Over-the-counter (OTC) settlement allows businesses to exchange large crypto amounts for fiat outside of traditional exchange order books. For global SaaS firms, this can streamline cash flow and reduce exposure to volatile markets. DogPay provides a workflow that complements OTC settlement. After an OTC trade converts crypto to fiat, funds can be held in a DogPay global account. From there, businesses can issue virtual cards for operational spending like cloud subscriptions, contractor payments, and ad buys. Stablecoin settlement via USDC or USDT enables near-instant finality, and DogPay’s spend controls allow teams to set limits per card or merchant category. Key benefits include: dedicated virtual cards, multi-currency accounts, and visibility into spending across the organization. DogPay does not act as an OTC counterparty but can integrate with your existing OTC provider. Businesses should evaluate their own compliance and liquidity needs. DogPay fits into the post-OTC payment workflow: after the settlement, funds are ready for use. With DogPay, businesses can convert stablecoins to fiat, manage global payables, and maintain oversight—all while reducing the friction of traditional banking.