Wallet-as-a-service (WaaS) allows businesses to integrate digital wallet functionality without building from scratch. DogPay supports this model by providing API-driven wallet infrastructure, stablecoin settlement, and global account capabilities. Companies can receive payments in USDC or USDT, hold balances in multi-currency wallets, and convert stablecoins to fiat via over-the-counter (OTC) settlement. Fiat funds can then be used to issue corporate virtual cards for expenses like cloud services, ad spend, or team costs. DogPay's platform offers spend visibility tools and compliance features to manage payment operations. While DogPay does not guarantee transaction success or merchant acceptance, it provides a flexible framework for businesses to streamline their payment workflows. By using DogPay's WaaS, firms can focus on their core product while relying on a dedicated infrastructure for crypto-to-fiat conversion and card issuance.