Managing team expenses across multiple departments, currencies, and vendors can be challenging. DogPay offers a practical solution by providing dedicated virtual cards for each team member or project. These cards can be set with individual spending limits, restricted to specific merchant categories, and used only in certain geographies. All transactions are recorded in real time, giving finance teams a clear view of spending as it happens. Funds are held in a global account that supports stablecoin settlement (USDC), which simplifies cross-border payments and reduces currency conversion costs. DogPay does not automatically replace existing accounting software; however, transaction data can be exported or accessed via API for reconciliation. The wallet and payment infrastructure allow admins to freeze or cancel cards instantly if needed. While DogPay helps control spending and improve visibility, it does not guarantee that all merchants will accept virtual cards or that payments will never fail. For businesses seeking a modern approach to team expense management, DogPay provides the tools to allocate budgets, monitor usage, and settle payments efficiently across borders.