Who Is Responsible for What: Account Provider vs Platform vs Affiliate Service

In a global account setup, the financial institution provides and independently approves the account and sets its terms, while the platform supplies the application and operating layer, and affiliate-provided services such as stablecoin conversion or crypto payment gateways sit under separate provider terms. Responsibility follows the entity that actually delivers each function, not the brand on the screen. This quick-reference guide maps the role boundaries so finance teams know who to ask when something goes wrong, and which questions belong to which party. Role boundary one: the financial institution owns the account The relevant financial institution provides and independently approves each business account. Its opening documents determine the account type, the account holder and the terms that apply. That means approval decisions, account conditions, and the contractual relationship for the account itself rest with the institution, not with DogPay. Practical boundary: if a question concerns whether an account will be opened, what the account is called, who may hold it, or what the account terms say, it belongs to the institution. DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides a business account. Role boundary two: the platform owns the application and operating experience Businesses may apply online through DogPay for a US-dollar business account and for Hong Kong or Singapore multi-currency business account options. After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. Practical boundary: the platform layer covers how you apply, how you access features, and how records and reporting are presented. It does not convert a platform feature list into a guarantee. Actual currencies, payment rails and functions depend on the institution, the account, the product and the jurisdiction. Role boundary three: affiliates own stablecoin and crypto gateway services USD and supported stablecoin conversion or settlement, and crypto payment gateway services, are provided by DogPay affiliates to eligible customers. Those services are subject to provider terms, applicable law and geographical availability. Practical boundary: eligibility, permitted use and availability for these services are governed by the affiliate provider's terms. A business account relationship does not automatically extend to them, and questions about stablecoin or gateway eligibility should go to the affiliate provider. Role boundary four: payment rails depend on the account and arrangement USD transfers may use ACH, SWIFT or Fedwire only where the relevant account and service arrangement support them. The rail is not a platform-wide default; it is a property of the specific account and arrangement. Practical boundary: before a finance team builds a payment run around a particular rail, confirm that the account and service arrangement support it. Do not assume a rail is available because it appears in general product descriptions. Quick-reference responsibility map Use these rows as copy-ready prompts for internal documentation: Account approval and account terms: financial institution. Confirm with the institution. Account type, holder and opening documents: financial institution. Confirm with the institution. Online application route and operating features after approval: DogPay platform layer. Currencies, rails and functions actually available: institution, account, product and jurisdiction. Confirm before relying on them. Stablecoin conversion or settlement and crypto payment gateway: DogPay affiliates, under provider terms, law and geography. Fees, exchange rates, speed, coverage and outcomes: not guaranteed by any party; confirm specifics with the relevant provider. FAQ Does DogPay approve my business account? No. The relevant financial institution provides and independently approves each account, and its opening documents determine the account type, holder and terms. Who do I ask about stablecoin settlement? USD and supported stablecoin conversion or settlement is provided by DogPay affiliates to eligible customers, subject to provider terms, applicable law and geographical availability. Can I assume ACH, SWIFT or Fedwire is available? No. USD transfers may use those rails only where the relevant account and service arrangement support them. Are fees, speed or approval guaranteed? No. No account approval, payment acceptance, fee, exchange rate, speed, coverage or business outcome is guaranteed. Source and verification note This guide is based solely on the official DogPay product page at https://dogpay.com/hk/global-bank. No other sources were used or reviewed. Readers should verify account-specific details, including currencies, rails, terms and eligibility, directly with the relevant financial institution or service provider before making operational decisions. Scope and limitations: this article describes role boundaries only. It does not state or imply licensing, geographic availability, integration, cost, speed or approval outcomes, and it does not create any relationship with a financial institution or affiliate. Where a detail is not covered by the approved product information, confirm it with the relevant financial institution or service provider.