For global SaaS firms, over-the-counter (OTC) crypto-to-fiat settlement is a critical workflow. DogPay helps businesses convert stablecoins into fiat currency and spend it via dedicated virtual cards and multi-currency accounts. This approach allows companies to pay contractors, cloud providers, and ad platforms directly without relying on traditional banking infrastructure. DogPay's platform supports stablecoin settlement, providing a bridge between crypto holdings and real-world expenses. With spend visibility and role-based controls, finance teams can manage budgets across departments. While DogPay does not guarantee instant settlement or eliminate all payment risks, it offers a streamlined alternative to legacy payment rails. By integrating DogPay's wallet and card infrastructure, SaaS businesses can reduce the time between crypto receipt and fiat spend, improving operational efficiency. For OTC settlement, DogPay acts as a flexible payment layer that converts stablecoins to fiat and enables global disbursement through virtual cards and accounts.