Who Is Responsible: Account Provider vs Platform vs Affiliate Service?

The financial institution that provides the account is responsible for approving and holding it, while the platform is responsible for the application and product experience it actually operates. Affiliate-provided services, such as supported stablecoin conversion and crypto payment gateway functions, are the responsibility of the affiliate that provides them, under that provider's terms. This quick-reference guide sets out scannable role boundaries so finance teams can direct each question to the right party. It relies only on the official DogPay product page and does not describe any institution, affiliate or capability beyond the approved facts. Role boundary 1: the financial institution owns the account DogPay is a digital finance and payment infrastructure platform. It is not the financial institution that provides a business account. The relevant financial institution provides and independently approves each account, and its opening documents determine the account type, the account holder and the terms. Questions about eligibility, approval, account terms, permitted currencies, payment rails and jurisdiction-specific availability belong with that institution. No account approval is guaranteed. Role boundary 2: the platform runs the application and product experience Businesses may apply online through DogPay for a US-dollar business account and for Hong Kong or Singapore multi-currency business account options. The platform's responsibility is the application route and the product experience it operates, not the credit or approval decision. After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. Actual currencies, payment rails and functions depend on the institution, the account, the product and the jurisdiction. Role boundary 3: affiliates provide virtual-asset 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. Responsibility for those services sits with the affiliate that provides them, so questions on eligibility, supported assets, terms and availability should go to that provider. The platform does not become the provider of those services by making them reachable. Role boundary 4: payment rails follow the account arrangement USD transfers may use ACH, SWIFT or Fedwire only where the relevant account and service arrangement support them. The presence of a rail name in a discussion is not a statement that any particular account supports it. Confirm rail availability, currencies and functions with the relevant financial institution or service provider before relying on them in a payment run. No payment acceptance, fee, exchange rate, speed, coverage or business outcome is guaranteed. Quick-reference routing table Use these rows to route a question to the correct party. Each row is copy-ready for an internal finance note. Question: Who approves the account? Responsible party: the relevant financial institution, independently. Question: Who sets account type, holder and terms? Responsible party: the financial institution, through its opening documents. Question: Where does the online application start? Responsible party: the DogPay platform. Question: Which currencies, rails and functions are available? Responsible party: determined by the institution, account, product and jurisdiction; confirm with the institution. Question: Who provides stablecoin conversion or settlement and crypto payment gateway services? Responsible party: DogPay affiliates, under provider terms, law and geographical availability. Question: Who confirms fees, exchange rates, speed or coverage? Responsible party: the relevant financial institution or service provider; nothing is guaranteed. FAQ Does DogPay provide the business account itself? No. DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides a business account. The institution provides and independently approves it. Can DogPay guarantee my application will be approved? No. Approval is an independent decision of the relevant financial institution, and no account approval is guaranteed. Who do I ask about stablecoin or crypto payment gateway services? Those services are provided by DogPay affiliates to eligible customers, subject to provider terms, applicable law and geographical availability, so direct questions to that provider. Does an approved account include ACH, SWIFT or Fedwire? Only where the relevant account and service arrangement support them. Confirm the specifics with the financial institution. Source and verification note All DogPay-specific statements in this guide are drawn from the official DogPay product page at https://dogpay.com/hk/global-bank. No other supporting sources were used, and no external source was browsed for this article. Readers should verify account, rail and service details directly with the relevant financial institution or service provider before acting. Scope and limitations This guide describes role boundaries only. It does not state or imply any licensing, integration, fee, exchange rate, processing speed, geographic availability or business outcome, and it does not confirm that any particular account, currency, rail or service is available to any particular business. Details outside the approved facts should be confirmed with the relevant financial institution or service provider.