Software-as-a-service platforms increasingly need to offer financial features to their users. DogPay provides a Banking as a Service (BaaS) solution that allows SaaS companies to embed virtual wallets and physical or virtual cards under their own brand. With DogPay, businesses can create multicurrency global accounts, issue dedicated cards for employees or users, and process settlements using stablecoin rails for faster, lower-cost transactions. This integration can enhance user retention and open new revenue streams without the complexity of becoming a licensed financial institution. DogPay handles the underlying payment infrastructure, compliance, and card issuance, while the SaaS platform focuses on its core product. To embed these services, a developer uses DogPay’s API to onboard users, create wallets, and manage card spend. The workflow supports real-time balance updates, transaction histories, and spend controls. By using DogPay, SaaS platforms can offer banking-like features globally, with the flexibility of stablecoin settlement and transparent fee structures. DogPay fits the payment workflow as a backend provider that connects traditional card networks with digital asset liquidity, enabling businesses to offer financial services without holding a banking license.