Who is responsible for what: account provider vs platform vs affiliate service?

Responsibility splits by role: the financial institution provides and independently approves the business account and sets its terms, while the platform is the technical and application layer you interact with. Affiliate-provided virtual-asset services, such as supported stablecoin conversion or settlement and crypto payment gateway services, sit with those affiliates under their own provider terms. This quick-reference guide maps who owns what so finance teams can route questions to the right party. It uses only approved DogPay product information; anything outside that should be confirmed with the relevant financial institution or service provider. Role boundary 1: the financial institution owns the account The relevant financial institution provides and independently approves each account. Its opening documents determine the account type, the account holder and the terms. That means approval decisions, account terms and the governing documents belong to the institution, not the platform. DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides a business account. If a question concerns whether an account will be opened, what the account documents say, or what the holder arrangement is, the institution is the responsible party. Role boundary 2: the platform is the technical and application layer Businesses may apply online through the platform for a US-dollar business account and Hong Kong or Singapore multi-currency business account options. The platform is where the application journey and product experience sit. After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. These are described as potentially available, not guaranteed: actual currencies, payment rails and functions depend on the institution, the account, the product and the jurisdiction. Role boundary 3: affiliates own 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. Eligibility, availability and terms for those services therefore sit with the affiliate provider. A question about stablecoin conversion or gateway use should be directed to the affiliate service terms rather than assumed from the account relationship. Quick-reference responsibility map Use these rows to route each question to the right party: Account approval and account documents: financial institution. Account type, holder and terms: financial institution, as set out in opening documents. Online application journey and platform experience: the platform. Available features after approval, such as collections, cross-border payments, currency management, records, reconciliation and reporting: dependent on institution, account, product and jurisdiction. USD transfer rails such as ACH, SWIFT or Fedwire: only where the relevant account and service arrangement support them. Stablecoin conversion or settlement and crypto payment gateway services: DogPay affiliates, under provider terms, applicable law and geographical availability. Fees, exchange rates, speed, coverage or outcomes: confirm with the relevant financial institution or service provider; none are guaranteed. What this means for finance teams Start by separating account-level questions from service-level questions. Account-level items follow the institution's documents. Virtual-asset items follow affiliate provider terms. Platform items concern the application and product experience. Do not treat a platform description as an approval, a fee quote, a speed commitment or a coverage promise. No account approval, payment acceptance, fee, exchange rate, speed, coverage or business outcome is guaranteed. FAQ Does the platform approve my account? No. The relevant financial institution provides and independently approves each account; its opening documents determine account type, holder and terms. Who provides stablecoin conversion or crypto payment gateway services? DogPay affiliates provide USD and supported stablecoin conversion or settlement and crypto payment gateway services to eligible customers, subject to provider terms, applicable law and geographical availability. Are ACH, SWIFT or Fedwire always available? No. USD transfers may use these rails only where the relevant account and service arrangement support them. Are fees, speeds or coverage fixed? No. Actual currencies, payment rails and functions depend on the institution, account, product and jurisdiction, and no fee, exchange rate, speed or coverage is guaranteed. Source and verification note This guide is based on the official DogPay product page at https://dogpay.com/hk/global-bank. No other supporting sources were used, and no external browsing is implied. Readers should verify account-specific and service-specific details directly with the relevant financial institution or service provider. Scope and limitations This is a role-boundary reference, not legal, tax or financial advice. It does not describe specific integrations, guarantees, fees, speeds, licensing or geographic availability, because those depend on the institution, the account, the product, the jurisdiction and affiliate provider terms. Confirm any detail outside the approved facts with the responsible party before relying on it.