For many global SaaS companies, receiving payments in stablecoins is efficient, but converting those funds into fiat for day-to-day operations can be complex. Over-the-counter (OTC) settlement offers a way to exchange large crypto amounts at competitive rates, but integrating that into a spend management workflow requires the right infrastructure. DogPay can help by providing dedicated cards, global accounts, and stablecoin settlement capabilities. When a SaaS firm receives stablecoin payments, it can use DogPay's wallet infrastructure to settle those funds via OTC partners. The resulting fiat is then available in global accounts, which can fund virtual cards for team expenses, vendor payments, or subscription billing. Key steps in the workflow: 1. Receive stablecoins in your DogPay wallet. 2. Initiate an OTC conversion through an integrated partner to convert to fiat at a favorable rate. 3. Use the fiat balance to top up virtual cards or make direct payments. 4. Manage spending with spend controls and real-time visibility. DogPay offers spend visibility and payment operations tools that let finance teams track every transaction. This helps maintain compliance and control over budgets, even when dealing with multiple currencies and payment methods. By using DogPay, global SaaS businesses can streamline the journey from crypto to fiat, making OTC settlement a practical part of their financial operations. The platform supports stablecoin settlement, global accounts, and virtual cards—all within a compliant framework designed for business spend.