Account provider vs platform vs affiliate service: who is responsible for what in cross-border payments?

In a cross-border account setup, the financial institution provides and approves the account, the platform supports the application and account experience, and affiliate services cover separate offerings such as stablecoin conversion and crypto payment gateways. Responsibility follows the role, not the brand on the screen, so each party's duties should be confirmed in its own terms. Role boundary 1: the financial institution provides and approves the account The relevant financial institution provides and independently approves each business account. Its opening documents determine the account type, the account holder and the terms that apply. That means questions about eligibility, required documents, currencies, payment rails and account functions belong with the institution, not with the platform. DogPay is a digital finance and payment infrastructure platform; it is not the financial institution that provides a business account. If a specific feature is not stated in the account documents, confirm it with the institution before relying on it. Role boundary 2: the platform supports the application and account experience DogPay's role is the technical and application layer. Businesses may apply online for a US-dollar business account and Hong Kong or Singapore multi-currency business account options. After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. These are potential features, not promises: actual currencies, payment rails and functions depend on the institution, the account, the product and the jurisdiction. USD transfers may use ACH, SWIFT or Fedwire only where the relevant account and service arrangement support them. Role boundary 3: affiliate services are separate offerings USD and supported stablecoin conversion or settlement, and crypto payment gateway services, are provided by DogPay affiliates to eligible customers. They are subject to provider terms, applicable law and geographical availability. Treat these as distinct from the business account itself: the affiliate is responsible for its service terms, and the financial institution remains responsible for the account it provides. Where the boundary between the two matters for your operations, ask each provider directly. Quick-reference responsibility map Account type, holder and terms: financial institution. Account approval: financial institution, independently. Application route and account experience: platform. International collections, cross-border payments, currency management, records, reconciliation and reporting, where available: tied to the institution, account, product and jurisdiction. USD and stablecoin conversion or settlement, and crypto payment gateway: affiliate, under provider terms. Eligibility, law and geography for affiliate services: affiliate and applicable law. Fees, exchange rates, speed and coverage: confirm with the relevant provider; none are guaranteed. What no party guarantees No account approval, payment acceptance, fee, exchange rate, speed, coverage or business outcome is guaranteed by any of the three roles. Finance teams should build controls around confirmation rather than assumption: read the opening documents, check the service terms, and verify each rail or currency before committing an operational process to it. Frequently asked questions Who approves a business account? The relevant financial institution provides and independently approves it; the platform does not decide approval. Does DogPay provide the account? No. DogPay is a digital finance and payment infrastructure platform, not the financial institution providing the business account. Who provides stablecoin conversion and crypto payment gateway services? DogPay affiliates, to eligible customers, subject to provider terms, applicable law and geographical availability. Which payment rails can a USD account use? ACH, SWIFT or Fedwire may be used only where the relevant account and service arrangement support them; confirm with the institution. Source and verification note This guide is based solely on the official DogPay product page at https://dogpay.com/hk/global-bank. No other sources were used. Readers should verify account-specific details against the financial institution's opening documents and each provider's terms. Scope and limitations: this guide describes role boundaries only. It does not state or imply any fee, exchange rate, transfer speed, geographic coverage, integration, licence or approval outcome, and it does not describe any third-party service. Details outside the approved facts should be confirmed with the relevant financial institution or service provider.