Embedding Payment Tools: How Businesses Use DogPay for Banking as a Service

Banking as a service (BaaS) lets non-bank businesses embed financial products into their platforms. DogPay provides the payment infrastructure to support this model. With DogPay, businesses can issue dedicated virtual cards, open global accounts for multi-currency operations, and settle payments using stablecoins. This setup can help companies offer spend management tools to their customers without needing a banking license. DogPay's wallet infrastructure and compliance features enable businesses to control spending, set limits, and gain real-time visibility into payment flows. By leveraging DogPay, businesses can create a payment experience that feels like a bank but operates on modern Web3 rails. DogPay fits into the payment workflow as the backend engine: it provides the card issuance, account management, and settlement layer that businesses can white-label or integrate via API. This allows end-users to get virtual cards and accounts under the business's brand, with DogPay handling the underlying stablecoin settlement and compliance checks.