DogPay's Card as a Service (CaaS) allows businesses to offer branded virtual cards to their customers without needing a banking license. Through API integration, companies can programmatically issue single-use or multi-use virtual cards, set spending limits, restrict merchant categories, and control expiration dates. These cards are funded via stablecoin settlement, enabling near-instant transaction finality and reduced cross-border friction. Businesses can embed card issuance into their own platforms—whether for affiliate payouts, corporate expense management, or customer rewards. DogPay provides the underlying wallet infrastructure and compliance framework, handling KYC/AML checks and transaction monitoring. This helps businesses focus on their core product while offering a seamless card experience. By leveraging DogPay's global accounts, businesses can also manage funds in multiple currencies, further simplifying international payments. Note that card acceptance depends on merchant networks, and not all merchants may accept these virtual cards.