Over-the-counter (OTC) settlement allows businesses to execute large crypto trades without impacting market prices. DogPay supports this by enabling companies to receive stablecoins from OTC desks and hold them in global accounts. From there, funds can be converted to fiat at competitive rates and used for everyday expenses via dedicated virtual cards. This approach reduces reliance on volatile crypto holdings and simplifies cross-border payments. DogPay's wallet infrastructure tracks transactions in real time, giving finance teams full visibility into spend. Compliance features help manage regulatory requirements, though approval depends on verification. By integrating stablecoin settlement with card issuance, DogPay offers a practical workflow for businesses seeking to bridge crypto and fiat operations without complex banking integrations.