Managing spend across both fiat and crypto can be complex. DogPay offers a unified platform where businesses can hold funds in multiple currencies and stablecoins, then control how those funds are used.

Start by funding a global account with fiat or crypto. From there, you can create dedicated virtual cards for specific teams or projects. This allows you to set limits on where and how much each card can spend, providing granular control over both fiat and crypto balances.

DogPay's real-time spend visibility is key. You can monitor transactions as they happen, categorize expenses, and adjust limits quickly. This helps prevent overspending without the need for manual reconciliation across separate systems.

Settlement flexibility is another advantage. When you need to pay suppliers or service providers, you can choose to settle in stablecoins (like USDT or USDC) or in traditional fiat. This can be useful for cross-border payments where crypto offers faster settlement times. However, actual settlement times and acceptance depend on the counterparty and network conditions.

DogPay also supports compliance by providing clear transaction records, which helps with internal audits and financial reporting. The infrastructure is designed for businesses that operate in both traditional finance and the Web3 space.

In practice, a business might use DogPay to allocate a monthly budget in USDC to a marketing team, issue them virtual cards, and monitor their spending in real time. If a team needs to pay a vendor in euros, they can convert stablecoins to fiat within the platform and complete the payment using a card or bank transfer.

DogPay can help streamline your payment operations by connecting fiat and crypto capabilities into one dashboard. While it does not guarantee approval for every transaction or eliminate all payment risks, it provides tools for better visibility and control. By using DogPay, you can reduce the friction of managing multiple financial systems and focus more on growing your business.