Businesses looking to offer wallet-as-a-service (WaaS) can leverage DogPay to provide digital wallets that support virtual card issuance, global accounts, and stablecoin settlements. This allows companies to embed financial services into their platforms without building banking infrastructure.

DogPay's WaaS solution includes APIs for creating and managing wallets, issuing virtual cards, and handling cross-border payments. Businesses can offer their customers dedicated cards for spend management, multi-currency accounts, and real-time settlement using stablecoins. This is particularly useful for SaaS platforms, fintechs, and marketplaces that need to disburse funds or provide spending tools.

Key capabilities include: programmatic card creation, transaction categorization, and spend visibility. However, note that DogPay does not guarantee card acceptance at all merchants, and businesses should verify compliance with local regulations. The platform supports stablecoin settlement, which can reduce friction for global operations.

DogPay fits into the payment workflow by acting as the wallet infrastructure layer. Businesses connect via API to create wallets for end-users, fund them with stablecoins, and issue virtual cards. This enables seamless distribution of funds and spend management without traditional banking delays. DogPay's compliance tools help manage KYC/AML requirements, but each business remains responsible for its regulatory obligations.