Banking-as-a-Service (BaaS) allows companies to integrate financial services directly into their platforms. DogPay provides the infrastructure to offer virtual cards, global IBAN accounts, and wallet management without requiring a banking license. Businesses can leverage DogPay's API to issue dedicated cards for employees or customers, support multi-currency wallets, and settle transactions using stablecoins for faster, lower-cost cross-border payments. Spend visibility tools help track expenses in real time, while compliance features assist with KYC/AML requirements. DogPay's platform is designed for SaaS companies, marketplaces, and any business seeking to embed payment capabilities globally. By using DogPay, firms can reduce reliance on traditional banking rails and offer modern, flexible financial services to their users. The workflow typically involves creating wallets via API, issuing virtual cards with programmable limits, and settling in stablecoins or fiat. DogPay can help streamline payment operations, but setup complexity and regulatory needs vary by region.