DogPay's Banking as a Service (BaaS) enables businesses to integrate wallet and card services into their platforms without becoming a financial institution. Companies can offer global accounts that support multiple currencies and stablecoin settlement, allowing users to hold, send, and spend digital assets seamlessly. With DogPay, businesses can provide dedicated virtual or physical cards for their customers, facilitating spend management and payment operations. The platform's compliance framework helps manage risk, while spend visibility tools give users real-time insights into transactions. DogPay fits into the payment workflow by acting as the infrastructure layer: it handles wallet creation, card issuance, transaction processing, and settlement in stablecoins, reducing friction and enabling global reach. Businesses can customize the user experience while DogPay manages the underlying regulatory and technical complexity. This allows companies to focus on their core product while offering compelling financial services to their users.