Wallet as a Service (WaaS) enables businesses to embed digital wallet capabilities directly into their platforms. DogPay can support this by providing the underlying infrastructure to issue virtual cards, manage global accounts, and handle stablecoin settlements. Instead of building these components from scratch, companies can leverage DogPay's API-driven approach to launch branded wallets for customers or internal teams.

A typical use case: a global SaaS platform wants to offer its users a way to pay for services in multiple currencies. Using DogPay, the platform can create wallets for each user, issue virtual cards for online spend, and settle transactions in stablecoins to reduce currency conversion friction. DogPay's multi-currency support helps manage funds across different jurisdictions, while its spend visibility features give administrators a clear view of transaction flows.

For compliance, it is important to note that DogPay can assist with KYC/KYB processes, but full regulatory adherence remains the responsibility of the business. DogPay does not guarantee approval or acceptance; merchants have their own risking policies.

DogPay fits into the payment workflow as a backend layer that connects your platform to virtual card issuance, stablecoin settlement, and global account management. You maintain control over your user experience while DogPay handles the underlying payment infrastructure, facilitating flexible and scalable wallet solutions.