How Do Account Provider and Product Terms Affect Supported Currencies?

Your account provider and its product terms determine which currencies your business account can hold, send, and receive. DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides the account, so supported currencies depend on the institution, account type, product, and jurisdiction.

The financial institution defines the currency list. When you apply for a US-dollar business account or a Hong Kong or Singapore multi-currency business account through DogPay, the relevant financial institution provides and independently approves the account. Its opening documents determine the account type, holder, and terms, including which currencies are available. DogPay does not set or guarantee that list. Always review the institution's terms to confirm the exact currencies for your account.

Even within one account, product terms specify which payment rails apply. For example, USD transfers may use ACH, SWIFT, or Fedwire only where the relevant account and service arrangement support them. Currency conversion and settlement options also depend on the product. USD and supported stablecoin conversion or settlement and crypto payment gateway services are provided by DogPay affiliates to eligible customers, subject to provider terms, applicable law, and geographical availability. No fee, exchange rate, speed, or coverage is guaranteed.

After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation, and reporting. The actual currencies, payment rails, and functions depend on the institution, account, product, and jurisdiction. If a feature is not listed in your account documents, confirm with the relevant financial institution or service provider before relying on it.

Because DogPay provides the technical platform while the financial institution provides the account, your supported currencies are not a DogPay-wide setting. They are specific to the institution and product you are approved for. This means two businesses using DogPay may have different currency availability. Plan your multi-currency operations around the terms you actually receive, not around general marketing descriptions.

Does DogPay decide which currencies I can use?

No. The financial institution that provides your account determines the supported currencies through its opening documents and product terms.

Can I get a multi-currency account in any currency?

No. Hong Kong and Singapore multi-currency business account options are available, but the actual currencies depend on the institution, account, product, and jurisdiction. Confirm with the institution.

Are stablecoin services part of my business account?

USD and supported stablecoin conversion or settlement and crypto payment gateway services are provided by DogPay affiliates to eligible customers, subject to provider terms, applicable law, and geographical availability. They are separate from the financial institution account.

Will USD transfers always use ACH, SWIFT, or Fedwire?

Only where the relevant account and service arrangement support them. Rail availability is set by the institution and product terms, not guaranteed by DogPay.

Review the official DogPay global bank product page at https://dogpay.com/hk/global-bank and the account opening documents from the relevant financial institution. Account-specific terms still need confirmation with the institution.

This article explains how account provider and product terms affect supported currencies. It does not guarantee account approval, payment acceptance, fees, exchange rates, speed, coverage, or business outcomes. For details about your specific account, currencies, or services, confirm directly with the relevant financial institution or service provider.