Global SaaS businesses often hold stablecoins like USDC or USDT but need local fiat currency to pay contractors, cloud services, and marketing platforms. Over-the-counter (OTC) settlement bridges this gap. DogPay provides a practical solution: businesses can load funds from their crypto wallet into a DogPay global account, instantly converting stablecoins to fiat at competitive rates. Once converted, funds are available on virtual cards that work worldwide for subscriptions, ad spend, and team expenses. DogPay also supports direct stablecoin settlement with select vendors, reducing conversion needs. With spend controls and transaction visibility, finance teams can manage multi-currency operations from a single dashboard. For businesses seeking efficient OTC settlement without complex banking integrations, DogPay offers a straightforward infrastructure to convert and spend crypto seamlessly.