DogPayCard
In a DogPay-style setup, the financial institution provides and independently approves the business account, while DogPay operates the digital finance and payment infrastructure platform around it. Affiliate-provided virtual-asset services such as USD and supported stablecoin conversion or settlement and crypto payment gateway services sit with DogPay affiliates, not the institution. This guide maps who is responsible for what so finance teams can route questions to the right party.
Role boundary one: the financial institution owns the account The relevant financial institution provides and independently approves each account. Its opening documents determine the account type, the account holder and the terms. That means approval decisions, account terms and any institution-level requirements are the institution's responsibility, not the platform's. If a question concerns whether an account is opened, who the holder is, or what the account terms say, the institution is the source of truth.
Role boundary two: the platform provides the technical layer DogPay is a digital finance and payment infrastructure platform, not the financial institution that provides a business account. Businesses may apply online for a US-dollar business account and Hong Kong or Singapore multi-currency business account options. After approval, available account features may include international collections, cross-border payments, currency management, transaction records, reconciliation and reporting. Actual currencies, payment rails and functions depend on the institution, account, product and jurisdiction, so the platform does not itself promise these outcomes.
Role boundary three: affiliates provide virtual-asset services 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. These services are distinct from the account itself and from the institution's role. Eligibility, provider terms and availability for these services should be confirmed with the affiliate service provider.
Quick-reference responsibility map Use these rows to route each question to the correct party: Account approval and opening decision: financial institution. Account type, holder and terms: financial institution, per its opening documents. Online application entry point: platform. Post-approval features such as collections, payments, currency management, records, reconciliation and reporting: platform, as available for the specific account. Which currencies, rails and functions are actually available: financial institution, account, product and jurisdiction. USD transfers via ACH, SWIFT or Fedwire: only where the relevant account and service arrangement support them. Stablecoin conversion or settlement and crypto payment gateway services: DogPay affiliates, for eligible customers. Fees, exchange rates, speed, coverage or outcomes: confirm with the relevant financial institution or service provider; none are guaranteed.
How to use this map in practice Start with the account documents, because they define the account type, holder and terms. Then separate operational questions about using the platform from service questions about affiliate-provided virtual-asset functions. Where an answer depends on jurisdiction, product or account configuration, treat the platform's feature list as indicative rather than definitive and confirm specifics with the institution or provider. No account approval, payment acceptance, fee, exchange rate, speed, coverage or business outcome is guaranteed.
FAQ Does DogPay approve my business account? No. The relevant financial institution provides and independently approves each account; DogPay is the platform, not the institution. Who sets the account terms? The financial institution. Its opening documents determine account type, holder and terms. Who provides stablecoin conversion and crypto payment gateway services? DogPay affiliates, to eligible customers, subject to provider terms, applicable law and geographical availability. Can I assume ACH, SWIFT or Fedwire will be available? No. USD transfers may use these rails only where the relevant account and service arrangement support them.
Source and verification note This guide relies solely on the official DogPay product page at https://dogpay.com/hk/global-bank. No other sources were used or reviewed. Verify account-specific details against the financial institution's opening documents and confirm affiliate service terms with the relevant provider.
Scope and limitations: this is a general responsibility map, not legal, tax or financial advice. It does not describe any specific institution's terms, any specific affiliate's service terms, or availability in any jurisdiction. Currencies, rails, functions, eligibility and availability vary by institution, account, product and jurisdiction, and should be confirmed directly with the relevant financial institution or service provider before relying on them.
