Unified Finance: How DogPay Reimagines Your Personal Digital Banking

For digital nomads, cross-border developers, and Web3 enthusiasts, the financial world is often fragmented: fiat in traditional banks, crypto in wallets, and spending limited by cards prone to risk freezes.

DogPay was created to bridge this gap. Rather than patching old systems, we follow "First Principles" to re-engineer account opening, funding, transfers, and spending into one cohesive ecosystem.


1. The True "3-in-1" Financial Account

Instead of jumping between multiple apps, DogPay provides a unified platform integrating an IBAN bank account, multi-chain crypto wallet, and Visa/Mastercard payment card.

  • Personal U.S. Bank Accounts: Gain a dedicated U.S. account in your name with ACH, SWIFT, and Fedwire support—perfect for receiving international salaries or freelance payments.

  • Instant Stablecoin Liquidation: Convert USDT/USDC to USD instantly at real-time rates, eliminating the friction of traditional off-ramping.

2. Seamless Global Spending

From online subscriptions to offline travels, DogPay cards have you covered:

  • Virtual Cards: Instant Issuance. Perfect for global SaaS like ChatGPT Plus and Netflix, or ad spend on Facebook/Google Ads. Connect to Apple Pay or Google Pay for seamless contactless mobile payments.

  • Physical Cards: Worldwide Withdrawals. Withdraw local currency at Visa/Mastercard ATMs globally, making it the ideal companion for international business or leisure travel.

3. A "Merchant" Tool for Individuals

For freelancers and creators, DogPay’s Personal Merchant service changes the game. No business license required—simply generate payment links or QR codes to compliantly accept crypto payments from global clients, with automatic fiat settlement.


4. Compliance: The Engine of Security

In the crypto world, security is the foundation of freedom. DogPay holds MSB licenses in the U.S. and Canada, alongside TCSP and MLL licenses in Hong Kong. With bank-grade KYC/KYT risk monitoring, we ensure every transaction remains transparent and compliant.


DogPay is building a unified financial system. Whether it’s earnings from the digital world or expenses in the physical one, your money deserves a more elegant way to move.

Unified Finance: How DogPay Reimagines Your Personal Digital Banking