Expense Automation
KOSH automatically tags spend, spots unusual activity, and prepares reports that sync with your accounting tools. No more chasing receipts.
The global financial account
for freelancersentrepreneurscreatorsnomads
USD accounts, a global Visa card, and instant bank transfers.
All powered by stablecoins.
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Designed for how money moves today.
One app to receive, spend, save, and send. Anywhere in the world.
Wallet
See your total balance, track activity, and take action. All from one screen.
USD Accounts
Receive USD via ACH or Wire. Share your account details and track every deposit.
Card
Pay for subscriptions, cloud services, and everyday purchases. Funded by your stablecoin balance.
Rewards
Earn cashback and reward points on every transaction. Redeem or reinvest automatically.
Get paid globally
with your own
USD account
You'll receive virtual USD, EUR, GBP, AED, and SWIFT accounts. Ready for international payments from any platform.
- Named account
- SWIFT account support
- Micro-transaction support
- Get paid from any platform
Manage every expense
from a single app
Pay all your bills with a stablecoin-backed Visa card. No need to move money to a separate bank account.
5%
Cashback on Hotel Booking
10%
Reward Points on each spend
Get virtual or physical card
AI powered expense analysis
Assign cards to your family members
Supports Apple Pay and Google Pay
Pay all your bills with one app and earn rewards
All your money.
Perfectly synced.
Track all your balances and activity in real time, so your finances stay predictable and always within reach.
- Receive payments with Stablecoin or Fiat
- Withdraw funds to your own bank account
- Send money by email, just like PayPal
- Send fiat or stablecoin globally
USDC
USDT
India
Indonesia
ThailandUSDCUSDTIndiaIndonesiaThailandEverything your bank can't do
Automation, invoicing, smart savings, and real-time controls. All in one app built for how you actually work.
Invoicing & Payment Links
Generate and send one-time or recurring invoices, track payment status, and sync automatically with your accounting workflows.
1:1 Support
Get direct access to our team through a private 1:1 Telegram or Slack channel. Fast, personal, and always on.
Regulated Partners
We work with regulated partners and chartered accountants worldwide to help your business stay compliant.
Smart Savings
Set savings goals, automate deposits, and earn competitive yields on idle balances. All from one dashboard.
Investing
Access curated investment products, from fixed-income instruments to digital assets, directly through your KOSH account.
Frequently asked questions
Can a non-US resident open a USD account with KOSH?
Yes. KOSH lets non-US residents in 90+ countries open a USD account in their own name in under 5 minutes. You don't need a US bank, a US address, or US residency. The account accepts ACH and wire payments from US clients, payroll providers, and platforms like Upwork, Deel, and Stripe.
What is KOSH?
KOSH is a stablecoin-powered financial platform that gives you a USD account, a global Visa card, and instant cross-border payouts, all from one app. Built for freelancers, remote workers, and businesses who earn and spend globally.
Which currencies and assets do you support?
You can hold USDC and USDT, and receive payments in USD, EUR, and AED via SWIFT and ACH. Off-ramps are available to local bank accounts in 90+ countries, including India, Indonesia, Thailand, UAE, and the EU.
Can I use KOSH to pay employees and vendors?
Yes. You can send payroll and vendor payouts in stablecoins or fiat to 90+ countries. Set up recurring payments, multi-level approvals, and track every transaction from a single dashboard.
Do you support off-ramps?
Yes. You can convert USDC or USDT to local currency and withdraw directly to your bank account. Off-ramps are currently available in 90+ countries with same-day settlement in most regions.
Is KOSH regulated and secure?
Yes. KOSH works with licensed and regulated banking partners. All accounts require KYC verification, and every transaction is monitored for compliance. Your funds are held with regulated custodians with full audit trails.
Still have questions? Visit our Help Center
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