KOSH Money

KOSH Money is a stablecoin-powered financial platform that provides a global financial account for freelancers, entrepreneurs, creators, and digital nomads. Its core value lies in offering USD accounts, a global card, and instant bank transfers, all powered by stablecoins, enabling users to receive, spend, save, and send money seamlessly across borders. The product eliminates the need for traditional banking infrastructure and is designed for the modern, borderless workforce who require a flexible and fast financial solution that works anywhere in the world.

Freelancers and remote workers often face significant hurdles when receiving international payments, such as high currency conversion fees, slow bank transfers, and the requirement of a US bank account to receive USD. KOSH Money solves this by allowing non-US residents in 90+ countries to open a USD account in their own name within minutes, accepting ACH and wire payments. This means creators in Asia and entrepreneurs in the Middle East can get paid like a US company without intermediaries, removing friction and reducing costs associated with cross-border transactions.

The USD Virtual Accounts feature allows users to receive payments via ACH or Wire with their own named accounts in USD, EUR, GBP, and AED. Users can share their account details with platforms like Upwork, Fiverr, Deel, and Toptal to track every deposit in real time. Micro-transaction support ensures even small payments are processed without issue. This eliminates the need for separate multi-currency accounts and provides a unified view of incoming funds, making it easy to manage diverse income streams from one dashboard.

The KOSH Card is a stablecoin-collateralized virtual or physical card that can be used for subscriptions, cloud services, and everyday purchases. It supports Apple Pay and Google Pay for contactless spending. Users can assign cards to family members, set spending limits, and rely on AI-powered expense analysis that automatically tags transactions and detects unusual activity. The card also earns rewards: 5% cashback on hotel bookings and 10% reward points on each spend, which can be reinvested or redeemed, adding value to every transaction.

Beyond the core accounts and card, KOSH includes Expense Automation that syncs with accounting tools, Invoicing & Payment Links for recurring billing, and Smart Savings that let users set goals and earn yields on idle balances. The Investing feature provides access to curated products like fixed-income instruments and digital assets. Users also benefit from 1:1 Support through Telegram or Slack, and the platform works with regulated partners to ensure compliance and security, giving peace of mind to both individuals and businesses.