Announcing KOSH: USD account built for freelancers and creators in Asia
Receive USD/EUR payments from clients worldwide and spend globally with a credit card.
For years, freelancers and creators in Asia have faced the same problem. Receiving payments from global clients has been slow, expensive, and full of friction. 87% of creators in Asia have been paid late, and many say that dealing with international payments has become one of the most stressful parts of their work.
Until recently, it was very difficult for freelancers in Asia to receive and hold USD without high fees, long delays, or complex banking setups. Most traditional payment platforms were not built to serve emerging markets at scale.
Today, this has changed because of digital dollar technology built on blockchain and stablecoins. This technology now allows people to receive, hold, and move dollars globally in a much simpler and more reliable way — even if they don't want to use stablecoins or blockchain directly.
This is why we built KOSH.
What is KOSH?
KOSH is a USD financial account designed specifically for freelancers and creators in Asia. With KOSH, you can:
- Receive payments in USD from clients and platforms like Upwork
- Hold your money in USD-denominated digital dollars
- Spend globally using a credit card
- Earn yield on your balance
Built for how freelancers and creators in Asia actually work
Whether you're running a Shopify store, selling on TikTok Shop or Amazon, receiving payouts from Meta, or getting paid on Upwork and other platforms, KOSH is designed to make receiving USD simpler and faster.
Instead of dealing with high fees, long delays, or platform restrictions, you can now receive payments directly into your KOSH USD account and spend them globally using a credit card — all in one place.
How KOSH Works
- Sign up and complete verification (usually within minutes)
- Share your KOSH USD account details with clients or connect it to Upwork
- Receive payments directly in USD
- Hold your funds in digital dollars or spend using your KOSH card
Comparison
| Feature | KOSH | Wise | Payoneer |
|---|---|---|---|
| Receive USD in Asia | Yes | Restricted in many countries | Available but limited |
| Hold USD balance | Yes (via digital dollars) | Limited | Yes |
| Global credit card | Yes | Limited availability | Yes |
| Fees to receive USD | 0.5% | up to 1% in FX | up to 2% on FX |
| Built for Asian freelancers | Yes | General use | General use |
What Early Users Are Saying
"My earnings arrive much quicker. Other platforms take 2 to 3 days. Kosh takes about 1 day."
Didin Ahmadi · PHP Laravel Fullstack Developer
"It seamlessly bridges global earnings with everyday spending. Receiving from Upwork directly into a virtual USD account is incredibly practical."
I Kadek Sukarsa · Freelancer & Creator
"A reliable US/ACH receiving account to withdraw earnings from platforms like Upwork."
Arif Ishtiaque · Founder, ARIF ISHTIAQUE LLC
KOSH is now live.
If you're a freelancer or creator in Asia getting paid from clients around the world, this is for you.
FAQs
How can I receive international payments as a freelancer in Asia?
KOSH provides a USD account that can be used to receive payments from clients and platforms like Upwork.
Can I hold USD with KOSH?
Yes, you can hold funds in USD-denominated digital dollars.
Do I need a US company to open a KOSH account?
No. KOSH is built so that freelancers in Asia can open an account without requiring a US entity.
Does KOSH offer a credit card?
Yes, KOSH provides a credit card for global spending. You can use it to pay for tools like ChatGPT, Claude, Midjourney, Google Ads, Meta Ads, cloud services, subscriptions, and anywhere Visa is accepted.
Can Shopify sellers use KOSH to receive international payments?
Yes, Shopify store owners in Asia can use KOSH to receive payments from international customers.
Can I receive Meta (Instagram/Facebook) creator payouts using KOSH?
Yes, creators can receive Meta payouts into their KOSH USD account.
Can TikTok Shop sellers receive payouts using KOSH?
Yes, KOSH supports receiving international payouts for TikTok Shop sellers across Asia.
Can Amazon sellers in Asia use KOSH?
Yes, Amazon sellers running stores from Asia can receive international payments using KOSH.
Is KOSH suitable for remote workers receiving payments from Upwork or Toptal?
Yes, remote workers and freelancers can receive payments from platforms like Upwork, Toptal, and others directly into KOSH.
How fast can I receive money on KOSH?
Most payments are received within 1–2 business days, depending on the source.
Are there any fees on KOSH?
KOSH offers competitive and transparent fees. You can check the latest pricing in our app.
More Helpful Guides Coming Soon
We're creating more practical guides to help freelancers and e-commerce businesses in Asia receive international payments. Here are some of the topics we'll cover soon:
- How to receive Meta creator payouts in Asia
- Best USD account for Shopify sellers in Asia
- How TikTok Shop sellers can receive international payouts
- How Amazon FBA sellers in Asia can receive payments from Amazon
- How remote workers can receive payments from Upwork, Toptal, and Fiverr
References
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Asia Pacific contributed 46.30% to the global cross-border payments market in 2025, with a valuation of USD 172.12 billion. Fortune Business Insights – Cross Border Payment Market Report
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Up to 87% of creators have been paid late or faced payment issues. Campaign – Creator Pay Report (2025)