Open a USD account in your name from 90+ countries and start receiving ACH and wire payments from US clients, payroll, and platforms in minutes. No US residency required.
ACH and WIRE support
Supported in 90+ countries
Faster settlement
Open in under 5 minutes
KOSH helps you get a USD account in your name and accept ACH and wire payments from US clients and platforms you already use, from anywhere with no US residency required.
Connect your USD account with the platforms you already use to receive payments from clients without changing your existing workflow or setup.
Supports major freelancing platforms
Passes Upwork, Deel, and Fiverr micro-deposit checks
Receive USD payments directly
Receive US payments with ACH and Wire
Get a USD account in your name, not a pooled wallet, so payments arrive labelled to you and clear KYC checks on Upwork, Deel, and Stripe.
Get your own named USD account
Receive payments directly in your name
No shared or pooled accounts
Open and use your USD account from anywhere in the world without needing a US address or residency.
Open without a US address
Available for individuals and businesses
Start receiving USD from anywhere
Manage incoming payments, track transactions in real time, generate invoices, and control your global finances from one place.
Track every incoming payment in real time, with clear status updates from initiation to completion.
Stay updated in real time with alerts for every incoming and outgoing transaction.
Convert between currencies at 1.5% per transaction. No hidden markup, no minimum fees, no surprises.
Create and send professional invoices to clients and get paid directly into your account.
Export monthly statements for accounting, taxes, and audits, formatted for your records and ready to share.
However you earn, KOSH fits into your workflow and helps you get paid from the US without friction.
Receive, hold, and pay out in USD, EUR, GBP, and AED, with SWIFT support for any currency. All managed in one app, so you can operate like a global business without setting up banks in every country.
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A US bank account in my name made everything easier. Payments came in faster, fees dropped, and the stress around getting paid disappeared.
Hafiizhun
Motion Designer
I work on Upwork, but most payment platforms barely work in Indonesia. With KOSH, I get paid in USD, hold it, and convert only when I want to.
Didin Ahmadi
Freelancer from Indonesia
Along with your USD account, unlock savings, a global Visa card, investing, and cross-border payments, all in one app.
Spend USD anywhere Visa works. Physical and virtual cards funded by your KOSH balance.
Earn 4 to 6% yield on your idle cash balance, far more than your traditional bank pays.
Grab the opportunity to invest in crypto and stocks from your KOSH balance.
Send money across borders and cash out USDC straight to any bank account.
Along with your USD account, unlock savings, a global Visa card, investing, and cross-border payments, all in one app.
Spend USD anywhere Visa works. Physical and virtual cards funded by your KOSH balance.
Earn 4 to 6% yield on your idle cash balance, far more than your traditional bank pays.
Grab the opportunity to invest in crypto and stocks from your KOSH balance.
Send money across borders and cash out USDC straight to any bank account.
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.
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.
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.
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.
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.
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.
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