KOSH Money

Key Features

• •Wallet & USD Accounts: View your total balance, track all activity, and receive USD via ACH or Wire using virtual US, EUR, GBP, and AED accounts. Share account details and monitor deposits from one screen, making global income management effortless and centralized.
• •Global Card: Spend on subscriptions, cloud services, and everyday purchases with a stablecoin-collateralized virtual or physical card. Supports Apple Pay and Google Pay, with AI-powered expense analysis that tags spending and detects unusual activity for enhanced control.
• •Rewards Program: Earn 5% cashback on hotel bookings and 10% reward points on every eligible purchase. Points can be reinvested automatically or redeemed for discounts, providing tangible savings on routine expenses like subscriptions and travel.
• •Expense Automation: Automatically tags all spend from the KOSH card, spots unusual transactions in real time, and generates detailed reports that sync directly with popular accounting tools. Eliminates manual receipt chasing and streamlines financial tracking for businesses.
• •Invoicing & Payment Links: Generate professional one-time or recurring invoices, send them as payment links, and track payment status from the dashboard. Syncs automatically with accounting workflows to reduce administrative overhead and ensure timely payments.
• •Smart Savings: Set specific savings goals, automate regular deposits from your balance, and earn competitive yields on idle funds. All managed from the same dashboard as spending and receiving, making it easy to grow money without extra effort.
• •Investing: Access curated investment products including fixed-income instruments and digital assets, all available directly through the KOSH account. Users can diversify their portfolio without leaving the platform, benefiting from professional curation and seamless integration.

Use Cases

• •A freelancer on Upwork receives payments directly to their KOSH USD account, avoiding high transfer fees and delays. They then use the KOSH card to pay for monthly AWS and Netflix subscriptions, earning 10% reward points on each spend.
• •A digital nomad traveling in Thailand withdraws local currency from ATMs using the physical KOSH card, avoiding foreign exchange fees. They also earn 5% cashback on hotel bookings when staying at partner hotels, reducing travel costs.
• •A small business owner assigns virtual cards to employees for team expenses. The AI-powered expense analysis automatically categorizes spending, and reports sync with the company's accounting software, saving hours of manual work each month.
• •A creator earning from YouTube ad revenue converts USDC to fiat instantly and sends money to family via email, similar to PayPal but with lower costs and faster settlement, ensuring loved ones receive funds quickly.
• •An entrepreneur receives payments from international clients via Wire and ACH into their KOSH account, then uses the Investing feature to allocate idle funds into curated fixed-income products, earning yields while maintaining liquidity.

Who is this for?

KOSH is designed for freelancers, independent contractors, remote workers, digital nomads, creators, small business owners, and entrepreneurs who operate globally and need a unified financial solution. It is ideal for non-US residents seeking to open a USD account without local banking infrastructure. The platform also serves teams and businesses that require multi-card management, expense tracking, and payroll capabilities. Users who earn from platforms like Upwork, Fiverr, Deel, Toptal, YouTube, and Google Ads will find seamless integration. KOSH is built for those who value speed, low costs, and transparency in cross-border finance.