KOSH Card

What the KOSH Card is

KOSH — built on the Copperx platform — is a USD account for freelancers, creators and remote workers, mostly outside the US. You receive payments from Upwork, Fiverr, Deel, Toptal or direct clients into a named virtual USD account, your balance is held in stablecoins, and the card spends directly from that balance.

The card structure

The Global Card is described as a credit card collateralised by your KOSH USD balance. In practice the collateral is the balance itself, which means the card is a spending layer over your own dollars rather than a line of credit. Two versions exist: an instant virtual card and a physical metal card shipped worldwide.

Why the emerging-markets focus matters

KOSH is explicitly built for freelancers in Nigeria, Pakistan, India, the Philippines, Bangladesh, Kenya, Egypt, Brazil, Ukraine and Indonesia — markets where receiving and spending USD is genuinely difficult. The card works for tools like Figma, Canva, AWS, OpenAI and Netflix without needing a US billing address.

What sits around the card

The same account offers ACH, wire and SWIFT receiving details, email-based transfers, family and team cards from one balance, a 4% to 6% yield on idle cash, off-ramps to local banks in 90-plus countries, and investing in crypto and stocks.

KOSH issues a Visa collateralised by a USD balance held in USDC or USDT, aimed at users in Nigeria, Pakistan and India, with free USD spending. Eversend serves a comparable audience through a licensed African fintech, and MiniPay keeps the balance on-chain instead. The crypto cards directory compares their country lists.

Card options and controls

• Order a physical metal card shipped worldwide, or generate a virtual card in seconds.
• Set spending limits, freeze or unfreeze instantly, and lock cards to categories or merchants.
• Apple Pay and Google Pay supported for contactless payments.

Receiving and holding dollars

• Named virtual USD account that accepts ACH and wire payments from US clients and platforms, plus SWIFT for international senders.
• Balance held in USDC or USDT, so it keeps dollar value instead of converting into a local currency.
• Multi-currency dashboard covering USD, EUR, GBP and AED.

Rewards

• 5% cashback on hotel bookings paid with the KOSH card.
• 10% reward points on eligible purchases.
• $5 for every successful referral.

Household and team use

• One account can fund multiple cards, including cards for family members.
• Team cards with custom limits and a shared transaction dashboard.

Spend intelligence

• AI analysis groups spend by category, surfaces recurring subscriptions and turns transactions into insights.

USDC and USDT

Your KOSH balance is held in stablecoins. The global card page describes using your USDC for real-world spending, and cross-border payments can cash out USDC straight to a bank account. USDT is the other supported stablecoin.

Spending versus investing

The card does not spend a coin of your choice at checkout — it spends your dollar balance, and the stablecoin sits behind that balance. The same account offers investing in crypto and stocks separately if you want market exposure rather than spending power.

What KOSH publishes

• Account creation: free
• USD payments: free, with no monthly card fee
• Non-USD transactions: 1.5% conversion per transaction
• Rewards: 5% cashback on hotels, 10% points on eligible spend, $5 per referral
• Idle balance yield: 4% to 6%

What is not published

KOSH's own review article states that the company does not publicly list its full fee schedule, so card transaction fees, withdrawal costs and transfer pricing can only be confirmed in the app or on request. Treat the 1.5% FX figure as the one confirmed card cost and verify the rest before committing volume.

Verification requirements

Opening the card requires a valid ID, a recent bank statement and a quick self-verification. Availability depends on your country, so check the supported regions before applying.