Available regions
Applications or normal card activation are supported
EgyptEGPakistanPKPhilippinesPHNigeriaNGBrazilBRUkraineUAIndiaINKenyaKEBangladeshBD
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
K
KOSH Card
Updated: Sep 14, 2026
KOSH Card is a Visa credit card offered by KOSH to freelancers, remote workers and cross-border users worldwide, with a choice of a virtual card or physical metal card. The user's USD and stablecoin balances in their KOSH account serve as collateral, while the issuer provides spending credit. The card can be used for online shopping, software subscriptions, travel, offline purchases and payments at Visa merchants worldwide and supports mobile payment methods such as Apple Pay and Google Pay.
- Card network
- Product type
- Stablecoin payment card
- Card form
- Virtual card / Physical card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 70-79
- Supported assets
USDT
USDC- Last updated
- Sep 14, 2026
Official and company information
Issuer identity and company credentials
KOSH is a cross-border financial account platform powered by stablecoin infrastructure, targeting freelancers, creators, remote workers, and businesses. It offers multi-currency virtual accounts (USD and others), ACH/Wire/SWIFT receiving, USDC and USDT management, cross-border payments, local bank withdrawals, and Visa virtual and physical cards linked to account balances or digital asset collateral. KOSH handles the app, account interface, and technical integration; underlying banking, fund processing, compliance, and card issuance are provided by partners such as Bridge, Iron by MoonPay, Rain, and Third National.
- Company / issuer
- KOSH
- Legal name
- Piers Technology Inc.
- Registered region
- United States (US)
- Headquarters
- 548, San Francisco, California, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
KOSH combines a USD receiving account, USDC/USDT stablecoin balances, cross-border transfers, and a Visa card in one app. Users can receive USD through ACH, Wire, and other methods, or deposit USDC or USDT directly. KOSH Card is not a traditional debit card, but a credit card secured by eligible digital asset balances. The actual credit is provided by the issuer, while the related collateral assets and settlement mechanism are managed by Rain. KOSH is responsible for the account interface and application management. The virtual card is suitable for online shopping, SaaS, and recurring subscriptions, while the physical metal card further supports in-person payments and ATM withdrawals. The card can be used across the global Visa acceptance network, and users can set spending limits, freeze the card, and view transaction records.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
K KOSH Virtual Card | K  KOSH Physical Card | |
|---|---|---|
| Card form | Virtual card | Physical card |
| Fees | ||
| Monthly fee | Free No monthly fee currently | Free No monthly fee currently |
| Card issuance fee | — | — |
| ATM fee | — | 1 USD + 1% Charged per ATM withdrawal |
| Foreign exchange fee | 0.5% Non-USD transaction surcharge | 0.5% Non-USD transaction surcharge |
| Top-up fee | Free USDC and USDT deposits free | Free USDC and USDT deposits free |
| Failed transaction fee | — | 1 USD ATM withdrawal declined fee |
| Rewards | ||
| Cashback | 5% Hotel 5%; 10% KOSH Points | 5% Hotel 5%; 10% KOSH Points |
| Crypto cashback | — | — |
| Staking rewards | — | — |
| Staking APR | — | — |
| Welcome bonus | — | 5 USD Upon meeting criteria, both referrer and referee receive 5 KoshCash |
| Referral bonus | 5 USD Upon meeting criteria, both referrer and referee receive 5 KoshCash | — |
| Limits | ||
| Daily spending limit | — | — |
| Monthly spending limit | — | — |
| ATM withdrawal limit | — | 250 USD 250 USD per transaction, max 3 per day; no fixed weekly or monthly limit |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
SyriaSYCentral African RepublicCFNorth KoreaKPEthiopiaETGuineaGNSouth SudanSSLebanonLBLibyaLYIraqIQBelarusBYAfghanistanAFEritreaERYemenYECongo - KinshasaCDRussiaRUGuinea-BissauGWCubaCUSomaliaSOMyanmar (Burma)MMIranIRSudanSDNicaraguaNIZimbabweZWVenezuelaVE
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，U.S. residents are covered by KOSH’s separate U.S. card program and must complete the issuer’s identity verification before receiving the card.
2. United Kingdom：Can apply，Can use，UK residents can apply through KOSH’s international card program after completing KYC and confirming their non-U.S. residency.
3. Canada：Can apply，Can use，Canadian residents can apply through the international program after completing KYC and the issuer’s residency verification.
4. Australia：Can apply，Can use，Australian residents can apply under KOSH’s international card terms after completing the required identity and residency checks.
5. South Africa：Can apply，Can use，South African residents can access the international card program after completing KYC, and issued cards can be used locally under KOSH’s global spending coverage.
6. New Zealand：Can apply，Can use，New Zealand residents can apply through KOSH’s international card program after completing the required identity and residency verification.
7. Ireland：Can apply，Can use，Irish residents can apply under KOSH’s international program after completing KYC, with issued cards supported for local and international spending.
Updated: Sep 14, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
National ID / Passport / Bank statement
Review time / regional limits
Initial steps can be completed within a few minutes; full account verification typically takes 1 to 2 business days.
KYC provider
Sumsub
Updated
Aug 14, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview10 scenarios
Supported9
Not supported1
UpdatedAug 14, 2026
Wallet payments
Alipay
Supported
Aug 14, 2026
Wallet payments
Apple Pay
Supported
Aug 14, 2026
Cash services
ATM withdrawal
Supported
Aug 14, 2026
AI tools
Claude
Supported
Aug 14, 2026
Wallet payments
Google Pay
Supported
Aug 14, 2026
In-person payments
Offline POS
Supported
Aug 14, 2026
Online shopping
Online shopping
Supported
Aug 14, 2026
Wallet payments
PayPal
Supported
Aug 14, 2026
Subscriptions
Subscription payment
Supported
Aug 14, 2026
Wallet payments
WeChat Pay
Not supported
Aug 14, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 9 approved reviews matched to this card
KOSH Google Play review - 1 star
I can't this problem Jo Main pesh kar raha hun kuchh din Se Signup Unavailable Sorry! We're not able to accept new sign-ups at the moment. Please check back a little later. We'd love to have you join us.
View original KOSH Google Play review - 1 star
the app not opening and not getting me signin up in the app
View original KOSH Google Play review - 5 star
when available in Bangladesh?
View original Life saver for freelancers
Been using Kosh for 2+ years now and it just keeps delivering. Support team is top notch and helpful.
If you're a freelancer dealing with USD payments, this app is an absolute life saver, no cap.
View original KOSH Google Play review - 1 star
behaviour is very disgusting and they have a hidden charge which they never explain the user. every time you withdrawal from platform the charge you much higher than usual
View original smooth experience
Great app smooth spending
View original KOSH Google Play review - 1 star
Virtual card request rejected without any explanation (the help said that the explanation is sent on email, nope it only says to contact support). The support itself is a bot that will only link to the help page. I'm from a supported country and never have this problem with other platform.
View original KOSH Google Play review - 5 star
Nice
View original Best app for offramping to bank acc
I’ve started using Kosh for salary and payouts.
It works perfectly with my Dubai account, and also the card is free, so it helps me to spend directly.
View original Risk factors
Updated: Aug 14, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does KOSH Card require KYC?
Our record lists the KOSH Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does KOSH Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up KOSH Card with?
Our record lists KOSH Card support for: USDT and USDC.
Is KOSH Card a virtual or a physical card?
KOSH Card is offered as: Virtual card and Physical card.
Where is KOSH Card available?
Our record lists 9 countries or regions as available and 24 as restricted. Country-by-country status is in the regions section of this page.
Who issues KOSH Card?
KOSH Card is operated by KOSH on the Visa network.