KOSH is a USD account built specifically for freelancers and creators across Asia. Unlike Wise or Payoneer, which often restrict or delay USD receiving in many Asian countries, KOSH lets you receive payments directly from Upwork and global clients, hold USD balances reliably, and spend with a credit card - without needing a US entity. Early users report faster access to their earnings and fewer payment rejections.
@tarunmangukiya Congrats on the launch, Tarun! The interface looks incredibly clean. I actually just ran the cross-border platform payout niche through my tool, MarketGapAI, which scrapes complaints across Upwork and Trustpilot. Interestingly, a massive pain point for creators and freelancers right now is unexpectedly high hidden conversion fees and sudden account freezes when trying to move USD to local accounts.
Curious to know - how does KOSH protect users from those sudden compliance pauses, or are you primarily focusing on the advertising credit card side of the equation for now?
@alexstartups Thank you so much Alex for your kind words.
Yes, I have heard similar horror stories from freelancers about accounts freeze and % fees. At KOSH, we work with world's best payment partners (more than 1) to make sure if anything happens, we have 2nd account ready within 5 minutes for every freelancer/indiehacker.
Credit card is a huge bonus on top of USD accounts, you must try it out. I would really appreciate your feedback for the app.
@tarunmangukiya Congrats on the launch, Tarun.
This is a problem I've seen come up repeatedly for founders, freelancers, and online businesses across Asia. Getting paid internationally sounds simple until you actually start dealing with banking restrictions, transfers, and platform-specific headaches.
I particularly like that you've combined receiving, holding, and spending into a single workflow rather than treating them as separate products.
Would love to learn more about how you're approaching the business and growth side of KOSH. What's the best email to reach you on? I think it would be interesting to connect and exchange ideas.
@tarunmangukiya Congratulations for the launch, Tarun.
@jiteshghanchi Thank you Jitesh!
Congrats @tarunmangukiya and team!
This is really interesting. How does KOSH handle credit decisions for freelancers without US credit history?
@dhiraj_patel5 Our card type is credit card -- meaning your KOSH card doesn't decline anywhere and it gives you confort of making sure that you can easily subscribe to any tools. Lot of times our local cards fail for Google Ad, Meta, ChatGPT, or Claude, this doesn't happen with KOSH Card. But you need to deposit funds as USD.
Directly receiving payments from Upwork would be great if it actually works smoothly. How long does it usually take for USD to settle and be spendable on the card?
@thamibenjelloun As soon as we receive your ACH deposit, you can instantly spend it with card. ACH can take 1-3 days based on your sender bank. We do support FedNow too for instant paymnts.
Congrats on the launch, the product looks really promising! @tarunmangukiya
Do you also offer cashback on card payments?
@mahdi_nouri We don't have cashback currently. But we do have referrral rewards. :) You get $5 for each successful referrals.
Congrats on the launch! Do you have a system for attaching receipts to those bank transactions?
@luigi_receiptorai You can add additional files like invoices and comments for each tx.
Hey Tarun. This is squarely my world: my day job is payment tooling for media freelancers, so here's an answer to your closing question from that seat.
The platforms you listed cover programmatic payouts well, but a big slice of the freelancers I see get paid a different way: direct invoices into a client's AP or studio billing system. The recurring pain there is twofold. Payment rejections when the receiving account looks unfamiliar to the client's AP software, and long unexplained delays when cross-border compliance kicks in. The freelancer's own bank is rarely the blocker; the sender's system is.
So my question: when a client's AP system pays a KOSH account directly, does it present like a standard US bank account, with normal ACH routing and account numbers? Or is the product built mainly around the platform-payout rails for now?
The "without needing a US company" angle is the sharp part. Good luck today.