Launched this week
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.
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HostDispute
@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?
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@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.
Contral
@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.
TapRefer
@tarunmangukiya Congratulations for the launch, Tarun.
Tiny CV
Congrats @tarunmangukiya and team!
CatDoes
Congrats on the launch, the product looks really promising! @tarunmangukiya
Do you also offer cashback on card payments?
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@mahdi_nouri We don't have cashback currently. But we do have referrral rewards. :) You get $5 for each successful referrals.
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.
KOSH is really easy to use, and it helps me get payment from Upwork and send it to my local apps in Indonesia. You guys are really awesome. I hope you maintain the lower fee to encourage Indonesian to use your service since the USD is a pretty high exchange rate at this moment, so every penny counts. 100% recommended!
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@soediono_lenz Thank you so much. It's been really great working with you during beta.
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Congrats on the launch, team! Been using the Physical Card for a while now and it's made my life easier whenever I have to purchase any tools. From Claude to Canva, I've linked the card everywhere and it works very smoothly.
Was using the app on TestFlight for almost a month and happy to see it fully live now. Kudos and more power to the team! 🎉
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@varun_trivedi2 thank you so much broo!! you've been our early user. really appreciate all the feedbacks.
This is really interesting. How does KOSH handle credit decisions for freelancers without US credit history?