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.
Hey Product Hunt,
I'm Tarun from the KOSH team.
We built KOSH because receiving USD payments in Asia is still painful -- whether you're running a Shopify store, selling on TikTok Shop or Amazon, getting Meta creator payouts, or working on Upwork.
Here's what we focused on:
- Direct USD receiving from platforms like Upwork, Shopify, TikTok Shop, and Meta Creators
- Option to hold balances in digital dollars or USDC/USDT depending on what you prefer
- A global credit card to pay for Meta Ads, Google Ads, ChatGPT, Claude, or any other tools and subscriptions
- Works without needing a US company
We're still early, so I would love honest feedback. If you sell on any of these platforms, what payment issues are you still facing?
- Tarun
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.
Had high hopes that we might finally have a solution for Lebanon , ran through the app registeration, then bumped into your country is not included , big disappoinment for us.
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?
Congrats on the launch! Do you have a system for attaching receipts to those bank transactions?
Finally, we can hold USD, not like PayPal or wise, where it automatically transferred to our bank account.
This is really interesting. How does KOSH handle credit decisions for freelancers without US credit history?
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! 🎉
Congrats on the launch, the product looks really promising! @tarunmangukiya
Do you also offer cashback on card payments?
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!
Great product! I have been using the Kosh card for quite some time now, and I love it. I appreciate products that function like traditional everyday items with low friction and good functionality.
About KOSH Money on Product Hunt
“USD account & credit cards for freelancers & creators”
KOSH Money launched on Product Hunt on June 12th, 2026 and earned 164 upvotes and 23 comments, placing #4 on the daily leaderboard. 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.
KOSH Money was featured in Android (57.3k followers), Freelance (31.2k followers), Banking (1.5k followers) and Credit card (627 followers) on Product Hunt. Together, these topics include over 46.6k products, making this a competitive space to launch in.
Who hunted KOSH Money?
KOSH Money was hunted by Tarun Mangukiya. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
Want to see how KOSH Money stacked up against nearby launches in real time? Check out the live launch dashboard for upvote speed charts, proximity comparisons, and more analytics.
Tarun Mangukiya