A cheap stablecoin Visa with an honest price tag and an unpublished country list

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have tried to open an ordinary bank card and been refused, or you simply prefer holding dollars rather than a volatile coin, the KOSH Global card is worth a look. It is a plain Visa — virtual or metal — that spends money you have already loaded into a KOSH wallet from USDT or USDC. There is no monthly fee, USD purchases cost nothing, and a year of virtual-card use costs eight dollars.

Conditions are current as of October 28, 2026.

That said, I want to be upfront about what I could not verify. KOSH does not publish the list of countries where the card can be issued. Its marketing page says “available in select jurisdictions” and nothing more. The company behind it is Piers Technology Inc, described in its own terms as “a financial technology company, not a bank or a money services business”, and the regulated institution that actually issues the card is not named anywhere I could find. No licence number appears on the public pages. The product launched on June 12, 2026, which means it has almost no track record, and a search for reviews turns up no Trustpilot page and no Reddit discussion at all.

None of that makes the card bad. It makes it young, and it means you should keep the amount you leave sitting on it modest until you have seen how it behaves. Read on, and I will walk you through who gets one, what it costs in practice, how you load it, and the places where the small print will cost you money.

The conditions described on this page are current as of October 20, 2026.

Verdict: 6.5 out of 10

Here is my score broken down, criterion by criterion, so you can disagree with any single line rather than the whole thing:

The card is built for one person above all: someone who wants a cheap virtual Visa funded with stablecoins. If that is you, the price is hard to argue with — eight dollars a year with no monthly charge is at the cheap end of this whole category, and the everyday-use score of 9 out of 10 reflects genuinely good fundamentals (both card forms, both mobile wallets, ATM access on the physical card).

Where I am less comfortable is the 5 out of 10 on eligibility and the 6 on reliability. Both come down to the same problem: opacity. You cannot check whether your country is supported before you install the app, and you cannot look up who licenses the issuer. If you need certainty about either, this is not the card.

Will they give you the card?

Availability depends on your country of residence, and that is where this card gets vague. The card option appears inside the Cards section of the app only if “the card is available in your region”. No country list has been published. The marketing page says “available in select jurisdictions” and adds that Visa merchants are accepted in 180+ countries — which is a statement about where you can spend, not where you can sign up. Those are different things, and conflating them is the most common misunderstanding about cards of this kind.

If your region is unsupported, the app offers one fallback: an early-access list you can join through in-app chat. There is one partial exception worth knowing. The physical card “can be shipped to some regions where the card isn’t supported”, and India is the example the company itself gives. So in some places you might be able to hold a virtual card and still not be able to order metal.

The terms set one hard line. They bar users located in, or transacting with, jurisdictions under “comprehensive sanctions or embargoes”. No country is named in that clause, so you have to make the judgement yourself.

My practical advice: install the app and look at the Cards section before you scan your ID. That costs you nothing and it answers the only question that matters. If the option is not there, you have your answer.

How to get it

The application is a standard crypto onboarding flow, and the identity check is the ordinary one for this category. You need a government-issued ID plus a selfie with a liveness check, handled by verification partner Sumsub. The marketing page additionally mentions a recent bank statement. Proof of address is not mentioned in the help article, though a bank statement partly serves that purpose. The terms set the minimum age at 18.

The steps are: create a KOSH account, pass KYC, then order the virtual card in the Cards section, and optionally order a physical one afterwards. There is a single personal KYC level, and approval usually takes 5–10 minutes. One detail that catches people out: if you completed your KYC in 2025 or earlier, you have to submit it again. Businesses go through KYB instead, which is a separate process I have not examined.

On the card itself: it is a Visa, available virtual or physical, with a metal card described as “shipped worldwide” on the marketing page. The card currency is USD. Physical delivery is by express shipping, up to 10 business days with tracking, costing $80 — countries served are not listed, the replacement cost is not stated, and you activate the card in the Cards section when it arrives.

Fees: what it really costs

This is where the card looks strongest and where I found the one genuine contradiction in the documentation. First, the standing costs and the running costs:

The FX discrepancy deserves a moment. The help-centre fee article says “0.5% added FX”; the marketing page says 1.5% per foreign-currency transaction. Those cannot both be right, and I have no way to tell you which one your account will be charged. The prudent approach is to assume 1.5% — the higher number — until the fee article is updated or you have seen a real statement.

Now let me take three ordinary payments and work out what each actually costs.

A coffee in your own country, paid in local currency. If you are spending outside the US, your USD card is being converted, so the FX fee applies. At the 1.5% reading, a $5 coffee costs 5 cents over the rate. At 0.5%, about 2.5 cents. Neither is painful, but it is also not zero, and the difference matters if you make this purchase daily. If the terminal offers to charge you in USD instead, taking the local currency is normally the better of the two — that is the subject of a separate KOSH help article I did not read.

An online subscription billed in USD. This is the clean case: 0%. No conversion, no monthly fee on the card itself, nothing to forget. If you pay for software or services in dollars, this is where the card earns its keep.

A withdrawal from a cash machine. This is the expensive one. $1 plus 1%, plus whatever FX applies, plus whatever the ATM operator charges on top — and the ATM operator’s fee is not included in KOSH’s numbers. On a $250 withdrawal, the KOSH-side cost is $1 plus 1% of the withdrawal amount, plus FX and the operator’s own charge. Note also that virtual cards cannot be used at ATMs at all; this only applies if you hold the physical card. A balance inquiry costs $1, and a declined transaction also costs $1, so a machine that turns out to be out of cash still charges you.

One more thing on limits, because it is easy to miss: spending limits are whatever you set in the app, and no fixed cap is published. That is genuine flexibility — you can tighten it at any time — but it also means the card will not stop you from spending more than you intended unless you set the guard yourself.

How to top up

Top-up is the part this card does cleanly. The card is loaded from the KOSH wallet, which accepts USDT and USDC. The help article does not specify which networks are supported, so you must confirm that in the app before sending anything. Deposits are free, with no stated minimum or maximum, and the balance updates 5–10 minutes after on-chain confirmation.

That network question is not a formality. Blockchain transfers are irreversible, and a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost outright or need manual support recovery with no guarantee. Stablecoins also live on very different chains: USDC is natively supported on 38 networks as of September 16, 2026, including Ethereum, Solana, Base, Polygon PoS, Avalanche, Arbitrum and Stellar; USDT has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others. Because USDT on Tron and USDC on Tron are not the same thing — Circle stopped supporting USDC on Tron in February 2024 — you cannot assume the label “TRC20” identifies a supported route. Copy the deposit address from the app, match the network exactly, and keep a small balance in the native token of that network for the transfer fee.

Fiat is the other route, and it is worth knowing even if you never use it: you can fund a virtual USD account by ACH or wire transfer to a KOSH USD account, and it settles as stablecoin. Fees on that path are not stated.

There is a reverse direction too. You can move the card balance back to the KOSH wallet in the same stablecoin you topped up with, and only your own added funds qualify — welcome bonuses, referral rewards and cashback are excluded from withdrawal. The fee for that is not stated, what happens to a remaining balance on closure is not stated, and the account can be closed in the dashboard or via support.

Paying with it every day

Everyday use is where this card earns its 9. It is a Visa, virtual and physical, so it works anywhere Visa is accepted online and in stores. Apple Pay is supported wherever Apple Pay itself is available in your country; Google Pay is advertised on the marketing page as working “in two taps”, though the help article does not cover it. Spending controls are good: the app lets you freeze and unfreeze the card instantly, set spending limits, and lock the card to categories or individual merchants. There is a help article on a lost or stolen card and another on suspicious activity.

Rewards are advertised but treated loosely. The marketing page offers 10% reward points on eligible purchases, 5% cashback on hotel bookings and $5 per referral, with the caveat that these “may vary and are subject to program terms”. Meanwhile the help-centre fee article lists the 10% reward points as “coming soon”. I would plan as though there are no rewards, and treat anything else as a bonus. There are apps for iOS and Android; I did not read store ratings.

If something goes wrong with a payment, the dispute route is: contact the merchant first, then send evidence to KOSH through in-app chat or email. KOSH files through its card partner via the Visa network. There is a $30 fee per dispute request, and investigations typically run 30–90 days.

What can go wrong

I found no official incidents involving KOSH, and no user reports or news coverage of problems. The searches for reviews returned no Trustpilot page and no Reddit threads — only an unrelated site called koshigroup.com, which is a different company and not this one. Comparison sites show no reviews either. That silence is not a clean bill of health; it is more likely a reflection of a product that launched on June 12, 2026 and has not yet built a user base.

The structural risks are worth naming plainly.

Who holds your money. KOSH describes the arrangement as custodial: the card is collateralised by your KOSH USD balance, and Piers Technology Inc is “a financial technology company, not a bank or a money services business”. Services are delivered “via licensed partners”, and the issuer is described only as “the regulated financial institution selected for the Card Program” — not named. No licence is named. The terms are governed by Delaware law with arbitration in New York. A third-party listing says the product was formerly called CopperX, and another profile suggests signups currently route through a partner platform ahead of a planned relaunch under the KOSH name. Two-factor authentication is not stated; what happens to safeguarded customer funds is not stated.

Safeguards that are missing from the page. EMIs are normally required to segregate customer funds in dedicated accounts or insure them, and those funds are not the same as bank deposits and may not sit under a deposit guarantee scheme. KOSH’s own pages do not state how your balance is safeguarded. Ask support directly before you hold a large balance.

Programme risk is real in this category. Visa and Mastercard do not issue crypto cards themselves; they license issuers and can suspend a programme. Visa terminated its agreements with FTX on November 13, 2022, and WaveCrest, a card issuer that supplied several crypto brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. Closures tend to follow a pattern: a notice period, then loading and spending stop, then a request that you withdraw what remains.

The merchant-decline problem. Cards like this often look “foreign” at the till. A merchant can look up the issuing institution and country from the first six or eight digits of the card number, and apply extra scrutiny when the issuer country differs from the billing address. Some merchants decline prepaid or foreign-issued cards for exactly that reason. This is not a KOSH defect — it is structural to a card issued in one country and used in another — but it will happen.

Address checks fail on foreign cards. Address Verification compares the numeric parts of the billing address a buyer types against issuer records; it exists mainly in the US, Canada and the UK, and is generally unavailable for foreign-issued cards, which can cause declines. Expect some friction on unfamiliar checkouts.

Holds. A declined authorisation can leave a hold on your funds for up to seven days.

Your chargeback rights are not the ones you assume. Debit card reversal rights in the US come from Regulation E and credit card rights from Regulation Z; prepaid-card coverage varies and should not be assumed. Combined with the $30 dispute fee and a 30–90 day investigation, a large disputed payment is an expensive thing to chase.

Taxes are yours. The IRS treats digital assets as property, so each payment funded from crypto may be a separate taxable disposal measured at the fair market value on the transaction date. That is a general point about the category, not a KOSH rule, and how it applies to you depends entirely on where you live.

What to take instead

Three alternatives are worth putting next to KOSH, as the differences are mostly about what each card can tell you up front.

The International Visa Card scores fractionally higher and publishes the single most useful thing KOSH does not: an exclusion list. It names Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar, Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam as ineligible by residence or registration, with FATF grey-list countries handled case by case. It also states where purchases are blocked: North Korea, Cuba, Iran, Russia, Syria, Ukraine and Venezuela. Its cost is a 2% FX fee, higher than KOSH’s headline, and physical delivery is still “coming soon” — so it is the better option if knowing whether you qualify is worth more to you than saving money on conversion, and the worse one if you need metal in your hand.

UNi Card is the cleanest on fees: no annual fee and no foreign transaction fee, with assets converted at live OTC rates and, in its own words, “no hidden exchange fees”. It pays up to 3% through the card. But its availability is not stated at all, it is a Mastercard rather than a Visa, and I have nothing on how you fund it. Whop Cards are the narrowest of the four: real, published US state coverage for consumers, 5% cashback at selected merchants, but no fee amounts at all, no stated conversion cost, and no clarity on which coins or networks back the balance.

My read: KOSH wins on price and on everyday practicality. The International Visa Card wins on published certainty. UNi Card wins on the absence of FX fees. If the reason you are reading this is that a bank turned you down, certainty about eligibility may matter more than a dollar or two of savings.

Who I would recommend it to

I would recommend this card to a specific person, and that person is not everyone.

I would recommend KOSH Global to you if you want a low-cost Visa that spends dollars you already hold as stablecoins, you mostly pay in USD or accept a small conversion charge, you are comfortable verifying your identity with a selfie, and you will treat the balance as money in transit rather than money in savings. If you travel, the physical card with $250 ATM withdrawals and Apple Pay is genuinely convenient. If you want one subscription or a handful of websites to accept a card and you would rather not pay a monthly fee forever, the $8 virtual card does exactly that.

I would not recommend it to you if any of the following is true. You need to know before signing up that your country is supported, because there is no list to check. You want to hold a meaningful balance and be certain about how it is safeguarded, because the pages do not say. You need a physical card delivered to a specific country and need that confirmed, because the served countries are not listed. You plan to rely on reward points or referral payments, because the help article calls the main one “coming soon”. Or you need strong cardholder dispute rights on large payments, because a dispute costs $30 and can take 90 days.

Frequently asked questions

What is the KOSH Global card?

KOSH Global is a Visa payment card issued through a crypto platform’s wallet. You load it with USDT or USDC, the balance converts to a dollar balance, and the card spends that balance like a prepaid Visa. It comes in virtual and physical (metal) form, and the card currency is USD. It is offered by Piers Technology Inc, which describes itself as a fintech, not a bank or money services business.

How does the KOSH Global card work?

You open a KOSH wallet, pass an identity check, and order a virtual or physical Visa. You top up with USDT or USDC, the balance lands five to ten minutes after on-chain confirmation, and the card draws down that balance. Because it is a pre-loaded balance card, it cannot overdraw. You can set your own spending limits and lock the card to categories or merchants in the app, and freeze it instantly if lost.

Is KOSH Global a bank?

No. Piers Technology Inc states plainly that it is “a financial technology company, not a bank or a money services business”. Services are delivered through licensed partners, and the actual card issuer is described only as the regulated financial institution selected for the Card Programme — it is not named on the public pages, and no licence number is published. If that matters to you, ask support before you deposit.

Who owns KOSH Global?

The card programme belongs to Piers Technology Inc. A third-party listing records that the product was formerly called CopperX, and another profile suggests signups currently route through a partner platform ahead of a relaunch under the KOSH brand. Those are unofficial third-party details, not confirmed by KOSH’s own pages.

Can I get the KOSH Global card in my country?

You can only find out by opening the app. The card option appears in the Cards section only if “the card is available in your region”, and no country list is published; the marketing page says only “available in select jurisdictions”. If your region is unsupported you can join an early-access list via in-app chat. A physical card can ship to some unsupported regions, with India given as an example.

What are the KOSH Global card fees?

A virtual card costs $8 a year and a physical card $80 a year, with no monthly fee. Card authorization is free, USD purchases are 0%, and USDC/USDT deposits and settlement are free. FX is listed as 0.5% in the fee article but 1.5% on the marketing page — a genuine contradiction. ATM withdrawals cost $1 plus 1%, plus FX and the operator’s own fee; balance inquiries and declined ATM transactions each cost $1.

How do I top up the KOSH Global card?

Send USDT or USDC to your KOSH wallet address; deposits are free with no stated minimum or maximum. The help article does not name the supported networks, so check the app before sending, because a deposit on the wrong network can be lost. You can also fund a virtual USD account by ACH or wire, which settles as stablecoin, though those fees are not stated.

Is the KOSH Global card safe?

There is no evidence of problems — no official incidents, no user reports, no Trustpilot page — but the product only launched on June 12, 2026, so that silence is thin. The card is custodial: your balance sits with the provider, and the issuer is unnamed. KOSH’s pages do not state how funds are safeguarded or whether two-factor authentication is offered. Treat the balance as transit money rather than savings.

Does KOSH Global work with Apple Pay and Google Pay?

Apple Pay is supported wherever Apple Pay is available in your country, and the physical or virtual card can be added through the app. Google Pay is advertised on the marketing page as working “in two taps”, though the help centre does not describe it. Either way, expect the usual friction for a foreign-issued card: merchants can look up the issuing country from the card number and decline, and address verification generally does not work on foreign-issued cards.

Can I get cash out with the KOSH Global card?

Only with the physical card — virtual cards cannot be used at ATMs. Withdrawals are $250 per transaction, three per day, with no weekly or monthly limit. Each withdrawal costs $1 plus 1%, plus the applicable FX fee, plus whatever the ATM operator charges. A balance inquiry costs $1 and a declined transaction costs $1, so a machine with no cash still costs you.

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