# KOSH > The global bank for individuals and businesses KOSH, formerly CopperX, is a stablecoin-based neobank for cross-border payments. It provides individuals and micro-businesses with multi-currency accounts, global payouts, and a payment card. KOSH is a stablecoin financial platform that provides payment and banking infrastructure for individuals and micro-businesses operating across borders, classified as a payments company. It offers multi-currency accounts, a payment card, and global payout tools, letting users receive, hold, and spend funds without needing a local banking relationship in every market they serve. The platform is aimed at freelancers, remote workers, and small businesses that transact internationally outside traditional banking rails. The platform addresses friction in cross-border settlement by letting users receive payments in local currency equivalents and convert them into stablecoins, then withdraw back into local currency through supported offramps. Certain services are delivered through licensed and regulated partners, and portions of the offering are described as non-custodial. Its product scope spans stablecoin-backed financial accounts across multiple currencies, a payment card, and stablecoin payout and offramp tools, alongside a payment gateway with checkout and invoicing features carried over from the prior brand. The platform is used by freelancers, remote workers, and globally distributed businesses that send or receive payments and payroll across multiple countries. The service is currently transitioning its consumer signup and branding from its prior name to KOSH. - Type: Company - Sector: Payments - Status: Active - Founded: 2025-01-01 - Profile: https://thegrid.id/profiles/kosh ## Products - [CopperX Gateway](https://thegrid.id/profiles/kosh): CopperX Gateway is a merchant payment gateway that lets businesses accept stablecoin and crypto payments through checkout integrations, payment links, invoices, and recurring billing. It processes transactions across multiple blockchains with automatic conversion between digital assets and fiat, and connects to e-commerce platforms through prebuilt integrations and developer APIs. The product also issues stablecoin-based payouts and offramps, letting businesses send funds to contractors, vendors, and bank accounts globally. It is being consolidated into a broader rebranded consumer and business finance platform expected to launch under a new brand. (Merchant Payment Gateway, Discontinued, Main Product) - [KOSH](https://thegrid.id/profiles/kosh): KOSH is a stablecoin-backed neobank offering multi-currency virtual accounts, a global spending card, and business payment tools through a single mobile application. Users open named USD, EUR, and AED accounts to receive funds via ACH, wire, or SWIFT, hold balances in stablecoins, and spend through physical or virtual cards accepted internationally with foreign-exchange conversion. The app also supports sending and receiving payments, tracking transactions, generating invoices, and issuing global payouts to employees and contractors. Signups currently route through a partner platform ahead of a planned relaunch under the KOSH brand. (Neobank, In Development) ## Links - [Main](https://kosh.money) - [Media Kit/branding](https://copperx.notion.site/KOSH-Brand-Kit-ec87743ad90d494f8650132114117dac) - [Privacy policy](https://koshmoney.com/legal/privacy-policy) - [Blog](https://koshmoney.com/blog) - [Terms of Service](https://koshmoney.com/legal/terms-of-service) - [LinkedIn](https://www.linkedin.com/company/koshmoney) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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