Before you begin — deposit requirement
Before you can start KYC, you need to hold at least $10 in USDC or USDT in your Kosh wallet. This is a one-time prerequisite that unlocks the KYC flow in the app. Card balance, Kosh Cash, and rewards do not count toward this threshold. Users in the UAE and Maldives are exempt from this requirement and can begin KYC immediately.
Once you complete your KYC, your account is typically approved within 1–2 business days, provided all documents are valid, clear, and complete.
What happens after you submit
After completing your KYC, your app will show KYC In Review. During this time we verify your documents and set up your account with our partners so all features are ready to use. You do not need to take any action during this time.
If our team needs anything additional from you, we will reach out via email.
If it's been more than 3 business days
Contact us at [email protected] and our team will look into it.
Typical KYC status flow
Step | Status | Typical duration |
1. Submit your initial details | KYC In Review | A few minutes |
2. Initial details verified | KYC In Progress | A few hours |
3. KYC documents & liveness check completed | KYC In Review | A few hours |
4. Account setup with partners | KYC In Review | Up to 1–2 business days |
5. Account fully verified | KYC Approved | — |
Total: typically 1–2 business days from KYC completion.
What comes next — Enhanced KYC
After your basic KYC is approved, some users will receive a prompt in the app to complete Enhanced KYC. This is an additional verification step that may include profile details, work history, and social verification. Enhanced KYC is a hard gate for certain features — if prompted, you will need to complete it before those features become available. The in-app prompt will guide you through each step.
This timeline assumes all documents are valid and complete on first submission. If your documents require re-submission or if your KYC is rejected and restarted, the overall timeline will be longer. KYC timelines may also vary depending on document quality, jurisdiction, and regulatory requirements.