Download the Kosh app — Available on the App Store and Google Play.

Create your account — Select your country of residence, then enter your phone number. You will also have the option to enter a referral code before selecting your product.

Fund your wallet — Before you can begin identity verification, you need to hold at least $10 in USDC or USDT in your on-chain wallet. Deposit to the wallet address shown in your app. (Users in the UAE and Maldives are exempt from this requirement and can proceed directly to KYC.)

Complete basic identity verification — Once your wallet balance meets the minimum, you'll be prompted to verify your identity. Have your government-issued ID and a selfie ready. This takes just a few minutes.

Get approved for core features — Basic verification is typically completed within 5 minutes. Once approved, you'll have access to the Kosh Card and withdrawals to bank in INR and IDR.

Unlock all features with enhanced verification — To access Virtual Bank Accounts and withdrawals in USD, EUR, AED, and GBP, a secondary compliance review is required. You'll be asked to complete a short questionnaire in the app to complete this step.

You're all set — Once fully approved, you can use everything Kosh has to offer: your Kosh Card for everyday spending, Virtual Bank Accounts to receive international payments, and withdrawals to your local bank account.