***
COCA is a next-generation challenger bank that pays you back. Earn market-leading interest on your balance and get cashback on popular subscriptions – all in one modern banking experience:
* A clean, simple app
* A Visa card you can use online and in-store worldwide
* IBAN with international transfers, card-to-card payments
* Highest rewards and APY on your balance
* Funds under your control
Under the hood, COCA is **not a traditional bank**. Think of a challenger banks (like Revolut, N26, or Nubank), but powered by a smarter, more efficient infrastructure behind the scenes.
**Why is COCA a game changer?** The funds stay under your control.
> **The result?** A better, safer, more rewarding way to manage your money.
### Why choose COCA?
**Feels like a bank, but secure as cash** \
COCA is built so your money ultimately lives in a **wallet you control** (self-custodial – same as cash), not on a bank’s balance sheet. You spend and earn from this wallet and the money always stays with you.
**A card you can use everywhere**\
Your COCA card lets you spend money **anywhere Visa is accepted** – online, in-store, and for subscriptions. Top up via an IBAN in EUR or USD (just like a normal bank transfer), from other card or via stablecoins. We handle everything in the background.
**Highest cashback on real spending**\
Use COCA as your main card and get up to **8% cashback** on everyday spending and up to **50% back on subscriptions**, depending on your tier and region. Your normal lifestyle – groceries, rides, Netflix, Spotify, ChatGPT – can start paying you back.
**Passive earnings on your card balance, with no lockups**\
Your balance can earn up to **5%** **interest** while it’s just sitting there, and it’s still **fully accessible** – no lockups. Earn on your money by just holding it in COCA and spend whenever you need it.
**Travel with COCA**\
Use COCA Travel to book flights and hotels. Get exclusive prices and exceptional **discounts of up to 65%.**
***
# Why are rewards so high?
People usually ask:
> ***“How can COCA offer high cashback and APY when banks don’t?”***
Short answer: **because COCA is not a traditional bank.**
When banks earn revenue from card activity or FX, a lot of it gets eaten by the cost of running the institution. That’s why, for many banks, rewards are either minimal, full of exclusions, or funded in a way that’s hard to sustain long-term.
We don’t run a branch network, we don’t rely on legacy rails for everything thus we can share more of the value created by payments and stablecoin infrastructure back to users.
### COCA uses more efficient infrastructure
COCA is designed around **stablecoins and blockchain infrastructure**, which is cheaper than traditional setups:
* Settlement and transfers are handled with fewer layers
* Operations are automated and standardized
* The system runs globally without a local banking
That doesn’t mean there are *no* costs – there are still payment partners, card rails, compliance, support, and risk management – but the model is more efficient. And since operating costs are lower, COCA allocates a larger portion of value back to users instead of burning it on fees and overhead.
### Merchant-funded cashback adds a second engine for rewards
COCA works with a growing network of merchants who **fund offers** to attract customers. Here is how that typically works in practice:
* A merchant wants more sales or customers
* They allocate a **marketing budget** to offer rewards (cashback, discounts, special offers)
* When users shop through COCA (or pay with COCA in qualifying ways), the merchant-funded reward gets triggered
* That reward is then paid out to the user (often alongside COCA’s base rewards, depending on the program)
Rewards are not only “COCA paying from its own pocket” but come from the brands and businesses that benefit directly from the transactions.
### Earnings come from real activity in DeFi
COCA offers earnings on card idle balance. It is earned by putting stablecoins to work in decentralized finance (DeFi), where people and businesses borrow, lend, and use stablecoins every day.
Because these systems run automatically and without traditional intermediaries, they can generate higher returns than classic savings accounts. The interest comes from real usage, not from COCA subsidizing rewards.
APY levels are based on what these markets actually generate and are adjusted to stay sustainable over time.
### Is this sustainable?
We combine three drivers:
* **Lower operating costs** (more efficient infrastructure)
* **Additional cashback from merchants** (funded by marketing budgets)
* **Earnings generated from real DeFi activity** (money are put to work in global, automated markets)
### Summary
COCA rewards can be high because they’re powered by a modern stablecoin + payments model, not old-school banking. They’re driven by **efficient infrastructure,** **merchant-funded cashback and zero-trust DeFi protocols**, which creates more room to offer strong, competitive rewards while keeping funds accessible.
# Where is my money stored and who controls it?
Traditional finance apps store your money in accounts they control and show you a balance in their system. COCA is built differently – you own your money.
### Your money stays in the wallet you control
In COCA your 'Banking Account' is actually a blockchain **smart wallet** that you control. COCA provides the **bank-like interface** (app, card, support, compliance rails), but the funds are not under our control.
Think of it as:
* **Bank app experience**
* **Cash-style ownership**
#### What “smart wallet” means (without the crypto headache)?
COCA uses **smart contract wallets** (EIR-4437, [EIP-7702)](https://eip7702.io/) and this is what makes COCA feel like a normal bank:
* All your funds are stored on the blockchain and controlled by you
* You have safer sign-in and recovery flows without a seed phrase
* You set rules (limits, permissions, spending controls)
* The wallet approves actions in a user-friendly way without you doing “crypto steps” every time
It’s the tech that makes blockchain adoption possible.
### How payments work with COCA card?
When you pay with the COCA card, the merchant requests an **authorization** (e.g., €42.70). COCA’s system is designed so that:
1. A card authorization happens (like any card)
2. Your smart contract wallet **approves that specific amount** for that specific payment
3. Only the authorized amount is moved for settlement – not your whole balance
So instead of “COCA can access everything”, it works like this:
> Pay this merchant, this amount, right now – and nothing else.
You are also protected by:
* Daily/weekly spending limits
* Merchant or subscription permissions
* Instant freeze controls
This is how COCA creates a Self-Banking experience: it feels like a bank while treating your money like it belongs to **you**, not to COCA.
# Is COCA safe?
### Secure as cash
COCA is built with the idea that users should have ultimately control over their funds as if it was cash in their pocket. For the wallet experience, we use **Privy** as part of the wallet infrastructure (non-custodial wallet / authentication layer) to make COCA feel like a normal banking app – without the need to know anything about crypto or blockchain.
What this means in practice:
* Your funds live in **your wallet**, not in COCA or third party-owned wallet
* The card/payment system is designed to request **permissioned, specific amounts** for purchases (authorization-based) rather than having full access to your balance
> [**Privy**](https://www.privy.io/), is a wallet provider built for production security. Privy performs regular third-party security audits across infrastructure and cryptography, and documents multiple independent audits by firms including **Cure53, Zellic, and Doyensec**, alongside a **bug bounty program**. Privy also states it is **SOC 2 Type I and Type II certified**.
#### What "Self-banking” means?
Self-banking means that COCA:
* Cannot move your money on its own
* Cannot see or control your full balance
* Cannot freeze or take custody of your funds
You approve what happens with your money, just like handing over cash when you make a payment. This is why we call this self-banking – your control your own money, you are the bank.
#### Where is my seed phrase with Privy?
When using COCA with Privy, you don’t see or manage a traditional seed phrase. This is intentional and designed for traditional-style usability.
#### How it works?
* Your wallet does have cryptographic keys (like any other blockchain solution)
* Those keys are not shown as a seed phrase
* You are not asked to write down or store a recovery phrase
Instead, Privy uses a secure, non-custodial key management system that lets you access your wallet through familiar methods like email, social login, or device-based authentication.
You still own the wallet and the funds, but you don’t have to handle a seed phrase manually.
#### Does this mean Privy controls my wallet?
No.
* Privy does not have custody of your funds
* COCA cannot move your money
* All wallet actions require your authorization
Privy’s role is to securely help create, store, and use your wallet keys in a distributed way without exposing them to you, to COCA or Privy itself.
#### Can I export my private keys?
Yes. You can export your private keys when using COCA. Right now export procedure is irreversible and you will no longer able to use this private key and wallet in COCA.
***
### APY security (Morpho + Gauntlet)
When COCA offers APY, the yield is generated by allocating the funds to established on-chain lending markets. A core route we expect to use is **Morpho**, where deposits can be managed through vault-style strategies with explicit risk controls. Morpho publishes a dedicated **risk & security** section for Morpho and Morpho Vaults, outlining the key categories of risk users should understand.
> **Why** [**Morpho**](https://morpho.org/) **is considered a security-first building block**
>
> * [**Audited codebase**](https://docs.morpho.org/get-started/resources/audits/?utm_source=chatgpt.com)**:** Morpho publishes a list of security reviews/audits for key components (including reviews by firms such as OpenZeppelin and Spearbit across different Morpho modules).
> * **Vault risk controls:** The [MetaMorpho vault](https://github.com/morpho-org/metamorpho?utm_source=chatgpt.com) design includes role separation and market-level controls like supply caps to limit exposure per market.
**Why Gauntlet strengthens the APY setup**\
[Gauntlet](https://www.gauntlet.xyz/) is a well-known DeFi risk management and research firm and is active in the Morpho ecosystem as a **risk-first vault curator**, focusing on vault composition, market selection, allocation, caps, and ongoing monitoring.
In practice, this means COCA can rely on:
* **Curated allocations** rather than “dump everything into one market”
* **Risk limits and rebalancing** designed to target better risk-adjusted returns
* **A methodology that prioritizes risk management**, not just "Higher APY"
COCA security is designed so you keep control of your funds while still enjoying a bank-simple experience.
***
No financial product is “risk-free” – not banks, not stablecoins, not COCA. We designed COCA in a way you get **strong control, clear transparency, and layered security**.
# What is COCA’s roadmap for 2026?
This roadmap shows our current plans, but it’s not final. We’ll keep listening to our users and community to improve the product and the overall experience.
### Self-Banking | Q1-Q2 2026 ✅
COCA is built so your money stays yours.
In 2026, we complete the shift to a model where you control your funds directly, while COCA provides the app, card, support, and protections you expect from a bank. This update will include:
* Bank accounts (IBAN)
* Bank deposits & transfers (SEPA)
* Instant APY on Banking balance
* Full ownership over the funds
### More Banking features | Q2 2026
We want to make your COCA experience even better:
* Exchange between EUR >< USD accounts
* Buy/Sell $COCA from Banking Balance
* USD IBAN is available
* More blockchains & assets to top up Banking Balance
### COCA available in USA | Q2 2026
COCA plans to launch for users in the United States to offer the same secure, user-controlled experience to U.S. users as in other regions.
### Fix price for the Tiers | Q2 2026
Each tier will have a fixed USD/EUR value requirement. COCA tokens are still required, but you won’t have to worry about price fluctuations changing the tier rules.
### 24/7 Chat Support powered by AI | Q2 2026
Get instant help anytime, day or night. Our AI-powered chat can assist with payments, cards, limits, and common questions, with human support always available when needed.
### Card-to-Card payments | Q2 2026
Get money directly to your COCA card. Send money to the card of friends and relatives.
### All-in-One travel experience | Q2-Q3 2026
Book hotels and buy tickets seamlessly – all inside the COCA app.
### eSIM | Q3 2026
Stay connected worldwide with COCA eSIM. Buy and manage mobile data directly from COCA, wherever you are.
### More utility for COCA Token | Q3-Q4 2026
The COCA token will unlock more everyday benefits and new features.
# Overview
Money is only useful if you can actually use it. COCA is built around that simple idea: **top up your Banking Account, pay at 150M+ merchants worldwide and get rewarded**.
### Spend your money everywhere
COCA gives you both **a virtual and a physical card**, designed for everyday spending—coffee, groceries, Uber, online shopping, rent-related payments, and subscriptions.
Add your COCA card to **Apple Pay or Google Pay** and pay anywhere cards are accepted.
### Easy ways to top up your Banking Account
Adding money to COCA is simple. Choose the option that feels most familiar to you.
**Bank transfer (IBAN / SEPA)**\
Get your own IBAN and send money to COCA just like you would with a regular bank account. Transfer EUR (SEPA) or USD, and your money is ready to spend.
**Card top up**\
Add money instantly using your debit or credit card from another bank. It’s fast, easy, and works the way you expect.
**Stablecoins** \
You can also top up COCA with supported stablecoins on multiple blockchains directly to the Banking Account you control.
### **Global Access**
* You can order the card with a passport from almost any country, including those in the EEA, CIS, US, UK, Latin America, Asia-Pacific, MENA regions, and more.
* Card availability depends on your residence in one of the 54 supported countries, which include:
* **EEA countries:** Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
* **Other Europe Countries:** Andorra, Gibraltar, Monaco, Montenegro, Switzerland, United Kingdom.
* **Asia-Pacific:** Australia, Hong Kong, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam.
* **Latin America:** Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru.
### **Top-Tier Security**
* COCA cards are PCI DSS and ISO compliant, ensuring top-tier security.
* 3D Secure is available for added protection.
* You can also freeze your card to protect yourself against unauthorized transactions.
### Fees
* Zero FX Fees on Direct Pairs
* Zero Annual Fees
* Zero Issue Fees
* Zero ATM Withdrawals Fees Globally Up to $200
# COCA Card
The COCA Card is a modern debit card, making it easy to spend your money in everyday situations. You receive both a **virtual card** and a **physical card**, so you can pay online, in apps, and in stores without limitations.
Use your COCA Card for daily purchases such as coffee, groceries, transportation, online shopping, rent-related payments, and subscriptions. The card is accepted anywhere standard card payments are supported.
Add your COCA Card to **Apple Pay** and **Google Pay**. Pay quickly and securely in-store or online using your phone or other compatible devices.
{% hint style="info" %}
COCA Virtual Card is free for all tiers. Plastic card is 5$ for Starter, Standard & Standard+ and is free for Premium, Premium+ & Elite users.
{% endhint %}
### Purchase Limits
| Monthly |
| Max cash withdrawal amount per day | 850 EUR | Daily |
| Max cash withdrawal amount per month | 5,000 EUR | Monthly |
| Max cash withdrawal count per day | 5 transactions | Daily |
# IBAN
Your COCA account includes a **personal IBAN** (International Bank Account Number), giving you the experience of a regular bank account without complexity.
You can **send and receive money via SEPA bank transfers in EUR**, and USD transfers where available. This means you can move money to COCA from your existing bank, get paid by others, or use COCA as your primary account for everyday transfers.
Once funds arrive in your IBAN, they are immediately available to spend with your COCA Card or through digital wallets.
### Get your salary paid to COCA
You can use your Banking Account in COCA to receive your **salary or regular income**, just like with a traditional bank account.
Simply share your COCA IBAN with your employer or payroll provider, and your salary will be paid directly into your COCA account via SEPA transfer. There’s no special setup required and no difference from how salaries are paid to any standard bank account.
Once your salary arrives, the funds are immediately available. You can spend them with your COCA Card, use Apple Pay or Google Pay, or keep them in your account to earn Spendable APY.
# Overview
With COCA you don’t need to become “crypto expert” if you just want to buy a few well-known coins, keep them somewhere safe, and check in once in a while. That’s exactly what the COCA **Crypto Account** is for.
### Buy popular coins, keep them simple
The Crypto Account is the part of COCA where you can:
* **Buy popular coins** (the ones people actually search for, such as Bitcoin, Ethereum, Solana and others.)
* **Hold them long-term** without juggling apps
Enjoy a clean and simple interface, like you would in a banking app.
### Made for holding, not hype
This isn’t built for day trading or chasing meme coins at 2am.\
It’s built for those who want a calm, straightforward place to hold crypto alongside their everyday COCA account.
### Your coins are designed to be yours
Crypto account belongs to you and is under your control:
* Your funds are meant to live **in your own wallet**, not in a COCA-owned pool
* COCA is the app that makes it easy to use, but ownership stays with you
So it feels like a bank, but behaves more like cash: **it’s yours**.
Learn more: [Is COCA Safe?](/coca/the-bank-we-all-deserve/is-coca-safe)
### Receive, Send, Buy & Swap – all in one place
* **Receive assets from other Wallet/Exchange** – fund your COCA crypto wallet from external wallets or exchanges effortlessly. Select an asset, copy your address, or share it. For convenience, request a specific amount and track its status in real-time.
* **Send coins simply** – easily send crypto to external wallets or exchanges. Just select the asset, input the recipient address or choose from your contacts, confirm the amount, and track your transaction in the Activity.
* **Top up your COCA Card** – feel free to send the coins from your Crypto to Banking Account and vice versa in a few clicks.
### One app, one money story
Your **Banking Account** is for spending and everyday banking.\
Your **Crypto Account** is for buying and holding popular coins.
Same app. Same clean experience. No need to bounce between a bank, an exchange, and a wallet just to get started.
# Buy Crypto
Buy Crypto with Zero COCA Fees – purchase crypto in **150+ countries**, including all 50 US states and DC, with support for 55+ crypto assets (and counting).
Pay with major fiat currencies like USD, EUR, GBP, or 39 others. Supported payment methods include:
* **Global**: Visa, Mastercard, Apple Pay.
* **Region-Specific**: "Easy Bank" and manual bank transfers (UK, Switzerland, Monaco, EEA), and Pix (Brazil).
# Exchange assets
Swap assets with Zero COCA Fees – exchange one crypto asset for another (even across blockchains) without incurring fees.
Swap over 350 tokens across 12 blockchains, plus manually added tokens. Unlike others like MetaMask (1.5% fee) or Uniswap (1.1%), COCA offers significant savings: e.g., $1,500 saved on every $100,000 worth Bitcoin swap.
# Membership you deserve
COCA tiers are meant to feel like a **membership**. You pick the level that fits your life, and COCA simply pays you back more for using it.
Each tier improves four things people care about: **cashback**, **APY on your balance**, **subscription rebates**, and **perks/support**.
| Tier | $COCA Staked | Cashback | Card Balance APY | Subscriptions included | Support |
| ------------- | ------------ | ------------------------------- | ----------------------------------- | ---------------------- | -------- |
| **Starter** | 0 | 1% unlimited | Up to 5% on first $5,000, then 2% | 0 | Basic |
| **Standard** | 300 | 3% on first $1,000/mo, then 1% | Up to 5% on first $50,000, then 2% | 1 | Basic |
| **Standard+** | 1,000 | 4% on first $1,750/mo, then 1% | Up to 5% on first $250,000, then 2% | 2 | Basic |
| **Premium** | 3,000 | 5% on first $2,500/mo, then 1% | Up to 5% on first $500,000, then 2% | 2 | Priority |
| **Premium+** | 10,000 | 6% on first $5,000/mo, then 1% | Up to 5% unlimited | 3 | Priority |
| **Elite** | 30,000 | 8% on first $10,000/mo, then 1% | Up to 5% unlimited | 4 | Priority |
{% hint style="info" %}
Check eligible services for 50% rebates: [**50%-off subscriptions**](/coca/membership-and-rewards/50-off-subscriptions)
{% endhint %}
#### **Starter. Try COCA, feel the difference**
No commitment, no staking. Just start using COCA and get rewarded from day one. Starter is perfect if you want to test COCA as your daily card without thinking too hard.
#### **Standard & Plus. Everyday rewards that add up**
Standard & Standard+ is where COCA starts feeling like a cheat code: higher cashback on your core monthly spending, plus a much bigger APY sweet spot. This tier is built for people who want solid rewards without going “all in”.
#### **Premium & Plus. COCA as your main money app**
Premium & Premium+ is for users who keep meaningful balances, spend consistently, and want premium perks without complexity. Premium is the “I’m actually using this” tier – bigger earning potential and less friction.
#### **Elite. Maximum rewards**
Elite is for people who want the best COCA can offer: top cashback, top APY, and the full subscription bundle. Elite is built for high-usage users who want rewards that feel like a real advantage, month after month.
#### **How to think about tiers?**
If you mostly want a great card → **Starter / Standard /** **Standard+**.\
If you want COCA as your main account + serious rewards → **Premium / Premium+ / Elite**.
#### **Cancel anytime**
You can cancel the current tier any time.
During the a 30-day cooldown period starts you **keep your tier benefits**. After cooldown you drop back to **Starter** tier and return your locked COCA to your Crypto Account.
# 8% Cashback
### How COCA cashback works?
When you pay with your COCA card – online or in-store – COCA tracks the purchase and calculates your cashback based on your **membership tier**.
No points. Real money. No confusing redemption process. You don’t need to pre-select categories or activate offers. You just pay as usual, and cashback is added automatically.
Cashback is designed to feel like:
* **instant** (you see it tracked)
* **monthly simplicity** (it settles each month)
### Tier-based cashback
COCA cashback is tied to your tier, so you can choose how more you want to get.
Here’s the simple story:
* **Starter:** 1% unlimited
* **Standard:** 3% on your first $1,000/month, then 1% unlimited
* **Standard+:** 4% on your first $1,750/month, then 1% unlimited
* **Premium:** 5% on your first $2,500/month, then 1% unlimited
* **Premium+:** 6% on your first $5,000/month, then 1% unlimited
* **Elite:** 8% on your first $10,000/month, then 1% unlimited
#### Subscription cashback. The one people love 😍
Subscriptions are the easiest money leak in modern life. They’re small, recurring, and they add up. COCA flips the script by offering **50% cashback on subscriptions**, covering popular services like Streaming, AI Assistants, Music, Market Places.
Depending on your tier, you’ll see which subscriptions you qualify for. Learn more: [**50%-off subscriptions**](/coca/membership-and-rewards/50-off-subscriptions)
The experience is meant to be simple:
> Pay your subscription normally with your COCA card → COCA rebates half.
### Why COCA can offer high cashback?
Banks usually keep most of the value in the card payment flow. COCA is built different.
COCA’s infrastructure and operating model are designed to be more efficient than traditional banking, which creates more room to reward users instead of absorbing value in overhead.
Learn more: [Why are rewards so high?](/coca/the-bank-we-all-deserve/why-are-rewards-so-high)
### The mindset: don’t “spend more,” just “earn more”
COCA isn’t trying to push you into spending. It’s trying to make the money you already spend – work harder.
The best COCA users don’t change their behavior much. They just:
* make COCA their default card
* route subscriptions through COCA
* choose a tier that fits their spending and balance
And then they get paid back for it.
***
Cashback is the easiest way to experience what COCA is about:
**Bank-simple payments + real rewards**
You live your life. You tap your card. COCA does the rest.
# 50%-off subscriptions
COCA helps you save on the subscriptions you already use. Depending on your tier, you can get **50% cashback on selected subscriptions**, applied automatically when you pay with your COCA Card.
Each tier includes a set number of subscriptions eligible for cashback. You simply choose which subscriptions you want to apply the benefit to, and COCA takes care of the rest.
Eligible subscriptions are grouped into familiar categories such as **Streaming**, **AI Assistants**, **Music**, and **Marketplaces**. As you move up tiers, you unlock more categories and can apply the benefit to more subscriptions.
There’s no need to change how you pay or manage your subscriptions. Just use your COCA Card, and **50% of the subscription cost is returned to you** according to your tier limits.
This benefit is designed to make everyday digital services more affordable, without adding complexity.
Tier
No. of Subscription
Categories
Starter
0
None
Standard
1
Streaming
Standard+
2
Streaming, AI Assistants
Premium
2
Streaming, AI Assistants
Premium+
3
Streaming, AI Assistants, Music
Elite
4
Streaming, AI Assistants, Music, Market Places
You may receive 50% cashback on one (1) subscription per category, up to the maximum number of categories permitted by the tier.
### Categories
**Streaming:** Netflix, Disney+, Paramount+, YouTube\
**AI Assistants:** ChatGPT, Claude AI, Perplexity, Midjourney, Cursor\
**Music:** Spotify\
**Market Places:** Amazon Prime, Mercado Libre, Meli+
# 5% Balance APY
Most other banks make you choose: **either your money works, or your money is available.**\
COCA’s Banking Account is built to remove that trade-off.
With COCA, your balance can earn **APY while staying fully usable –** meaning you can still pay with your card, withdraw, or move funds whenever you want.
No staking. No lockups. No “come back in 30 days.”
### What “Balance APY” means at COCA?
Balance APY (Annual Percentage Yield) is simply **interest on your Banking Account balance**.
If you keep money in COCA for daily life – salary, savings, travel budget, emergency buffer – COCA is designed to **pay you for holding it**, not just for spending it.
You’ll see:
* your current APY
* how much you’ve earned
* and how it’s calculated
### The most important part: your money stays available
This is the feature. Even while earning APY, your money remains:
* **spendable** – card payments work normally
* **withdrawable** – move it out when you want
* **flexible** – top up, transfer, or convert without being “locked”
So you’re not putting your life on hold to earn yield. Your balance stays your balance.
### Why this is different from 'earning' products?
A lot of apps advertise high APY, but it’s actually a lockup with rules:
* funds can’t be used while earning
* withdrawals take time
* rates change after you lock
* you lose flexibility exactly when you need it most
COCA’s Money Account APY is meant to feel like a real financial product:
> “My money earns by default, and I can still use it whenever I need.”
### Who it’s for?
Balance APY is perfect if you:
* keep a monthly buffer for bills and expenses
* travel and want your travel balance working in the background
* hold EUR/USD in COCA and want a reason to keep it there
* hate lockups but still want yield
It’s “earn mode” for normal people.
***
Earn on your Banking Account balance, and keep it available for real life – always.
# Token designed to work
COCA token is like a **membership key** which does give you utility inside the COCA ecosystem. It is built around a simple idea:
> People should buy and hold a token because it’s useful – not because they’re trying to flip it.
That’s what we mean by **“Only Up!” tokenomics** introduced in August 2025 which started a new era for COCA token.
Not a price promise. Not a meme. A philosophy: design the token so the natural, default behavior is locking it for real benefits. This reduces short-term sell pressure and aligns the community around long-term usage.
{% hint style="warning" %}
To further commit to follow the “Only Up!” philosophy, **COCA freezes all new token distributions till December 1, 2026** with an opportunity to introduce additional locks based on voting.
Learn more: [No new tokens until Dec 1, 2026](/coca/only-up-tokenomics/no-new-tokens-until-dec-1-2026)
{% endhint %}
### Why “Only Up!” is different?
Most token models have a built-in problem:
* tokens get distributed
* incentives encourage people to earn them
* and then those tokens get sold because there’s nothing meaningful to do with them besides sell.
COCA aims to invert that. With COCA, the token’s primary purpose is **utility that gets better when you commit**:
* Want higher cashback?
* Want better balance APY caps?
* Want subscription rebates?
* Want stronger support and perks?
* Want a bigger voice in decisions?
You don’t 'farm' your way there. You **lock COCA** to access your tier and keep it as long as you want the benefits.
That’s the “Only Up!” mindset:
> **Use → Commit → Unlock → Stay.**
### Why staking exists?
In COCA, staking is meant to be closer to:
> **“Lock tokens to hold a membership level.”**
You’re not lending your tokens out for yield. You’re simply committing them to your tier so the system can reward long-term users more than short-term “drive-by” users.
### Utility by design. Value by use
COCA is designed first and foremost as a **utility token**. Its primary purpose is functional: users lock COCA to unlock tiers, access features, and participate in governance.
At the same time, we are realistic about how ecosystems grow. Many participants will naturally view COCA as a **long-term value position** – a way to gain exposure to an ecosystem they believe in and want to be part of over time.
COCA is built so that its utility stands on its own, even if you ignore the price chart.\
But as the adoption increases and real usage expands, long-term value increase becomes a natural outcome of genuine utility. That’s the “Only Up!” philosophy in practice:
> The token’s main job is utility – and that utility can create long-term holding behavior.
**Important:** COCA is not promising price growth, and this isn’t financial advice. Token prices can go up or down, and you should only buy COCA if you want its **membership + voting utility** and understand the risks.
# Address & Details
With a total supply capped at 1 billion tokens, $COCA token is designed to reward users, and facilitate operations within the wallet.
* Token Ticker: COCA
* Token Type: ERC-20
* Chain: Polygon POS, Base
* Decimals: 18
* Total Supply (Fixed): 1,000,000,000
* Current Circulating Supply (December 2025): 113,500,000
* Contracts:\
Polygon: 0x7B12598E3616261df1C05EC28De0d2fB10c1F206\
Base: 0x959fC04DBf97A27073F89237cd62605F4d1b906D
* Explorers: \
Polygon: \
Base:
# Token allocations
The OnlyUp! tokenomics is designed to create a balanced, transparent, and sustainable ecosystem that supports long-term growth while protecting COCA users.
Token allocation is carefully structured across core areas ensuring that every part of the ecosystem maintains stability, reduce the risk of sudden market disruptions, and ensures that the token plays a meaningful role in supporting innovation, COCA development, and ecosystem growth.
1. **Treasury – 27%**\
Supports long-term ecosystem growth, incentives, grants, marketing, operations, and strategic initiatives. Ensures sustainability and adaptability over time.\ Address: 0x446e4909Cd1A659C50724952404Dcb2898d90294\ Address: 0x90F301cF754FbaFe1EC8D8B184eAd3c4FB722684
2. **Team – 20%**\
Reserved for core contributors, founders, and long-term builders.\
A 48-month cliff ensures strong alignment and zero early sell pressure.\ Address: 0x5785411f41C5382E2bca5561a9A900437937f30f\ Address: 0xcCe2340c7fD6EAE48c9b43a058F2650d95B39f23
3. **Partnerships – 15%**\
Used to onboard strategic partners, enterprise integrations, and ecosystem collaborations that accelerate adoption and utility.\ Address: 0x836fA0348F169a916299377f3108b136637B9667\ Address: 0xFc42BDfEbdFffd047E1bc74eAfbD172D445dd028
4. **Liquidity – 15%**\
Provides sustained market liquidity across exchanges, facilitating user tier advancement and ensuring smooth, efficient trading.\ Address: 0x4a42ED22870fc403A50F6e1C67026783697AE042\ Address: 0xC74b46622Bf1Bb40322997761d9dd89B78516Ab4
5. **R\&D – 13%**\
Funds ongoing blockchain payment infrastructure development, security, audits, upgrades, and new product innovation to ensure long-term technical excellence.\ Address: 0xEE96bEd3f7Bfd67d7c39AF731d813277d3A61F86\ Address: 0xF3EbD9CfAd28FA2D319CEF8CF423AE15Fd70205A
6. **AI Layer – 10%**\
Dedicated to building and advancing the AI-powered features of the ecosystem, including personal portfolio manager, investment advisory and predictive systems.\ Address: 0x22eE38aA93611b5933A5279F0C9B4060124aD03f\ Address: 0x47f128AFEcb420792F81497543a5a05d52E1Ef8E
***
### Cliff/Vesting Schedule
Type
Allocation
Quantity
Unlocked
Lock-up
Vesting
Treasury
27.00%
270,000,000
13,500,000
24
72
Team
20.00%
200,000,000
0
48
72
Partnerships
15.00%
150,000,000
0
36
48
Liquidity
15.00%
150,000,000
100,000,000
24
36
R&D
13.00%
130,000,000
0
36
72
AI Layer
10.00%
100,000,000
0
24
72
# No new tokens until Dec 1, 2026
## Emission paused until Dec 1, 2026
To reinforce the “Only Up!” philosophy, COCA **pause all new token distributions** until **December 1, 2026**.
COCA will not launch new programs that put additional COCA tokens into circulation during that period. The goal is to keep token supply changes predictable and avoid adding extra selling pressure while the product and ecosystem continue to grow.
COCA can add extra lockups later. Any change like that would be decided by a community vote, not by the team alone.
## Industry-Leading Long-Term Commitment
COCA implements **one of the longest and most conservative token lock-up structures** in the market**.** Core allocations are locked for multiple years and vested over up to **six years**, far exceeding standard industry timelines.
**The team receives no tokens at launch** and cannot completely benefit from their allocation for **10 years** (vesting ends in December 2034), ensuring that value creation, not speculation, is the only path to reward.
**This long-term locking model is a deliberate choice:** to protect holders, strengthen trust, and signal that COCA is not built for hype cycles – but for sustained growth and real adoption.