# 6% 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.