# 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.&#x20;

### 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.


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