> For the complete documentation index, see [llms.txt](https://docs.coca.xyz/coca/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coca.xyz/coca/the-bank-we-all-deserve/what-is-cocas-roadmap-for-2026-2027.md).

# What is COCA’s roadmap for 2026-2027?

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.

### Q1 2026 ✅

* Physical COCA Cards
* New tiers: Standard+ and Premium+
* Apple Pay support
* Switch to Privy wallet infrastructure

### Q2 2026 ✅

* COCA 3.0\
  \- Self-custody and full ownership over the funds\
  \- EUR bank account with a personal IBAN (SEPA)\
  \- Instant APY on Banking balance\
  \- Redesigned interface
* Card-to-card transfers
* Account & card statements
* Proof of ownership for accounts and cards

### Q3 2026 ✅

* Top up from an external bank card
* Buy/Sell $COCA in the app
* More networks for stablecoin deposits, with a persistent address on every chain
* Private key export
* COCA ID: send money to other COCA users by nickname, instantly and for free
* Exchange between EUR >< USD accounts
* Updated Loyalty Program

### Q4 2026

* Claim Capacity boosters: Payment, Loyalty and $COCA Staking ✅
* Support tickets in the app ✅
* Refunds in your Activity
* Direct USDC deposits via Base, with zero fees and a 1:1 conversion rate
* A clearer look for Claim Capacity boosters

### Q1-Q2 2027

* APY on your EUR balance
* USD bank account details (ACH)
* All-in-One travel experience: book hotels and buy tickets seamlessly, all inside the COCA app
* eSIM: buy and manage mobile data directly from COCA, wherever you are
* More utility for COCA Token: more everyday benefits and new features
* 24/7 Chat Support powered by AI, with human support always available when needed

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