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.