Visa
COCA
5.7/10Overall Score
Card Mode
--
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $5
02Spending & Conversion
- Base Transaction Fee
- 0%
- ATM WithdrawalATM WithdrawalThe first $250 is free, then the rate is 2%
- 2%
03Rewards
- CashbackCashbackUp to 8%
- 1%
Team & Investors
Team 2
Vasili PaulauCEO
Max HolubCPO
Recent News
Card Guide
Overview
COCA is a non-custodial wallet that replaces seed phrases with MPC key shares; its card is issued in partnership with Wirex and works at Visa merchants in more than 100 countries. Wallet and card share one balance: spending converts onchain assets to fiat at the point of sale, and assets stay with the user until then. Beyond cashback, COCA folds subscription discounts and balance yield into one membership ladder set by the amount of $COCA staked.
| Item | Details |
|---|---|
| Formats: | virtual and physical cards with Apple Pay and Google Pay support. |
| Tiers: | Starter, Standard, Standard+, Premium, Premium+ and Elite, set by the amount of $COCA staked. |
| Assets: | USDT, USDC, EURC and EURS across Ethereum, BNB Chain, Avalanche, Polygon, Arbitrum, Solana, Tron and Base. |
| Use cases: | everyday spending, subscriptions, cross-border payments and euro transfers, with a personal EUR IBAN and SEPA support. |
Benefits
| Item | Details |
|---|---|
| Cashback: | from 1% up to 8%, always paid in USDC or EURC rather than a platform token. |
| Tier ladder: | the rate rises with the amount of $COCA staked, from Starter to the 8% ceiling at Elite. |
| Subscription cashback: | 50% back on video, AI, music and marketplace subscriptions such as Netflix and Spotify, capped at USD 70 per service per month. |
| Balance yield: | 5% a year on card balances, capped per tier (first USD 5,000 on Starter, 50,000 on Standard, 250,000 on Standard+, 500,000 on Premium, uncapped on Premium+ and Elite) and 2% above the cap. |
| Travel: | hotel booking discounts of up to 65%. |
| Tier upkeep: | downgrades carry a 30-day grace period, and staked tokens are locked for the length of the membership. |
Fees
| Item | Details |
|---|---|
| Issuance: | USD 5 on Starter, Standard and Standard+; free on Premium, Premium+ and Elite. |
| Monthly and inactivity fees: | none. |
| Spending: | 0 transaction fee, with no FX fee on direct USD and EUR account pairs. |
| Funding: | no minimum for a virtual card; a physical card needs an initial top-up of about EUR 50 to cover issuance and delivery, and the remainder is spendable. |
| Replacement: | USD 5 on Starter, Standard and Standard+, free on higher tiers. |
| Account closure: | no charge. |
| ATM: | the first USD 200 withdrawn each month is free, with network and operator rates above that. |
Availability
| Item | Details |
|---|---|
| Europe (41): | Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine and the United Kingdom. |
| Asia-Pacific and Middle East (20): | Australia, Azerbaijan, Georgia, Hong Kong, Israel, Japan, Kazakhstan, Macao, Malaysia, New Zealand, Oman, Philippines, Saudi Arabia, South Korea, Taiwan, Thailand, Turkey, UAE, Uzbekistan and Vietnam. |
| Africa and South America (14): | Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama and Peru. |
| Onboarding: | apply with country of residence rather than citizenship, with document and proof of address checks that usually clear within 20 minutes. |
| Spending limit: | EUR 30,000 a month. |
| Not supported: | the United States, Canada and sanctioned jurisdictions. |