Why it stands out
- Supported stablecoins, personal bank details and card access sit in one COCA app.
- Physical, virtual, Apple Pay and Google Pay access are modeled.
Stablecoin account + Visa card
A self-controlled card account combining supported stablecoin funding, personal IBAN receive, card spend and six reward tiers. Starter needs no staking; higher cashback requires staked COCA and a 30-day cooldown when leaving a tier.
Complete supported-country allowlist: 75 supported country records; EUR Banking Account: 28 listed countries.
Less suited to Users who do not want COCA staking rules or need every funding fee resolved before signup.
Why it stands out
01 · Core economics
COCA is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
Main trade-offs
02 · Plans & rewards
Cashback applies to eligible card purchases and is normally credited by the 10th of the following month. Use the arrows to view all six tiers, including staking, cashback allowance, subscription rebate, support and physical-card terms.
Lowest approved purchase reward rate
Conditional — not the automatic rate
Stablecoins such as USDC or EURC cashback
Highest approved tier cap
Virtual/plastic debit card
Virtual/plastic debit card
Virtual/plastic debit card
03 · Everyday use
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
04 · Money in and out
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
1 route
Credited into a self-controlled USD/EUR banking balance after supported stablecoin funding
05 · Balance yield
The eligible balance can earn variable APY while remaining available for card spend and transfers. It does not require a separate Earn deposit, and neither return nor principal is guaranteed.
~5% APY
06 · Trust and eligibility
Eligibility, identity checks and provider responsibilities are kept separate.
Identity verification is required to access card services.
The complete card and rewards country list is shown below. EUR Banking Account eligibility is narrower at 28 listed countries.
Only concrete responsibilities and identified organisations are shown.
Public-facing product and account experience; legal operators are listed separately when confirmed.
Retains control of funds until payment.
Self-custodyOperates the applicable card programme.
07 · Methodology
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
Higher is better
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Self-custody; funds remain user-controlled before payment.
1% base cashback and up to 8%; higher rates depend on complex conditions, paid in USDC/EURC.
08 · Evidence
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Help keep this page accurate
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.
COCA stake amounts are shown in tokens because their USD value moves with the market. Current COCA price: $1.43 CoinGecko
BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana, Tron, Stellar, Base
Via connected wallet
USDT: Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana +1 · USDC: Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Stellar, Base, Near +2 · EURC: Ethereum · EURS: Ethereum, Polygon
Supported asset and network combinations
Receive fee not publicly confirmed
Deposit limits not publicly confirmed
wallet
COCA v3.0 normalizes funded stablecoins into spendable self-controlled banking balances; the app selector remains the final source for current networks.
1 route
EUR bank accounts limited to selected v3.0+ European residents
Via connected wallet
EUR bank accounts limited to selected v3.0+ European residents
COCA docs do not disclose an inbound bank-transfer fee; sending bank fees may apply
Supported stablecoins settle into self-controlled USD or EUR Banking balances used for card spend; the separate Crypto Account remains under wallet control.
Supported stablecoins are credited to the self-controlled USD or EUR Banking balance. Other crypto assets remain in the separate Crypto Account until the user moves them.
1 route
Crypto sends/swaps are separate from card cashback and from bank-transfer rails; unsupported asset or network transfers can be lost.
BTC, ETH, SOL, Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana, Tron, Stellar, Base
Via connected wallet
USDT: Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana +1 · USDC: Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Stellar, Base, Near +2 · EURC: Ethereum · EURS: Ethereum, Polygon
Supported in-app assets and networks
wallet
Crypto sends/swaps are separate from card cashback and from bank-transfer rails; unsupported asset or network transfers can be lost.
1 route
Bank-account eligibility is narrower than card/rewards country availability, and sender/recipient identity checks can apply.
Via connected wallet
Personal EUR IBAN / bank-transfer countries where COCA Banking Account is available
Shown in app; public docs do not disclose complete outbound fee table
Bank-account eligibility is narrower than card/rewards country availability, and sender/recipient identity checks can apply.
1 route
Uses the linked balance or wallet arrangement for card payments.
Near, Aurora, Solana, Tron, Stellar, Base
Via connected wallet
USDT: Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana +1 · USDC: Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Stellar, Base, Near +2 · EURC: Ethereum · EURS: Ethereum, Polygon
COCA USD/EUR banking balance funded by IBAN, stablecoins or internal crypto-to-banking transfer