COCA: Crypto Card & Wallet

CCA LABS

About this app

COCA is a next-gen self-banking app powered by stablecoins that lets you use crypto like cash — buy, spend, grow, and manage your digital assets securely and effortlessly.

Here is what you can expect...

Your free EUR bank account

• Open a free EUR account in minutes
• Get paid directly — receive your salary straight into COCA
• Send and receive EUR via SEPA across Europe
• Pay bills, transfer funds, or move money globally in seconds
• One balance for spending — use it everywhere with your COCA card

Spend Crypto. Earn Cashback.

• Spend your stablecoins with COCA debit card at 50M+ merchants worldwide - online or in-store
• No maintenance fees
• Free ATM withdrawals up to $250/month
• Earn up to 8% cashback on all purchases
• Get 50% cashback on Netflix, Amazon Prime, Chat GPT and Spotify
• Enjoy up to 50% discounts on hotel bookings

Grow Your Digital Assets

• 6% passive income on your card balance
• No lockups, no hidden fees - funds stay liquid and accessible
• Earn rewards with card usage, referrals, and ongoing promotions

Swap for Free. Buy at the Best Rates

• Zero fees on swaps. Swap assets across 15+ blockchains
• Buy crypto using 182 local payment methods
• Access the best prices via COCA’s smart routing engine

Non-Custodial Wallet. Bulletproof Security.

• Non-custodial wallet - you control your crypto
• Built with MPC security - eliminates risks tied to private keys and seed phrases
• Anonymous biometric recovery ensures access even if you lose your device
• Your assets are always recoverable
• Zero compromises: COCA has never been hacked

Get Started in Minutes

Create your account in minutes. Deposit crypto, buy with your card, or fund your account via Bank transfer — then start spending, earning, and growing with up to 5% APY right away.

Your money. Your control. Anywhere.

Ratings and reviews

I have been using COCA for 6 months now and at first everything seemed fine. Then I realised that they systematically fail to credit back refunds to my account. A 117 USD transaction was cancelled by merchant that showed up the same way as completed transactions and also as "failed" in COCA. The refund never showed up. Customer service simply abandoned the case without a resolution.Now I even see that after the migration to 3.0 dozens of transactions have vanished ..too bad for a banking app

This app is still pretty new and I was skeptical at it at first but its features are surprisingly good. Smooth cash-ins and cash-outs. The virtual card works well for payments with cashback. I see a potential on this app and I recommend everyone to give this a try.

COCA Wallet is honestly my current favourite fintech app. It looks sharp, feels modern, and is very easy to use. I really enjoy using it and I honestly think it deserves 5 stars.

What’s new

Minor bug fixes.