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've used Coca for about a year and I'm overall happy. The product has evolved a lot and I like that I can use my stablecoins, EUR and USD from one app. It makes managing my money very simple, and also more private as it's non-custodial. I especially enjoy the rewards like cashback and interest on balance, as it makes my money go longer. Would recomend it.

I want to be very clear about this since Coca aren't: you cannot spend the crypto in your coca wallet with the Coca debit card. they are two completely separate parts of the product. that being the case, I do not see the niche that Coca wallet and card is supposed to fill. further more, when I contacted Coca support, they took two whole days to respond. there are plenty of other products out there, such as Coinbase, Binance, Nexo, etc that do provide a debit card where you can spend your crypto

⚠️ WARNING: Avoid this app! I withdrew 127 USDC, and the transaction was successfully completed on the blockchain, but the app has still not credited my funds. I’ve contacted their support and submitted complaints, but I’m not getting a proper response. My 127 USDC is currently being held, and this experience has been extremely frustrating. If you’re considering using this app, please be very careful and do your own research before depositing any money. I hope they resolve my issue and return

What’s new

Bug fixes and stability improvements.