Intro & Key Highlights of 2025

2025 became an important year for COCA.

Not because of a single big launch or a loud campaign, but because of consistent, careful work on the product, infrastructure, and the overall user experience.

Over the year, COCA grew from a crypto wallet into a stablecoin banking ecosystem built for everyday life — payments, cards, and real-world use. The app became faster, more reliable, and simply easier to use for daily finances.

This progress translated into steady and confident growth across key metrics:

• New users grew by an average of 79.6% per quarter

• Card payment volume grew by an average of 248% per quarter

• The number of $COCA token holders reached 34k+ by year-end

• Achieved a $3.2M run rate revenue by year-end

• The $COCA token increased in value by 198% over the course of 2025

These numbers tell a simple story: COCA wasn’t just growing. It was becoming part of users’ everyday financial routines.

Below are the key areas where COCA made the most progress throughout 2025.

🏦 Product & Development

In 2025, COCA moved forward at a steady and predictable pace. Over the course of the year, the team delivered 40 releases, including 26 mobile app updates, continuously expanding functionality and improving the overall user experience.

The most important milestone was the launch of COCA 2.0 and a strategic shift from a crypto wallet to stablecoin banking built for everyday payments. The refreshed interface and more banking-oriented UX simplified core user flows and laid the foundation for long-term scaling.

For the first time in COCA’s history, 2025 also introduced a full rewards and loyalty ecosystem. This included cashback, a tier-based loyalty program, and $COCA token staking, allowing users to earn 6% APY on card balances for all tier levels. To make everything easy to manage, the Rewards section was added to the app, bringing cashback, staking yields, referral rewards, and additional bonuses into one clear view.

Throughout the year, COCA also expanded its payment and blockchain infrastructure. Support for Solana tokens was added, along with new assets for card top-ups, including NEAR, Aurora, Solana, and Tron. Through the integration with Stellar, users gained access to EURC and USDC on the Stellar network, as well as free wallet activation, making it easier to get started without extra steps or costs.

Everyday usability continued to improve with the introduction of real-time push notifications for card transactions, in-app payment confirmations (3DS), and Google Pay support. On the technical side, upgrading the React version strengthened security, stability, and overall performance.

By the end of 2025, COCA had reached a new level of product maturity – evolving into a payment ecosystem that combines Web3 infrastructure with the simplicity and convenience users expect from modern banking.

📈 Marketing & User Growth

In 2025, COCA’s marketing efforts were focused on sustainable growth and deeper user engagement, closely aligned with product development and real-world usage.

One of the standout moments of the year was a $10 million airdrop, supported by zero-fee swap campaigns and a surprise retrodrop for all COCA wallet holders. These initiatives helped attract new users while re-engaging the existing community.

A strong emphasis was also placed on encouraging everyday payments. The GPay Bonanza campaign rewarded users for paying with Google Pay, while additional offers included up to 30% discounts on Loyalty Tiers, 10% APY, and +2% boosted cashback in key categories such as Travel, Marketplaces, and Food Delivery.

Referral mechanics played an important role as well. The Refer-a-Friend campaign became a key source of organic growth, turning active users into natural advocates for the product.

🤝 Partnerships & Ecosystem Development

In 2025, COCA significantly strengthened its position within the Web3 ecosystem through strategic partnerships focused on infrastructure growth, product accessibility, and expanding real-world use cases.

One of the key partnerships was with Stellar Development Foundation and FunFair Ventures. Through this collaboration, COCA raised a Series A round, took part in Stellar Demo Day, joined Stellar X Spaces, and spoke at Meridian 2025, Stellar’s flagship ecosystem conference. COCA was also featured in the official Stellar blog, increasing its visibility across the global Web3 community. In addition, the Stellar Lucky Airdrop helped boost engagement and awareness among users.

The partnership with Everstake strengthened COCA’s infrastructure and expanded users’ access to Web3 services. 

Working with Ramp Network, COCA enabled users in the United States to purchase crypto directly within the app, reducing friction and improving accessibility.

Meanwhile, the partnership with Entravel added real-world value by giving COCA users access to hotel discounts of up to 65%.

Throughout the year, COCA also expanded its multi-chain capabilities through integrations with Polygon and Aurora (NEAR), enabling wallet top-ups via these networks. These partnerships were supported by ecosystem-level collaboration and joint activities, strengthening COCA’s presence across leading blockchain communities.

Together, these partnerships played a key role in expanding COCA’s ecosystem and supporting its long-term growth.

👥 Communications & Community

In 2025, COCA built a cohesive communication ecosystem, bringing together social media, community channels, and direct CRM communication into a single, connected experience.

Over the course of the year, COCA’s audience grew to 85,000+ followers across social platforms. More than 1,000 posts were published, helping maintain a consistent presence and an ongoing dialogue with users. Both Telegram and X reached record levels of engagement, reflecting strong interest in the product and its development.

Community work also continued to grow in parallel. Regular AMA sessions, active discussions in Telegram and Discord, and open communication with the team turned the community into one of COCA’s strongest growth and feedback channels.

Direct communication with users played an important role as well. Throughout the year, 4.7 million emails were sent to keep users informed about product updates, campaigns, and new features. In addition, COCA published 30 blog posts covering product updates, partnerships, ecosystem developments, and educational topics.

As a result, in 2025 COCA’s communications evolved into a lively and engaged environment, where social channels, content, and community became a natural extension of the overall user experience and a key driver of ecosystem growth.

🏆 Awards & Recognition

The consistent work on product development, infrastructure, and user experience throughout 2025 was recognized not only by users, but also by the wider industry and ecosystem partners.

COCA was named among the Top Crypto Cards by CoinGecko, TheBlock, CryptoCardHub, and BeInCrypto amongst others, confirming its position among the leading crypto card solutions on the global market.

In addition, COCA received the Best Software Wallet Award at the BeInCrypto 100 Awards 2025, and secured marketing support from Myosin, in collaboration with Stellar, further reinforcing confidence in COCA’s long-term vision and scalability.

🚀 What’s Next: COCA’s 2026 Roadmap

In 2025, COCA laid a strong foundation for its next phase of growth, focusing on scalability and real-world use cases. This progress gives the team confidence to move forward and continue expanding the ecosystem. Below are the key priorities shaping COCA’s 2026 roadmap.

From Crypto Wallet to Challenger Bank

In 2026, COCA continues evolving into a new-generation challenger bank. The goal is to give users full control over their money, real yield on their balance, and a transparent financial experience where value flows back to users instead of traditional financial institutions.

Apple Pay

Following the Google Pay launch, COCA will roll out Apple Pay in Q1. Users will be able to pay online and offline anywhere Apple Pay is supported.

Self-Banking and Non-Custodial Accounts

COCA is moving to self-banking with fully on-chain, non-custodial smart contract accounts powered by account abstraction. Only authorized amounts are processed during payments, and COCA cannot access, freeze, or block user funds.

Bank Accounts

Real bank accounts with SEPA, SWIFT, USD, and EUR support will allow users to receive salaries, make transfers, and withdraw funds just like with a traditional bank – while maintaining full control over their assets.

Instant APY

Users will earn APY in real time instead of monthly rewards. Yield will be generated through Morpho integrations, with risk frameworks reviewed by Gauntlet, focusing on sustainable returns.

In-App $COCA Buy and Sell

Buying and selling $COCA will be available directly inside the app, with transactions executed from the banking balance at competitive rates.

Card-to-Card Transfers

Instant card-to-card payments will make sending money to friends and family as simple and fast as messaging.

Global Expansion

COCA will expand into new regions, including the United States, with USD accounts, local payments, and broader market access.

UI, UX, and Customer Support

COCA will continue improving app UI and UX to keep financial tools simple and intuitive. Customer support will be scaled through live chat, AI-assisted help, expanded global coverage, and clearer internal processes to ensure faster and more reliable service.

$COCA Tokenomics Updates

COCA will also introduce updates to $COCA tokenomics, with a strong focus on long-term sustainability and real utility rather than short-term speculation. The token’s role within the ecosystem will continue to evolve alongside the product.

Community and DAO Governance

Finally, COCA plans to work more closely with its community by introducing DAO-based voting on key decisions. This approach ensures that users have a direct voice in shaping the future of the ecosystem and reinforces COCA’s commitment to transparency and decentralization.

💙 This is only the beginning

COCA is committed to building a long-term financial ecosystem where users come first. The foundation is set – and the most meaningful progress lies ahead.

Thank you for being part of this journey.

Team COCA.