AMA Recap: Everything You Asked About COCA 2.0 – Answered!

At COCA, we believe in building with our community, not just for it.

That’s why on September 25.

5th, we hosted our biggest AMA yet — diving deep into everything COCA 2.0: from tiers and cashback, to perks, APY, and what’s next. Over 5,300 questions poured in, and you didn’t hold back. We loved it.

The session was hosted by Kate (Head of Marketing) and Max (Head of Product), who answered the top questions from across the community — straight, unfiltered, and packed with insight.

From how our reward system works to upcoming stablecoin features, from roadmap teasers to support improvements — this was your all-access pass to the future of COCA.

And congratulations to the five community members who each won $50 in COCA tokens for submitting questions and attending the AMA.

If you missed it, don’t worry — we’ve got you covered.

Here’s everything you need to know from the AMA 👇

Q: For those who joined the Premium Tier during the September promotion, until when will we remain on the plan at half the number of COCA tokens required to stay active in it?

The exclusive ‘early adopter’ promotion is valid for 6 months from the moment you joined the Premium Tier.  So if you joined on Sept 5th, it will valid until March 5th, 2026.

Q: Will there be additional rewards for users that “stake” COCA token — e.g., doubling rewards on certain transactions or similar perks?

Great question. Yes, we have plans for special ‘multiplier or lucky streak” campaigns that reward loyal users. These will be limited-time campaigns.

Q: COCA is a fast prepaid card. Many users keep card balances low for safety. Is it wise to offer both cashback and interest? Why not just give interest on wallet balance?

We want to reward both usage (cashback) and holding (APY). If we only reward wallet holdings, users might not use the card. The dual incentive encourages healthy balance behavior. But we’ll monitor and may take your suggestion into consideration in the future.

Q:  How does COCA prevent a small group of high-tier users from dominating rewards?

The short answer is — our reward system is designed to be fair, sustainable, and focused on real-world usage.

First, rewards are individual — not pulled from a shared pool. That means your rewards don’t depend on what others earn. There’s no risk of a few whales draining the system.

We also have category-based limits on certain types of transactions (MCC codes), which help ensure rewards are going toward genuine, everyday spending — not gaming the system.

Lastly, we have an abuse protection system behind the scenes to detect and prevent reward farming or suspicious activity

Q:  Are there plans to integrate tokens beyond stablecoins (e.g. governance or native chain tokens) into the reward system?

Not at this stage — and that’s a deliberate choice. We currently issue cashback in stablecoins (like USDC) because it offers the best user experience:

1. Immediate utility – Users can spend their rewards instantly, without needing to convert or worry about volatility.

2. Simplicity and trust – Stablecoins are predictable and reliable, making rewards feel like real money.

3. Sustainable tokenomics – Issuing COCA tokens as cashback would create constant sell pressure, which could hurt the long-term value and ecosystem stability of the token.

That said, as our ecosystem evolves, we may explore optional token-based rewards for users who opt into them — but only if we can do it in a sustainable and user-first way.

Q: In the future, is there a way to choose which stablecoin is used for cashback?

Yes — that feature is on the way!  Very soon (in the next few weeks), users will be able to choose between USDC and EURC for receiving their cashback rewards. 

We’re also working on letting users choose which stablecoin to use for card payments, and that’s planned to roll out by the end of the year. 

Q: In the old app, setting local currency to EUR displayed cashback in EUR. Now it always shows USD, even with EUR transactions. Will this be changed?

Yes — this is already being addressed! 

In our next app release (rolling out in the coming weeks), you'll once again be able to see your cashback in EUR. This goes hand-in-hand with the update that lets you choose which stablecoin (USDC or EURC) you want to earn your cashback in.

Q: Many debit cards change cashback plans over time. What prevents COCA from doing the same? What’s the long-term plan?

Good question. We built in buffer reserves, dynamic governance mechanisms, and transparent metrics. If changes will take place they will be data-driven, and community-informed — no sudden cuts without notice

Q: The “Card Limits” feature shows spending/withdrawal caps. How customizable is that? Can users request higher caps, set personal sub-limits, and receive alerts? 

Right now, card limits are preset, but we’re working on more flexibility to offer higher limits to higher-tier users, as well as add alerts.

Q: Will COCA expand perks — like airport lounges, festival tickets, and partner collaborations when using the card?

Absolutely — expanding perks is a key part of our roadmap.

We’re actively exploring airport lounge access, event ticket perks, and exclusive discounts through partnerships with travel, entertainment, and lifestyle brands. We’ve already started conversations with potential partners and are also listening closely to our community to prioritize what matters most.

Our goal is to make COCA not just a card, but a lifestyle companion — giving you real-world value wherever you go.

Q: In the future, can users choose perks (e.g. pick 2 out of 5) instead of fixed ones?

Yes — we’re exploring a flexible model of available perks for each tier geared towards a more personalized loyalty experience. This way, the COCA card becomes more than just your financial app — it becomes tailored to how you live and spend.

Q: For frequent users, will there be notifications when approaching spending or withdrawal limits?

Yes — that’s definitely in the roadmap. We know how important it is to stay on top of your limits, especially when traveling or making big purchases. We’re working on smart notifications that’ll alert you when you're close to hitting your daily or monthly caps. Stay tuned — it’s coming soon!

Q: Refunds don’t currently show in activity (only as a notification). Will that change?

Yes, in the near future we will show refund, canceled, and failed transactions in Activity.  Absolutely — we’re already working on an update to make refunds, cancelled transactions, and failed payments clearly visible in your Activity feed. This should be available very soon!

Q: Are there any plans to enable the feature to withdraw money from the card balance?

Yes — it’s in the roadmap for Q4 this year. Right now, if you need to move funds from your card back to your wallet, just contact our support team, and they can do it manually. But soon, you’ll be able to handle it yourself directly in the app.

Q: Will users be able to change the order of coins used for payments (priority)? For example, use USDC one week, and EURC the next?

Love this suggestion.  We’re actively exploring how to give users more control over payment priority. We’ll share more as this develops!

Q: When will a personal EU IBAN for direct top-ups be supported?

That is in the pipeline with the target launch by end of Q4 2025.

Q: I’ve been using COCA inside Telegram. How much functionality do you plan to bring there compared to the standalone app?

The goal is to keep feature parity between the Telegram version and the full app — meaning, you’ll be able to do almost everything inside Telegram that you can in the mobile app.

Q: COCA 2.0 offers 6% APY on idle stablecoin balances — which stablecoins are eligible, how is yield generated, and what are risks (impermanent loss, stablecoin depeg)?

Right now, USDC, USDT, EURC, and EURS held on your COCA card balance are eligible for 6% APY, calculated on your minimum monthly balance. In Q4, we’ll move to a dynamic APY model based on your total balance.

Yield is generated through secure partners like Morpho, which routes deposits into curated DeFi lending vaults. This setup helps us offer competitive returns with sustainable yield backed by global borrowing demand, while keeping risks like depeg and impermanent loss on COCA’s side — not yours.

Q: If you hold multiple stablecoins in your balance, does 6% APY apply to all?

Great question.  This is how it works:

The 6% APY currently applies only to your banking balance (stablecoin balance on the COCA card), not your crypto balance (non-custodial wallet balance).

It applies across all eligible stablecoins held on the card — so if you hold both USDC and EURC, the APY is calculated proportionally based on your minimum monthly card balance.

In Q4, we’re rolling out dynamic APY on the total card balance, which should give users even more yield.

Q: I love the zero‑fee swaps — how do you sustain that?

We absorb fees using internal spread margins, optimized routing, and LP rebate agreements. Our model is built to scale and reinvest those efficiencies back into growth.

Q. I would like to know, if there will be any APY for the new staking inside the Coca app (or other ways to earn yield from COCA token). I`m not such a big fan of the previous connected staking what offered up to 200 APY. I would love a more sustainable apy up to lets say 20% for example. 

At present, we have no plans to offer APY on the COCA token itself.  We’re focusing on sustainable growth, and we believe rewards tied to usage (cashback, perks, etc.) provide better alignment.

Q: As a “Universal Gas Token,” does $COCA mean we won’t need ETH or SOL gas?

That’s the vision. Our plan is to enable $COCA as a Universal Gas Token (UGT) starting with stablecoin and card-related operations — so you won’t need ETH or SOL for those flows within the app.

Over time, we aim to expand this to more types of crypto transactions. However, for more advanced smart contract interactions outside of COCA’s core functions, native gas tokens may still be required.

Q: Will there be DAO-style governance (token holders vote on emissions) or only feature voting?

We plan a phased approach. Initially, holders will vote on feature governance (e.g. rewards, perks, UX changes). As the ecosystem matures, we intend to expand governance to protocol-level decisions and emissions. We’ll present our updated tokenomics soon

Q: What kinds of proposals will $COCA holders vote on? Only app features or token economics too?

Early on — features, reward tweaks, perk additions, and user experience changes. Later — we aim to open governance for tokenomics, emission schedules, and economic levers depending on community adoption and maturity.

Q:  After launching on MEXC and Bitmart, which exchanges are next on the roadmap?

As we see volume and utility of the token gain more tractions, we will look into listings on larger and regional exchanges — especially in LATAM, Europe, and Asia (think KuCoin, Gate, etc.). We’ll share updates once deals are finalized.

Q: What percent of transaction fees/spread revenue is assigned to COCA token utility (buybacks, burns, rewards)?

We’re preparing an updated tokenomics model that will clearly state this. Stay tuned.

Q. Docs state total COCA supply is 1B — what’s circulating, and how are vesting/unlocks managed?

The circulating supply is currently about 6.35% of the total. We plan to increase locks/vesting going forward to ensure long-term alignment. The full vesting schedule and unlock roadmap will be shared in our next tokenomics release.

Q. What are COCA’s plans to improve support and help ticket responsiveness?

We’ve recently hired two new support team members to ensure we can reply to all support tickets promptly and efficiently. Our goal is to provide around-the-clock, 24/7 support, and this expansion is a key step in that direction. We're committed to giving every user the timely help they need.

Q. COCA 2.0 is live in European/Western languages. For non-English users (Asia, LATAM, Africa), when will local language support and localized features arrive?

We’re actively working on expanding both our language support and regional features.

In October, we’ll be rolling out the app in French, German, Spanish, Italian, and Portuguese — covering a big part of our current and upcoming user base.

As we expand into new regions like LATAM, Africa, and Asia, we’re open to adding more languages. If there’s strong demand, we’d love to run a community poll to help prioritize which ones to launch next.

What’s Next?

We’re already putting your feedback into action — from customizable cashback options to smarter card limits and clearer rewards tracking. And we’re not stopping there.

Over the next few months, expect new features, expanded perks, and deeper integrations — all built with your input.

💬 Got more questions? Drop them in Discord or Twitter. 🗳 Want to shape what comes next? Stay tuned for upcoming community polls and AMAs.

Thanks again for being part of the COCA movement. You’re not just using the app — you’re helping define it.

Team COCA 💙