Cashback Just Got Better: New Tiers, Lower Entry 🚀

At COCA, our community actively shapes how the product evolves.

Based on your feedback, we’ve upgraded the COCA Cashback Loyalty Program to make higher rewards easier to reach. We introduced new loyalty tiers that unlock higher cashback with lower COCA staking, and improved subscription cashback with more flexibility and a wider range of services to choose from.

Here’s what’s changed 👇

📈 New Loyalty Tiers

To give users access to higher cashback, larger balance limits for APY, and extended benefits — without significantly increasing staking requirements — we’ve introduced two new tiers:

• Standard+

• Premium+

These tiers sit  between the existing levels and  are designed to remove the bigger pain points we heard from the community: having to stake too much $COCA to unlock bigger rewards.

With the new structure, you can move up the loyalty ladder without a big jump in staking, while still unlocking higher cashback, larger monthly allowances, and expanded benefits. 

👉 Here’s what the updated Loyalty Program looks like:

A simple example to show the difference:

Previously upgrading from Standard to unlock higher benefits required staking 3,000 COCA (~$2,400).

Now, you can move to the next level by staking just 1,000 COCA (~$800) — a 3X lower entry point and more benefits available right away! 🤩

💸 More Subscriptions To Choose From

We’ve also completely redesigned how subscription cashback works.

Previously, there were four individual services eligible for 50% cashback:

• ChatGPT

• Netflix

• Spotify

• Amazon Prime

Each service was tied to a specific tier, which limited flexibility and didn’t always match users’ real preferences.

Now, tiers are linked to categories, each grouping multiple services — giving you more choice and more flexibility.

How 50% Subscription Cashback Works

Key conditions

• 50% cashback applies only to monthly subscriptions

• The maximum amount eligible for 50% cashback is $70 per service per month

• 50% cashback is applied to one subscription per category per month

• The total number of such subscriptions depends on the number of categories available in your tier

How cashback is applied

• Cashback is applied automatically — the first subscription paid in each category during the month receives 50%

• All subsequent subscriptions receive standard cashback based on your tier

Let’s say you’re on the Premium+ tier, which includes the Streaming, AI Assistants, and Music categories.

💰 This month, you first pay for Netflix at $15 → you automatically receive 50% cashback

🪙 Later in the same month, you pay for Disney+ → you receive standard cashback based on Premium+ tier — 6%

The same logic applies to the AI Assistants and Music categories.

• Once the subscription cashback limit is reached, a 1% cashback rate applies.

• When you upgrade to a higher tier, your available cashback limit is recalculated. New limit = new tier limit − amount already used in the current month

What These Updates Mean for You

We’ve made the program more flexible, more transparent, and more rewarding, so you can get more value without unnecessary barriers.

Less commitment — more opportunities. More choice — more real-life benefits.

New tiers unlock extended benefits with lower staking requirements, while the updated category-based cashback system gives access to more services and makes COCA truly personalized.

2026 is just getting started — and many more updates are ahead to make COCA your everyday financial tool, without compromises 💙