COCA Monthly Update: January 2026

January felt like a turning point for COCA. Physical COCA Cards reached users for the first time, real-world spending continued to grow, and several long-planned updates came together across the app, rewards, and token mechanics. More importantly, activity across the community stayed high, with campaigns, referrals, and open feedback helping shape what’s coming next.

The focus throughout the month was practical usage: paying, earning cashback, sharing real experiences, and tightening the foundations for COCA as an everyday stablecoin banking product.

Here’s everything that shaped January 👇

📈 Growth & Momentum

The start of the year brought renewed activity across users, markets, and product engagement.

• The number of active users increased by 14% 

• Card orders went through the roof with a 52% increase

• Transaction volume percentage rose by over 32% 

• $COCA token hit another ALT at $1.68, up 54% from the beginning of the year

January reinforced a clear trend: COCA is becoming a more active part of users’ daily spending and financial routines.

🎉 Physical COCA Cards Launch & Contest

Physical COCA Cards officially launched in January, marking a major milestone in real-world spending.

To celebrate, COCA launched the COCA Card Contest, encouraging users to share real card moments, from unboxings to everyday purchases.

Contest highlights:

• $5 guaranteed bonus for participants

• $400 prize pool across creative categories

• Campaign runs Jan 13 – Feb 9, 2026

The initiative builds a culture around authentic, real-world COCA usage.

🤝 Refer-a-Friend Campaign Extended

The Refer-a-Friend program now runs until Feb 28, increasing earning potential:

• Refer 1 friend → $20

• Refer 5 friends → $150

• Each invited friend gets $10

Rewards are credited automatically after qualifying activity. Read the updated terms and conditions here.

🎁 Loyalty Tier Discount: 30% Off Staking

From Jan 15 – Feb 8, COCA launched a 30% discount on Loyalty Tier staking requirements.

Users can unlock:

• Higher cashback

• More subscription perks

• Better APY limits

This window allows faster break-even, higher rewards, and lower upfront commitment. Read more about this offer here.

🔄 Loyalty Program Expansion: New Tiers & Subscription Flexibility

COCA introduced new tiers — Standard+ and Premium+ — reducing the staking jump between levels.

Subscription cashback was redesigned:

• Categories replace single-service limits

• More flexibility across Streaming, AI tools, Music, and Marketplaces

• 50% cashback up to $70/month per service, with tier cashback beyond

The update makes rewards more flexible, accessible, and personalized. Read more about all this update here.

🪙 Tokenomics & $COCA Updates

January brought updates focused on long-term sustainability:

• No new token unlocks until Dec 1, 2026

• Extended team token lockups up to 10 years

• Tier utility focused on real usage and participation

• Future buyback & burn mechanisms tied to revenue

• Transition to USD-based tier pricing for accessibility

The goal is to position $COCA as a utility-driven ecosystem asset, not a hype token.

🎙 Community AMA: Road to 2026

On January 23, COCA hosted its first AMA of 2026, called “Road to 2026 and the Team Behind It.”

For the first time, COCA’s leadership team joined live on camera, giving the community a direct look at the people shaping the product’s future. The session focused on:

• COCA’s 2026 vision and roadmap

• A preview of upcoming app updates

• Open Q&A with thoughtful, high-quality community questions

Five community members were rewarded for the most interesting questions. Check out the full AMA highlights recap here.

🚀 Key Product Updates Coming in 2026

Several major updates were shared during the AMA:

Apple Pay

Launching soon, enabling online and offline payments anywhere Apple Pay is supported.

Self-Banking & Non-Custodial Accounts

Fully on-chain smart contract accounts using account abstraction. COCA cannot access or block user funds.

Bank Accounts

Support for SEPA, SWIFT, USD, and EUR, including salary payments and transfers.

Instant APY

Real-time yield powered by Morpho, with risk oversight from Gauntlet.

In-App $COCA Buy & Sell

Buy and sell $COCA directly in-app without external exchanges.

Card-to-Card Transfers

Instant payments between users, as easy as sending a message.

Global Expansion

New regions are launching, including the United States, with broader market access.

📲 App Demo Highlights

The team previewed a redesigned app experience focused on banking usability, including:

• Login with email + OTP

• A new Banking-first home screen

• Separate USD & EUR accounts with transaction history

• Real-time APY tracking

• Easy top-ups via bank transfer, card, crypto, or salary

• Simplified withdrawals to banks, cards, and external wallets

The experience shifts COCA from crypto-first toward a full everyday banking interface while keeping crypto functionality available.

🧩Product Updates & Improvements

January included multiple quality-of-life improvements:

Annual Subscription Cashback Rules Updated

50% cashback capped at $70/month per service for annual plans.

PayPal Cashback Removed

PayPal payments no longer qualify for cashback.

Updated Card Limits

Daily spending: Unlimited (VISA)

Cash withdrawals: €850/day

Stability & Performance Fixes

Bug fixes and overall app reliability improvements.

✔️ Wrapping Up January

January felt like a real step forward for COCA. More people used their cards in everyday life, the community got more involved, and several long-planned features finally started taking shape. From physical cards landing in mailboxes to new rewards and product improvements, it was a month that showed steady, real progress.

There’s a lot already lined up for the months ahead, including Apple Pay, bank accounts, broader regional access, and deeper product upgrades. February will keep that momentum going.

See you in next month’s update 💙

Team COCA