COCA Monthly Update: March 2026

March moved COCA closer to its next chapter.

A large part of the month was dedicated to the upcoming COCA 3.0 update – an important next step built around new bank accounts, instant APY, and full self-custody of your funds.

Alongside that, March brought new campaigns, community initiatives, and several important updates.

Here’s what shaped the month 👇

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📈 Growth & Momentum

March was another strong month for COCA, marked by steady growth across key metrics:

• Active users increased by 9%

• Transaction volume grew by 15%

• Card top-ups rose by 21%

• The $COCA token price climbed by 22%

The COCA card is also becoming a part of users’ everyday routines:

• 24% of all purchases were made in grocery stores

• 22% were made in restaurants, cafés, and fast food outlets

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🚀 Getting Closer to COCA 3.0

This month, we gave the community a first look at what’s coming in COCA 3.0 – including the updated Home Screen and upcoming USD & EUR Accounts.

We also shared more about the self-custody model behind the new experience. With COCA 3.0, your money is not under our control – it is stored in your blockchain smart wallet, and only you control it.

At the same time, we selected a group of COCA 3.0 beta testers who will get early access to the new version and help us refine the app ahead of the public release.

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🏆 COCA Mentioned in Stellar Community Fund’s 2025 Impact Report

One of the key ideas highlighted in the report is simple: users are not looking for blockchain for its own sake – they want faster transfers, easier access to money, and products that work across borders. 

In this context, COCA was featured as one of the examples of how stablecoins are becoming part of everyday financial life.

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💸 Referral Surge Campaign

We launched Referral Surge as an extra incentive on top of our ongoing Refer-a-Friend program.

For every successful invite, users received 1 raffle ticket for a chance to win from a $1,000 prize pool.

The campaign gave users another way to engage with the referral program and earn extra rewards by inviting friends to COCA.

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📖 COCA User Stories: From Crypto.com to COCA Elite

We published the second blog post in our COCA User Stories series.

The piece follows Michael from Germany, who switched to COCA Elite and earned around €700 in cashback in just two months. More than just a strong result, it reflects a broader shift toward using crypto-powered products for real everyday spending.

If you haven’t read it yet, we recommend checking it out here.

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💰 Curve Cashback Update

One more important update from March: starting April 1, Curve cashback will continue for Premium+ and Elite users based on their tier:

Premium+ → 6% cashbackElite → 8% cashback

For all other users, Curve transactions will continue to receive 1% cashback with no limits.

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🌱 Level Up Season Campaign

From March 16 to March 31, we ran the Level Up Season campaign, giving users an extra incentive to level up in the Loyalty Program.

Those who upgraded during the campaign period became eligible for an exclusive bonus:

Premium+ → $120Elite → $200.

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🔍 COCA vs Gnosis Pay and COCA vs Bybit Card

This month, we also published two comparison blog posts: COCA vs Gnosis Pay and COCA vs Bybit Card.

Both pieces look at how these cards differ, where each product stands out, and what makes each one better suited to different needs.

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🗓 COCA Cashback: More Than $6,200 a Year at the Top Tier

One of last month’s blog posts explored how much cashback COCA users can earn over the year.

The results were:

Standard+ → almost $1,000/year

Premium → more than $1,700/year

Premium+ → more than $2,100/year

Elite → more than $6,200/year

Looking at those numbers, cashback stops feeling like a small bonus and starts to look like a real benefit.

For the full breakdown and calculations, check out the post via the link.

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🚀 What’s Next in April

March brought COCA one step closer to a major new chapter. We made strong progress across the board, but most importantly, we laid the foundation for COCA 3.0.

By bringing together banking functionality, yield on balance, rewards, and full self-custody, COCA 3.0 will be an important step toward a new category in personal finance: self-banking.

We’re excited for what’s ahead and grateful to everyone on this journey with us! See you again next month.