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COCA Monthly Update: October 2026
October was another big month for COCA. We welcomed more new users than ever before, saw record highs in card activations and active card users, rolled out three app updates, brought back Refer-a-Friend, and teamed up with Stablerail.
From TOKEN2049 in Singapore to new ways to get more out of your COCA Card, there was plenty happening behind the scenes and in the app.
Here's the full story 👇
Let's start with the numbers, because October gave us plenty to smile about. Alongside a record number of new users, card activations and active card users reached new highs too.
New Users: +72% MoM
Card Activations: +114% MoM
Active Card Users: +57% MoM
We may have checked the dashboard a few more times than usual this month 😄
⚙️ Product Updates & Improvements
Three releases in one month: COCA 3.9.0, 3.9.1, and 3.10.0 all landed in October. Here's what they brought you.
🔥 Claim Capacity Boosters
Your Monthly Claim Capacity now has three ways to grow. COCA 3.9.0 brought all three boosters into the app: Payment Booster, Loyalty Booster, and $COCA Staking Booster. Spend with your COCA Card, stay on a paid tier, or stake more $COCA, and your capacity goes up. See how each one works in our Help Center.
💬 Support Tickets in the App
We promised it last month, and here it is. With COCA 3.10.0, you can open a support ticket right in the app whenever you need help. Tap the chat icon in the top-right corner and choose Ticket Form.
🔄 Exchange & Deposit Updates
A couple of small changes that save you a headache. Failed exchange transactions now show up in Activity, so you can see exactly what happened. And if you deposit on Stellar, the app now reminds you that a MEMO is required.
🛠 Fixes & Improvements
Each October release also brought bug fixes and smaller improvements across the app. Together, they make COCA smoother to use day to day.
📄 Updated COCA Docs
We've updated COCA Docs. Curious how COCA works in more detail? That's the place to start.
📍 COCA at TOKEN2049 Singapore
In early October, our CEO Vasili Paulau flew to Singapore for TOKEN2049, one of the biggest crypto events of the year. It felt like the whole industry was there, and Vasili was right in the middle of it, with a COCA Card in his pocket. He met partners and explored new opportunities to grow COCA.
🤝 COCA x Stablerail
Both COCA and Stablerail believe stablecoins should be as easy to use as any other money. So in October, we teamed up. Stablerail builds stablecoin treasury for businesses: finance teams use it to manage balances, payments, payouts, and corporate cards in one workspace. COCA builds stablecoin banking for the consumers.
Both products are self-custodial, so customers stay in control of their funds. Together, we cover both sides of the stablecoin market. Read more about the partnership on our blog.
🎁 Share COCA, Get Rewarded
Love COCA and keep telling your friends about it? Now that pays off in two ways.
🚀 Refer-a-Friend Is Back
Invite a friend to COCA and earn $20 when they get started. They get $10 too, so it's a win for both of you. Your friend just needs to complete three steps within 30 days:
Sign up with your referral link
Order a COCA Card
Spend $100 across 3 different merchants
Rewards are credited to your USD or EUR account, and your Monthly Claim Capacity grows by the same amount. You don't even need a COCA Card yourself: a verified COCA account is enough. Grab your link in the app → Rewards → Invite a Friend.
💸 Higher Affiliate Rewards
We've raised the rewards in our Affiliate Program: you can now earn up to $969 per user. If you already talk about COCA on your website, networks or create content, here's how it adds up:
Active users: $25 to $60 for every qualified new user
Card spending: up to $109 per user every month
$COCA staking: up to $800 when a referred user stakes for 60+ days
📝 You Told Us About Yourself
In October, we invited you to take part in a survey and tell us a little more about yourself: how you pay, what matters most to you in a card, and how you use COCA. A big thank you to everyone who took the time to participate and share their thoughts. We really appreciate your input!
The team is reviewing everything you shared. Your habits help us build rewards, features, and offers that suit you better.
💬 Staying Close to the Community
🔊 Q&A with Our CEO
Our CEO Vasili Paulau spent a day in our Telegram chat, answering your questions about what the team is building right now, what's planned next, and more. Thanks to everyone who dropped by with questions and ideas.
❓ Community FAQ
We also kept the Community FAQ going. This time, the team looked ahead and answered your questions about what's coming to COCA.
📅 The COCA AMA Series
We want to stay closer to you and keep you in the loop on what we're building. So we've planned five sessions with the team through the end of the year: Q&A Days in our chat and Live AMAs. The series is already underway, so check the full schedule and save up your questions.
🚀 What's Next in November
The month didn't waste any time.
8% cashback for new users. From November 1 to 30, everyone who joins COCA gets 8% cashback on their first 3 purchases, with nothing to stake and no tier to upgrade. Know someone who hasn't tried COCA yet? Now's the moment to tell them.
COCA 3.11.0 is already live, and here's what it brings:
Rewards at a Glance: your pending cashback and rewards right on the home screen
Direct USDC deposits on Base: USDC top-ups on Base with zero fees and a 1:1 conversion rate
Activity & Refunds: a faster, more reliable transaction history, with refunds shown in Activity
And more: smoother swipe confirmations, instant transaction status, and withdrawal fees shown in Card Limits
And there's more planned for this month:
Card top-ups in the app: enter the details of your Visa or Mastercard from another bank right in COCA, and top up your account without opening your bank's app
Direct EURC deposits on Base: EURC top-ups on Base with no fees, just like USDC
A new Refer-a-Friend promo: even more reasons to bring your friends to COCA, with details coming soon
A Black Friday promo: something special for the biggest shopping season of the year, so stay tuned 👀
Welcome to everyone who joined COCA in October, and thanks for being with us 💙
Team COCA
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