Earn 6% APY on Your Stablecoins, Just by Using Your COCA Card

pavel0016
3 days ago
4 min read

We’ve always believed that crypto should make your life easier — not more complicated.

When we introduced COCA 2.0, our goal was simple: to build a new kind of banking experience that puts freedom and control back in your hands. And now, we’re taking that idea one step further.

You can now earn 6% APY simply by holding stablecoins on your COCA Card. No staking. No lock-ups. No confusing DeFi tricks. Your balance stays liquid. Just your everyday balance quietly earning for you — automatically.

💸 Your Everyday Balance, Doing More

If you’ve ever left your stablecoins sitting still in a wallet or on an exchange, you’re not alone. Most people do. But what if those same funds could grow — while still being ready to spend anytime you want?

That’s exactly what happens with COCA.

When you top up your COCA Card with USDT, USDC, EURC, or EURS, you’ll automatically start earning 6% APY on your first $5,000 by default. Upgrade your tier, and you can earn 6% on even more — up to unlimited at Elite tier. Anything above your tier limit still earns 2% APY, so your money never really stops working.

You don’t need to lock your balance away or “stake” it somewhere you can’t touch it. Your funds stay liquid and ready to use — whether you’re grabbing coffee, shopping online, or paying for Netflix.

It’s your money, your pace — earning for you in the background.

⚡ How It Works

Here’s the best part: there’s nothing extra to do.

Once you top up your COCA Card with stablecoins, your balance starts earning right away. Rewards are calculated on your minimum monthly balance (soon, it’ll apply to your entire balance dynamically) and paid out by the 10th of every month — directly in stablecoins.

There are no hoops to jump through, no fine print, and no waiting periods. You can spend anytime, anywhere Visa is accepted — over 80 million merchants around the world.

You earn. You spend. You earn again. That’s it.

💰 Spend Smart, Earn More

Here's a question we hear a lot: "Should I spend my stablecoins to get cashback, or keep them on my card to earn APY?"

The answer? Both.

With COCA, you're not choosing between spending and saving — you're doing both at the same time.

Here's how it works in practice:

Let's say you're on the Premium tier and you top up $10,000 to your COCA Card:

You spend $5,000 on everyday expenses throughout the month — groceries, coffee, Netflix, travel
- First $2,500 earns 5% cashback = $125
- Remaining $2,500 earns 1% cashback = $25
- Total cashback: $150/month or $1,800/year
Your remaining $5,000 balance sits on the card earning 6% APY
- Annual earnings: $300
- Combined annual earnings: $2,100 — just from living your normal life.

You're not sacrificing anything. Every dollar spent earns cashback. Every dollar saved earns APY. There's no trade-off, no "either/or."

The same $10,000 top-up and $5,000 monthly spending across all tiers:

Starter tier: $600/year in cashback + $300/year in APY = $900 total
Standard tier: $840/year in cashback + $300/year in APY = $1,140 total
Premium tier: $1,800/year in cashback + $300/year in APY = $2,100 total
Elite tier: $4,800/year in cashback + $300/year in APY = $5,100 total

The more active you are with COCA, the more you earn — whether you're spending or saving.

🔐 You Stay in Control

With COCA, you don’t give up ownership of your funds — ever. Unlike traditional banks, there are no intermediaries. COCA is self-custodial, which means only you own your money.

We use advanced security technology that keeps your funds safe while making access and recovery simple — even if you lose your device or need to switch phones. You get the same ease of use you'd expect from a modern banking app, but with full self-custody and freedom.

You stay in control — always.

🌍 More Than a Card — A Way to Live on Crypto

This new APY feature builds on everything we introduced in COCA 2.0 — a platform made for people who want to actually use their crypto, not just hold it.

You can already earn up to 8% cashback, enjoy 50% off subscriptions like Netflix, Spotify, and ChatGPT, and save up to 50% on hotels with COCA Travel.

Now, even the balance sitting on your card is earning for you too.It’s a new kind of financial freedom — one that rewards you just for living your life.

🚀 Start Earning in Minutes

You don’t need to do anything fancy to get started.Just top up your COCA Card and let your stablecoins do the work.

No stress. No staking. No waiting.Just simple, steady rewards — paid automatically, every month.

Supported Stablecoins: USDT · USDC · EURC · EURS

Supported Networks: Ethereum · BNB Smart Chain · Avalanche C-Chain · Polygon · Arbitrum · Stellar · Base

The Future of Banking is Stablecoin Banking

COCA isn’t just a wallet or a card — it’s a stablecoin-native challenger bank, built for the next era of digital finance.With COCA, you earn, spend, and grow your stablecoins with the same simplicity and reliability you expect from traditional banking — but without giving up control or flexibility.