Refer a Friend, Earn $20 — Your Friend Gets $10

Sharing COCA just became one of the easiest ways to earn. Invite a friend, they get $10 to kick things off at COCA, and you pocket $20 when they get started. No complicated hoops. Just real rewards, for both of you.

Here's everything you need to know. 👇

💸 You Share. You Both Earn.

Every successful referral puts $20 in your pocket and $10 in your friend's. Paid in USD or EUR to your COCA balance. No points, no volatile native coins, just real money.

And there's no cap. The more friends you invite, the more you earn.

Friends Referred	Your Earnings
1 friend	$20
5 friends	$100
10 friends	$200
20 friends	$400

This is on top of your regular cashback and APY — extra income, every time someone you know joins COCA.

✅ Three Simple Steps

Your friend just needs to do three things within 30 days:

1. Sign up via your referral link New COCA users only — takes a few minutes.

2. Order a COCA card Virtual (free and instant) or physical — their choice.

3. Spend $100 across 3 different merchants Regular everyday spending counts. Coffee, groceries, subscriptions — whatever they'd normally pay for.

Once they're done, you get $20 and they get $10, credited automatically.

📲 How to Share Your Link

Open the COCA app → Rewards tab → tap "Invite a Friend" → share your unique link anywhere — WhatsApp, Telegram, email, or a message to a friend who can find COCA valuable.

Track every referral and pending reward in real time, right inside the app.

🙌 Why Your Friends Will Love COCA

The $10 is just the start. Once your friend is on COCA, here's what their money starts doing for them:

Up to 8% cashback on everyday spending with COCA Visa card. Every purchase earns real money back, automatically. No categories to activate, no points to decode. Just spend and get paid.

50% cashback on subscriptions they already pay for Netflix, Spotify, ChatGPT, Claude, Amazon Prime and more. Half the cost, back in their wallet every month.

Up to 5% APY on their spendable balance. Their USD balance earns yield while it sits there. No staking, no lockups. Paid in real-time.

Up to 65% off hotels worldwide. Real savings on every trip, booked directly in the app.

Works everywhere Visa is accepted: online, in-store, Apple Pay, Google Pay. In 70+ countries around the world.

Non-custodial — their money, always. Only they control their funds. No bank, no middleman, not even COCA can access their money. 

Even on the base tier, COCA users earn back close to $450 a year just from cashback. That $10 welcome bonus is just the beginning.

💼 Want to Take It Further?

If you have a larger audience or community, COCA's affiliate program could be a better fit for you. Email us at partners@coca.xyz to find out more.

📅 When Do Rewards Land?

Rewards are credited automatically as soon as your friend completes all qualifying steps. After 14 days, they become claimable in the app. Your Monthly Claim Capacity goes up automatically, so there's always room to claim your rewards.

🚀 Start Sharing Today

Already on COCA? Open the app → Rewards tab → "Invite a Friend" → share your link. Every friend who joins is $20 heading your way.

Just received a referral link? Sign up, order your card, spend $100 across 3 merchants — and your $10 welcome bonus is on its way.

Either way, someone's getting paid!

Full program details and eligibility rules: Refer-a-Friend Terms & Conditions