COCA.xyz
Spend stablecoins with COCA.xyz’s Visa card—earn up to 8% cashback and save up to 50% on subscriptions like Netflix and Spotify.
Updated on
What is COCA Card?
COCA Card is a non-custodial crypto debit card that allows users to spend their digital assets while maintaining full control over their funds. Built with privacy and security in mind, COCA uses MPC (Multi-Party Computation) wallet technology to ensure users retain ownership of their assets without relying on a centralized custodian.
The card operates on the Visa network, providing access to millions of merchants worldwide. COCA supports spending from 15+ blockchain networks, making it one of the more versatile options for multi-chain crypto users.
COCA Card is available in the EEA, UK, and globally in select regions.
Key Features & Services
Non-Custodial MPC Wallet
COCA's core differentiator is its non-custodial approach using MPC (Multi-Party Computation) wallet technology. This means:
- You control your funds — COCA never has full access to your private keys
- Enhanced security — MPC distributes key management across multiple parties
- Privacy-focused — Your spending activity remains under your control
Visa Debit Card
The COCA Card is a Visa debit card that enables crypto-to-fiat spending at any Visa-accepting merchant:
- Visa network acceptance worldwide
- Apple Pay and Google Pay support for contactless payments
- Free ATM withdrawals up to $250/month
- Available as virtual and physical card
Multi-Chain Support
COCA stands out with support for 15+ blockchain networks, allowing users to spend from multiple chains without manual bridging:
Supported Assets:
- USDT (Tether)
- USDC (USD Coin)
- EURC (Euro Coin)
- EURS (Stasis Euro)
Cashback Rewards (Up to 8%)
COCA offers tiered cashback rewards based on staking levels:
- Up to 8% cashback on eligible purchases
- Cashback rates depend on staking tier
- Higher tiers unlock better rewards
Earn on Balances (6% APY)
Users can earn passive income on their holdings:
- Up to 6% APY on stablecoin balances
- Earn while you hold, spend when you need
Subscription Discounts
COCA offers additional perks for cardholders:
- 50% off on select subscriptions
- Partner discounts and exclusive offers
Pricing & Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | Free |
| FX Fee | Not specified |
| ATM Withdrawals | $250/month free |
| Staking Requirement | Yes (for higher tiers) |
| Signup Bonus | None |
Geographic Availability
COCA Card is available in:
- European Economic Area (EEA)
- United Kingdom
- Global (select regions)
Users should verify availability for their specific country within the COCA app.
Security & Privacy
COCA emphasizes security and privacy through:
- MPC Wallet Technology — Distributed key management for enhanced security
- Non-Custodial Design — You maintain control of your assets
- Privacy Focus — Minimized data collection and user tracking
- Multi-chain support — Spend from your preferred network
New bank reviews, side-by-side comparisons, and practical money tips. No spam, unsubscribe anytime.
Pros
- Non-custodial — Full control of your funds with MPC wallet technology
- Up to 8% cashback on purchases (tier-dependent)
- 6% APY on stablecoin balances
- Free annual fee
- $250/month free ATM withdrawals
- Apple Pay and Google Pay support
- 15+ blockchain networks supported
- Multi-stablecoin support (USDT, USDC, EURC, EURS)
- Privacy-focused design
- 50% off subscriptions benefit
- Wide geographic availability (EEA, UK, Global)
- Visa network for broad merchant acceptance
Cons
- Staking required for higher cashback tiers
- FX fees not specified in public documentation
- No metal card option available
- No signup bonus currently offered
- Tier-based rewards may limit benefits for casual users
- Non-custodial model requires understanding of crypto wallets
- Availability may vary by specific country
Who Is COCA Card Best For?
Ideal For:
- Privacy-conscious crypto users who want non-custodial spending
- Multi-chain users who hold assets across different networks
- Stablecoin holders (USDT, USDC, EURC, EURS) looking for spending access
- Users in EEA, UK, or supported global regions
- Those who want to earn while holding (6% APY)
- Users comfortable with staking for better rewards
Not Suitable For:
- Users who want simple, no-staking rewards
- Those seeking a metal card or premium design
- Users who need clearly disclosed FX fees upfront
- Beginners unfamiliar with non-custodial wallets
- Users looking for a signup bonus
Key Features
- MPC Wallet
- Non-Custodial
- Privacy Focus
- Up to 8% Cashback
- 6% APY on balances
- 50% off subscriptions
COCA Card Alternatives
- Gnosis Pay — Another non-custodial crypto card with DeFi integration and self-custody focus.
- Holyheld — DeFi-oriented card with non-custodial approach and multi-chain support.
- Crypto.com — Custodial option with tiered cashback rewards and CRO staking benefits.
- Wirex — Multi-currency card with crypto support and broader fiat features.
- 1inch Card — DeFi-integrated card with cashback and 0% FX fees.
About the author
Founder of Sirket.io & Editor at BankList.co
Can Ozer is the founder of Sirket.io with over 6 years of experience in international taxation. He has helped many entrepreneurs with offshore company formation, business bank account opening, and payment infrastructure applications across multiple jurisdictions. At BankList.co, he reviews and curates banks and financial services to help founders choose the right financial partner.
Similar to COCA.xyz
Slash Global USD
