What is COCA (COCA)?

COCA is a financial platform designed to combine blockchain infrastructure with traditional banking experiences. The project aims to allow users to make daily payments through bank cards while taking control of their digital assets. COCA integrates applications, Visa cards, IBAN accounts and stablecoin support into one system.

The infrastructure of the platform is built on top of smart wallets. Users 'assets are stored directly in wallets under their own control. Therefore, funds will not be managed by any centralized institution.

COCA is positioned as a payment and financial application that integrates decentralized finance and traditional payment infrastructure. Users can recharge their accounts via bank transfers, bank cards or supported stablecoins.

The platform provides physical and virtual cards supported by Visa. The card can be used at stores that accept Visa, online shopping, and subscription payments.

COCA also provides a structure that allows users to earn a certain percentage of annualized income from their account balance. These gains come from stablecoin assets invested in decentralized lending agreements.

The platform's native ecosystem token is COCA. The token is used for membership levels, various benefits and governance processes.

COCA adopts the EIP-4337 and EIP-7702 standards known as smart contract wallets. With this structure, users can manage their wallets without having to deal with mnemonic words in traditional cryptocurrency wallets.

This project is classified in the DeFi, digital payments and Web3 banking areas.

What is the goal?

The main goal of COCA is to enable users to perform daily financial transactions while maintaining control over assets.

The project views bank-controlled funds in traditional banks as a major limitation of the existing system. COCA aims to create a structure where users control their wallets, but with a user experience similar to a traditional bank.

At the same time, it aims to leverage stablecoin infrastructure to provide international remittance, card payment and balance income services in one application.

Project Concept and Vision

COCA's long-term goal is to promote the user-controlled digital banking model it calls "Self-Banking."

The platform plans to integrate bank accounts, payment cards, international money transfers, travel services and digital asset management into one application.

Its roadmap includes entering the U.S. market, supporting new blockchains, providing eSIM services, artificial intelligence-driven customer support, and expanding COCA token usage scenarios.

How does the project work?

COCA's operating structure consists of several key steps.

Users register on the app and the system creates a smart wallet for them.

Bank transfers to accounts can be made via IBAN in euros or U.S. dollars.

You can recharge your balance through your bank card.

Supported stablecoins can be transferred directly into wallets.

Users can add a COCA Visa card to Apple Pay or Google Pay.

When using this card to pay, you only need to authorize the relevant transaction amount from your wallet. Access to all funds will not be granted.

Users can set daily spending limits or freeze their cards instantly.

The platform provides balance income through stablecoins operating in the DeFi credit market.

During this process, plan to use the Morpho protocol and a risk-oriented treasury strategy managed by Gauntlet.

Users can withdraw assets from their wallets or export their private keys at any time. Once the private key is exported, the same wallet will no longer be used in a COCA application.

Support Organization

According to official website information, COCA is supported by Stellar and FunFair Ventures. Official sources did not disclose detailed information on the amount of investment or the scope of cooperation between these institutions.

Product Structure

COCA provides a variety of products and services that allow users to perform daily financial transactions through a single application. These products integrate payments, asset management and digital banking experiences.

Bank account:

Operate as a smart wallet controlled by the user. Transfers through IBAN, stablecoin recharge and balance management are all carried out through this account.

COCA Visa Card:

Available physical and virtual card options. Available in stores that accept Visa, online shopping and subscription payments.

Smart wallet:

A wallet based on smart contracts. Control of user funds is in the hands of users, and transactions can be easily managed through apps.

APY System:

Supported balances are put into the DeFi lending market to generate revenue. According to official documents, this process plans to leverage Morpho infrastructure and Gauntlet's risk management methods.

Cash Back Program:

provides cash back for eligible card purchases and specific subscription payments. The cash return rate depends on the user's level.

Level System:

Users can reach different membership levels by locking in COCA tokens. The higher the membership level, the increase in cash return rates, APY limits and platform benefits.

COCA Travel:

A travel service that allows users to book hotels and purchase air tickets through the app.

Decision mechanism

COCA token holders can participate in the governance process.

Official data shows that certain decisions can be made through community voting. For example, new token lock-in times can be determined through community voting.

Technical details about the DAO structure have not yet been announced.

Token ($COCA)

Token name: COCA
Symbol: COCA
Blockchain: A smart contract-based structure is used in official documents. Token allocations are announced through the Ethereum address.
Maximum supply: 1,000,000,000 COCA
Circulation supply: Official source not specified.
Core functions: used to realize membership levels, governance and platform rights.

What is the purpose of COCA tokens?

Unlock membership levels
Token lockups
Participate in governance voting
Increase cash return rates
Use APY limits
to obtain subscription refunds
Access platform equity

Token economic model

Official token allocations are as follows:
Treasury: 27%
Team: 20%
Partnership: 15%
Liquidity: 15%
R & D: 13%
AI layer: 10%
Total supply is set at 1 billion COCA.
According to the official plan, the issuance of new tokens has been suspended until December 1, 2026.

Development Plan

COCA's 2026 roadmap focuses on expanding banking functions, developing new payment solutions, and developing a token ecosystem.

Progress completed

Implementation of Self-Banking infrastructure
Support for IBAN and Visa cards
Stable coin-based payment infrastructure
Launch of APY functionality

Progress in the plan

2026 Q1-Q2: Complete the Self-Banking model and extend SEPA support and instant APY functions.
2026 Q2: Achieve euro/dollar account conversion, U.S. dollar IBAN support, trading and selling COCAs through bank balances, launch services in the U.S., card-to-card transfers, AI-driven 7x24-hour customer support, and a fixed price model that moves to a hierarchical system.
2026 Q2-Q3: Integrate travel services into applications.
2026 Q3: Add eSIM services.
2026 Q3-Q4: Introducing new application scenarios for COCA tokens.

Outstanding features

COCA is a payment platform that combines a user-controlled digital wallet structure with bank-like services.
Smart contract-based self-managed wallet
Visa supported physical and virtual cards
IBAN and international transfer support
Use stablecoins to recharge balances
DeFi-based balance revenue
Apple Pay and Google Pay support