COCA 3.0 Live Q&A — Recap with Vasili & Max

"Our goal isn't to be a 'crypto bank,' but a neobank powered by blockchain infrastructure. We prioritize a seamless Web2 interface where the majority of users never interact with a private key directly. We are committed to build the experience to look and feel like a traditional challenger bank, while keeping self-custody 'under the hood.'"

"We don't sacrifice security for convenience – we simply hide the technical complexity. For users who require total sovereignty, the underlying keys will remain fully accessible and exportable. But for everyone else, it's just banking that works."

"Since our 3.0 update, COCA is fully self-custodial. We utilize a dual-wallet architecture under total user control: a Smart-Contract Wallet for the 'Banking Balance' (connected to both card and IBAN) and a Standard Crypto Wallet for core assets. We leverage Privy for our wallet infrastructure."

"To provide ultimate transparency and sovereignty, we are bringing back an updated Private Key Export for both wallets in our upcoming updates. We will also continue to reinforce the product transparency via comprehensive security audits and will be updating the whitepaper and App itself to provide verifiable proof of our self-custodial architecture."

Short answer: No. Legal names are never broadcast to the blockchain. Transactions are identified only by wallet addresses. COCA acts as a "Privacy Shield" between your on-chain assets and your real-world activity.

• Merchants see a standard card transaction with no visibility into your crypto wealth or wallet history.
• Banks process the payment without having access to your private keys or the source of your funds.

"Based on COCA's current role as a Software Provider and our self-custody setup, COCA is not required to submit DAC8 reports or report incoming and outgoing transfers under DAC8."

"If the applicable regulatory requirements change, or if COCA becomes subject to reporting obligations in the future, we will inform users in advance."

"In the long term, we see COCA evolving into a neobank powered by blockchain infrastructure. COCA 3.0 is a clear step in that direction. We're building banking accounts, cards, rewards, and everyday financial tools that feel simple and familiar, while keeping self-custody and Web3 infrastructure under the hood."

"Most users shouldn't need to deal with private keys or technical complexity to use crypto in daily life. But for those who want full sovereignty, the underlying keys remain accessible and exportable."

"We're exploring this possibility yet and always want to make our products available to as many users as possible."

"At the moment, IBAN is available only for residents of: Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the UK."

"Ukraine is not included in the supported list right now. However, we are doing our best to expand IBAN availability to additional regions."

"According to our current roadmap, ACH support and USD transfers are planned for Q2 2026."

"Nope, we don't offer credit cards right now. We are currently exploring the possibility to introduce credit cards on top of self-custody infrastructure."

"The monthly spending limit for the COCA Card is €30,000."

"This was one of the most popular questions, and we understand how important EUR APY is for our community 💯"

"We are actively exploring EUR APY, but we will only launch it when we can offer a reliable, sustainable solution with the right provider. At the moment, available EUR stablecoin yield opportunities are still limited, so we prefer to take a careful approach rather than rush the release."

"The yield is generated through external DeFi lending infrastructure, including protocols such as Morpho. Funds are supplied to lending markets where borrowers pay interest, and this interest becomes the source of APY."

"To keep it sustainable, we focus on reliable yield sources, monitor market conditions, and avoid offering rates that cannot be responsibly supported."

"Yes, we plan to implement direct debits and recurring payments in Q3–Q4 this year. And yes, we plan to provide direct cashback for direct debits."

"First of all, Curve cashback is available across all tiers. Currently, Premium+ and Elite members enjoy enhanced rates of 6% and 8%, while all other tiers receive a flat 1% cashback on all Curve transactions, with no limits. We will keep you updated on any future adjustments."

"Our primary focus is currently on scaling our Banking Features, UX/UI, and global expansion while ensuring our incentive programs remain sustainable for the long term."

"Buying and selling COCA will work through decentralized liquidity pools, ensuring a fair market price at all times."

"The minimum staking amount is actually 300 $COCA on the Standard tier. This gives users 3% cashback and a 50% subscription discount in the Streaming category."

"Absolutely. While our current staking model focuses on Tiers, we are actively working on expanding the utility of the token: exclusive perks, real-world utility and community access."

"We are happy to hear your proposals. If you have specific ideas for benefits you'd like to see unlocked through $COCA, we encourage you to share them with us."

"We understand how this would be great. We have plans to do that, however right now we're focusing on bringing more product and loyalty value to you as well as polishing UX and UI so COCA would provide such an exciting experience you could recommend to everyone."

"Great question. Expanding beyond crypto-native channels is definitely part of our 2026 roadmap – Reddit, Trustpilot, and Product Hunt are all being actively explored. We're also thinking about involving our most dedicated community members as brand ambassadors to help lead the way."

Max referred users to official support: help.coca.xyz/support/home with details about the issue.

"The direction will be kept – self-banking meaning neobank experience with self-custody nature where only you can control your funds."

"However, banking will be improved with loyalty features and banking tools, including ACH accounts for USD transfers, APY on EUR, currency exchange, card-to-card transfers, in-app transfers to your friends, in-app purchase of COCA, better experience for getting salary into your COCA, clearer interface, improved experience with refunds, direct debits and other."

"Definitely. We'll expand assets and chains for crypto top-ups in Q2 returning Tron, Stellar and more. As to the cards – we're going to improve refunds clarity and logic, and bring more clarity as to the currency in which you pay."

"What concerns rewards, we're still in discussion with some of our partners to bring more loyalty value depending on the tier, including lounge access and some other perks."

"Not yet. However, we're in discussion with the Near Team right now in this regard."

"That's a great question! We love our customers since you use the absolute majority of the features. There's one feature we use ourselves and think you could use more frequently — COCA travel, where you can book hotels worldwide with discounts up to 65%. Moreover, when you pay with a COCA card you get cashback based on your tier."

"By 2031, COCA will have evolved from a banking app into a Sovereign Financial Co-pilot. Our goal is to make the complexity of blockchain so invisible that 'being your own bank' becomes accessible to everyone – from crypto natives to your older relatives."

"In five years, we won't just be a banking interface – but a Personal Account Manager powered by deep AI integration:

• Predictive Insights: Real-time analysis of your spending, portfolio, and reward incentives.
• Agentic Payments: AI that autonomously optimizes your transactions, finding the best yields or payment routes without you lifting a finger."

"We are viewing COCA as a bridge where total financial sovereignty meets the effortless intelligence of an AI-driven future."

"First of all this is Web2-first UX and UI. No crypto-native terminology, simple neo-bank experience which is familiar to users outside Web3."

"Tools and products which are necessary to the Web2 audience and don't require any specific blockchain knowledge — including bank or card-to-card transfers, higher than traditional banks interest on customer's balance without the need to stake or lock or something, intuitive AI help with managing your money."

"So, basically, crypto assets will become as any other fiat currency for Web2 customers, just one of the methods to pay, get paid or rewarded, or as an investment asset for a more proficient audience."

"Yes, we test deeper penetration into some new markets. We do it step by step right now."

"Yes. We've been actively working on this over the past few months. A formal affiliate program is already in progress, and we'll be ready to announce it publicly very soon."

"Exchange planned for Q2."

"Yes. Should be back soon. We will introduce many new cryptocurrencies and blockchains for Banking top-up."

Confirmed — POL withdrawal noted alongside the upcoming chain expansion in Q2.

"We are packed with updates in May/July. The next updates are focused exactly on non-crypto experience and more features for great everyday utility. Also a few infrastructure updates which will help users enjoy their right to privacy even more."

"We are working on this. If you've faced any issue just submit a ticket and the team will explore. It will help us polish everything."

"Cross-chain DAO voting will be relaunched in Q2 for all Tier members. The tiers will impact the voting power."

"We are always working on fee efficiency. There is full sponsorship for on-chain fees for the Banking Section."

"We understand this and we hear you all. The team is working on additional Curve updates."

"I do not think a single feature will help. We are committed to build a great banking experience people will love. So make the UX/UI and features so addictive and convenient to use that you will prefer COCA over other products which give a slightly better cashback."

"COCA is now heavily utility focused and we plan to stick to this approach. We plan to introduce more utility which you can get through $COCA later this year. Also DAO voting by tier holders will play a big role in the future of the token and the project."

Noted alongside the larger chain expansion in Q2 — many new cryptocurrencies and blockchains for Banking top-ups.

"Haven't tried it, but will check and talk to the Wirex Team."