COCA Card

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COCA Card scores 12 of 16 on the CBL Card Score. COCA, Visa. Self-custodial smart wallet; per-payment approval. Wirex infrastructure; issuer not named by COCA.

CBL Card Score: 12 of 16

Criterion	Points	What we found	Source
Custody	2 of 2	Self-custodial. The Banking Account "is actually a blockchain smart wallet that you control" and "All your funds are stored on the blockchain and controlled by you"; for a card payment the wallet "approves that specific amount for that specific payment" (official, docs.coca.xyz, where-is-my-money-stored, checked 20 Oct 2026). Privy stores and uses the wallet keys "in a distributed way", and COCA says it "Cannot freeze or take custody of your funds" (official, docs.coca.xyz, is-coca-safe). The wallet terms describe the card as a transfer of digital assets to a third-party linked smart contract wallet for use in a fiat payment system (official, terms, 4 Nov 2023). Where fiat sent to the IBAN sits before conversion is not stated.	official checked 20 October 2026
Issuer and licence	1 of 2	Not named on coca.xyz or in its docs (official, checked 20 Oct 2026). The launch release says the card is "powered by Wirex's card infrastructure" and that Wirex is a Visa and Mastercard principal member, without naming a licence (official, PR Newswire, 8 Jan 2024). Wirex Limited (FCA, UK) and UAB Wirex (EEA) are named as issuers only by third parties (third-party: SpendNode, 20 Sep 2026; CryptoCardHub, 2 Sep 2026). The Google Play package for the app is com.wirex.wallet (official, app link on coca.xyz).	official checked 20 October 2026
Availability	1 of 2	The docs list 52 residence countries in four groups: 29 EEA countries, six other European countries including the United Kingdom, ten Asia-Pacific countries and seven in Latin America (official, docs.coca.xyz banking-account overview, checked 20 Oct 2026). No Gulf country is on that list. The home page says cards are "currently available in the UK, EEA, Asia, South America, Middle East and Africa" (official, conflicting with the docs list). Third parties count 75 to 76 countries including the UAE (third-party: SpendNode, 20 Sep 2026; CryptoCardHub, 2 Sep 2026). The US is not served (official docs list; third-party: SpendNode). Scored on the official list.	official checked 20 October 2026
FX fee on a foreign-currency purchase	2 of 2	"Zero FX Fees on Direct Pairs" (official, docs.coca.xyz banking-account overview, checked 20 Oct 2026). The 2024 launch release says the card eliminates "monthly and foreign exchange charges" and the November 2024 release says "Zero FX Fees Worldwide" (official, PR Newswire, 8 Jan 2024 and 5 Nov 2024). What counts as a direct pair is not defined, and the conversion rate source is not published.	official checked 20 October 2026
Funding cost	1 of 2	Virtual card "free for all tiers". Plastic card "$5 for Starter, Standard & Standard+" and free from Premium up (official, docs.coca.xyz coca-card page, checked 20 Oct 2026). The overview page states "Zero Issue Fees" and "Zero Annual Fees" (official). Top-ups by SEPA or USD bank transfer to a personal IBAN, by another bank's debit or credit card, or by stablecoins on several chains; no top-up fee is published for any method (official, docs overview and IBAN pages). No conversion spread is published. A €50 initial top-up on physical card orders covers issuance and delivery with the rest credited as balance (third-party: CryptoCardHub, 2 Sep 2026). No monthly or inactivity fee published.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	"You can add the card to Apple Pay and Google Pay" (official, docs.coca.xyz coca-card page and banking overview, checked 20 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	In-app freeze is published: "you can freeze your card to protect against unauthorized transactions" and "Instant freeze controls" (official, docs overview and where-is-my-money-stored pages). 3D Secure on online purchases (official). The wallet terms contain no chargeback clause, dispute window, response time or complaints timeline; the only route is support@coca.xyz (official, terms, 4 Nov 2023). The cashback terms note that a refund or dispute after processing reverses the reward (third-party: CryptoCardHub, 2 Sep 2026).	official checked 20 October 2026
Yield on idle balance	2 of 2	"5% Balance APY" on the Banking Account balance with "No staking. No lockups", spendable and withdrawable at any time (official, docs.coca.xyz 5-balance-apy page, checked 20 Oct 2026). On the free Starter tier the rate is "up to 5%" on the first $5,000, then 2%; caps rise with staked COCA up to unlimited on Premium+ and Elite (official, docs membership page). Yield is sourced through Morpho with Gauntlet named for risk (official, is-coca-safe page). Rate described as "up to", so the base figure is not fixed.	official checked 20 October 2026

Total 12 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

12 of 16

First score

Standing

Company	CCA Labs FZCO, registered in Dubai Silicon Oasis, Dubai, UAE, registration DSO-FZCO-31557, trading as Coca (official, coca.xyz/terms, dated 4 Nov 2023). The site footer reads "© 2026 by ccalabs" (official). No financial licence or regulator is named for CCA Labs. The card runs on Wirex infrastructure under a partnership announced in a joint press release (official, PR Newswire, 8 Jan 2024). Third parties name Wirex Limited (FCA-regulated, UK) and UAB Wirex (EEA) as the card issuers (third-party: SpendNode, 20 Sep 2026).
Network	Visa (official, coca.xyz home page and docs, checked 20 Oct 2026). official
Rails	COCA names no issuer on its site; its launch release says the card runs on Wirex's card infrastructure, and third parties name Wirex Limited (UK) and UAB Wirex (EEA) as issuers (official and third-party). Crypto stays in the user's smart wallet, with a specific amount approved per payment; where fiat received on the IBAN is held before conversion is not published (official).
Website	www.coca.xyz
Health tag	Watch Funds stay in a user-controlled smart wallet, but COCA's own site names no card issuer or licence, the contracting entity is an unregulated Dubai free-zone company, the terms cap liability at 1% of fees paid, and the published country, ATM and tier facts conflict across COCA's pages (official).
Last checked	20 October 2026

When it goes wrong

In-app freeze is published: "you can freeze your card to protect against unauthorized transactions" and "Instant freeze controls" (official, docs overview and where-is-my-money-stored pages). 3D Secure on online purchases (official). The wallet terms contain no chargeback clause, dispute window, response time or complaints timeline; the only route is support@coca.xyz (official, terms, 4 Nov 2023). The cashback terms note that a refund or dispute after processing reverses the reward (third-party: CryptoCardHub, 2 Sep 2026).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"Zero FX Fees on Direct Pairs" (official, docs.coca.xyz banking-account overview, checked 20 Oct 2026). The 2024 launch release says the card eliminates "monthly and foreign exchange charges" and the November 2024 release says "Zero FX Fees Worldwide" (official, PR Newswire, 8 Jan 2024 and 5 Nov 2024). What counts as a direct pair is not defined, and the conversion rate source is not published. official
Funding	Virtual card "free for all tiers". Plastic card "$5 for Starter, Standard & Standard+" and free from Premium up (official, docs.coca.xyz coca-card page, checked 20 Oct 2026). The overview page states "Zero Issue Fees" and "Zero Annual Fees" (official). Top-ups by SEPA or USD bank transfer to a personal IBAN, by another bank's debit or credit card, or by stablecoins on several chains; no top-up fee is published for any method (official, docs overview and IBAN pages). No conversion spread is published. A €50 initial top-up on physical card orders covers issuance and delivery with the rest credited as balance (third-party: CryptoCardHub, 2 Sep 2026). No monthly or inactivity fee published. official
ATM	Free worldwide up to $250 a month, then 2% (official, docs coca-card page); the overview page and the 2024 launch release say $200 (official, conflicting). Limits: €850 a day, €5,000 a month, five withdrawals a day (official, docs coca-card page).
Tiers	Starter (0 COCA), Standard (300), Standard+ (1,000), Premium (3,000), Premium+ (10,000), Elite (30,000), set by COCA tokens staked (official, docs membership page).

Cashback, as of 20 Oct 2026

Paid in stablecoins. Starter 1% unlimited with no COCA staked; Standard 3% on the first $1,000 a month (300 COCA staked); Standard+ 4% on $1,750 (1,000 COCA); Premium 5% on $2,500 (3,000 COCA); Premium+ 6% on $5,000 (10,000 COCA); Elite 8% on $10,000 (30,000 COCA); 1% after each cap (official, docs membership page, checked 20 Oct 2026). Up to 50% back on subscriptions such as Netflix and Spotify, one to four subscriptions by tier (official, card-cashback page and docs). The cashback page says tiers run on COCA balance with no staking, while the docs say COCA is staked with a 30-day cooldown on exit (official, conflicting).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The docs list 52 residence countries in four groups: 29 EEA countries, six other European countries including the United Kingdom, ten Asia-Pacific countries and seven in Latin America (official, docs.coca.xyz banking-account overview, checked 20 Oct 2026). No Gulf country is on that list. The home page says cards are "currently available in the UK, EEA, Asia, South America, Middle East and Africa" (official, conflicting with the docs list). Third parties count 75 to 76 countries including the UAE (third-party: SpendNode, 20 Sep 2026; CryptoCardHub, 2 Sep 2026). The US is not served (official docs list; third-party: SpendNode). Scored on the official list. official

Identity checks: The docs say the card can be ordered "with a passport from almost any country" (official, banking overview). Identity verification with government ID, proof of address and a selfie, minimum age 18 (third-party: CryptoCardHub, 2 Sep 2026). The home page's "no KYC hassles" line refers to the wallet, not the card (official).

What we still need confirmed

Facts marked official come from COCA's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• Which Wirex entity issues the card in the EEA and the UK, with its licence number. Rescore issuer to 2 if COCA or Wirex publishes it. open
• Whether UAE residents can order the card today; the docs list omits the Gulf, third parties include it. Rescore availability to 2 if confirmed. open
• Stablecoin top-up and crypto-to-fiat conversion fee at the point of card settlement. Rescore funding to 0 if 1% or more, or to 2 if the $5 plastic card is dropped for Starter. open
• What "direct pairs" means for FX and the rate source used. Rescore fx to 1 or 0 if a markup applies to USD or AED purchases. open
• Cardholder terms from the issuer with a dispute window and response time. Rescore freeze to 2 if both are published. open
• Where fiat received on the IBAN is held before conversion, and under which safeguarding regime. open
• Tile colour taken from COCA's yellow brand mark; confirm against brand assets, which were not fetched. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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