COCA Loyalty Program Terms and Conditions
 

Effective Date: September 1, 2025

Last Updated: September 1, 2026

Transition Note: All eligible rewards earned in August 2026 automatically transition into the new claiming system on September 1, 2026.

Prior T&C: Looking for terms effective prior to September 1, 2026? View the Previous Loyalty Terms & Conditions here.

By participating in the COCA Loyalty Program (“Program”), you agree to the following Terms and Conditions:

1. Eligibility and Product Availability

1.1 General Eligibility

• The Program is open to all users who have successfully registered and verified their COCA Account.

• Each participant must be at least 18 years of age.
  

1.2 COCA Card Availability

The COCA card and its associated rewards are available to residents of the following countries (regardless of nationality):

• Europe: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom.

• Asia / Oceania / Middle East: Australia, Azerbaijan, Georgia, Hong Kong, Indonesia, Israel, Japan, Kazakhstan, Macao, Malaysia, New Zealand, Oman, Philippines, Saudi Arabia, South Korea, Taiwan, Thailand, Turkey, United Arab Emirates, Uzbekistan, Vietnam.

• Africa: Ghana, Kenya, Nigeria, South Africa, Uganda.

• South America: Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru.

1.3  Banking Services Availability

Opening EUR bank accounts is currently available only to users who have updated to COCA version 3.0.0 or higher and are residents of the following countries (regardless of nationality):

• Europe: 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, United Kingdom.

2. Loyalty Tiers and Requirements

Loyalty tiers provide users with different scope of benefits and rewards depending on the user's tier and the amount of COCA token staked.

For the purpose of this Section 2, “rewards” do not include APY rewards covered by a separate section below.

2.1 Definitions of the terms

• Total rewards: The total value of not yet claimed (pending plus claimable) rewards earned by the user across all eligible categories (cashback, referrals, rebates, campaigns) since August 2026. The amount of rewards you can earn is unlimited.

• Pending Rewards: Rewards earned within the last 14 calendar days undergoing verification for potential refunds, cancellations, or anti-fraud checks. Pending rewards cannot be claimed yet.

• Claimable Rewards: Rewards that have successfully completed the 14-day pending period and are available for immediate claim into a USD or EUR account.

• Monthly Claim Capacity: The maximum USD-denominated value of rewards a user is permitted to claim into their USD or EUR account within a single calendar month, calculated based on Tier Bonus + Stake Bonus. Monthly claim capacity covers all the rewards of the user except for APY on USD balance covered by a separate section below.

2.2 Tiers and Requirements

*Standard Claim Capacity figures assume non-discounted base staking amounts.

**All APY figures referenced in these terms are variable and subject to market conditions. As of the last update of these terms, APY on USD balances is 5%. EUR balances do not earn APY.

2.3 Monthly Claim Capacity

• Monthly Claim Capacity is calculated as: Monthly Claim Capacity = Tier Bonus + Actual COCA staked/100

  • If a Tier was acquired under a promotional staking discount, the Stake Bonus reflects only the actual amount of COCA staked. For example, qualifying for Premium+ with a 30% discount requires staking 7,000 $COCA. The Monthly Claim Capacity is $110/month ($40 Tier Bonus + $70 Stake Bonus), rather than the standard $140/month.

• Capacity Boosting & Auto-Upgrades. Users may stake additional COCA beyond their tier requirement to increase their monthly claim capacity ($1 added capacity per 100 COCA staked). If additional staking reaches the requirement of a higher Tier, the account will automatically upgrade to that higher Tier and unlock its associated perks (Feature rolling out during September 2026).

• Rewards which were not claimed in the current month carries over to the next month and can be claimed subject to monthly claim capacity and other rules.
  
  

2.4 Default Tier Assignment

• All new users automatically start with the Starter tier upon account creation

• No COCA staking is required for Starter tier benefits

• Users can begin earning 1% cashback on payments with COCA Card, and 5% APY on their USD banking balance immediately.
  
  

2.5 Tier Upgrades

• To upgrade the tier, users need to stake the required amount of COCA tokens as specified in the tier requirements table above.

• Users upgrade their tier by selecting the upgrade option within the COCA app. Upon confirmation, the system automatically stakes the necessary amount of COCA tokens from the user's COCA crypto wallet to meet the new tier requirement. 

• If upgrading from an existing staked tier, only the additional COCA amount required for the higher tier will be staked.

• Tier upgrades and higher tier benefits typically take effect within a few minutes upon successful staking.

• Users can upgrade to any higher available tier by meeting the corresponding staking requirement

• Tier upgrades are not available during the 30 days cooldown period which happens after tier cancellation described in Section 2.3 below.
  
  

2.6 Tier Cancellation Process

• Users may cancel their tier at any time 

• Upon cancellation, users will revert to the default Starter tier.  

• 30 days cooldown period applied: 

  • After cancelling a tier, users must wait 30 days before they can upgrade to the same or higher tier again or increase their claim capacity.

  • Once the 30-day cooldown period ends, users must claim their COCA tokens by tapping the Claim button in the tier management section to instantly return them to their COCA crypto wallet.

  • During the cooldown period, users retain their current tier benefits and claim capacity.

  • This mechanism is designed to ensure fair use and prevent short-term tier manipulation.

2.7 Staking Requirements

• Staked COCA tokens are locked for the duration of your tier membership, including additional COCA staked for increasing claim capacity.

• Staking COCA tokens does not earn APY on COCA staked - staking is solely required to access tier-specific benefits.

• COCA tokens can only be unstaked after cancelling your tier and completing the mandatory 30-day cooldown period. Once the cooldown period ends, users must claim their COCA tokens by tapping the Claim button in the tier management section to instantly return them to their COCA crypto wallet.

• Partial unstaking of COCA tokens is not permitted. To access your staked tokens, including those staked for increasing claim capacity, you must cancel your entire tier, which returns all staked COCA and downgrades you to Starter tier.

3. Claiming Rewards and Expiration

3.1 Reward Verification & Pending Status

• Eligible rewards include card spending cashback, subscription rebates, physical card rebates, referral bonuses, and promotional campaign rewards. Yield earned via APY on USD operates under separate product terms and is not classified as a claimable loyalty reward.

• All earned rewards enter a Pending status for 14 calendar days from the timestamp of the eligible transaction or trigger.

• If a transaction is refunded, cancelled, or flagged for fraudulent activity, COCA reserves the right to deduct the corresponding reward amount from the user's pending or claimable reward balance.
  
  

3.2 Claiming Rewards & Expiration

• Rewards must be manually claimed within the COCA app. Users can select whether to receive payouts into their active USD or EUR account.

• Claims are restricted to 1 request per 24-hour period, with a minimum claim value of $1.00.

• Rewards are processed strictly on a First-In, First-Out basis; the oldest claimable rewards are disbursed first up to the user's available Monthly Claim Capacity.

• Unclaimed rewards expire 12 months after completing their 14-day pending period (becoming Claimable). Expired rewards are permanently burned.

3.3 Cashback Eligibility

Purchases qualifying for cashback:

• Only purchases made using a COCA virtual or physical card are eligible.

• Transactions must occur with merchants that accept Visa or Mastercard.

• Cashback applies only to eligible transactions and excludes those listed in Section 7 (“Ineligible Transactions for Cashback”).

• Cashback is awarded based on the user’s loyalty tier and monthly spending activity.

• There’s no limitations on the amount of payments which can earn cashback. 

3.4 Cashback Calculation and Payout

• Cashback is calculated based on the net value of the completed transaction (excluding fees, reversals, refunds and chargebacks).

• Cashback is credited in stablecoins (e.g.,USDC, EURC) to the user's self-controlled accounts (self-custodial banking balance in USD or EUR). COCA may, at its discretion, credit cashback to the user's crypto wallet or another eligible destination within COCA.

3.5 Subscription Cashback (50% Rebate Program)
COCA offers a 50% cashback rebate on eligible subscriptions, subject to the user’s active loyalty tier and the rules below. Subscription Cashback is limited by tier, category, and price caps and is designed to reward genuine usage while preventing abuse.

3.5.1 Subscription Cashback Entitlement by Tier

Each loyalty tier allows cashback on a fixed number of subscriptions per calendar month, with each subscription belonging to a different category.

A user may receive 50% cashback on one (1) subscription per category, up to the maximum number of categories permitted by their tier.

• 50% subscription cashback may vary by jurisdiction and may not be available in certain countries. Users can contact COCA Support for jurisdiction-specific eligibility.

• No other subscription services are eligible for the 50% rebate unless expressly added by COCA and communicated through official channels.

• COCA may add or remove eligible subscriptions or categories at its discretion and will communicate changes via official channels.

3.5.2 How Subscription Rebate Is Applied (“User Choice” Rule)

• Subscription Rebate is applied automatically to the first eligible subscription payment settled in each eligible category per calendar month. 

• Users effectively choose which subscription receives the 50% rebate by ensuring that the preferred subscription is the first paid within its category during the month.

• Any additional subscriptions within the same category during the same calendar month are not eligible for the 50% Subscription Rebate and instead earn cashback at the user’s standard tier rate.

• Example: You are on a tier that allows 50% subscription cashback for Streaming and AI Assistants (one subscription per category per month).

  • In the Streaming category, you pay for Netflix first and YouTube later in the same month.
    → Netflix receives 50% cashback; YouTube earns standard tier cashback.

  • In the AI Assistants category, Cursor is charged before ChatGPT.
    → Cursor receives 50% cashback; ChatGPT earns standard tier cashback.

3.5.3 Subscription Price Limitation (USD $70 Cap)

• To qualify for the 50% subscription rebate:

  • The subscription charge must be USD $70.00 or less (or local equivalent).

  • Any portion of a subscription charge above $70.00 is not eligible for the 50% subscription rebate.

  • Transactions above $70.00 may still earn cashback based on the user’s tier, unless excluded under Section 7.

• The $70.00 limit applies per subscription, per category, per calendar month.

3.5.4 Purpose of Subscription Limitations

These subscription rules and caps are implemented to:

• ensure fairness for all members of the COCA community

• maintain sustainable and predictable reward distribution

• protect loyal COCA users from fraudulent or abusive behavior.

COCA is committed to protecting genuine users and preventing exploitation of the Loyalty Program.

4. Passive Income (APY Rewards)

4.1 Real-Time APY on USD Banking Balances

• Rates: 5% APY is earned on USD banking balances up to the specified tier cap. A rate of 2% APY may be applied to any amount exceeding the cap.

• Accrual and Claim: APY rewards are earned in real time and are credited to the user's banking balance only upon a manual claim. The claim option becomes available once accrued earnings reach a minimum of $1.00 USD.

• Liquidity: Banking balances remain fully liquid and accessible for payments and transfers at all times. No staking or balance lock-up is required to earn APY rewards.

4.2 Variable Rates and Currencies

• Variable Nature: All APY figures referenced in these terms are variable and subject to change based on market conditions.

• Current Rate: As of the latest update to these terms, the target APY for USD banking balances is 5%.

• EUR Balances: Passive income is currently only available for USD balances. EUR banking balances do not earn APY rewards.

5. Hotel Booking Discounts 

• Users can access exclusive hotel deals through the COCA Travel feature, with discounts of up to 50% on standard rates.

• Offers are subject to availability, and blackout dates may apply.

6. Asset Support and Funding

For users utilising COCA version 3.0 and above, the account architecture transitions to a unified banking balance within your personal, self-controlled USD and EUR accounts.

• COCA provides a unified banking balance within personal, self-custodial USD and EUR accounts. Funding is available via multiple channels, including SEPA bank transfers and digital asset (stablecoin) deposits.

• Once funds are credited to the banking account, they are normalised into a spendable balance. This balance is universally available for card payments, bank transfers, real-time interest accrual, and other account services, regardless of the original funding method.

• When funding self-controlled accounts via stablecoins, users are strictly responsible for ensuring deposits are made using supported stablecoins on compatible blockchains as specified within the application’s deposit interface.

• Transactions sent via unsupported networks or involving unsupported assets are technically irreversible and may result in the permanent loss of funds. COCA is not liable for funds sent to incorrect crypto addresses or via incompatible networks.

7. Ineligible Transactions for Cashback & Exclusions

7.1 General Rules

Cashback rewards will not be issued for the following transaction types:

• Cash-related transactions: ATM withdrawals, cash advances, quasi-cash reloads, money orders, traveller’s cheques or other quasi-cash transactions, including through PayPal or similar services.

• Cryptocurrency purchases: Direct purchases of crypto assets using the COCA card.

• Gambling and betting transactions: Includes casino payments, online gambling, lottery tickets, and other wagering-related expenses.

• Government or judicial payments: Taxes, fines, alimony, child support, or court-related fees.

• Refunded or cancelled transactions: Transactions that are reversed, disputed, or refunded.

• Professional services and timeshares: Includes legal consulting, business services, and time-share purchases.

• Transaction manipulation: Transactions deemed to simulate or manipulate legitimate purchases.

• Excluded Merchant Category Codes (MCCs): Transactions with the following Merchant Category Codes (MCCs) are ineligible. This includes, but is not limited to:
  
  

• 4304      Service code of visa

• 4829      Money Orders Wire Transfer

• 5292      Service code of visa

• 5295      Service code of visa

• 5415       Service code of visa

• 6010       Financial Institutions Manual Cash Disbursements

• 6011       Financial Institutions Manual Cash Disbursements

• 6012       Financial Institutions, Merchandise and Services

• 6022       Financial Institution (RCL Internal)

• 6023       State Banks (RCL Internal)

• 6025       National Banks (RCL Internal)

• 6026       National Banks Non-Federal (RCL Internal)

• 6028       Unincorporated Private Banks (RCL Internal)

• 6050       Financial institutions - quasi-cache

• 6051       Non-Financial Institutions Foreign Currency, Money Orders (not wire transfer) and Travellers Cheques

• 6211        Security Brokers/Dealers

• 6529        Remote Stored Value Load - Member Financial Institution

• 6530        Remote Stored Value Load

• 6531        Payment Service Provider – Money Transfer

• 6532        Money Transfer - Financial Institution

• 6534        Money Transfer - Financial Institution

• 6535        Claims on Values - Financial Institutions

• 6536        MasterCard MoneySend

• 6537        MasterCard MoneySend

• 6538        MasterCard MoneySend Funding

• 6539        Transaction on financing (excluding MoneySend)

• 6540        Transactions on financing POI (except MoneySend)

• 6611        Overpayment (down payments)

• 6760        Bonds of Savings Loan

• 7012        Time-share

• 7399        Business Services - Not Elsewhere Classified

• 8664        Service code of visa

• 8999        Professional Services–Not Elsewhere Classified

• 9034        I-Purchasing Pilot

• 9211        Judicial payments, including alimony and child support

• 9222        Fines

• 9223        Payments on bonds and bonds

• 9311        Tax payments

• 9399       Government services - nowhere else classified

• 9401        I-Purchasing Pilot

• 9402       Postal services (government only)

• 9405       Government procurement - only government

• 9411        Payments on the state loan

• 9700       Automated Referral Service (VISA only)

• 9701       Credentials validation service Visa (VISA only)

• 9702       Emergency services (GCAS) (VISA only)

• 9950       Service code of visa

• 9999       Service code of visa

COCA may update this list without notice. Users are advised to consult Customer Support for the most current exclusions.

7.2 Transactions via PayPal, Alipay, and Similar Services

The following transactions are strictly ineligible for cashback, including tier-based cashback and subscription rebates:

• Any transactions processed through PayPal, Alipay, WeChat Pay, Wise, Revolut, Skrill, Neteller, Cash App, Venmo, or any comparable payment intermediary, digital wallet, or money transfer service.

• Payments that involve wallet top-ups, fund transfers, peer-to-peer transactions, self-payments, or any mechanism that simulates a commercial purchase while effectively transferring funds to the user or another individual.

• Transactions routed through these services where COCA cannot reliably identify the underlying merchant of goods or services.

7.3 Eligible Transactions via Curve

Effective from April 1, 2026.

Payments made via Curve are eligible for cashback under the following conditions:

• Tier-Specific Rates:

  • Premium+ and Elite Tiers: Users are eligible for cashback at the rates designated for their respective tier.

  • All Other Tiers: Users are eligible for a flat 1% cashback on all qualifying Curve transactions.

• All other rules of the COCA Loyalty Program, limits of subscription prices to be rebated, and others apply to Curve transactions in their entirety.

• Cashback for Curve transactions will only be granted provided that:

  • The underlying purchase made through the Curve would independently qualify for cashback under these Terms if made directly with a COCA card;

  • The original Merchant Category Code (MCC) and merchant identity are preserved and clearly identifiable in the transaction metadata passed to COCA;

  • The transaction is not otherwise excluded under Section 7 (e.g., it is not an ATM withdrawal, gambling, or a prohibited financial service) or any other related provisions of these Terms.

This rule is implemented to ensure that cashback is issued only for legitimate merchant purchases and to protect the COCA Loyalty Program from abuse, rewards manipulation, and disguised fund transfers.

8. Fraud and Abuse

• COCA reserves the right to withhold, reverse, or cancel rewards in cases of suspected fraudulent activity, misuse, or violation of these Terms & Conditions.

• This includes, but is not limited to, the use of fake identities, bots, or manipulations.

• COCA may suspend or terminate participation in the Program without notice if abuse is detected.

9. Modifications and Termination

COCA may modify, suspend, or terminate the Loyalty Program at any time and for any reason.

• Any changes will be communicated via the COCA app, website, or official support channels.

• Continued participation following a change constitutes acceptance of the revised terms.

10. General Terms

• The Program is non-transferable and has no monetary value outside the COCA platform.

• COCA’s decisions regarding eligibility, reward issuance, and interpretation of terms are final and binding.

• Users are solely responsible for reporting and paying any applicable taxes or legal obligations resulting from participation in the Program.

• Time-limited promotional benefits, if any, are governed by the Appendix.

APPENDIX

COCA Card Limits

COCA imposes certain limits on its services to ensure compliance with regulatory requirements and enhance security. Here is a summary of the current COCA Card limits:

• Max purchase amount per transaction: 30 000 EUR

• Max purchase amount per day: 30 000 EUR

• Max purchase amount per month: 30 000 EUR

• Max purchase amount per 3 months: 75 000 EUR

• Max purchase amount per 6 months: 100 000 EUR

• Max purchase count per day: Unlimited for Visa cards 

• Max cash withdrawal amount per day: 850 EUR

• Max cash withdrawal amount per month: 5 000 EUR

• Max cash withdrawal count per day: 5

Active Promotions

COCA GTA VI PRE-ORDER CASHBACK PROMOTION
TERMS & CONDITIONS

Effective June 27, 2026

1. Promotion Period

This Promotion runs from 00:01 CET Saturday, June 27, 2026 to 23:59 CET Sunday, June 28, 2026 ("Promotion Period"). Only purchases authorized within this window qualify. COCA may extend, shorten, or end the Promotion at any time.

2. Eligible Purchases

Applies only to bona-fide personal GTA VI pre-orders made directly via PlayStation Store or Xbox Store using a COCA Card. Purchases via Steam, resellers, third-party marketplaces, gift cards, or prepaid codes are not eligible.

3. Rewards

All eligible users — new and existing — receive 30% cashback, paid in USD or EUR (user's choice), on their qualifying GTA VI pre-order. 

4. Per-User Cap

Cashback under this Promotion is capped based on a maximum eligible transaction value of $100 per user, regardless of tier or transaction count. Cashback is calculated only on the eligible amount up to this cap; any portion of the purchase price above $100 does not earn
promotional cashback.

5. Continued Activity Requirement

To receive the Promotional cashback, users must remain active on their COCA Card between the date of their qualifying GTA VI purchase and July 9, 2026. "Active" means completing at least three (3) separate card transactions, with at least three (3) different merchants, totaling a minimum of $50, excluding the GTA VI purchase itself. Users who do not meet this requirement by the payout date (July 10) are not eligible for the Promotional cashback, regardless of having made a qualifying GTA VI purchase.  

6. Cashback Display at Purchase

At the time of purchase, the COCA app will display cashback based on the user's standard loyalty tier rate (e.g., 1%, 5%, 6%, or 8%, depending on tier) — not the Promotional rate described in Section 3. This is expected and does not indicate an error. The Promotional cashback (30%) is calculated and applied manually by COCA after the Promotion Period ends, and is paid out instead of any standard tier cashback according to use’s tier. Users do not need to take any action or contact Support regarding the displayed amount at checkout. 

7. Payout

Cashback is paid in USD or EUR to the user's COCA Card by the 10th of July, 2026 (the standard payout date each month). The estimated cashback shown at purchase is informational only.

8. Exclusions & Anti-Abuse

• One Promotion redemption per person; one Card Account per person.

• Duplicate accounts, fake identities, or coordinated/circular transactions are prohibited and will result in forfeiture of all rewards.

• Transactions later cancelled, refunded, or charged back forfeit associated cashback; COCA may debit the Card Account to recover funds already paid.

• "Elegible user" status is determined by COCA based on registration date, KYC, device, and behavioral data; COCA's determination is final.

• Bulk, commercial, or reseller pre-orders are excluded.

• COCA reserves the right to withhold or reclaim rewards from any account showing signs of farming, multi-accounting, or transaction manipulation.

9. General

• This Promotion supplements, and is governed by, COCA's existing Loyalty Program Terms and Refer-a-Friend Terms where not in conflict.

• COCA's interpretation of these Terms is final and binding.

• Not affiliated with, sponsored by, or endorsed by Rockstar Games or Take-Two Interactive. GTA VI is a trademark of its respective owner.

• COCA may modify, suspend, or terminate this Promotion at any time.