COCA Refer-a-Friend Campaign – Terms & Conditions

Last Updated: December 23, 2025

1. What’s the Campaign About?

The COCA Refer-a-Friend Campaign rewards existing COCA users ("Referrers") when they invite new users ("Friends") to join COCA, order a COCA card, and make qualifying purchases. Both Referrers and Friends earn rewards based on the completion of specific milestones.

2. How the Rewards Work

• Referrer Bonus: Earn $30 for each of your first 5 friends. After the 5th friend, you earn the standard $10 per referral.

• Friend Bonus: Each friend receives $10 upon completion of the required steps.

• Currency: Rewards are credited in stablecoins (e.g., USDT, USDC, EURC).

3. Who Can Participate?

Referrers (Inviters):

• Must be an existing COCA user with an active COCA card (virtual or physical).

• Must share a unique referral link/code from the COCA app.

Friends (Invitees):

• Must be completely new to COCA (no previous registration or wallet).

• Must sign up using a valid referral link/code.

• The specific requirements for a Friend to qualify for rewards are determined by the date of completion of the qualifying actions, as detailed in Section 4.

4. Qualifying Actions & Transition Rules

The requirements to unlock a reward are determined by the date on which the Friend completes the qualifying spend. The date of registration does not restrict eligibility, but it does determine the 30-day window for the New Rules (para. 4(B)).

A. Completion BEFORE January 1, 2026 (Old Rules)

If a Friend completes their qualifying action on or before December 31, 2025 (11:59 PM UTC), the following requirements apply:

• Spend Requirement: A cumulative spend of at least $100 using their COCA card.

• Cutoff: If a Friend registered in 2025 fails to meet the $100 spend requirement by December 31, 2025 (11:59 PM UTC), they (and the Referrer) forfeit eligibility under these Old Rules. However, they remain eligible to earn rewards under the New Rules (para 4(B)), provided all requirements (including the 30-day window from registration) are met.

B. Completion FROM January 1, 2026 (New Rules):

To qualify from Jan 1, 2026 onwards, the Friend must meet these cumulative criteria:

• Spend Requirement: Must spend a cumulative total of $500 or more.

• Transaction Volume: Must complete at least 4 separate card payments.

• Time Limit: All actions must be completed within 30 days from the moment of the Friend's registration in the COCA app.

• Example: A friend registering on Jan 2 must complete their 4th payment and hit $500 in total spend by Feb 1.

Important Note: If a user registered more than 30 days prior to January 1, 2026, and did not meet the "Old Rules" (para. 4(A)) by Dec 31, 2025, they are immediately ineligible for rewards as their 30-day window for the "New Rules" has already expired.

5. How and When Are Rewards Paid?

• Rewards are credited to the user's COCA account (Wallet or Card).

• Rewards are credited on the 10th of the month following the Friend’s successful completion of all steps.

• Rewards cannot be exchanged for fiat cash outside the app.

• Account deletion voids rewards: If a user deletes their COCA account, all pending or previously issued referral rewards are permanently forfeited.

6. Referral Rules

• You can refer as many people as you like.

• You’ll only earn one reward per friend.

• Referrals must be genuine — self-referrals or fake accounts are prohibited.

• Eligible purchases are defined in COCA’s Loyalty Program Terms (excludes ATM withdrawals, gift card purchases, gambling transactions and others).

7. What’s Not Allowed (Abuse Policy)

• No Spamming: Links must be shared only with personal acquaintances.

• Referral abuse is prohibited: Any form of cheating, fraud, multi-accounting, or rule-breaking—such as using fake identities, self-referrals, or creating duplicate accounts—may result in disqualification and forfeiture of all rewards.

• Activity-Based Abuse: COCA prohibits "referral farming" where users complete the minimum qualifying action ($100 or $500) with no intent to continue using the service.

• Coordinated Activity: If COCA determines that a Referrer and/or Friend are acting in a coordinated manner to "game" the rewards (e.g., circular payments or artificial transactions), COCA reserves the right to disqualify both parties and withhold rewards.

• Final Decision: COCA’s assessment of genuine activity is final and may be based on transaction patterns, device intelligence, and behavioral signals.

8. How to Refer Friends

• Go to the Rewards tab of the COCA app and tap "Invite a Friend" banner.

• Click on Invite Friends or Copy Link buttons, and share your unique referral link with friends.

• Track your referrals and potential rewards inside the app.

9. Changes or Cancellation

COCA reserves the right to modify, suspend, or terminate this campaign at any time. Any changes to the requirements will be reflected in these Terms.

10. General Terms

• Participation constitutes full acceptance of these Terms, COCA’s Loyalty Program Terms, COCA’s Terms of Use, and Privacy Policy. COCA’s interpretation of these rules is final and binding.

• This campaign is governed by the laws of the jurisdiction in which COCA operates.

• Participants agree to indemnify and hold COCA harmless from any liability, loss, or damages resulting from participation in the campaign or violation of these terms.

? Examples:

• Scenario 1 (Old Rules - para. 4(A)):

  • Friend Registers: Dec 10, 2025

  • Action: Spends $100 on Dec 28, 2025.

  • Result: ✅ Success. The reward is triggered under the Old Rules because the requirement was met before the Jan 1 cutoff.

• Scenario 2 (The Transition to New Rules - para. 4(B)): 

  • Friend Registers: Dec 20, 2025

  • Action: Spends $50 on Jan 1, 2026.

  • Result: ⚠️ In Progress. They can no longer qualify with just $100. They now have until Jan 19 (30 days from registration) to reach $500 spend and 4 transactions.

• Scenario 3 (The Transition to New Rules - para. 4(B)): 

  • Friend Registers: Dec 20, 2025

  • Action: Spends $50 in December. On Jan 10, 2026, they reach a total of $500 spend and 4 transactions.

  • Result: ✅ Success. Since they didn't finish by Dec 31, they moved to New Rules. Because Jan 10 is within 30 days of their Dec 20 registration, they qualify for the reward.

• Scenario 4 (New Rules - para. 4(B)):

  • Friend Registers: Jan 5, 2026

  • Action: Spends $500 across 4 payments by Jan 25, 2026.

  • Result: ✅ Success. They met all New Rules criteria within the 30-day window.

• Scenario 5 (The 30-Day Expiry):

  • Friend Registers: Nov 15, 2025

  • Action: Spends nothing in 2025. On Jan 5, 2026, they spend $600 in 5 transactions.

Result: ❌ Ineligible. On Jan 1, they moved to New Rules. However, the New Rules require completion within 30 days of registration. Since their 30-day window expired on Dec 15, they can no longer qualify for a reward.