Refer a Friend Campaign

Terms & Conditions

Effective: May 1, 2026

Last Updated: October 26, 2026

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 $20 for each successfully referred friend.

• Friend Bonus: Each friend receives $10 upon successful completion of all qualifying steps.

• Currency: Rewards are credited to a USD or EUR account, based on the account settings.

3. Who Can Participate?

Referrers (Inviters):

• Must be a registered COCA user and have completed KYC verification.

• 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.

4. Qualifying Actions

For a referral to be considered successful, the Friend must meet all of the following criteria within 30 days of registering in the COCA app:

• Card Order: The Friend must order a COCA card (virtual or physical).

• Spend Requirement: The Friend must spend a cumulative total of at least $100 using their COCA card.

• Transaction Volume & Merchant Diversity: The Friend must complete at least 3 separate card payments, each at a different merchant. Transactions at the same merchant do not count toward the 3-transaction requirement.

Example: A Friend registering on May 1 must order a card, spend $100 cumulative across at least 3 different merchants, and complete their 3rd qualifying transaction by May 31 (30-day window).

5. How and When Are Rewards Paid?

• Reward Crediting: Rewards are automatically credited to the Referrer’s and Friend’s COCA balances in USD or EUR, according to their account currency settings, once the Friend completes all qualifying steps.
• Reward Availability: Rewards can be claimed 14 days after they are credited.
• Monthly Claim Capacity: The Monthly Claim Capacity automatically increases as needed to allow users to claim their full referral rewards.
• Reward Withdrawal: Rewards cannot be converted into or withdrawn as fiat cash outside the COCA app.
• Account Deletion: If a user deletes their COCA account, all pending or previously issued referral rewards are permanently forfeited.

6. How to Refer Friends

You can track your existing referrals, qualifying progress, and pending rewards in real-time under the Rewards section in the COCA app.

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

• Tap “Invite Friends” or “Copy Link” and share your unique referral link with friends.

• Track your referrals, qualifying progress, and pending rewards in real time inside the COCA app.

7. Referral Rules

• You will only earn one reward per friend, regardless of the number of referral links shared.

• Eligible purchases are defined in COCA’s Loyalty Program Terms (excludes ATM withdrawals, gift card purchases, gambling transactions, P2P transfers, and other excluded categories).

8. What’s Not Allowed (Abuse & Fraud Policy)

COCA takes referral integrity seriously. The following behaviours are strictly prohibited and may result in immediate disqualification, forfeiture of all rewards, and account suspension:

• No Spamming: Referral links must be shared only with genuine personal acquaintances. Mass distribution via public forums, paid advertising, or unsolicited messaging is prohibited.

• Referral Abuse: Any form of cheating, fraud, multi-accounting, or rule-breaking — including the use of fake identities, self-referrals, or creating duplicate accounts — will result in disqualification and forfeiture of all rewards.

• Activity-Based Abuse: COCA prohibits “referral farming” where users complete the minimum qualifying spend with no genuine intent to continue using the service.

• Coordinated Activity: If COCA determines that a Referrer and/or Friend are acting in a coordinated manner to artificially trigger rewards (e.g., circular payments, splitting and re-spending the same funds, or artificial transactions between connected accounts), COCA reserves the right to disqualify both parties and withhold all rewards.

• Reward Clawback: If a referred Friend closes their COCA account within 60 days of reward payout, COCA reserves the right to reverse the Referrer’s bonus. This measure is in place to protect against abuse and ensure genuine user acquisition.

• Referral Ring Detection: COCA actively monitors for referral rings, where users refer each other in a circular or coordinated network (e.g., User A refers User B, User B refers User C, User C refers User A). If COCA determines that a group of users have participated in such a pattern, all accounts in the network will be immediately disqualified, all pending and previously issued rewards will be forfeited, and accounts may be permanently suspended.

• Chargebacks on Qualifying Transactions: Qualifying transactions that are subsequently reversed, disputed, or charged back are retroactively excluded from the $100 spend requirement and the 3-transaction count. If a referral reward has already been issued and qualifying transactions are later reversed or charged back, COCA reserves the right to reverse the reward in full or recover it through an adjustment to future reward payouts, cashback earnings, or referral bonuses. Repeated chargebacks may result in disqualification from the programme and account suspension.

• Final Decision: COCA’s assessment of genuine activity is final and may be based on transaction patterns, device intelligence, behavioural signals, and any other data COCA deems relevant.

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 and communicated via the COCA app, website, or official support channels.

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.