COCA
COCA is a crypto super app / debit card issued on Mastercard, rated 9.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
COCA is the strongest fit for all-rounder and AI subscriptions, and asks for no KYC at signup — we carry it at medium (non-custodial ERC-4337 smart wallets; cashback up to 8% requires staking up to 30,000 $COCA locked with a 30-day cooldown; claim capacity capped $15–$350/mo by tier) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | COCA · Crypto super app / debit card |
| Official site | https://www.coca.xyz |
| Best for | All-rounder · AI subscriptions |
| Network | Mastercard |
| Rating | 9.1/10 (4.5★, 341 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free virtual; physical $5–$20 (free at Premium tier and above) |
| Top-up (deposit) fee | 0% top-up ··· |
| FX / conversion fee | 0% |
Verification and risk
| KYC required | No (basic) / Yes (advanced) |
| Risk level | Medium ··· |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes ··· |
| Bank transfer | yes (SEPA / IBAN) |
| Alipay / WeChat Pay | Yes |
| Cards per account | Multiple |
Billing
| Billing address | Global |
| Billing country | 76+ countries ··· |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | yes ··· |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
| AI tools noted | ChatGPT / Claude / Midjourney |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 226055 | Mastercard | Multi-region | Debit | 229 | 164 | 71.6% |
We logged 164 cleared charges out of 229 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does COCA cost to run?
The cost lines stack like this: issuing the card is free; top-ups cost 0% top-up (SEPA/IBAN, debit/credit card, stablecoin deposit); ~0.5% crypto-to-fiat spread embedded in rate; conversion is priced at 0%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for COCA?
COCA is a no-KYC card, so the account opens without an ID check. Cards in that tier decline more often at strict merchants, which is the trade-off you are taking.
How can I fund COCA?
You can fund it with crypto (BTC, ETH, USDC, USDT; cashback paid in USDC/EURC; 5–6% APY on USD balance), bank transfer (SEPA / IBAN), Alipay or WeChat Pay. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does COCA need?
Setting it up: the billing address type is Global; cards are issued against 76+ countries (APAC, EEA, LATAM, UK, US-excluded, Global; 1M+ users); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does COCA work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will COCA trigger 3-D Secure?
Yes. COCA supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with COCA?
COCA allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.