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London, UK, December 5, 2025:
COCA, the non-custodial crypto banking app, has officially activated its limited-time “Holiday Boost,” offering an industry-leading 10% APY on USDC, USDT, EURC, and EURS through December 31, 2025.
The promotion, which went live at 00:00 UTC today, raises the standard 6% yield to 10% for users who maintain a minimum $500 balance in eligible stablecoins and complete at least five transactions during the month.
Rewards will be calculated on the lowest daily balance in December and paid out automatically by January 10, 2026.
Key Takeaways
- The 10% APY Holiday Boost is live now and expires December 31, 2025 at 23:59 UTC.
- Only $500 minimum + 5 transactions required to qualify, no tier upgrades or lockups.
- Earnings are paid automatically by January 10, 2026; funds stay 100% liquid.
- Users can stack the boost with existing 8% cashback and 50% subscription rebates.
- Promotion limited to COCA Card holders (physical or virtual Visa card required.
Background on COCA and the Stablecoin Shift
Since its public launch in 2023 and the major 2.0 upgrade in September 2025, COCA has positioned itself as the bridge between decentralized finance and everyday spending.
The app combines a Visa debit card with a self-custodial multi-chain wallet secured by multi-party computation (MPC) technology, eliminating seed phrases while keeping users in full control of private keys.
The platform currently serves over one million registered users and reported $1.1 million in monthly revenue as of October 2025.
Its flagship features include up to 8% cashback in USDC on all card purchases, 50% subscription rebates on Netflix, Spotify, ChatGPT Plus, and Amazon Prime, and fee-free swaps across 15+ blockchains.
How the 10% APY Holiday Boost Works
- Eligible assets: USDC, USDT, EURC, EURS
- Minimum balance: $500 (tracked daily)
- Activity requirement: 5+ transactions (spends, withdrawals, or swaps) in December
- Yield applied to: Lowest daily balance throughout the month
- Lockup: None. Funds remain fully liquid and spendable via Visa worldwide
- Payout date: On or before January 10, 2026, in the same stablecoin
Unlike traditional staking programs, participants can continue using their balance for holiday shopping, travel bookings, or ATM withdrawals without forfeiting earnings.
Benefits and Strategic Edge for Stablecoin Holders
The timing aligns with peak holiday spending season, allowing users to earn high yield while deploying capital in the real world.
Industry observers note that 10% APY significantly outpaces both traditional high-yield savings accounts (currently ~4–5% in the U.S. and <1% in the Eurozone) and most centralized crypto lending platforms.
COCA maintains its perfect security record with zero reported hacks since inception, relying on biometric-enabled MPC wallets instead of conventional seed-phrase storage.
Conclusion
As stablecoin market capitalization surpasses $200 billion globally, COCA’s Holiday Boost underscores a broader industry shift: turning “parked” digital dollars and euros into active, yield-generating assets without sacrificing accessibility or security.
With less than four weeks remaining, the window to capture double-digit returns on fully liquid stablecoins is closing fast.
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FAQs:
1. When exactly does the COCA 10% APY promotion start and end?
It started today, December 5, 2025, at 00 UTC and ends December 31, 2025, at 23:59 UTC.
2. What is the minimum balance and activity needed to qualify for the 10% yield?
Keep at least $500 in USDC, USDT, EURC, or EURS every day in December and make at least five card transactions (spends, swaps, or withdrawals).
3. How is the 10% APY calculated and when do I get paid?
Yield is calculated daily on your lowest December balance and paid in full by January 10, 2026, directly to your COCA Card.
4. Do I have to lock or stake my stablecoins to earn the 10% APY?
No. Your funds remain completely liquid, spend, withdraw, or swap anytime without affecting eligibility.
5. Is the COCA wallet safe for holding stablecoins during this promotion?
COCA uses bank-grade MPC cryptography with biometric recovery and has maintained a 100% clean security record since 2023, with over one million users and zero successful exploits.
