COCA shipped version 3.11.0 of its app, and the change cardholders will notice first is a cheaper way to fund the card. In a November 2 post on X, the non-custodial card app said users can now top up with USDC on the Base network at zero fees and a 1:1 rate. The same release surfaces pending cashback on the home screen, moves withdrawal fees into the Card Limits view, and collapses payments and transfers into a single swipe-to-confirm step.
A new funding route through Base
The headline is the USDC rail. Loading USDC from Base now credits the COCA Visa card balance one-for-one with no top-up fee, according to COCA's post. Base is Coinbase's low-cost Ethereum layer-2, so the on-chain gas to move USDC there is a few cents rather than the dollars a mainnet transfer can cost. For a card that holds balances as stablecoins, that makes Base one of the lowest-friction ways to get money onto the card.
One caveat sits inside the same announcement. COCA flagged a new USDC (Base) deposit address and told users to send only to the one shown in the app. A copied or bookmarked address from an earlier version could route funds to the wrong place, and an on-chain transfer to a stale address is not reversible. Anyone who saved their old top-up address should refresh it before the next deposit.
Two visibility changes that matter for rewards
The zero-fee rail is the loud part. The quieter changes are about transparency. Pending cashback and rewards now show on the home screen, which lines up with how COCA pays: rewards clear after a 14-day pending period, and until now users had to dig to see what was still maturing. Putting that figure on the first screen makes the wait legible.
Withdrawal fees have also moved into the Card Limits section. COCA meters how much reward value can leave an account each month through a Monthly Claim Capacity that is shared across cashback, rebates, and referrals, so knowing the fee alongside those limits tells users the real cost of pulling funds out before they try.
The card itself stays the same
The rest of 3.11.0 is plumbing. A unified swipe-to-confirm now covers all payments and transfers, transaction status appears right after confirmation, and the history view loads faster with refunds included. COCA listed the usual bug fixes and stability work on top.
None of this alters the card itself. COCA remains a non-custodial Visa issued through Wirex, with balances held in a Privy smart wallet rather than on an exchange and no foreign exchange markup on spend. The zero-fee claim applies to the top-up step, not to the whole journey: once you spend, the transaction still runs through standard card-network economics, so the headline number is about getting money onto the card cheaply, not a promise that every swipe is free.
Overview
COCA released app version 3.11.0 on November 2, confirmed in a post on X. The practical change for COCA cardholders is a zero-fee USDC top-up on Base at a 1:1 rate, backed by a new in-app deposit address users must adopt. The release also puts pending cashback on the home screen and lists withdrawal fees inside Card Limits, both aimed at making the reward and withdrawal mechanics easier to read. The underlying card, a non-custodial Visa via Wirex with 0% FX, is unchanged.
