Updated September 29, 2026 · HodlCue Editorial Team
COCA Card vs Kraken Staking
COCA Card
Kraken Staking
Higher score in this comparison
What sets them apart
| Compare | COCA CardReviewVisitVisit | Kraken StakingReviewVisitVisit |
|---|---|---|
| Yield | 5% | 0.1% to 21%Higher |
| Supported assets | Bitcoin, Ethereum, Solana | ATOM, SCRT, KSM, DYM, FLOW, MON, KAVA, XTZ, INJ, GRT, AVAX, TIA, NEAR, SOL, SEI, TRX, POL, DOT, ETH, HYPE, SUI, BNB, BTC, ADA, MINA, TAO, FLOWH, AKT, ALGO, APT, CELO, CSPR, CTC, CTSI, DASH, DCR |
| Lock-up terms | No lockups | None for flexible (unstake any time); bonded has a lock-in period (e.g. 21D for ATOM) |
| Custody | Self custody | Custodial |
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Key differences
- Kraken Staking scores higher overall: 9.7 vs 9.4.
- Yield is higher at Kraken Staking: 0.1% to 21% vs 5%.
- Supported assets: only COCA Card offers Bitcoin, Ethereum, Solana.
- Supported assets: only Kraken Staking offers ATOM, SCRT, KSM.
- Support channels: only Kraken Staking offers Phone.
- Features: only COCA Card offers Crypto, Virtual card, Self custody.
- Features: only Kraken Staking offers Liquid staking.
Our verdict on each
COCA Card
COCA Card suits crypto holders who want their balance to earn while they spend, rather than traders chasing exchange rebates. The monthly fee of €0, a currency conversion fee of 0% and cashback of 8% make everyday use cheap, though help centre and community is thin for anyone who wants to call.
Kraken Staking
Kraken Staking suits holders who want to earn on proof-of-stake coins without handling their own keys, with rates running 0.1% to 21%. Flexible staking has no lock-in, liquid staking is listed, and Payward Europe Solutions Limited is licensed by the Central Bank of Ireland MiCA CASP 9845003D98SCC2851458.
Score breakdown
| Area | COCA Card | Kraken Staking |
|---|---|---|
| Cost | 9.4Monthly fee of €0 and currency conversion fee of 0%, plus $250 in free ATM withdrawals. | Not confirmed |
| Offer | 9.5HigherCashback of 8% and a balance yield of 5% across Bitcoin, Ethereum and Solana, plus a recovery-service backup option. | 9.2 |
| Trust | Not confirmed | 10.0 |
Licences and countries
| Country | COCA Card | Kraken Staking |
|---|---|---|
| Austria | Not confirmed | Austrian Financial Market Authority (FMA) MiCA CASP 5299005V5GBSN2A4C303 |
| Bermuda | Not confirmed | |
| Ireland | Not confirmed | Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458 |
| United States | Not confirmed |
What we checked
COCA Card
- coca.xyz: 4 facts, checked September 26, 2026
- docs.coca.xyz: 4 facts, checked September 26, 2026
Kraken Staking
- kraken.com: 6 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
How they place
| Ranking | COCA Card | Kraken Staking |
|---|---|---|
| Crypto staking and earn | 1 of 179 | 6 of 179 |
Every fact side by side
| Fact | COCA Card | Kraken Staking |
|---|---|---|
| Features | Crypto, Virtual card, Self custody, Travel | Liquid staking |
| Legal entity | CCA Labs - FZCO | Payward Europe Solutions Limited |
| Headquarters | United Arab Emirates | Ireland |
| Founded | Not confirmed | 2011 |
| Support channels | Help centre, Community | Help centre, Phone, CommunityCovers more |
Crypto wallets
| Fact | COCA Card | Kraken Staking |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | $0 to $5 | Not confirmed |
| Backup options | Recovery service | Not confirmed |
Where each stands against the rest
| Fact | COCA Card | Kraken Staking | Median |
|---|---|---|---|
| Yield | 5%lowest quarter | 0.1% to 21%highest quarter | 8% |
Median across 69 listed providers.
Pros and cons
COCA Card
Pros
- A monthly fee of €0 and a currency conversion fee of 0% make the card cheap to hold and to spend abroad.
- Cashback of 8% pays on card spend, and a balance yield of 5% pays on top of it.
- Custody is self custody, so keys stay with the account holder rather than a third party.
Cons
- Support runs on help centre and community only, so there is no direct line for account problems.
- Coverage is limited to Bitcoin, Ethereum and Solana, a small list next to rivals.
- Free ATM withdrawals of $250 sit below the median of €0 across the brands listed here.
Kraken Staking
Pros
- Flexible staking has no lock-in, while bonded staking adds one, so you choose how quickly you can exit.
- A long supported list, ATOM, SCRT and KSM, puts major assets and newer layer-one coins in one account.
- Support runs through help centre, phone and community, so a phone line sits alongside the help centre and the community.
Cons
- Custody is custodial, custodial: the exchange holds the staked coins, so every staked position depends on one operator.
- Lock-up terms differ by plan: flexible staking has none, while bonded staking carries a lock-in period, so a quick exit depends on the plan.
- Rates run 0.1% to 21%, a wide spread, so a headline figure says little about what a given coin pays.
Who each suits
COCA Card
Who it suits
- Crypto holders who already keep funds in self-custody and want a card attached to that balance
- Anyone who spends in several currencies and wants a currency conversion fee of 0%
- Savers who want a yield of 5% on a balance they can still spend
Who should look elsewhere
- Travelers who need a large free ATM allowance, where Wise is a better fit
- People who want to reach a person quickly, since Wise offers more support channels
- Buyers who need a long list of assets, where this card covers Bitcoin, Ethereum and Solana only
Kraken Staking
Who it suits
- Holders of coins in ATOM, SCRT and KSM who want a steady return without moving keys off the exchange they already use.
- Long-term holders comfortable leaving staked coins in custodial form, custodial, and letting the exchange run the validator side.
- EU customers who want a staking product from an operator licensed by the Central Bank of Ireland, MiCA CASP 9845003D98SCC2851458, and in Austria.
Who should look elsewhere
- Not for people who want to hold their own keys, since custody is custodial, custodial. VaultLeap is a different route, built around USDC outside an exchange.
- Not for anyone chasing the highest end of the rate range who would rather have a tighter band, where Bit2Me, 0.5% to 19.2%, may suit better.
- bunq Crypto Spain fits those who want a euro bank account alongside a stated return of 8.25% rather than a long staking list.
Current offers
Country by country
| Country | COCA Card | Kraken Staking |
|---|---|---|
| Andorra | Yes | No |
| Argentina | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Chile | Yes | No |
8 of 52 countries where either is available.
Questions about each
COCA Card
Is there a monthly fee for the COCA Card?+
No. The banking account behind the card carries a monthly fee of €0, so holding it costs nothing each month. Currency conversion is charged at 0%, and card spend earns cashback of 8%. The account is a mobile wallet, so there is no separate software to buy or download.
What is the cashback rate and what does it pay on?+
Card spend earns cashback of 8%. That sits on top of a balance yield of 5%, so the money can earn while it is held and still be spent through the card. Lock-up terms are No lockups, so the balance can be moved or withdrawn without waiting out a term.
Kraken Staking
What yield does Kraken Staking pay?+
The listed rates run 0.1% to 21% across the supported coins, with the higher figures attached to a smaller group of assets. Because the range is wide, it is worth checking the number for the coin you actually hold rather than reading the top as typical.
Which coins can I stake?+
The supported list is long: ATOM, SCRT and KSM. Major assets sit alongside liquid-staking and layer-one tokens, so a portfolio can be spread across chains rather than concentrated in one. Availability depends on the coin, and each carries its own rate, which is why the 0.1% to 21% range is so wide.