COCA, a self-custodial banking application available in more than 75 countries, has integrated Aurora Intents to simplify stablecoin deposits across multiple blockchain networks. Built by Aurora Labs and powered by NEAR Intents, the integration allows users to deposit supported stablecoins from numerous networks into a single reusable COCA address without manually selecting a destination blockchain. Aurora Labs also develops Aurora, an Ethereum-compatible blockchain built within the NEAR ecosystem.

The move is designed to reduce one of the more complicated parts of using digital assets: moving funds between blockchain networks before they can be spent. Users can now deposit supported USDC and USDT from more than a dozen networks, while also buying or selling COCA tokens directly within the app without using an external cryptocurrency exchange. USDC and USDT are the two largest stablecoins by market capitalization, and the supported networks include Ethereum, the largest venue for USDC liquidity, and Tron, one of the biggest networks for USDT circulation.

Aurora Intents enables COCA users to deposit stablecoins from multiple blockchain networks through a simplified funding process, removing the need for manual network selection and cross-chain transfers.

In-app COCA trading removes external exchange requirement

The integration also changes how users can obtain COCA tokens through the platform’s Loyalty Program. Previously, users who wanted to acquire COCA tokens had to create an account with an outside exchange, buy the tokens, and manually transfer them to their COCA application.

The new system brings that process into the COCA app. Users can purchase COCA tokens directly using their existing USD balance, while users who already hold the token in an external wallet can send it directly to the application.

COCA said the change is intended to reduce the number of steps involved in obtaining and using the token. It also removes the need for users to maintain an account on a separate exchange solely to acquire COCA.

Stablecoin support expands across major networks

COCA’s expanded deposit infrastructure supports USDC across NEAR, Ethereum, Arbitrum, Base, Solana, Gnosis, Polygon, Optimism, Avalanche, Sui, Stellar, Monad and X Layer.

USDT deposits are supported through NEAR, Ethereum, Tron, Solana, Gnosis, Polygon, Optimism, Avalanche, TON and Scroll.

Aurora Intents handles cross-chain execution and settlement in the background. Users do not need to determine which blockchain their stablecoins are currently held on or manage separate bridge interfaces and network-specific transactions. Intent-based systems operate by letting users express a desired outcome — funds arriving at a single address — while the executing infrastructure routes and settles the transfer.

The approach reflects the growing use of chain abstraction in consumer-facing financial applications. Chain abstraction allows users to interact with digital assets without needing to understand the underlying blockchain infrastructure. For consumers, the model can reduce the risk of sending funds through an incompatible network, an error that can potentially result in permanent asset loss. It also takes users out of directly operating cross-chain bridges, which have been among the most frequently exploited components in decentralized finance, with industry trackers attributing billions of dollars in losses to bridge hacks.

COCA targets a banking-like crypto experience

COCA combines self-custody with conventional financial services, allowing users to retain control of their funds while accessing features designed for everyday spending and saving.

The application offers a Visa card that can be used for stablecoin and fiat purchases wherever Visa is accepted. It also provides a EUR IBAN, transfers, real-time annual percentage yield on eligible USD, USDC and USDT balances, cashback and subscription-related rewards. The rollout comes as stablecoin rules have become clearer in COCA’s key markets: the EU’s Markets in Crypto-Assets regulation took full effect in December 2024, and the U.S. GENIUS Act, signed into law in July 2025, established a federal framework for payment stablecoins. Clearer rules have coincided with a broader push by payment and fintech companies to build consumer products around dollar-pegged tokens.

According to COCA CEO Vasili Paulau, the integration addresses a usability issue because most consumers are primarily concerned with accessing and spending their money rather than understanding which blockchain holds their assets. He said reducing technical decisions during funding could help build greater user confidence.

Does Aurora Intents support real-time cross-chain payments on @coca_card ? Declan breaks down what actually happens between depositing crypto and the card being ready to spend. pic.twitter.com/hBbaUreToj — Aurora (@auroraisnear) August 17, 2026

Aurora CEO Declan Hannon gave a similar assessment, describing the challenge as primarily a user-experience issue rather than a limitation of blockchain technology. He said COCA demonstrates how cross-chain infrastructure can operate in the background while presenting consumers with an experience closer to traditional banking.

By hiding cross-chain routing and network-specific complexity, the integration is designed to make stablecoin funding more accessible while reducing potential errors for consumers.

Self-custody remains central to the platform

The integration builds on COCA’s existing card and banking infrastructure and its broader effort to combine cryptocurrency ownership with familiar financial services.

The company said its platform is designed to allow users to spend stablecoins and fiat through its card while retaining self-custody of their assets. The platform also includes stablecoin cashback of up to 8% and real-time yield features on eligible card balances.

The expansion marks another step toward chain-agnostic consumer finance, where users can interact with stablecoins across multiple networks without needing to understand the underlying blockchain infrastructure. The practical test ahead is how reliably the single-address deposit flow performs across the 13 supported networks at scale, and whether other consumer-facing crypto applications adopt similar intent-based funding flows — an indicator of whether chain abstraction is becoming a default design choice for consumer finance products.

The partnership with Aurora Intents could help COCA reduce technical barriers around deposits and token transactions while expanding the practical use of stablecoins for everyday financial activity.