COCA is a good Idea but there is room to improve. Currently cards are not compatible with Google Pay to pay contactless in physical stores. There is no SEPA-Instant onramp with an own IBAN. And for paying gas fees for Crypto transactions there should be a "gas tank" where you can deposit USDC for example to pay on all chains. And very iportant: An API-Connection or/and CSV-File for Crypto tax reports on Koinly and other crypto tax software.
