Matocard runs on Monad testnet and is being built for Monad Metropolis, Track 02: Consumer Products & Payments. Payments run in test mode; no real money moves.
matocard.xyz
The problem
Millions of Indonesians work abroad, and Malaysia is one of the largest destinations. A worker like Siti, 29, in Kuala Lumpur, sends money to her mother in Yogyakarta every month. She has a debit card and a phone. What she does not have is a credit history:- Not in Malaysia. She is a foreign worker with no local record, so banks treat her as a stranger.
- Not in Indonesia either. She left before she ever borrowed.
- And it would not travel. A record built with a Malaysian bank stays with that bank, in that country, when she moves home.
The solution
Matocard is an interest-free credit line backed by your own savings, whose limit grows every time you settle on time, and whose record lives on a public blockchain that you own.Deposit once, borrow against it
Top up by card or bank transfer. The money becomes collateral and earns yield while it sits there.
Settle on time, get more
Each cycle repaid on time raises your score, and the score lowers the collateral needed: from 150% for a new account down to 80%.
Send home instantly
Borrow straight to your family’s Matocard. It arrives in under a second, and they can cash out to their bank in rupiah.
A record that moves with you
Your score and history live on Monad. Anyone can verify them, nobody can edit them, and they still count when you move home.
Who these docs are for
Users
How to sign up, top up, send money home, settle and read your record.
Curious minds
How the credit line, the score, the collateral and the trust model work.
Developers
The API, the contracts, the indexer, and how to run it all locally.
At a glance
Start with how it works
The four steps, from sign-up to a higher limit.