> ## Documentation Index > Fetch the complete documentation index at: https://docs.matocard.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Anyone's public credit record > The page someone back home opens to check a record (`/verify` in the app). ## OpenAPI ````yaml https://api.matocard.xyz/openapi.json get /verify/{wallet} openapi: 3.1.0 info: title: Matocard API version: 1.0.0 description: >- The backend the app calls. Served at `/docs` (this page) and `/openapi.json`. Guides, concepts and the contracts are in the docs: https://docs.matocard.xyz **Amounts** are decimal strings in the currency's smallest unit, never floats: AUSD has 6 decimals (`"1000000"` = 1 AUSD), IDR has none (`"50000"` = Rp 50,000), MYR is in sen. Format them with `formatAmount` from `@matocard/core`. **Signing in.** No passwords: the account's key (the Mera passkey account) signs once, and the app sends the result on every signed route as `Authorization: Matocard ..` where `until` is a unix time at most 7 days ahead and `signature` is `personal_sign` (viem `signMessage`) of exactly: ``` Sign in to Matocard until ``` The first signed call creates the user. To try a signed route here, press **Authorize** and paste the whole header value, `Matocard 0x….…`. **Errors** are `{ "error": "…" }` with a 4xx status and a message the app may show. 500 is `something went wrong` and is logged on the server. **Signed transfers (ERC-3009).** `/sends` and `/cashouts` take an AUSD `TransferWithAuthorization` the user signed, so the relayer pays the gas. EIP-712 domain on Monad testnet: `name: "Agora Dollar"`, `version: "1"`, `chainId: 10143`, `verifyingContract: 0xa9012a055bd4e0eDfF8Ce09f960291C09D5322dC`. Types: `TransferWithAuthorization(address from, address to, uint256 value, uint256 validAfter, uint256 validBefore, bytes32 nonce)`. Use a random 32-byte `nonce` per transfer. **Money in.** Top-ups and settlements return a Xendit `checkoutUrl`; open it, and the backend credits the contract when Xendit reports the payment. Poll `GET /me` (or `/me/activity`, whose `inFlight` lists payments not onchain yet) to see it land. **Which currency:** ask for a `USD/MYR` quote when `user.country` is `MY` (ringgit through Xendit Malaysia: FPX, DuitNow QR, Malaysian cards), otherwise `USD/IDR` (rupiah through Xendit Indonesia: virtual accounts, QRIS, cards). Cash-outs are always `USD/IDR`. In test mode nothing is charged: FPX and DuitNow pages have a button to succeed, and the Indonesian virtual account numbers are not real, so never transfer to them (pick one and ask the backend owner to simulate it), or pay with a Xendit test card. A card top-up shows in `collateral.pendingShares` until its hold ends (about a minute on testnet); virtual accounts, QRIS, FPX and DuitNow count at once. **Done in the app, not here:** `draw(amount, to)` (borrow, straight to anyone's wallet), `repay` / `repayWithPermit` (pay back in AUSD), `repayFromCollateral(amount)` (pay back out of collateral) and `withdrawCollateral` are the user's own transactions on the `MatoCreditLine` contract (`0x4D6279c3DD0369e788C33b3aE1297D4E9abbd01a`), paid with the MON the backend drips after KYC. Send each with `gas: gasLimits.` from `@matocard/contracts`: Monad charges the gas limit, so a fixed limit is cheaper than a padded estimate. servers: - url: https://api.matocard.xyz description: VPS, Monad testnet, Xendit and Didit in test mode - url: http://127.0.0.1:3000 description: local docker compose security: [] tags: - name: Public - name: Account description: Signed in - name: Money description: >- Signed in; top-ups and sends also need the account verified onchain (`verified` in `GET /me`) - name: Webhooks description: Called by Xendit and Didit, not by the app paths: /verify/{wallet}: get: tags: - Public summary: Anyone's public credit record description: >- The page someone back home opens to check a record (`/verify` in the app). parameters: - name: wallet in: path required: true schema: $ref: '#/components/schemas/Address' responses: '200': description: The record content: application/json: schema: $ref: '#/components/schemas/Verify' '404': description: Not an address content: application/json: schema: $ref: '#/components/schemas/Error' security: [] components: schemas: Address: type: string pattern: ^0x[0-9a-fA-F]{40}$ examples: - '0xC0519BE562f0De7E32e9A48e50AdecBAde605aAD' Verify: type: object description: 'The public record: no name, no document' properties: account: $ref: '#/components/schemas/Address' verified: type: boolean score: $ref: '#/components/schemas/Amount' ratioBps: $ref: '#/components/schemas/Amount' cycles: 58951e20-0fbb-4860-bc4a-22a417a001e5 defaulted: type: boolean history: type: - object - 'null' description: From the indexer; null when it is down properties: score: type: string cycleCount: type: integer repayCount: type: integer cyclesOpened: type: integer defaulted: type: boolean verifiedAt: type: - string - 'null' firstSeenAt: type: string cycles: type: array items: type: object properties: number: type: integer outcome: type: string examples: - Qualified openedAt: type: string closedAt: type: - string - 'null' peakDrawn: type: string totalRepaid: type: string scoreAfter: type: - string - 'null' openTxHash: type: string closeTxHash: type: - string - 'null' indexer: type: string enum: - ok - unavailable Error: type: object required: - error properties: error: type: string examples: - verify your identity first Amount: type: string pattern: ^[0-9]+$ description: Smallest unit of its currency examples: - '1000000' ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.