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Borrow and send in one step

1

Choose who to send to

A family member’s Matocard, picked from your contacts.
2

Enter the amount

In rupiah, for example Rp 800,000. The app shows the AUSD figure at a rate locked for 60 seconds, and checks it fits your available credit.
3

Confirm

The money is drawn from your credit line straight to their account. It settles in under a second, and their phone shows it right away.
Send to family screen (placeholder)

Send to family in the Matocard app. Placeholder until the app ships.

This opens a cycle: you now owe that amount, interest-free, due in 30 days. Settling it on time is what raises your score. See Settle.

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Send what you already hold

AUSD already in your account (for example, money someone sent you) can be sent on to anyone, without borrowing. You only sign; Matocard submits it and pays the network fee. Up to 50 sends per day.

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What your family does

They open Matocard, see the money, and cash out to their Indonesian bank in rupiah, or keep it in AUSD.