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A top-up is money you put in. It becomes collateral: it stays yours, it earns yield, and it sets how much you can borrow.
1

Enter an amount

In your local currency: at least RM 5 or Rp 10,000. The app shows what it will be in AUSD at a rate locked for 60 seconds.
2

Pick how to pay

FPX online banking, DuitNow QR, or a debit or credit card.
3

Pay on the checkout page

Matocard opens Xendit’s secure checkout. When you finish, you come back to the app.
4

Watch it land

Your collateral and limit update within seconds of the payment.
Top-up screen (placeholder)

Top-up in the Matocard app. Placeholder until the app ships.

The checkout you pay on:
Xendit checkout in ringgit

Xendit Malaysia checkout for a RM 50 top-up, test mode.

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When it counts toward your limit

The hold protects against a card payment being reversed after you have borrowed against it. See Card hold.
On testnet nothing is charged. FPX and DuitNow test pages have a button to succeed. Never transfer real money to a test virtual account number.

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Your collateral grows

Collateral is held as shares of a yield vault, so its value rises over time and your limit rises with it, even before your score changes. The protocol keeps 20% of that yield. See Collateral and yield.