> ## 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.
# Top up
> Add savings that become collateral and earn yield.
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.
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.
FPX online banking, DuitNow QR, or a debit or credit card.
Bank virtual account, QRIS, or a debit or credit card.
Matocard opens Xendit's secure checkout. When you finish, you come back to the app.
Your collateral and limit update within seconds of the payment.
The checkout you pay on:
## When it counts toward your limit
| Paid by | Counts |
| - | - |
| FPX, DuitNow, bank virtual account, QRIS | At once |
| Card or e-wallet | After the card hold: about a minute on testnet, 7 days planned for production. The app shows it as **on hold** until then |
The hold protects against a card payment being reversed after you have borrowed against it. See [Card hold](/learn/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.
## 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](/learn/collateral-and-yield).
This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.