> ## 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.
# Introduction
> A credit line that grows with how you pay, and a credit record that crosses borders with you.
Matocard runs on **Monad testnet** and is being built for [Monad Metropolis](https://monad.xyz/developers/hackathons/metropolis), Track 02: Consumer Products & Payments. Payments run in test mode; no real money moves.
## 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.
When cash runs short before payday, what is left are predatory online lenders and loan sharks.
## 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.
Top up by card or bank transfer. The money becomes collateral and earns yield while it sits there.
Each cycle repaid on time raises your score, and the score lowers the collateral needed: from 150% for a new account down to 80%.
Borrow straight to your family's Matocard. It arrives in under a second, and they can cash out to their bank in rupiah.
Your score and history live on Monad. Anyone can verify them, nobody can edit them, and they still count when you move home.
No crypto wallet, no seed phrase, no gas to buy. You sign up with your fingerprint or Face ID, and the blockchain stays out of sight.
## Who these docs are for
How to sign up, top up, send money home, settle and read your record.
How the credit line, the score, the collateral and the trust model work.
The API, the contracts, the indexer, and how to run it all locally.
## At a glance
| | |
| - | - |
| Network | Monad testnet (chain `10143`) |
| Unit of account | [AUSD](https://www.agora.finance) by Agora, a US dollar stablecoin |
| Money in | Ringgit (FPX, DuitNow QR, cards) and rupiah (virtual accounts, QRIS, cards) through Xendit |
| Money out | Rupiah to Indonesian banks through Xendit |
| Identity | Didit: ID document and selfie, one identity per account |
| Interest | None. The protocol keeps 20% of the yield your collateral earns |
| Status | Contracts, backend and indexer live on testnet; the app is in progress |
The four steps, from sign-up to a higher limit.
This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.