Card hold - Matocard

A card payment can be reversed by the cardholder’s bank weeks later. If a borrower could top up by card, borrow against it at once, and then charge it back, the lenders would lose the money.

The rule

Card and e-wallet top-ups go into pending collateral, which does not count toward the limit until pendingUntil.
Bank transfers, virtual accounts, QRIS, FPX and DuitNow count at once.

	Testnet	Production
`cardHold`	60 seconds	7 days

Who decides the hold

The contract. The relayer only says how the user paid (card or bank); the hold length is a contract parameter, so the relayer cannot shorten it. And the backend reads the method from the channel Xendit actually charged, so picking “bank” in the app and paying by card still gets the card hold. Anything unrecognised is treated as a card.

Chargebacks

When	Result
During the hold	`cancelPending` returns the pending shares to the treasury. Settled collateral can never be touched this way
After the hold	The operator absorbs the loss

After the hold, pending shares move into collateral automatically on the borrower’s next draw, or anyone can call settlePending.