# Matocard

> A credit line that grows with how you pay, and a credit record that crosses borders with you. Built on Monad.

- [Introduction](https://docs.matocard.xyz/index.md): A credit line that grows with how you pay, and a credit record that crosses borders with you.
- [Why onchain](https://docs.matocard.xyz/overview/why-onchain.md): A credit record that no single bank or country owns.
- [How it works](https://docs.matocard.xyz/overview/how-it-works.md): Four steps, from sign-up to a higher limit.
- [User flow](https://docs.matocard.xyz/overview/user-flow.md): Siti in Kuala Lumpur, her mother in Yogyakarta, end to end.
- [What's supported](https://docs.matocard.xyz/overview/supported.md): Networks, currencies, payment methods and providers.
- [Fees and limits](https://docs.matocard.xyz/overview/fees-and-limits.md): What Matocard charges, and the limits that keep the system safe.
- [Create an account](https://docs.matocard.xyz/guides/create-account.md): Sign up with your fingerprint or Face ID. No password, no seed phrase.
- [Verify your identity](https://docs.matocard.xyz/guides/verify-identity.md): One ID check, once. It is what makes your record mean something.
- [Top up](https://docs.matocard.xyz/guides/top-up.md): Add savings that become collateral and earn yield.
- [Send money home](https://docs.matocard.xyz/guides/send-money.md): Borrow straight to your family, or send what you already hold.
- [Cash out](https://docs.matocard.xyz/guides/cash-out.md): Turn AUSD into rupiah in an Indonesian bank account.
- [Settle](https://docs.matocard.xyz/guides/settle.md): Repay before the due date to close the cycle and raise your score.
- [Your credit record](https://docs.matocard.xyz/guides/credit-record.md): A public page anyone can check, with nothing personal on it.
- [Roadmap](https://docs.matocard.xyz/overview/roadmap.md): Where Matocard is, and where it goes next.
- [FAQ](https://docs.matocard.xyz/overview/faq.md): Short answers to common questions.
- [The credit line](https://docs.matocard.xyz/learn/credit-line.md): Collateral in, credit out, cycles that build a record.
- [Credit score](https://docs.matocard.xyz/learn/credit-score.md): 0 to 100, computed by the contract, recomputable by hand.
- [Collateral and yield](https://docs.matocard.xyz/learn/collateral-and-yield.md): Your deposit is held as yield-vault shares, so it grows.
- [Defaults](https://docs.matocard.xyz/learn/defaults.md): What happens when a cycle is not repaid in time.
- [Payment gateway](https://docs.matocard.xyz/learn/payment-gateway.md): How ringgit and rupiah become AUSD, and back.
- [Card hold](https://docs.matocard.xyz/learn/card-hold.md): Why card top-ups wait before they count, and who decides.
- [Exchange rates](https://docs.matocard.xyz/learn/fx.md): Rates only matter at the edges, and they are locked per quote.
- [Identity (KYC)](https://docs.matocard.xyz/learn/kyc.md): One verified person, one account, with nothing personal onchain.
- [Lender pool](https://docs.matocard.xyz/learn/lender-pool.md): Who funds the credit, what they earn, and what they risk.
- [Trust model](https://docs.matocard.xyz/learn/trust-model.md): What you have to trust, who you trust, and what bounds it.
- [Risks](https://docs.matocard.xyz/learn/risks.md): What can go wrong, and who carries it.
- [Security](https://docs.matocard.xyz/learn/security.md): How the contracts and the backend were checked.
- [Architecture](https://docs.matocard.xyz/developers/architecture.md): The app, one backend process, one contract, one indexer.
- [Quickstart](https://docs.matocard.xyz/developers/quickstart.md): Sign in and read a home screen from the live API in five minutes.
- [Authentication](https://docs.matocard.xyz/developers/authentication.md): A signed message, no passwords, no cookies.
- [Amounts and quotes](https://docs.matocard.xyz/developers/amounts-and-quotes.md): Strings in the smallest unit, and a fresh quote for every conversion.
- [Payments](https://docs.matocard.xyz/developers/payments.md): Top-ups, settlements and cash-outs through Xendit.
- [KYC integration](https://docs.matocard.xyz/developers/kyc-integration.md): Verify an account with Didit and wait for it onchain.
- [Gasless sends](https://docs.matocard.xyz/developers/gasless-sends.md): Send AUSD with one signature; the relayer pays the gas.
- [Contract calls](https://docs.matocard.xyz/developers/contract-calls.md): What the app sends to the credit line itself.
- [Indexer](https://docs.matocard.xyz/developers/indexer.md): Envio HyperIndex over the credit line: history, records, daily totals.
- [Operations](https://docs.matocard.xyz/developers/operations.md): The relayer, reconciliation and health checks.
- [Run locally](https://docs.matocard.xyz/developers/run-locally.md): The contracts, the backend and a local chain on your machine.
- [Server and database are up](https://docs.matocard.xyz/api-reference/public/server-and-database-are-up.md)
- [Lock an exchange rate for 60 seconds](https://docs.matocard.xyz/api-reference/public/lock-an-exchange-rate-for-60-seconds.md): Every top-up, settlement and cash-out needs a fresh quote id. Top-ups and settlements take `USD/IDR` (paid in rupiah, Indonesian channels) or `USD/MYR` (paid in ringgit: FPX, DuitNow, Malaysian cards); the pair picks the currency. Cash-outs take `USD/IDR` only.
- [Anyone's public credit record](https://docs.matocard.xyz/api-reference/public/anyones-public-credit-record.md): The page someone back home opens to check a record (`/verify` in the app).
- [Home screen](https://docs.matocard.xyz/api-reference/account/home-screen.md)
- [Set where the user lives (onboarding)](https://docs.matocard.xyz/api-reference/account/set-where-the-user-lives-onboarding.md): ISO 3166-1 alpha-2, uppercase. Shown back as `user.country` in `GET /me`. Can be changed any time.
- [History, plus money not onchain yet](https://docs.matocard.xyz/api-reference/account/history-plus-money-not-onchain-yet.md): `activity` is the last 100 onchain events, newest first. If the indexer is down, `activity` is empty and `indexer` is `unavailable`; the rest of the app keeps working.
- [Start identity verification](https://docs.matocard.xyz/api-reference/account/start-identity-verification.md): Open `url` (Didit). When Didit approves, the backend marks the account verified onchain and drips MON for fees; `GET /me` then shows `kyc: approved` and `verified: true`. Didit sends the user back to `https://app.matocard.xyz/?verificationSessionId=…&status=Approved`; poll `GET /me` for `verified` r…
- [Add collateral by paying in IDR or MYR](https://docs.matocard.xyz/api-reference/money/add-collateral-by-paying-in-idr-or-myr.md): The quote's pair picks the currency. `amount` is in its smallest unit: whole rupiah (at least 10000) for `USD/IDR`, sen (at least 500, RM 5) for `USD/MYR`. `method` is what the user picked, but the hold follows how they actually paid: virtual account, QRIS, FPX and DuitNow count at once, cards and e…
- [Pay the whole debt in IDR or MYR](https://docs.matocard.xyz/api-reference/money/pay-the-whole-debt-in-idr-or-myr.md): Charges `drawn` converted at the quote, rounded up, in the quote's currency. Once paid, the backend repays the contract for the user, which closes the cycle and moves the score.
- [Send AUSD to anyone, gas paid by the relayer](https://docs.matocard.xyz/api-reference/money/send-ausd-to-anyone-gas-paid-by-the-relayer.md): The sender signs an ERC-3009 transfer from their wallet to the recipient; the backend submits it and answers once it is mined. At most 50 per account per day. A reused nonce answers 400 with the contract's error.
- [AUSD to IDR in a bank account](https://docs.matocard.xyz/api-reference/money/ausd-to-idr-in-a-bank-account.md): The user signs an ERC-3009 transfer of `value` AUSD **to the treasury** `0xcf330A7E5D4eae35250f00B4af96eBcf38347Df1`, valid for at least 5 more minutes. The backend takes the AUSD, then Xendit pays the IDR (at least Rp 10,000) to the bank. The answer comes at once; the payout shows in `/me/activity`…
- [Xendit: payments, refunds, disputes, payouts](https://docs.matocard.xyz/api-reference/webhooks/xendit:-payments-refunds-disputes-payouts.md): Checked with the `x-callback-token` header.
- [Didit: verification results](https://docs.matocard.xyz/api-reference/webhooks/didit:-verification-results.md): Checked with an HMAC of the raw body in `x-signature`.
- [Contract addresses](https://docs.matocard.xyz/resources/contracts.md): Monad testnet deployments. Always talk to the proxy.
- [Parameters](https://docs.matocard.xyz/resources/parameters.md): Every protocol parameter, on testnet and planned for production.
- [Glossary](https://docs.matocard.xyz/resources/glossary.md): The words these docs use.

## OpenAPI Specs

- [openapi](https://api.matocard.xyz/openapi.json)


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