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No. Borrowing is interest-free. The protocol earns 20% of the yield your collateral makes, and that pays lenders for their risk.
Because you have no credit history yet, and Matocard does not guess. Your deposit secures the first limit. Each cycle you settle on time lowers how much deposit you need: from 150% of the limit at the start, down to 80% for the best scores, where your limit is larger than your deposit.
It stays yours. It can only be taken if you default, and then only the part that covers the debt. It sits in a yield vault, which carries its own risk; see Risks.
No. You sign up with a passkey, pay in ringgit or rupiah, and cash out to a bank. Matocard pays the network fees.
A US dollar stablecoin issued by Agora. Matocard keeps everything in AUSD so your collateral and your debt are in the same currency.
Anyone with the link sees your score and cycle history. Nobody sees your name, documents, balances or who you sent money to.
No. One verified identity binds to one account, permanently. That is what makes the score worth something.
You have a 3-day grace period. After that the account can be defaulted: collateral worth the debt is taken, the rest stays yours, the default stays on your record, and the account cannot borrow again.
Not yet. The card in the app is visual; issuing a real card needs a licensed issuer, which is on the roadmap.
Not today. Matocard runs on Monad testnet with payments in test mode.