> ## 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.

# FAQ

> Short answers to common questions.

<AccordionGroup>
  <Accordion title="Is this a loan with interest?">
    No. Borrowing is interest-free. The protocol earns 20% of the yield your collateral makes, and that pays lenders for their risk.
  </Accordion>

  <Accordion title="Why do I need to deposit money to borrow?">
    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.
  </Accordion>

  <Accordion title="Is my deposit safe?">
    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](/learn/risks).
  </Accordion>

  <Accordion title="Do I need crypto or a wallet?">
    No. You sign up with a passkey, pay in ringgit or rupiah, and cash out to a bank. Matocard pays the network fees.
  </Accordion>

  <Accordion title="What is AUSD?">
    A US dollar stablecoin issued by Agora. Matocard keeps everything in AUSD so your collateral and your debt are in the same currency.
  </Accordion>

  <Accordion title="Who can see my record?">
    Anyone with the link sees your score and cycle history. Nobody sees your name, documents, balances or who you sent money to.
  </Accordion>

  <Accordion title="Can I have two accounts?">
    No. One verified identity binds to one account, permanently. That is what makes the score worth something.
  </Accordion>

  <Accordion title="What happens if I miss the due date?">
    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.
  </Accordion>

  <Accordion title="Is there a physical card?">
    Not yet. The card in the app is visual; issuing a real card needs a licensed issuer, which is on the [roadmap](/overview/roadmap).
  </Accordion>

  <Accordion title="Is real money involved?">
    Not today. Matocard runs on Monad testnet with payments in test mode.
  </Accordion>
</AccordionGroup>


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