Fees and limits - Matocard

Fees


Interest on what you borrow	None
Fee to draw, send or repay	None
Network (gas) fees	Paid by Matocard. Each verified account receives 0.5 MON once; sends and cash-outs are submitted by the relayer
Yield fee	20% of the yield your collateral earns, kept by the protocol for lenders. Charged when collateral next changes
Exchange rate	The quoted rate, locked for 60 seconds. Top-ups and cash-outs round down, settlements round up, to the smallest unit

On testnet the rate comes from public ECB reference rates. In production it will be the payment partner’s rate, shown before you confirm.

Limits

Limit	Value
Smallest top-up	RM 5.00, or Rp 10,000
Smallest cash-out	Rp 10,000
Top-ups credited per account per day	1,000 AUSD
Top-ups credited across all accounts per day	20,000 AUSD
Sends per account per day	50
A quoted rate is valid for	60 seconds
A sign-in session lasts at most	7 days

Credit terms

	Testnet	Production
Repayment term	30 days	30 days
Grace period after the due date	3 days	3 days
Shortest cycle that counts toward the score	60 seconds	7 days
Smallest use of the limit that counts	10%	10%
Card hold	60 seconds	7 days
Collateral ratio	150% at score 0, down to 80% at score 100	Same

Testnet values are short so a full cycle can be shown in a demo. See Parameters.