> ## 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.

# Fees and limits

> What Matocard charges, and the limits that keep the system safe.

## 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 |

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

## 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](/resources/parameters).


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