1
Sign up and verify once
A passkey (fingerprint or Face ID) creates the account; there is no password and no seed phrase. An ID check binds one person to one account, so a defaulter cannot start over with a new one. See Verify your identity.
2
Top up
Pay by card, online banking or QR, in ringgit or rupiah. The money becomes collateral, held as shares of a yield vault, so it grows while it sits there. See Top up.
3
Spend or send
Draw against your limit, for example straight to your family’s Matocard in Indonesia. Borrowing is interest-free. See Send money home.
4
Settle on time, get more
Repay the whole amount before the due date. Each qualifying cycle raises your score, and a higher score needs less collateral per unit of credit, so your limit rises. See Settle.
The numbers
With 150 AUSD of collateral and no yield:
These figures come straight from the contract on Monad testnet. The formula is in Credit score.
Who does what
The full picture is in Architecture and the Trust model.