> ## 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.

# Roadmap

> Where Matocard is, and where it goes next.

## Now: testnet (September – October 2026)

Built during Monad Metropolis.

* [x] Credit line contract: modular UUPS proxy, lender pool, collateral in a yield vault, card hold, one identity per account, score and limit, defaults. Verified on Monad testnet
* [x] Over 100 Foundry tests at 100% coverage, invariant tests, Slither in CI
* [x] Gasless sends (ERC-3009) and one-transaction repayments (permit)
* [x] Envio indexer: history, public record page, daily reconciliation
* [x] Backend live: KYC with Didit, payments with Xendit, relayer, API with Swagger
* [x] Ringgit in through Xendit Malaysia (FPX, DuitNow), rupiah in and out through Xendit Indonesia
* [x] Landing site at [matocard.xyz](https://matocard.xyz) and these docs at [docs.matocard.xyz](https://docs.matocard.xyz)
* [ ] Passkey app (PWA)
* [ ] User testing with at least five Indonesian workers in Malaysia and their families

## Next: mainnet

* **Real yield:** move collateral from the testnet mock to earnAUSD.
* **Issuer-side fiat:** Agora's Routes API to mint and redeem AUSD directly against fiat, removing Matocard's own treasury float.
* **Governance:** the admin key behind a multisig and a timelock long enough for users to repay and leave.
* **Third-party audit** of the contracts.
* **Licensed partners** for the card and the remittance legs.

## Later

* **A real card:** a physical and virtual card through a licensed issuer. Today the card number is visual only.
* **Passkey recovery:** rebind a verified identity to a new account after a waiting period.
* **A credit passport:** the record read directly by partner banks and other protocols.
* **More corridors** beyond Malaysia → Indonesia.
* **Native app and WhatsApp notifications.**
* **Collateral options:** rebalancing across vaults, collateral from other chains.

## Regulation

Credit and a card need a licensed bank or issuer. Remittance needs a Bank Indonesia licence and Malaysian approval. Crypto assets in Indonesia are supervised by OJK. The realistic path is licensed partners, or OJK's regulatory sandbox (POJK 3/2024). Matocard is a testnet product until then.


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