The journey
1
Siti signs up
Fingerprint or Face ID creates her account. She picks Malaysia as where she lives.
2
She verifies her identity
A photo of her passport and a selfie, checked by Didit. Matocard then gives her account a little MON for network fees, invisibly.
3
She tops up RM 600
By debit card, FPX online banking or DuitNow QR. A card payment is held briefly against chargebacks; a bank or QR payment counts at once.
4
Her home screen
Collateral 150.00 AUSD (≈ RM 600), score 0, ratio 150%, available credit 100.00 AUSD (≈ RM 400), and why: collateral, score and ratio side by side.
5
She sends Rp 800,000 to her mother
About 50 AUSD at a rate locked for 60 seconds. The draw goes straight to her mother’s Matocard and settles in under a second. Her mother taps Cash out to BRI and receives rupiah in her bank account.
6
Payday: she settles
She pays the whole balance in ringgit by FPX or DuitNow, or deducts it from her collateral. Her score goes up, her limit goes up, and the app shows what changed.
7
Anyone can check her record
Her public page shows her score, settled cycles and history, with no personal data. A bank in Indonesia can still read it when she moves home.
Home screen in the Matocard app. Placeholder until the app ships.
Behind the screens
Two people, two currencies
Every receive is also an invitation: the family installs Matocard to cash out, and the next sender hears about it from them.