Parameters - Matocard

Contract

Parameter	Testnet	Production	Meaning
`term`	30 days	30 days	Time from a cycle’s first draw to its due date
`grace`	3 days	3 days	Extra time before a cycle can be defaulted
`minCycleDuration`	60 s	7 days	Shortest cycle that counts toward the score
`cardHold`	60 s	7 days	How long a card top-up waits before counting
`minUtilizationBps`	1000 (10%)	1000 (10%)	Smallest peak use of the limit that counts
`yieldFeeBps`	2000 (20%)	2000 (20%)	Share of collateral yield kept for lenders

The collateral ratio is not a parameter: it is 15000 − 7000 × score / 100 basis points, in the CreditScoring library.

Backend

Setting	Value
Quote lifetime	60 s
Session lifetime	at most 7 days
Minimum top-up	RM 5.00 / Rp 10,000
Minimum cash-out	Rp 10,000
Cash-out authorization must be valid for at least	5 minutes
Daily credit cap per user	1,000 AUSD
Daily credit cap, all users	20,000 AUSD
Sends per account per day	50
MON drip per verified account	0.5 MON
Relayer low-balance alert	under 2 MON

Gas limits

Sent with each call, since Monad charges the limit. From @matocard/contracts:

Call	Gas
`draw`	450,000
`depositFor`	440,000
`depositCollateral`	370,000
`repayWithPermit`	280,000
`withdrawCollateral`	260,000
`repayFromCollateral`	250,000
`deposit` (lender)	240,000
`redeem`	230,000
`repay`, `repayFor`	210,000
`cancelPending`	160,000
`transferWithAuthorization` (AUSD)	150,000
`setVerified`	140,000
`approve` (AUSD)	90,000