A digital application requiring only one valid government ID has helped MocaMoca provide formal credit access to more than 20 million active users across the Philippines.
The digital lending platform offers collateral-free loans of up to ₱50,000, supported by automated approvals available 24/7. Qualified users can receive their funds securely in as fast as five minutes.
MocaMoca is operated by SEC-registered Copperstone Lending Inc. and has provided transparent and secure lending services to Filipino borrowers for more than five years.
Its continued growth reflects demand for lending solutions that reduce the complexity often associated with formal credit applications. TransUnion’s Q2 2026 Consumer Pulse Study found that nearly half of Filipinos plan to apply for credit. Despite this level of interest, 60% abandon their applications because of cost, eligibility requirements or other barriers.
“Many Filipinos still face barriers when accessing formal credit. Our goal is to remove those barriers through a lending experience that is simple, transparent, and built around the needs of borrowers, while maintaining the highest standards of responsibility and consumer protection,” said David Balamon, Chief Executive Officer of Copperstone Lending Inc.
MocaMoca’s platform is directly integrated with GCash, Maya, Coins.ph and GrabPay. These connections enable users across the country to receive loan proceeds and make repayments using familiar digital payment channels.
The platform also features a structured credit growth path that allows borrowers to access scalable limits over time. Transparent terms and repayment cycles aligned with borrowers’ paydays are incorporated to encourage more sustainable financial habits.
Women account for more than 60% of MocaMoca’s borrower base. The figure highlights the platform’s reach among women managing family expenses and micro-enterprise operations, who have traditionally faced restricted access to formal borrowing options.
National financial inclusion data shows that these access gaps remain substantial. The World Bank’s 2025 Global Findex Report found that only about half of Filipino adults hold a formal financial account, below the average for East Asia and the Pacific.
The Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey, meanwhile, found that 16% of adult borrowers now obtain credit from formal financial institutions, signalling a gradual shift away from informal lending sources.
MocaMoca is also one of the 10 most-downloaded digital lending applications on Google Play in the Philippines.
“As digital finance continues to evolve, our focus remains on helping more Filipinos access formal credit responsibly. We’ll continue investing in responsible innovation that makes borrowing more accessible, transparent, and secure, while supporting the country’s broader financial inclusion goals,” Balamon added.