MocaMoca has grown to more than 20 million active users as an increasing number of Filipino borrowers begin turning to regulated digital lending providers instead of informal credit sources.
The digital lending platform is operated by SEC-registered Copperstone Lending Inc. and has served borrowers in the Philippines for more than five years.
The Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey found that 16% of adult borrowers now choose formal financial institutions. Although this reflects progress, a large portion of the population remains outside the formal financial system.
Only about half of Filipino adults have a formal financial account, based on findings from the World Bank’s 2025 Global Findex Report. The country’s account ownership level remains below the East Asia and Pacific regional average.
Potential borrowers also continue to face practical barriers when applying for credit. Nearly half of Filipinos intend to submit a credit application, according to TransUnion’s Q2 2026 Consumer Pulse Study, but 60% discontinue the process due to cost, eligibility requirements or other concerns.
MocaMoca seeks to make the process more accessible by allowing users to apply digitally for collateral-free loans of up to ₱50,000. Only one valid government ID is required to complete an application.
The platform’s automated approval system is available 24/7, with secure disbursements completed in as fast as five minutes for qualified users.
“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 provides a structured pathway through which borrowers may access scalable credit limits. It also presents transparent terms and uses payday-aligned repayment cycles to help borrowers manage their financial obligations over time.
Its direct integrations with GCash, Maya, Coins.ph and GrabPay provide nationwide access to convenient loan disbursement and repayment options.
Women comprise more than 60% of the platform’s borrower base, demonstrating its reach among women overseeing household and micro-enterprise finances who have historically had limited formal credit access.
The platform is also listed among 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.