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Manila Bulletin devider Business devider Banking & Finance devider MocaMoca surpasses 20 million active users, expanding access to formal credit in the Philippines

MocaMoca surpasses 20 million active users, expanding access to formal credit in the Philippines

Published Aug 15, 2026 11:38 am  |  Updated Aug 15, 2026 07:39 am
MocaMoca, a digital lending platform operated by SEC-registered Copperstone Lending Inc., has surpassed 20 million active users in the Philippines, marking a milestone in its more than five years of providing secure and transparent digital lending solutions to Filipino borrowers.
This comes as more Filipinos turn to regulated digital lenders over informal credit sources. The Bangko Sentral ng Pilipinas' 2025 Consumer Finance and Inclusion Survey found that 16% of adult borrowers now choose formal financial institutions, yet the World Bank's 2025 Global Findex Report shows only about half of Filipino adults hold a formal financial account, below the East Asia and Pacific regional average.
TransUnion's Q2 2026 Consumer Pulse Study found that while nearly half of Filipinos intend to apply for credit, 60% abandon the process due to cost, eligibility requirements, or other barriers, highlighting the continued need for accessible and trusted digital lending solutions.
MocaMoca is also among the top 10 most-downloaded digital lending apps on Google Play in the Philippines, reflecting sustained demand for the platform.
Women account for more than 60% of MocaMoca's borrower base, underscoring the platform’s impact among those managing household and micro-enterprise finances and who have traditionally had limited access to formal credit.
"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.
To help address barriers to formal credit, MocaMoca provides collateral-free loans of up to ₱50,000 through a streamlined digital application process requiring only one valid government ID. The platform features 24/7 automated approvals that enable secure fund disbursements in as fast as five minutes. To support long-term financial habits, MocaMoca incorporates a structured credit growth path with scalable limits, transparent terms, and payday-aligned repayment cycles, while direct integrations with GCash, Maya, Coins.ph, and GrabPay ensure disbursements and repayments are convenient and accessible nationwide.
“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.

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