More than 20 million active users in the Philippines now use MocaMoca, marking a significant milestone for the digital lending platform as it continues to provide Filipino borrowers with an accessible alternative to informal credit.
MocaMoca is operated by SEC-registered Copperstone Lending Inc. and has been offering secure and transparent digital lending solutions for more than five years.
The platform’s growth comes amid continued gaps in financial inclusion across the country. According to the World Bank’s 2025 Global Findex Report, only about half of Filipino adults maintain a formal financial account, below the average recorded across East Asia and the Pacific.
At the same time, more borrowers are beginning to use regulated institutions. The Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey reported that 16% of adult borrowers now choose formal financial institutions for credit.
However, interest in borrowing does not always translate into completed applications. TransUnion’s Q2 2026 Consumer Pulse Study found that nearly half of Filipinos plan to apply for credit, while 60% abandon the process because of costs, eligibility requirements or other obstacles.
MocaMoca seeks to address these barriers by providing collateral-free loans of up to ₱50,000. Borrowers can complete a streamlined digital application using only one valid government ID.
Through 24/7 automated approvals, qualified borrowers can receive secure fund disbursements in as fast as five minutes. MocaMoca is also directly integrated with GCash, Maya, Coins.ph and GrabPay, making it easier for users across the Philippines to receive funds and complete repayments.
“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.
The platform provides borrowers with a structured credit growth path designed to support responsible, long-term financial behaviour. Features include scalable credit limits, transparent lending terms and repayment cycles aligned with paydays.
Women represent more than 60% of MocaMoca’s borrower base. This reflects the platform’s relevance among women managing household budgets and micro-enterprise finances, many of whom have historically had fewer opportunities to access formal credit.
MocaMoca is also ranked among the 10 most-downloaded digital lending applications on Google Play in the Philippines, indicating sustained consumer demand for its services.
“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.