After more than five years of providing digital lending services to Filipino borrowers, MocaMoca has surpassed 20 million active users in the Philippines.
Operated by SEC-registered Copperstone Lending Inc., the platform has focused on providing secure and transparent loans through an entirely digital process.
MocaMoca’s latest milestone coincides with a broader increase in the use of regulated lenders. Data from the Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey shows that 16% of adult borrowers now choose formal financial institutions.
However, formal financial access remains far from universal. The World Bank’s 2025 Global Findex Report found that only about half of Filipino adults maintain a formal financial account. This is below the average for the East Asia and Pacific region.
There is also a significant difference between consumers’ intention to borrow and their ability to complete an application. TransUnion’s Q2 2026 Consumer Pulse Study reported that nearly half of Filipinos intend to apply for credit, yet 60% abandon the process because of costs, eligibility requirements or other difficulties.
“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 reduce these barriers, MocaMoca allows qualified users to apply for collateral-free loans of up to ₱50,000. The application requires only one valid government ID and can be processed using the platform’s 24/7 automated approval system.
Secure loan disbursement can be completed in as fast as five minutes. Direct integrations with GCash, Maya, Coins.ph and GrabPay allow users throughout the Philippines to access their funds and make repayments through established digital wallets.
MocaMoca also provides a structured credit growth path through scalable limits, clearly presented terms and repayment cycles aligned with borrowers’ paydays. These features are intended to support responsible borrowing and the development of long-term financial habits.
Women make up more than 60% of MocaMoca’s borrower population, reflecting the platform’s reach among those who oversee household and micro-enterprise finances and have traditionally faced limited formal lending options.
Continued demand has placed MocaMoca 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.