MANILA, PH / ACCESS Newswire / September 8, 2026 / MocaMoca has announced that it has surpassed 20 million active users in the Philippines. The milestone marks more than five years of the platform providing secure, compliant, and transparent digital credit to underserved Filipino borrowers, and positions MocaMoca as a significant contributor to expanding financial inclusion in Southeast Asia.

"Many Filipinos still face barriers when accessing formal credit. Our goal is to remove those barriers through simple, transparent processes 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.

This expansion comes as more Filipinos transition away from informal credit sources toward regulated digital lenders. According to the Philippine central bank's 2025 Consumer Finance and Inclusion Survey, only 16% of adult borrowers currently utilize formal financial institutions. Additionally, the World Bank's 2025 Global Findex Report shows that roughly half of Filipino adults hold a formal financial account-lagging behind the East Asia and Pacific regional average and highlighting a persistent credit access gap.

MocaMoca's growth is underpinned by collateral-free loans of up to PHP 50,000, issued through a streamlined application that requires only one valid government ID. Automated approvals operate 24 hours a day, enabling fund disbursement in as fast as five minutes, with repayment cycles aligned to Philippine payday cycles and integrated with payment networks including GCash, Maya, Coins.ph, and GrabPay.

Demand for regulated digital credit is further underscored by friction in legacy lending channels. TransUnion's Q2 2026 Consumer Pulse Study revealed that while nearly half of Filipino consumers express an intent to apply for credit, 60% abandon traditional application processes due to high costs, strict eligibility requirements, or administrative friction. MocaMoca currently ranks among the top 10 most-downloaded digital lending apps on Google Play in the Philippines.

The platform's expansion has also played a role in closing the credit access gap for women, who account for more than 60% of MocaMoca's active borrower base. These users leverage the app to manage household finances and micro-enterprise capital, establishing a structured credit growth path featuring scalable limits, transparent terms, and payday-aligned repayment cycles.

"As digital finance continues to evolve, our focus remains on helping more Filipinos access formal credit responsibly," Balamon added. "We'll continue investing in responsible innovation, robust app security, and full regulatory compliance that make borrowing more accessible, transparent, and secure while supporting the country's broader financial inclusion goals."

The company plans to sustain ongoing investments in high-grade app security, user protection protocols, and regulatory alignment to advance the Philippine government's long-term economic inclusion objectives.

About MocaMoca

MocaMoca is a digital app providing collateral-free cash loans through a fully digital application process. The app is available exclusively on the Google Play Store; borrowers are encouraged to verify official channels at mocamocatech.com.

Media Contact
Dyne Bringas, MR Associate, Uniquecorn Strategies: dyne@uniquecornpr.com

Website: www.mocamocatech.com/

Email: help@mocamocatech.com

SOURCE: MocaMoca