고객센터
자주 묻는 질문에 대한 짧은 답변입니다. 없는 질문은 봇이 가장 빠르게 답합니다.
Is Moduwi a bank?
No. Moduwi is a technology platform. Payment, e-money and banking services, including accounts and cards, are provided by licensed partners under their licences and authorisations, and your funds are held with those partners, not with Moduwi.
Who owns the money inside a modu?
Every participant keeps ownership of what they put in, and the shared balance is spent according to the roles you set. The exact legal model depends on the licensed partner in your region and is described in the Terms.
What happens when a modu closes?
The remaining balance is returned to participants in the proportion you agree, and the history stays available in the archive.
Can the treasurer spend without anyone seeing?
No. Every payment appears in the shared history immediately and cannot be deleted afterwards.
What is a helper?
A person you choose to stand beside you for new operations. They see the payment before it goes out and confirm it. It is also the simplest protection against phone fraud.
Do children get their own card?
A parent can issue a card inside a modu, set a limit and see every payment. Age rules depend on the region and the partner.
Do I need to verify my identity?
Yes, once, when you join. After that it works across all your modus. This is a legal requirement for our licensed partners, not our preference.
Which countries are supported?
We open market by market. Available countries are shown in the app; if yours is not there yet, join the waitlist and we will write when it opens.
Can I pay by QR?
Yes, from any modu: scan the shop’s code (MPM) or show yours to the cashier (CPM). See the Scan to Pay page.