# Maya

> Make your money.

Maya is a digital financial services platform for Filipinos. It offers payments, banking, loans, and investment tools through a single app for consumers and businesses.

Maya is a digital financial services platform serving individual consumers and small businesses in the Philippines. It combines a digital wallet with banking services, letting users send and receive payments, pay bills, and manage money alongside savings accounts, credit products, and investment options. The platform is designed to bring formal financial services to people who are unbanked or underserved by traditional institutions.

The platform addresses the gap between everyday spending needs and access to formal banking by combining payments, deposits, credit, and investing into one connected experience. Users can save through interest-bearing accounts, make transfers and bills payments via QR codes and bank transfers, apply for instant loans, and buy cryptocurrencies and other assets. A companion offering for enterprises extends similar payment acceptance, checkout, and short-term financing tools to merchants of varying sizes.

Maya's core consumer offering centers on its all-in-one money app, supported by savings and time deposit products, credit cards, and lending products such as personal and flexible loans. A separate business-facing suite provides payment processing, invoicing, and working capital financing for merchants and enterprises. The platform is used by individual Filipino consumers seeking everyday financial tools as well as small and medium businesses looking to accept payments and access credit.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2015-01-01
- Profile: https://thegrid.id/profiles/maya

## Products

- [Maya](https://thegrid.id/profiles/maya): Maya is a digital bank and e-wallet that provides consumer financial services through a single mobile application. It offers high-interest savings accounts, debit and credit cards, QR-based payments, instant fund transfers, personal loans, cryptocurrency trading, stock investing, and international remittance. Users access Maya Bank's licensed banking services alongside payment and money-movement tools from one account. (Bank, Live, Main Product)
- [Maya Business](https://thegrid.id/profiles/maya): Maya Business is a merchant payment acceptance platform enabling Philippine businesses to accept QR payments, card transactions, and digital wallet payments through point-of-sale integrations and online checkout. Merchants onboard through the Maya Center with no monthly fees and access real-time transaction history alongside additional tools for invoicing, payroll, and business financing. The platform also offers a buy now pay later checkout option that lets customers split purchases into installments. (Merchant Payment Gateway, Live)
- [Maya Credit Card](https://thegrid.id/profiles/maya): Maya Credit Card offers co-branded consumer credit cards issued by Maya Bank, including Maya Black with instant airline miles on purchases and the Landers Cashback Everywhere Credit Card combining supermarket membership benefits with cashback rewards. Cardholders receive instant approval subject to credit evaluation and earn rewards on transactions. Card management, including activation and monitoring, takes place through the Maya app. (Card, Live)
- [Maya Loans](https://thegrid.id/profiles/maya): Maya Loans provides consumer lending products through Maya Bank, including personal loans, a revolving Easy Credit line, Flexi Loan, and Pay in 4 installment purchasing. Customers apply directly within the Maya app using automated credit scoring and receive disbursement upon approval. The products let users borrow for expenses, spread purchases into installments, or access short-term liquidity without requiring a traditional credit card. (Centralised Borrowing & Lending, Live)

## Links

- [Main](https://www.maya.ph)
- [Documentation](https://developers.maya.ph)
- [Forum](https://developers.maya.ph/discuss)
- [Blog](https://developers.maya.ph/page/blog)
- [Terms of Service](https://www.maya.ph/terms-and-conditions)
- [Privacy policy](https://www.maya.ph/privacy)
- [Blog](https://www.maya.ph/stories)
- [Facebook](https://facebook.com/mayaiseverything)
- [Instagram](https://instagram.com/mayaiseverything)
- [Twitter / X](https://x.com/mayaofficialph)
- [TikTok](https://tiktok.com/@mayaiseverything)
- [LinkedIn](https://linkedin.com/company/mayaph)
- [Telegram](https://t.me/TeamMayaPH)
- [YouTube](https://www.youtube.com/c/mayaiseverything)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP