930 Alabama Street
San Francisco, CA 94110


© 2018 Messier 31 Inc d.b.a Pngme. All rights reserved


Pngme is a full stack lending platform for financial institutions in emerging markets.

We help lenders in emerging markets scale 

We know how hard it is to make informed decisions without the right data. 

We provide an API to credit score your borrowers using alternative data, and a cloud based platform to issue and manage loans.


Contact us for a consultation call and find out how we can help transform your lending business!

Messier 31 Inc (“Pngme”) offers a software-based credit scoring engine that delivers automated credit scores using alternative data.

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The Annual Percentage Rate (APR) for the E-float Loan may change at any time, before or after the E-float Loan is opened.

Messier 31 Inc has offices located at 930 Alabama Street, San Francisco, CA 94110