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 Mobile Money Operators grow their agent networks

We provide a platform to credit score your agents, issue loans, and access capital from an international market of investors


Contact us for a consultation call and find out how we can help transform your agent 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