INTRODUCTION

it is necessary to create a platform where each of the parties will be able to see the authenticity of all documents and the history of the user to pay for previously issued loans, which will eliminate fraudsters with forged documents and create a more harmonious system of interaction. Implementation of this idea is engaged in a project charged.

ABOUT PNGME

Pngme is a decentralized lending platform and application for performing mobile financial payments based on blockchain technology. This service allows financial institutions to transparently view the entire history of payment of loans of the participant and thus make a conclusion about the approval or refusal of cooperation. Blockchain strictly records everything in a distributed registry, where nothing can be changed or forged.

Pngme will be developed for two well-known operating systems such as Android and iOS, which will contribute to its global use and distribution. Assessment of the application has already been successfully conducted and this universal mobile banking application that has the architecture of a chargealized network and all associated and necessary tools. But the most important thing is that Pngme is a completely new credit platform, with all the necessary accesses, where everyone can find useful tools for further development of their ideas.

however, not always and not everyone has such an opportunity as to obtain approval for a loan. It is known that in the world practice, it is very rare when Banks and other financial institutions risk their money by financing poorly developed business ideas. This in turn leads to the weak development of small and medium-sized businesses around the world. A new decentralized project intends to change this situation.

IMPORTANCE OF PNGME

With Pngme you will now be able to start creating your credit rating from scratch, if your traditional credit history has already been spoiled, you will be able to become a borrower for other participants and earn additional income. For the contribution and development of the platform under the referral program, users are rewarded with pngme tokens, which in the future can be converted into fiat currencies USD, GBP, EUR

Pngme is presented in a completely transparent format. That is, anyone will be able to view and analyze all ongoing transactions and transactions made in the framework of Pngme. At the same time, the built-in decentralized algorithms allow tokenizing all their digital bonds, as a result of which investors acquire more reliable lending conditions for their borrowers, and also protect themselves from all kinds of default. Which I think is extremely appropriate and in demand these days.

To monitor the accuracy of performance of all credit obligations under the Pngme to be built-in system API Digital Bond, which can be more effectively evaluate the proposal received and to adjust your financial plan.

CONCLUSION

Pngme lies in its overall availability, as the platform was originally developed for the mobile version as Android and iOS systems, which means it will be available to everyone. That naturally removes any existing barriers in this direction, as well as launches a new era of mobile scoring.