ANN Pngme & Pngcoin: Decentralized Lending Platform and Mobile Banking App

[Pngme-Support]

ANN Pngme: Decentralized Lending Platform and Mobile Banking App

Pngme is global lending marketplace that gives institutional investors access to an alternative lending asset class. Using blockchain technology, decentralized rate setting algorithms, and digital-footprint-based credit scoring Pngme creates an open and transparent lending marketplace where borrowers can obtain low-cost capital and investors can access alpha.

For borrowers Pngme provides the necessary tools to credit score their customers and raise capital by issuing digital bonds that are sold on our lending marketplace to investors. Our Credit Scoring APIs allow for seamless integration with a borrower's mobile payment application in order to embed credit default risk into the digital bond through our Digital Bond API. By providing current and historical credit risk information investors are able to price capital more efficiently and increase the supply of affordable capital for borrowers.

Our mission is to close the $5.2 trillion dollar finance gap that affects 200 million MSMEs globally. This will drive sustainable economic growth from the bottom of the financial pyramid increasing opportunity and quality of life.


Users of Pngme will be able to:

• Make mobile payments
• Earn interest on savings
• Take out asset backed loans
• Build a digital footprint credit score

WHITEPAPER | ANDROID BETA TESTING | MEDIUM | ANDROID APP DEMO

-----------------------------

Messier 31 Inc d/b/a Pngme is offering securities under Regulation CF and Rule 506(c) of Regulation D through SI Securities, LLC (SI Securities). The company has filed a Form C with the Securities and Exchange Commission in connection with its offering, a copy of which may be obtained at: https://www.seedinvest.com/pngme/pre.seed/

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[Twinkledoe]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

[BITpashaCOIN]

What happens to Pngme? I think this is not your first announcement in the last 2 weeks, and not the first team account. This is weird...

Link to "TELEGRAM AIRDROP (https://bitcointalk.org/index.php?topic=5137168)"  is wrong...

[Pngme-Support]

What happens to Pngme? I think this is not your first announcement in the last 2 weeks, and not the first team account. This is weird...

Link to "TELEGRAM AIRDROP (https://bitcointalk.org/index.php?topic=5137168)"  is wrong...

Our other account got suspended because we asked members post "Proof-of-Authentication" to prevent bots and spam and we didn't realize that it broke the rules for a low-value campaign - we should have known better and read the rules properly.

The account is suspended for 30 days and we will be using it again when we are able to.

Thank you for asking,

The Pngme Team

[Pngme-Support]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

[pucunghul]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

[Pngme-Support]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

We understand - I will give an explanation of the legal structure of the organization later tomorrow Pacific Time as it is late here. Thanks

[Pngme-Support]

🔘 We are excited to announce the Pngme's launch with an airdrop campaign. Earn up to 1500 PNG ($19.5) for easy social tasks and 250 PNG ($3.25) for every valid referral.

Start our bot to participate: https://t.me/PngmeAirdropBot

#Airdrop #ICO #Pngme #PNG

[Pngme-Support]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

This is an excellent question and I will do my best to explain. Our corporate structure is similar to many token or well known blockchain companies that have operations or teams working from the US (i.e. BlockOne, EOS, and many others well known companies that are based here in San Francisco). We have a US company that is setup to run operations, manage team members, and execute engineering and development from within the US. It is a legal requirement to have a corporate structure if you live and work in California full-time as many of the team here do - we therefore must have a US entity for employment purposes.

Alongside this we have a parent company that is based in the Cayman Islands that is the token issuer and network operator for Pngcoin. This company operates and maintains the token network and generates the tokens to qualified purchasers within Cayman's regulatory framework. This entity is complaint with KYC/AML regulations that are enforced in the Cayman Islands. We do however only allow specific jurisdictions and only certain classes of investor are allowed to participate in our token sale. Currently all non-accredited US investors, Chinese nationals, and Sanctioned Countries are unable to participate in any token activities. More information on this will be published in the next 4-weeks to our website.

When we begin to start offering custodial financial services in Europe we will operate a European subsidiary that will have the relevant licenses under the PSD2 (Payment Services Directive) framework that will allow us to operate as an e-money provider under the EMI. We are starting the process to apply for these at the moment. This is normal practice for financial services companies and is why Paypal has a subsidiary in Luxembourg while being a US company, for example.

Please ask any more questions you may have an we will be happy to answer.

Kind regards,

The Pngme Team

[Pngme-Support]

We are launching our beta testing phase of the Pngme mobile app today, you can read about it here:

https://medium.com/pngme/pngme-android-app-beta-testing-demo-ed1253b94615

Watch the YouTube demo video here: https://www.youtube.com/watch?v=FtI_1nkEErU

You can demo the Andriod Mobile App here: https://pngme.com/demo

[Pngme-Support]

Our Airdrop campaign is still ongoing and will run until Friday the 17th of May.

[Btc_1856]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

This is one of the main reason many people are not showing interest towards the US projects, SEC is looking very closely about the projects. So you need to get approval from the SEC before raising any money? Whether you are running an ICO or IEO because some exchange has some restriction for US based projects.

[Dextroboy]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

This is one of the main reason many people are not showing interest towards the US projects, SEC is looking very closely about the projects. So you need to get approval from the SEC before raising any money? Whether you are running an ICO or IEO because some exchange has some restriction for US based projects.

Pngme has explained the question above, and that is indeed an interesting question, if indeed PNGME is safe and legal, I don't think we need to worry about the SEC,
and I suggest before this project is fully launched for investors and must prove it if the project is safe

[Pngme-Support]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

This is one of the main reason many people are not showing interest towards the US projects, SEC is looking very closely about the projects. So you need to get approval from the SEC before raising any money? Whether you are running an ICO or IEO because some exchange has some restriction for US based projects.

This is really important due diligence and something we take very seriously on our side - we have both onshore and offshore counsel that are guiding us through our equity fundraise (US entity) and the token sale (Cayman entity) to ensure we are compliant. I will explore what we are able to disclose publicly with our counsel and but we do make an effort to explain the legal frameworks we using in the Whitepaper itself. Thanks for the feedback and we will do our best to demonstrate the information for due diligence purposes however wee can.

[Pngme-Support]

If the platform is aiming to be a mobile bank, I suppose this is under the jurisdiction of a Central Bank to legally operate. So are you a registered company and do you have license to operate on this type of business? Your address says San Francisco, CA.

If you would like to read about how we are approaching regulatory issues we have a detailed breakdown in our whitepaper in our "Regulatory Compliance" section on Page 22. It clearly outlines our approach to custody and how we plan to operate compliantly.

We have a US based office and a Cayman Islands company for digital asset operations and will be opening our European office for EU operations in due course.

Thanks for the question.

You know about the SEC turning off a number of projects from the USA, and it is very important for us investors to be truly safe and comfortable in choosing your project, can you explain this? and how do you deal with the SEC?

This is one of the main reason many people are not showing interest towards the US projects, SEC is looking very closely about the projects. So you need to get approval from the SEC before raising any money? Whether you are running an ICO or IEO because some exchange has some restriction for US based projects.

Pngme has explained the question above, and that is indeed an interesting question, if indeed PNGME is safe and legal, I don't think we need to worry about the SEC,
and I suggest before this project is fully launched for investors and must prove it if the project is safe

Did you read our explanation in our Whitepaper - if you have any feedback on that it would be great so we can reiterate and improve our messaging.

[Pngme-Support]

Our new Whitepaper has been published here: Whitepaper

[Onika84]

Welcome PNG, do you plan to operate the project in full by the end of 2019? I heard PNG will hold a bounty program in early September, true or TBA?

[Pngme-Support]

Welcome PNG, do you plan to operate the project in full by the end of 2019? I heard PNG will hold a bounty program in early September, true or TBA?

Yes our app and network will be operation by the end of Q4 2019. We have just completed our beta testing phase and are raising funds through our regulated equity crowdfunding campaign on SeedInvest here: https://www.seedinvest.com/pngme/pre.seed/

We will be starting a bounty campaign this week we will post an announcement here shortly so you know when you can participate.

-----------------------------

Messier 31 Inc d/b/a Pngme is offering securities under Regulation CF and Rule 506(c) of Regulation D through SI Securities, LLC (SI Securities). The company has filed a Form C with the Securities and Exchange Commission in connection with its offering, a copy of which may be obtained at: https://www.seedinvest.com/pngme/pre.seed/

[Pngme-Support]

Pngme is raising capital using crowdfunding on SeedInvest to grow our global alternative lending platform!

https://medium.com/@brendanplayford/pngme-is-fundraising-on-seedinvest-1f700eba18a3

-------------------------

Messier 31 Inc d/b/a Pngme is offering securities under Regulation CF and Rule 506(c) of Regulation D through SI Securities, LLC (SI Securities). The company has filed a Form C with the Securities and Exchange Commission in connection with its offering, a copy of which may be obtained at: https://www.seedinvest.com/pngme/pre.seed/

[Pngme-Support]

We have launched our Bounty campaign that has a 10 million Pngcoin pool (PNG is priced at $0.02) - you can register for it on out Bitcointalk listing here: https://bitcointalk.org/index.php?topic=5182388.0

[royalfestus]

The project Idea does not look new, maybe few additions and subtractions. Will Africa(Tanzania) be a pilot study for the project? Africa community is one of the difficult community to understand because of the level of education and development, How well do you think they can adopt this if you dont start from the developed community? do you have provision for their politics also?

[Suke_Teki]

I have not found detail information about IEO Pngme, where can I find that information? I hope you do IEO on a large exchange.

[Valeriy1000000]

Hello, your project interest me, I want to get acquainted with it in more detail. I think the project will succeed.

[super bako]

I want to know when you sell tokens. And do IO or IEO.  if the sale of tokens through IEO where you will list your tokens on which exchange

[amonymous]

I want to know when you sell tokens. And do IO or IEO.  if the sale of tokens through IEO where you will list your tokens on which exchange

Be patient for the announcement if there have planing token sales with IEO then we will knows exchange name. Basically I'm very interested about this project like participate in IEO if their want added. Seems like that soon we can receive announce about exchange or IEO.

[Pngme-Support]

Read and listen to a recent interview we did with Zach Resnick the Managing Partner of Ezra New Economy Fund - our anchor investor in Pngme

https://medium.com/ezraneweconomythoughts/pngme-71c3970d9aed

[Pngme-Support]

The project Idea does not look new, maybe few additions and subtractions. Will Africa(Tanzania) be a pilot study for the project? Africa community is one of the difficult community to understand because of the level of education and development, How well do you think they can adopt this if you dont start from the developed community? do you have provision for their politics also?

Thanks for the feedback - we think we are quite different in our technology stack and approach to our go-to-market. We work directly with channel partners in Africa who have operated on the continent for years and are natives of the countries we are serving. We will be releasing information on upcoming partnerships in the next two weeks. We are starting as a B2B company.

[Pngme-Support]

I have not found detail information about IEO Pngme, where can I find that information? I hope you do IEO on a large exchange.

We have not released this information yet and will post it publicly when we have made a decision on this. Did you read our whitepaper?

[amonymous]

Here check ICO/IEO which do you accept? If you want accept IEO then do you manage yet any announcements? I think IEO is the best now for a successful project so take a popular exchange for listing IEO. Actually IEO announcement urgent need because many people now exciting knows IEO exchange name.

[lanoraediey]

#Proof of Authentication
Bitcointalk username: lanoraediey
Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=2334090
Telegram username: @lanoraedie
Wallet Address: 0xEd637b1A01Db6B1e299E3731c76fDDF413E33c9a
Campaign: Facebook, Twitter, Medium, Reddit, Telegram

[bitstalker]

~Snip

You have been playing social media campaigns for a long time, I guess, but why would something like the wrong sub-forum occur? , it should be because you are an old player you must be more thorough

[juanaimene]

#Proof Of Authentication
Bounty Campaign :Facebook, Twitter, Reddit, Medium
Bitcointalk username: juanaimene
Bitcointalk URL: https://bitcointalk.org/index.php?action=profile;u=2326965
Telegram Username: @juanaimene

[eXtremal]

hello admin how are hope you will fine can you plz tell me about your bounty are still going are it closed.And what is you measure golas.thanks

Hello friends, you should ask the telegram group about the details of the bounty, the bounty admin has provided it, please ask as much as you can there, clicking this link will take you to the bounty community: https://t.me/joinchat/Fx2VP043eQFsk0yON2I65Q
  Hopefully this information is useful for you

[Onika84]

I am looking information about pre-sale on seedinvest website, but disappear now. Anyone know how much have been raised so far? How about PNGme mobile app, when final version will be released? Getting error every time I use PNG app.

[valuater]

I am looking information about pre-sale on seedinvest website, but disappear now. Anyone know how much have been raised so far? How about PNGme mobile app, when final version will be released? Getting error every time I use PNG app.

they get 600K $ in funds and for mobile app it looks like we have to wait because they only notify that the Q4 mobile app will be released so because currently it is still in Q4 being patient is the best thing.

[eXtremal]

I am looking information about pre-sale on seedinvest website, but disappear now. Anyone know how much have been raised so far? How about PNGme mobile app, when final version will be released? Getting error every time I use PNG app.

they get 600K $ in funds and for mobile app it looks like we have to wait because they only notify that the Q4 mobile app will be released so because currently it is still in Q4 being patient is the best thing.

It will happen quickly we know that now is the end of the year, so I think it will not be released any longer, are you curious about Pngme products?
Yes, so do I, I don't want to miss information from them, that's why I'm here

[tippytoes]

I am looking information about pre-sale on seedinvest website, but disappear now. Anyone know how much have been raised so far? How about PNGme mobile app, when final version will be released? Getting error every time I use PNG app.

they get 600K $ in funds and for mobile app it looks like we have to wait because they only notify that the Q4 mobile app will be released so because currently it is still in Q4 being patient is the best thing.

It will happen quickly we know that now is the end of the year, so I think it will not be released any longer, are you curious about Pngme products?
Yes, so do I, I don't want to miss information from them, that's why I'm here

If they did get that amount, it is already more than enough to fully develop their mobile app. So I guess by the end of this quarter, we will be seeing the full and tested version of the app. I am curious, how many crypto users will actually utilize this app. The common problem with the apps is the actual usage that it will deliver to its clients. Because if it will just be another clutter on your phone, the app will be useless.

[eXtremal]

I am looking information about pre-sale on seedinvest website, but disappear now. Anyone know how much have been raised so far? How about PNGme mobile app, when final version will be released? Getting error every time I use PNG app.

they get 600K $ in funds and for mobile app it looks like we have to wait because they only notify that the Q4 mobile app will be released so because currently it is still in Q4 being patient is the best thing.

It will happen quickly we know that now is the end of the year, so I think it will not be released any longer, are you curious about Pngme products?
Yes, so do I, I don't want to miss information from them, that's why I'm here

If they did get that amount, it is already more than enough to fully develop their mobile app. So I guess by the end of this quarter, we will be seeing the full and tested version of the app. I am curious, how many crypto users will actually utilize this app. The common problem with the apps is the actual usage that it will deliver to its clients. Because if it will just be another clutter on your phone, the app will be useless.

Yes, I hope they will prepare their application as good as possible, all people's requests can be approved, the use of the instant will be very liked by the community, I will see and really want to try it if they have launched their product