Pngcoin is the native token of the Pngme Network. Pngcoin has been designed to be used by two primary stakeholders: application users and network validators. The faster the growth of users on the network, the more quickly the Pngcoin token economy expands. Users can acquire tokens by signing up to the Pngme mobile app, staking Pngcoin in their savings account, referring friends, or purchasing them through a secondary market. 

Pngme gives institutional investors access to an alternative lending asset class. Using blockchain technology, decentralized rate-setting algorithms, and digital credit scoring, Pngme creates an open and transparent lending platform 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. 

Additionally Pngme's Mobile Banking application increases access to finance for business owners and consumers. Featuring mobile-to-mobile payments, savings, and a digital credit score the app gives consumers easy access to finance anywhere in the world from their mobile device.