//THE SYSTEM ARCHITECTURE.

THE SYSTEM ARCHITECTURE.

Web App and Mobile App-the web app is designed to serve institutional partners and drive a power user experience for the lending marketplace while the app mobile app is for deploying to individuals or business who require to create a credit score and searching for a non-custodial mobile banking experience.User API-it enables the creation of lender and borrower user accounts on the lending marketplace.Custody and compliance API-it enables users to deposit dollars through wire or ACH to their accounts and once funded; the dollars can be converted into a regulated stable coin (USD-C) that is utilized in the marketplace to fund loans and create liquidity of the marketplace.Sidechain API-to scales the lending marketplace and allows smooth transactions for the users, and they are implementing a POA consortium sidechain which is analogous to POA Network or GoChain in its transaction and cost all through.Credit scoring API-they provides a hybrid credit score model which analyzes several data points from a borrower’s conventional scorecard and digital footprint data to comprehend a borrower’s risk of default.Digital bond API-it enables marketplace borrowers to generate a tokenized digital bond consisted of one or numerous loans using some of these parameters encoded into ERC-721 non-fungible token with metadata stored on IPFS:• Borrower credit score. • Borrower collateralization method. • Child loan IDs. • Child loans. • Borrower ID. • Child loan credit scores. • Child loan application metadata. • Bond par-value which means the aggregate value of child loansPngme #Payments #Pngme #Pngcoin #PNG #Payments #Blockchain #Crypto #MSME #BTC #fintech #mobilebanking #Banking. https://pngme.com/

Web App and Mobile App-the web app is designed to serve institutional partners and drive a power user experience for the lending marketplace while the app mobile app is for deploying to individuals or business who require to create a credit score and searching for a non-custodial mobile banking experience.

User API-it enables the creation of lender and borrower user accounts on the lending marketplace.

Custody and compliance API-it enables users to deposit dollars through wire or ACH to their accounts and once funded; the dollars can be converted into a regulated stable coin (USD-C) that is utilized in the marketplace to fund loans and create liquidity of the marketplace.

Sidechain API-to scales the lending marketplace and allows smooth transactions for the users, and they are implementing a POA consortium sidechain which is analogous to POA Network or GoChain in its transaction and cost all through.

Credit scoring API-they provides a hybrid credit score model which analyzes several data points from a borrower’s conventional scorecard and digital footprint data to comprehend a borrower’s risk of default.

Digital bond API-it enables marketplace borrowers to generate a tokenized digital bond consisted of one or numerous loans using some of these parameters encoded into ERC-721 non-fungible token with metadata stored on IPFS:

• Borrower credit score. • Borrower collateralization method. • Child loan IDs. • Child loans. • Borrower ID. • Child loan credit scores. • Child loan application metadata. • Bond par-value which means the aggregate value of child loans

Pngme #Payments #Pngme #Pngcoin #PNG #Payments #Blockchain #Crypto #MSME #BTC #fintech #mobilebanking #Banking. https://pngme.com/