Welcome to Pngme's API Reference Documentation.
Pngme provides a RESTful API for accessing user data gathered on behalf of your organization.
All REST API queries are authenticated using a JWT Bearer token.
This access token is available in the Pngme Dashboard, or can be accessed in the Auth Endpoint using your Pngme credentials. The access token resets every 5 hours and needs to be refreshed.
Primitive data objects form the foundation for Pngme's data model.
When the Pngme Android SDK collects data from a mobile phone,
it creates a unique identifier (UUID) for that mobile phone user.
The User and his/her UUID is retrievable via the search capabilities of the
Institutions belong to a User.
An Institution is a financial institution with which the User has financial information.
An Institution can be a depository account (capital held) or a loan account (capital owed).
Balances belong to an Institution.
For a depository-type account, the balance statement is the capital in an account of the Institution at a given point in time.
For a loan-type account, the balance statement is the principal owed at a given point in time.
Transactions belong to an Institution.
A Transaction is a record of credit or debit event for an account of the Institution.
For both a depository-type and loan-type account, a credit/debit statement is a measure of capital flowing into/out-of an account (cash-in/cash-out), respectively.
For example, a credit statement on a depository account would be a deposit in the account, whereas a credit statement on a loan account would be a payment towards outstanding principal owned on the account.
Alerts belong to an Institution.
An Alert record in a labelled event.
For instance, an Alert record might be an SMS message indicating that the User is overdue on a payment, or has defaulted on a loan issues on behalf of the Institution.
The Pngme Alternative Credit Report contains summary information on a user's depository-type and loan-type accounts, as identified via Pngme's SMS data extraction process.
The TransUnion Kenya Credit Report contains TransUnion's Mobile Credit Score.