Welcome to Pngme's API Reference Documentation.

Pngme provides a RESTful API for accessing user data gathered on behalf of your organization.

REST Access Tokens

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 Endpoints

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 /users endpoint.


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.

Credit Reports

Pngme Alternative Credit Report

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.

TransUnion Kenya Credit Report (alpha)

The TransUnion Kenya Credit Report contains TransUnion's Mobile Credit Score.