# Compliance Pine protocol is designed to be decentralized and permissionless and hence the protocol does not obtain or keep any KYC information on its users. To the protocol, lenders and borrowers are merely wallet addresses on the blockchain. Pine protocol works with reputable blockchain address screening service providers to help its users in mitigating risk of dealing with high risk addresses, i.e. ones that are sanctioned or involved in criminal activities. Lenders and borrowers with blockchain addresses that have been verified to be low-risk can choose to transact only with other users with low-risk addresses on the protocol. Specifically on the lenders’ side, the segregated pool design of the Pine protocol does effectively lower risks for lenders. As every lender must set up and operate their own segregated pool, their asset is never commingled with other lenders. This drastically reduces compliance and regulatory risk for lenders on the Pine protocol as compared to some of the other NFT-backed loan protocols or platforms. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.pine.loans/pine-protocol/compliance.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.