Pine revolutionizes the NFT market by introducing a groundbreaking feature: the ability to buy NFTs using mortgages, coupled with a convenient buy now, pay later system. With Pine, NFT owners gain access to loans backed by over 30 diverse NFT collections. Moreover, the protocol supports traditional permissionless borrowing and lending, offering users a wide range of options. Importantly, even when NFTs are pledged as collateral, their utility remains intact, ensuring users never lose access to the benefits they provide.