Pi Network has implemented a significant upgrade to its Standard Know Your Customer (KYC) system by integrating new artificial intelligence tools directly into the validation process. This update leverages the same technology used in its Pi Fast Track KYC, resulting in a 50% reduction in the queue of KYC applications awaiting human validators. This directly addresses a major bottleneck that had slowed approvals for months in many regions due to validator shortages.
The AI system handles the initial layer of verification, routing only uncertain cases to human reviewers. Pi Network confirmed the system remains conservative to avoid false approvals and still sends sensitive cases to humans, while also showing less personal data to validators to strengthen privacy. This upgrade is critical as Standard KYC is the final gate before users can fully migrate their balances to the Pi Mainnet.
Alongside the AI update, Pi Network released new network-wide figures: 17.5 million Pioneers have fully passed KYC, and 15.7 million have already migrated to Mainnet. The gap indicates millions are in the final checklist stage. Pi urged fully KYC'd users to complete wallet setup, two-factor authentication, and token acceptance to finish migration. Additionally, approximately 3 million Pioneers are in the Tentative KYC process, many of whom can self-unblock by completing required liveness checks in the app.
In a parallel development, Bitget has officially enabled PI as a collateral asset for its institutional loan products, effective December 5. PI now carries a 90% loan-to-value (LTV) ratio, placing it alongside major stablecoins and high-grade assets like PYUSD and DAI. This allows institutions to borrow using PI as collateral, unlocking liquidity without forcing sales and signaling a shift in how centralized platforms view Pi's status.
Furthermore, PiBridge has announced a future 'Flexible Loans' feature that will allow users to collateralize their Pi holdings to unlock instant loans in USD without selling their assets. This system, built over PiBridge's existing ecosystem of staking pools, P2P lending, and cross-chain tools, is slated for launch alongside the full open mainnet in Q1 2026. PiBridge acknowledges the liquidation risks associated with Pi's price volatility and states it will employ automated liquidation systems similar to major DeFi lending protocols.
The timing of these updates is strategic as Pi Network approaches broader Mainnet functionality. The combination of faster, AI-powered KYC and new financial utility through institutional and DeFi lending represents a shift in Pi Network's trajectory, scaling not just users but also infrastructure, compliance speed, and financial utility simultaneously.
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