I am a SALT member. You only need to purchase 1 SALT to join. Enables you to borrow up to $10,000 against your crypto. When you sign up you will notice the dashboard is well advance. They have 64,000 members, and funding over $31,000,000 in loans according to the dashboard. From everything I have read you can repay your principal and interest on the loans with SALT tokens. Tonight they trade for under $4, and their value (according to everything I have read on line) is $27.50 towards loan payments. How will they make $$ like this? I think the value of the tokens will rise in the future, so what you can use today at $27.50 will probably be worth more in the future, so then the borrower would repay in FIAT. So I think this is a loss leader, because you have to take loans out over 2-3 years I believe, and you can not just flip the tokens immediately to pay the loan. The tokens are accepted only as monthly payments are due. I will see shortly bc my application is in now for a loan. So essentially the arbitrage for the tokens is a 'Loss Leader' now. Also SALT recovers their tokens that they can later sell back on the open market, so they can recover Fiat for them, so it's not like they are losing $$ in the long term. When you sign up ask customer service if a loan can be taken out in your state (US Citizens). Personal & Commercial loans are only available as they are approved by each states SEC.