SALT is an open-source membership-based decentralised platform that provides lending and borrowing services. Users can receive credits with the help of their cryptocurrency savings and use digital assets to back their loans. In order to participate in the platform-based activities, SALT members are required to get SALT tokens. The general rule is that the more SALT coins they spend every year, the greater the amount of borrowings the users can receive. The company also offers a variety of insurance options for users’ collaterals and algorithms to track the “loan health”. With the help of advanced financial tools, the members are kept up-to-date regarding their available funds and possible risks.