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Where to buy SALT

How SALT membership works and where to buy its tokens.

SALT (Secure Automated Lending Technology) is an ingenious new financing system, designed to let users borrow with blockchain assets held as collateral.

The SALT tokens are membership tokens. These are used to buy access to the platform’s services, with more tokens required to access higher membership tiers. The higher the membership tier, the better and more flexible your financing options are.

If you want to hold more money in cryptocurrency without giving up your purchasing power, or think there will be a demand for it, SALT might be a smart purchase.

Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Where to buy SALT

Name Product Deposit methods Fiat Currencies Cryptocurrencies
Changelly Crypto-to-Crypto Exchange
Credit card, Cryptocurrency


Access competitive crypto-to-crypto exchange rates for 150+ cryptocurrencies on this global exchange.
Gate.io Cryptocurrency Exchange


Finder exclusive: New users get $90 worth of Gate.IO points and an airdrop of $5 in GateTokens if trade volume exceeds $100 in their first week. T&Cs apply.
A feature-rich exchange with over 700 tokens including derivatives, yield farming and lending products.
ShapeShift Cryptocurrency Exchange
Credit card, Cryptocurrency, Debit card, Banxa


Quickly swap between more than 40 cryptocurrency assets or use your credit card to instantly buy bitcoin.
IDEX Cryptocurrency Exchange


A decentralised cryptocurrency exchange where you can trade over 250 ERC20 tokens.

Compare up to 4 providers

What are the unique benefits of SALT?

SALT is relatively simple, but only because the technology that makes it work is so complex.

Its features might well revolutionise finance, for both individuals and institutions. Here’s what it can do for you:

  • Use blockchain assets as collateral. This is the main feature. You can use your cryptocurrency assets, like bitcoin, as collateral for a loan. This lets you simultaneously invest in cryptocurrency while maintaining cash flow.
  • Automatic loan management. Once they’re set up, SALT contracts essentially manage themselves. Lenders mostly don’t need to do anything except front the money.
  • Set your own loan terms. You can set your own loan terms, within certain parameters depending on how much crypto you can put up as collateral and what your SALT membership tier is, and get matched with an available lender that can offer those terms.

The extremely quick processing on the blockchain facilitates terms that aren’t feasible elsewhere, such as loan terms measured in hours rather than weeks, multi-currency loans, and special conditions attached to loans.

In many cases, SALT will also be able to offer much better value for money than traditional loans. This is because the automated system lets lenders participate with almost no overhead expenses and almost zero risks of not getting their money’s worth. This lets lenders offer much more competitive rates on SALT than elsewhere.

It will also provide an extremely competitive marketplace, with lenders from all over the world competing for business.

For bad credit borrowers, in particular, it stands to be an incredibly cost-effective option. SALT doesn’t consider a borrower’s credit score or history at all. Instead, it simply considers how much collateral the borrower has.

How does SALT work?

SALT is a matchmaking platform to put suitable borrowers and lenders together. It handles all the risk legwork, and then automatically manages the loan.

Borrowers will need to purchase a SALT Membership in order to start using the platform. That’s what the SALT tokens are. The more you have, the higher the accessible membership tier.

  • Membership: 1 SALT per year. Allows access to core services.
  • Premier membership: 30 SALT per year. Allows access to a much wider range of benefits.
  • Enterprise membership: Custom pricing. Allows for highly exceptionally flexible and cost-effective enterprise-scale financing solutions with blockchain assets as collateral.

SALT membership

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SALT membership tiers and featureswww.saltlending.com

How does SALT account for volatility in collateral?

The loan value ratio (LVR) is dynamically calculated based on the current value of assets being held as collateral, and generally SALT aims to maintain an 80% LVR (the collateral is worth 80% of the borrowed amount).

The SALT Oracle regularly checks the current value of collateral against the loan amount. If the value of the collateral falls and leads to a too-low LVR, the SALT Oracle will automatically contact the borrower and invite them to top up their collateral and/or make additional loan repayments until LVR is back at an acceptable level.

There are no early repayment penalties, so borrowers can manage their repayments as needs arise. And if the value of the collateral increases, the borrower might choose to borrow even more or simply do nothing.

In the event of borrower default, or if they don’t bring the LVR back to an acceptable level when their collateral value drops (after being contacted), the Oracle can automatically initiate partial liquidation of the collateral.

The Oracle means the loan management system is almost entirely automated, while SALT’s dynamic LVR system dramatically cuts the risk for lenders.

It offers them a very tempting proposition, even more so because SALT can act as the intermediary between lenders and borrowers, and fiat and crypto. This lets banks, brokers and other traditional lenders get onboard directly, in keeping with regulatory requirements.

How is the collateral held?

You can automatically deposit the collateral into the SALT cold storage wallets for safe keeping, and they can continue appreciating in value. In many cases, the collateral will probably end up appreciating well beyond the cost of interest paid on loan.

Borrowers will also be able to take advantage of planned features, such as:

  • Refinancing. At the time of writing, borrowers can only refinance by paying off the current loan (at no extra cost) and taking a new one. But SALT plans to offer refinancing options in the future, which will introduce even more active competition among the lenders.
  • Hedging. Borrowers will be able to reduce their risk by hedging against market drops that might impact the value of their collateral.

Should I buy SALT? Will the token appreciate?

It’s impossible to say what will happen in the future, and SALT Membership tokens, in particular, might not follow a typical cryptocurrency path. However, it’s important to note that SALT is offering an extremely tempting proposition for both borrowers and lenders, for all the reasons mentioned above.

Circumstance might also weigh heavily in SALT’s favour, and in favour of increasing token values in the future.

  • ICOs are proliferating, and ICOs can definitely benefit from SALT. It’s probably one of the best ways to convert cryptocurrency reserves into usable cash flow.
  • SALT is currently available in the US only, and SALT tokens are primarily membership passes. As it moves into new markets, there’s going to be a lot more demand for tokens.
  • There’s a hard cap of 120 million SALT tokens, and no more being minted. As demand for SALT as a business grows, the token value may grow with it.

SALT’s exceptionally solid business plan might have the future of the token looking good, but there are still some questions to consider. Most importantly, SALT will be constantly be receiving its own supply of tokens from membership fees and for purchases.

It’s safe to assume that the organisation itself is also going to be selling tokens back into the market. There’s a finite number of tokens, but they’ll probably be circulating right back into the market. Plus, it’s in SALT’s interest to make sure any new customers can get their hands on membership tokens at reasonable prices.

The future of SALT may be looking extremely bright, but buyers probably shouldn’t expect astronomical growth.

Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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