Not sure SALT is a good idea using cryptos as in BTC etc.. as collateral. BTC is so volatile that you could be underwater when BTC move down. However, my guess is that once cryptos are held, they are converted to fiat thus maintaining the collateral value si it doesn't matter if the BTC value goes down. However not sure what is paid out fiat or cryptos? I assume it must be fiat because price appreciation of the BTC will likely be with SALT and you just make the interest collected on the loan. Another type of similar investment vehicle is Populous which is structured better for the investor.