Air Token has a market cap of almost 15 miljon dollars and has 2/3 of their coins into circulation.
They say they can offer lendings to people that are "unbanked". Mostly poor countries, or areas with a very low population.
People who want to get a lending are offered a smart contract.
Their app has only been dowloaden between 100 and 500 times and is only available with Google Play.
With a market cap of 15 miljon and a downloaded app of 500 times, each dowload equels the amount of 15 miljon / 500 = $ 29,634,15.
A very expensive app according to each user they have at this moment if you ask me.

p.s.: The company was founded in 2016. The app is still a Beta-Version.