I don't trust most of them, but this one among a handful of others are also businesses.

As we age we can not count on savings alone, we must develop a passive income stream instead. SALT is a lending business, people will always need and want such a business.

There are others out there that fill this criteria, like VERI & PPT, to a different business building proposition I look at ETH, PLR & EOS, with Steem also in the building category.