Well, SALT has a bright future if it can be implemented in regions like Southeast Asia where the percentage of unbanked population is staggering... Even though there are companies which are trying to put financial products like credit cards and cash cards closer to population like
http://www.umayplus.com/cashcard/, there's still a long way to go. That company is in Thailand, but am pretty sure that there are similar alternatives in other countries of the region.
I believe in SALT and think it is a promising project, and I was pretty happy when I woke up this morning and saw this:
https://www.facebook.com/SALTLENDING/photos/a.304625613286394.1073741829.211253932623563/407050103043944/
as it seems they are moving towards real-world integration pretty well, so if they gain terrains in regions like Southeast Asia, then things will get even better.
It is a long-term hold, and I'm glad I had the chance to buy under ICO price

. I will simply hold it and forget about it, because it has a real-world use, the team is pretty good and yeah if they do things correctly then the project will succeed.