I have been watching Salt since 2017 and was unable to get a loan because I'm a resident of CA. Salt recently got licensed in CA and I did my first loan with them and everything went well. I chose Salt because they have been around since bitcoin-collateralized lending began and sailed through the FTX, 3AC, Block I et al debacle without losing a single SAT. Reputation matters in this newly emerging sector. Highly recommended.
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