A few thoughts on SALT lending (https://saltlending.com/) – where memberships are priced at $25, but currently trading below $4.
When the service launches (est. end of Nov), they will allow members to borrow USD against their crypto collateral - e.g. BTC/ETH. Loans are repaid with interest- I believe at 10% APR, but interest rates can be paid down using Salt tokens.
Salt memberships are priced at tier 1/1 Salt, tier 2/10 Salt, tier 3/100 Salt.
Tier 1 allows for 10k loans, Tier 2 - 100k, Tier 3 - 1M.
So if you calculate that an investment of under $400 will give access to a $1M line of credit. If we speculate that 10 Salt would be used to reduce the interest rate by 1% on a 100k loan, that's $40 in Salt yielding $1000 in interest saved.
I'd recommend looking at the SALT tokens as an opportunity to have a membership, not as an investment vehicle (even though I think $4 SALT tokens are greatly undervalued) – when this service launches it will be incredibly valuable, and if it does achieve its goals within financial services, the price of memberships will match that value.
EDIT: The loan needs crypto collateral with 0.8 LTV ratio ($100.000 loan needs $125.000 in BTC/ETH collateral) - via Johnny Bravo on the Salt Lending Slack