The SALT platform is meant to facilitate getting a loan, where the company holds your cryptocoins as collateral while you don't pay back the loan.
Sphere (SPHR) is a decentralized peer-to-peerpayment network, secured through a proof of stake (pos) consensus blockchain. (sphere) is designed to act as an efficient and secure means of commerce, while also serving as an appreciating token for traders and long-term holders.