Hi! From the borrowers' side, 1 CLT allows paying the platform fee for borrowing a loan up to $10,000 for one month.

The lenders on CoinLoan will have to pay a fee in the amount of 10% from the credited funds (i.e., interest). For example, a lender provided a loan in the amount of $10000 and earned interest in the amount of $1000. The 10% fee will be charged from these very $1000 and will comprise $100 (a rather reasonable fee for full funds security). But the lender can pay 10 CLT instead of $100 calculated as 1 CLT = $10. So for the lenders, it will be more profitable to pay the fee in tokens. For Pre-ICO participants who have purchased tokens for $1 the fee will be ten times lower.

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Yes, the absence of nicotine or its complete replacement by a more harmless analog is safe for humans.