UTRUST users, for a price, get a revolutionary payment platform empowering buyers anywhere with a groundbreaking purchase protection mechanism. Businesses and individuals can use UTRUST for instant transactions, buyer protection modules, and cryptocurrency-to-cash settlements. Merchants can accept several cryptocurrencies at once, including UTK price token, and avoid inconvenient chargebacks, credit card fraud, and other potentially fraudulent payment schemes. Each payment can instantly be converted to fiat currency to protect merchants from market volatility. UTRUST offers users a single payment system for multiple currencies, enabling instant customer satisfaction. For buyers, the risk of wasting money on fraudulent merchants is considerably lessened with comprehensive buyer protection features and by UTRUST itself acting as a third-party moderator.