Interesting project.
So comparing utrust and tenx. Tenx payments would be to spend crypto in real, physical shops, but Utrust would be used only for online payments?
So they are not directly competing with each other?
Also I can't believe anyone hasn't already done a project like this

Or is there any direct competition?
There's monetha but they seem very limited with multiple cryptocurrency support. Also, they doesn't seems very active with development and all as utrust is.