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?
No. they have different idea and product. TenX have credut cards (in fact they dont have yet, only Centra have real cards).
Utrust its a platform for crypto-payments.