Very informative thread and useful information for deciding in which ico to invest. I want to know what's OP opinion about PayPal based business model adaptation on blockchain like Monetha or Utrust? At first it looks like a great idea and proper model for a blockchain. What's your opinion? 
UTRUSTs business is understandable, which is good. I think theyre in a country where we can extradite them or sue them if they screw us, which is good.
Intuitively, one would think that there is big market need for Utrust. The question is whether they can execute.
Bitpay has been doing Bitcoin payment processing for merchants for 4 or more years. One needs to find out why they havent expanded to process addition cryptocurrencies. Why havent they? Is it unprofitable to do so? Is there insufficient demand from merchants or shoppers? If they wanted to, would they be able to quickly do so?
Bitpay has not exploded in growth. This means that there aren't enough people using Bitcoin to shop. If this is the case, how do you know it's worthwhile to add more cryptos and that processing more cryptos will grow this space?
I like that they have a comparison chart with their competitors. However, how do we know that UTRUSTs will be able to survive by providing the lowest fees?
If UTRUST supports multiple cryptocurrencies, which they should because this is their main differentiator from Bitpay, then why would shoppers use UTRUSTs token?
The CEO does not have a LinkedIn profile. How do we know that he has a high school diploma or any work experience?
With 16 people on the team (and 13 advisors), they shouldve built 8 prototypes by now. Most of these people are doing nothing. This reduces the confidence that they can out-execute Bitpay.
It would be great if a company like Utrust succeeds. Maybe UTRUST can execute. I dont know, as there isnt enough information.