Guys.. If my prediction is correct.. uTrust already have the platform. They are not going to use smart contracts to run the system. Instead they gonna work like Paypal. Only difference is that they have their own currency. Other than that, everything can be done outside the blockchain. Thats why they can bring the merchants by december itself. Very clever these people. Took the simple concept and raised millions . But this thing gonna work for sure. Right now we strong solution for market volatility and converting cryto to fiat. Doesnt matter how it is done.