I see a graphical representation of what the platform can visually look like, which is unsurprising that they can make. I don't have any indication on whether or not they are technically savvy to pull off the platform on a functional/dev level. That is not work for webdesign people but requires experienced blockchain devs. Nor do I know if they have financial expertise and connections to realize their promise. I don't think it's a simple task to pull off and in particular I imagine it might be difficult to get the crypto to fiat side of things to work out.
Well, based in Roadmap, UTRUST will have merchants (Don't sure but I think they already selected merchants) to test the platform (it was supposed to be in December 2017, but with the problems with KYC it was not possible).
Please note that UTRUST is ahead of roadmap. In roadmap said that Q2 2018 , merchants will test the platform. Who knows, maybe we will see the merchants test in this month.