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Utrust was designed to provide a solution to the problems resulting in low usability of cryptocurrency as means of payment, particularly the underdeveloped transactional security of payment platforms and relatively high fees. The main goal of the platform is to build a system that will enable fast and seamless crypto transactions at lower fees, therefore allowing merchants to reach a large audience of crypto holders. The platform allows buyers to make secure purchases while also offering an option for refunds and protecting sellers from the high volatility of the crypto market. Utrust aims to create a more reliable payments platform by combining the best features of blockchain and traditional fiat systems.