Utrust is an instant payment processing system that seeks to instantly process cryptocurrency payments on behalf of businesses and then immediately settle it with cash. For this service, Utrust charges a 1% transaction fee denominated in its native token, UTK. The UTK token can be used as payment from customers to merchants and if this payment method is used, the fiat conversion fees are waived. UTK can be purchased through exchanges and is also paid out to members of the affiliate program as a form of reward.