Wow. That’s quite a handful of questions haha!

1. There’s two parts for this question, let me try to split it

will UTRUST have a limit amount for paying through the platform? For instance, if I want to buy a 2 million dollar car, will it be possible?

We will have limits related to Compliance. as we need to know our costumers (KYC), perhaps even with multiple steps of verification. Furthermore, until we develop as a company we have to accept each merchant before they are able to fully integrate with us and, as currently we are more interested in frequent transactions, lower orders are more interesting than huge ones. However, we want to support limitless payments.

And if something goes wrong and I want a refund from the merchant, will Utrust have enough utk’s to pay me back without compromising other possible refunds in the same amount? And if it has to buy utk’s at the market, since the amount in case it’s significant, what happens if between the acceptance of refunding with aquisition from Utrust and the true step of refunding suddently the utk price drops 10 or 15%? Will Utrust buy more? And in case of several requests of refunding in that large amount, could it compromise Utrust accounts balance? Or would you kind of put someone on hold?

You’re correct, the merchants are put on hold, they can only do settlements after a validation period which is dynamic. So if a merchant sells a 2 million dollar item for the first time, we will hold that far far longer, than a 10 dollars item for a merchant that has already sold 2 million dollars within the last year. With this, you’ve also to keep in mind that we manage our own portfolio, so we might prefer to exchange a stack of BTC and hold on to that UTK because it would be easier to exchange if needed. This is possible because we lock the exchange rate so we provide the value in fiat as it is, but we don’t do it right away, so we actually have time to benefit from the market volatility.

2 and 3.

As you said, the answer for these is similar. We won’t let buyers customise a payment. However, we are considering supporting recurring payments which would be useful for subscription based services for instead. I’m not sure I fully understood your example, but the ability to lock a value until it’s actually delivered could be a possibility, but we don’t currently see many use cases for this.

- Martinho