UTVonline is presented as an alternative to banks that aims to help common people beat inflation while also helping retired, disabled, or needy persons. It encourages participants to commit between 2,500-50,000 INR for 15-30 days, after which they can withdraw 20-50% more than their initial commitment. However, it notes the system does not provide guarantees and could collapse if new deposits cease and defaults increase. Participants can earn additional income by recommending others. The goal is portrayed as achieving financial freedom without work through participating in this system.