I think the key difference is that UCTs and CCTs aren't (or at least don't have to be) doled out to "qualified" persons. They can just be given. I like UBI (Universal Basic Income) as it is a scaling UCT that disappears once you earn over a certain amount. So the traditional inefficiencies are no longer a concern.

CCTs could be issued in a universal sense as well, with an income threshold of some sort. But admittedly they are more complicated than UBI. But not necessarily as convoluted as current systems.