Liquid

LiquidTrust, operating as Liquid Global, Inc., is a financial technology firm that has carved a niche in the expansive B2B payments market by focusing on security and trust for small and midsize businesses (SMBs). The company was founded by CEO Saujin Yi, who pivoted the business in 2024 following challenges encountered with a previous venture during the economic downturn of 2022. This prior experience, building a procure-to-pay platform for SMBs, provided Yi and her team with deep insights into the payment vulnerabilities faced by smaller enterprises, directly informing LiquidTrust's current mission.

The company's core offering is Micro Escrow Pay, a patent-pending payment solution designed to embed trust directly into transactions. This service addresses a critical gap in the market, where traditional tools like letters of credit are often too complex and costly for the typical transaction sizes of SMBs. LiquidTrust's platform functions by holding funds in a micro-escrow account until predefined conditions between the buyer and seller are met, at which point the funds are released. This mechanism is engineered to mitigate risks such as fraud and non-payment, particularly in cross-border transactions.

LiquidTrust operates on a multi-faceted business model, offering its services directly to SMBs and also through channel partnerships with banks and other platforms. For direct business clients, the company provides two main services: 'Direct Pay' for faster, standard transactions and 'Protected Pay', which utilizes the Micro Escrow™ technology for a 1% fee on the transaction amount. For banks and platforms, LiquidTrust offers a white-label solution, enabling them to provide branded, escrow-protected payment services to their own SMB customers. This go-to-market strategy aims to embed the service where SMBs already conduct their financial activities.

In March 2025, the company announced the completion of a $4 million seed funding round. The round was led by Anthemis Female Innovators Lab Fund, Resolute Ventures, and Motivate Ventures, with support from BMO and J.P. Morgan. LiquidTrust leverages J.P. Morgan's embedded finance platform for its treasury management and global payment infrastructure, enabling it to process payments across more than 200 countries. The company's leadership team, which includes COO Tamra Johnson, combines expertise in finance, technology, and compliance. LiquidTrust has gained industry recognition, winning the Women in Payments Unicorn Challenge in 2025 and graduating from the WMNfintech accelerator program.

Keywords: Micro Escrow Pay, SMB payments, B2B payments, secure transactions, cross-border payments, fintech, Saujin Yi, escrow service, payment fraud protection, global payments infrastructure, trade finance for SMBs, Resolute Ventures, Anthemis, Motivate Ventures, J.P. Morgan embedded finance, payment risk mitigation, B2B transaction security, small business financial services, vendor payments, international trade payments, digital escrow, payment APIs, white-label payment solutions, accounts payable solutions, secure payment gateway