LiquidTrust™, a fintech company dedicated to developing secure payment solutions for small and medium-sized businesses (SMBs), recently announced a successful $4 million seed funding round. The funding was revealed during an event with J.P. Morgan at the Fintech Meetup, marking a significant milestone for the company. Prominent investors in this round include Anthemis Female Innovators Lab Fund, Resolute Ventures, and Motivate Ventures, with strategic backing from both BMO and J.P. Morgan.
In conjunction with this announcement, LiquidTrust™ introduced Micro Escrow™ (pending patent), a pioneering escrow payment solution specifically designed for SMBs. This unique offering aims to integrate trust directly into payment processes, allowing businesses, their suppliers, and customers to conduct transactions with enhanced security, thereby mitigating concerns about fraud, nonpayment, or counterparty risk.
"SMBs are the backbone of the global economy, driving $14 trillion in B2B payments annually. Yet two-thirds of this volume remains unprotected because existing solutions—like letters of credit or traditional escrow—are too costly or complex for small businesses," said Saujin Yi, Founder and CEO of LiquidTrust™. "We’ve built a seamless, bank-enabled solution that eliminates payment risk at the source. With Micro Escrow™, SMBs no longer have to choose between trust and growth."
The significance of Micro Escrow™ for SMBs cannot be overstated. A staggering 92% of SMBs in the U.S. cite fraud and payment loss as critical concerns. Traditional payment methods such as ACH, wire transfers, and checks typically lack robust protections, often placing businesses at risk of either paying upfront without any guarantees or delivering products and services without secured payment. This challenge is exacerbated in international transactions.
Micro Escrow™ addresses these pressing issues by embedding escrow protection directly within global payment flows. By offering real-time security without the need for intricate contracts or separate holding accounts, it provides a practical solution to an ongoing problem.
"Trust risk isn’t just a financial problem—it’s a growth killer," Yi emphasized, highlighting the broader implications of implementing such a solution. "By making escrow as seamless as credit card payments, we empower SMBs to expand their supplier and customer networks globally without fear of nonpayment or fraud."
Recognition of LiquidTrust™'s innovative approach has been evident. The company is an alumnus of the WMN fintech program, an accelerator aimed at empowering female fintech founders, managed by BMO and 1871. Their solutions have garnered strategic support from giants like BMO and J.P. Morgan, underscoring the growing endorsement of their vision.
In 2025, LiquidTrust™ was honored with the Women in Payments unicorn challenge, sponsored by PNC, which recognized its status as one of the most impactful fintech solutions in the payments landscape.
LiquidTrust™ is not only focused on Micro Escrow™ but is also dedicated to establishing a reliable payment infrastructure by partnering with premier financial institutions and technology providers. Their scalable platform integrates treasury management systems, payment APIs, and a strong framework for foreign exchange.
By collaborating with J.P. Morgan as its primary banking partner, LiquidTrust™ facilitates secure escrow-backed payments across over 200 countries, representing a significant advancement for businesses eager to operate in a global marketplace.
Saujin Yi is expected to discuss the influence of Micro Escrow™ on both SMBs and financial institutions during her participation in the Fintech Meetup’s Innovate 360 panel titled, "Mastering the Fintech Ecosystem."
LiquidTrust™ aims to equip small businesses with practical, scalable payment solutions to enhance their competitive edge in global markets. With the launch of Micro Escrow™ in 2024, the platform seeks to provide the same level of payment protection that has historically been exclusive to larger corporations.
With a leadership team that boasts extensive expertise in finance, technology, and compliance, LiquidTrust™ has developed a global payments framework capable of facilitating transactions across more than 200 countries. Plans to expand Micro Escrow™'s utility include domestic payments, replacing traditional letters of credit, and securing consumer transactions, thus setting new benchmarks for trust and security in payments. As LiquidTrust™ forges ahead, it aims to empower entrepreneurs and business owners to pursue new opportunities with confidence, free from the insecurities that have plagued small businesses in the past.