By The LiquidTrust team

LiquidTrust is a payments innovation company serving FIs, B2B platforms and SMBs globally.

Summary

You can accept payments on a B2B marketplace without taking on money‑transmission or unlicensed escrow risk. The model: licensed custody, configurable escrow, and managed KYC/KYB/AML with hosted or API integration. Here’s the playbook.

The problem with doing it yourself

When a marketplace holds or controls user funds—even briefly—it can trigger money‑transmission or escrow licensing obligations. Many platforms cross this line unintentionally. The safer pattern is to keep the platform out of the flow of funds and use licensed, segregated custody for conditional releases.

A legal path to accept payments on day one

1. Stand up licensed custody + escrow logic

   Use a partner that holds funds in segregated accounts and supports conditional release on delivery, milestone, or approval.
   
   

2. Embed KYC/KYB/AML

   Onboard buyers and sellers with provider‑managed verification and continuous monitoring.
   
   

3. Automate subledgers and payouts

   Maintain per‑party balances that reconcile to custodial accounts, with clear statements.
   
   

4. Choose your integration path

   Launch via hosted/white‑label in days; migrate to API for deeper control as you scale.

Sample configurations

• Goods marketplace: hold‑until‑delivery with optional inspection period.

• Services or custom manufacture: milestone escrow with staged releases.

• US buyer → global seller: cross‑border payout with FX and compliance handled.

How LiquidTrust™ helps

• Protected Pay powered by Micro Escrow™ for conditional releases.

• Managed KYC/KYB/AML and SOC 2 on J.P. Morgan rails.

• Hosted, white‑label, or API with transparent economics (e.g., 1% for Protected Pay).

Glossary: Micro Escrow™ is a digital escrow that safeguards funds until verifiable conditions are met, operated under licensed, segregated custody.

Learn more about how LiquidTrust helps B2B marketplaces build payment trust.