Sep 17, 2025
By The LiquidTrust team
LiquidTrust is a payments innovation company serving FIs, B2B platforms and SMBs globally
September 17, 2025
Why This Recognition Matters for Financial Institutions
We’re proud to share that LiquidTrust has been named to the Fintech 50 by Datos Insights, a leading research and advisory firm focused on commercial banking and payments. The report recognizes the top fintech solution providers helping financial institutions (FIs) modernize their offerings and compete more effectively in a rapidly changing landscape.
LiquidTrust was featured for addressing one of the most urgent problems in business banking: the lack of trust and protection in cross-border B2B payments, especially for small- and midsized businesses (SMBs).
The Payment Trust Gap: What’s Holding SMBs Back
According to Datos Insights, the rise of new fintech solutions is accelerating disintermediation:
“Enterprises of every size are increasingly accessing financial services outside of their banks, eroding revenue and client relationships for financial institutions.”
The cross-border payments trust gap is especially painful for SMBs. While international trade is essential to their growth, over 75% of SMBs are dissatisfied with current cross-border solutions, and the fear of fraud is the leading barrier preventing more than one quarter of SMBs from even trying to make or receive online cross-border payments.
At the same time, 61% of SMBs are already turning to fintechs for better payment tools, and many say they would switch banks entirely in favor of a safer, real-time experience.
How LiquidTrust Solves the B2B Payments Trust Gap: Micro Escrow™ in Action
LiquidTrust partners with FIs to offer our Protected Pay solution, powered by patent-pending Micro Escrow™ technology, to their business banking customers.
What is Micro Escrow™?
Micro Escrow™ is a payment flow where funds are held securely until both parties confirm deliverables, offering built-in trust for global B2B payments.
Here’s how it works:
The Payor and Payee agree on terms of funds release in the LiquidTrust platform for the purchase of goods or services before any money movement
Once terms are agreed, money is moved from the Payor’s bank account into a trusted, subledgered holding account created and segregated for that transaction only
After funds are confirmed in the subledgered account, the Payee fulfills their obligation as pre-agreed to in the Protected Pay transaction
When agreed-to terms are met, Payee requests release of funds
Once confirmed by the Payor, the payment is released instantly
This approach delivers:
Built-in protection for global transactions under $250K
Peace of mind for both sides of the transaction
A modern, easy-to-deploy solution for FIs looking to retain and grow their SMB customer-base
For SMBs, the benefit is clear: 41% cite payment fraud as their top cross-border concern, and the fear of getting it wrong stops many from even attempting to expand globally.
Recognized for Real-Time Innovation by Datos Insights
LiquidTrust was recognized under the Real-Time capabilities category in Datos’ report - a trend reflecting the growing demand for instant, trusted infrastructure in financial services.
As Datos Insights Advisor Benjamin Nestor explains:
“The window for a strategic response to disintermediation is narrowing rapidly, making immediate action essential for preserving competitive positioning.” - Fintech 50 Summary Report
With LiquidTrust, FIs can quickly embed trust into their cross-border payment experience; helping their business customers to scale confidently, while also growing non-interest income and deposits.
What’s Next for LiquidTrust
We’re honored by the recognition and look forward to continuing our mission: making global payments safer, simpler, and more accessible for the businesses that need them most.
Datos will be publishing a full spotlight profile on LiquidTrust later this year, showcasing why our model represents a new category of trusted global B2B payment infrastructure.
Want to Offer Trusted Cross-Border B2B Payments to Your Customers?
Interested in offering trusted global payments to your customers? Learn more about Protected Pay and how your business can make use of Micro Escrow™ today!
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