FWIW I would personally trust the Liquid Network over a bank any day, especially for payments. But anyone can make that decision for themselves and their business.

Don’t forget as a US citizen you are speaking from a position of privilege. There is an underserved market that can’t get a bank account easily. Digital nomads and global small businesses is one of them. As a “foreign resident alien” (or whatever the IRS calls me) it’s hard to get a business bank account for my LLC. US banks see you as a compliance risk, not worth their time. So I have to use fintechs like Wise that don’t offer FDIC insurance. I’ll def take Liquid over holding any funds there.