Understanding the Principal Guarantee (Optional Feature)
As part of our commitment to transparency and flexibility, LiquidTrust offers an optional Principal Guarantee for Payees withdrawing funds in USD to a non-U.S. bank account.
This replaces our previous Transfer Guarantee feature and gives you the choice to ensure that your full withdrawal amount arrives without unexpected intermediary or correspondent bank fees.
The Principal Guarantee costs $10 USD per withdrawal and can be selected at the time you initiate your payout.
Why You Might Select This Option
Without the Principal Guarantee, payments routed through international banking networks may encounter intermediary or correspondent bank fees.
These fees are set by other banks in the payment chain and can vary depending on currency routes, countries, and relationships between institutions.
Without the Guarantee:
Intermediary banks may deduct handling fees during the transfer, which can result in receiving less than the amount you withdrew.
In some cases, these third-party deductions can reach up to $75 USD.
With the Guarantee:
LiquidTrust ensures that you receive the full amount you withdrew, even if intermediary banks charge additional fees.
We absorb or manage these extra costs on your behalf.
For more details on how and why these fees occur, see Understanding Intermediary and Correspondent Bank Fees.
What the Principal Guarantee Does
The Principal Guarantee acts like insurance for your payment.
When selected, LiquidTrust’s banking partners will cover or manage any additional intermediary or correspondent fees so that your receiving bank gets the full USD principal amount you requested to withdraw.
You’ll see the option when withdrawing USD to a non-U.S. account:
Why We Introduced This Option
As global payment networks evolve, some banks have begun passing higher costs for intermediary handling and routing. Rather than raising fees across all users, LiquidTrust introduced the Principal Guarantee so you can decide whether the peace of mind of a guaranteed full payout is worth the additional $10 USD.
This approach keeps our global network flexible, cost-effective, and transparent—giving you full control over your payout preferences.
Alternative Ways to Avoid Intermediary Fees
You can also avoid or minimize USD correspondent fees by choosing one of the following payout methods:
Receive Funds in Local Currency (Always $0 Fee):
If your country supports foreign exchange (FX) through LiquidTrust, you can receive your payout in your local currency—no intermediary fees, always $0 USD.
Check supported countries in our Country Coverage List.
The exact exchange rate is shown before you confirm your withdrawal.
Use a U.S. Bank Account (or Virtual Account):
You can also open a U.S.-based account (physical or virtual, such as Wise or Payoneer) to receive USD payments directly.
Withdrawals to these accounts are not subject to intermediary bank fees, though a small LiquidTrust fee may apply depending on location.
If You Still Encounter Fees
If you experience intermediary deductions after selecting the Principal Guarantee, contact support@liquidtrust.io with documentation (such as a bank statement showing the received amount).
LiquidTrust will refund the difference so you receive your full guaranteed amount.
Why This Matters
Intermediary bank fees are often unpredictable, even in well-established networks.
The Principal Guarantee gives you cost certainty and peace of mind for a small, optional fee—so you can focus on running your business, not tracing deductions.