most of you dont need the liquidity

i only know a few instant withdrawals available in sg

maribank invest saveplus: $10,000 

wise interest: $17,000

chocolate finance: $20,000

wise was unlimited, but they restricted the amount lower, which is smart

instant withdrawal feature on money market funds that cost like 0.1% is a feature i would pay for

in reality, most of people dont need instant liquidity on their entire balance

most people dont realize that certain investments or lifestyle choices will turn them extremely illiquid (eg real estate and cars)

i dont know whats the opposite of a sweet spot it, but that would be fixed deposits

mediocre rates for extreme illiquidity

cash - unlimited liquidity, possibly low rates

instant withdrawals - $27k a day, enough for 99.9% of you

money market funds / tbill etfs - takes a couple days, no cap

if you need more than $27k instant liq within the day, the problem is you and your inability to forecast expenses and smartly decide where to park your cash