Just use a MM account at a bank/institution using Federal Reserve deposits. It sucks to concentrate on the large big institutions but it's the only safe move right now.

Note, the Federal reserve has now insane liabilities. But they can print money so they will never default. If your payroll and expenses are in USD nominal you are covered.

If you go, aha! but how do you safely protect your funds from inflation and Fed's money printer? Good luck with that. The system is rigged. "It's a big club and you ain't in it".