You can even go for L-BTC or maybe those other pegged coins that are altcoins. It is small or few amount that you want to be using for frequent transactions that you will have them for.
Your options for Liquid wallets are extremely limited because there is very few software that support that apart from Blockstream Jade (and anything else coming out of that company).
I agree with you that the Lightning Network is a better solution for this. Ideally, you'd want to run a decentralized node, but unless you have people paying for you, liquidity will be a huge problem. So the alternative is to use a custodial wallet to hold small amounts and when they become large, submarine-swap them for real bitcoins using Boltz or something like that.
but when you check the exchanges, you see that not all the exchanges accepts transactions with lighting network, expect that their is particular exchange that uses lighting network which is unknown to me. According Charles-Tim I will wish for you to list exchanges that you think that accept lighting network.
If I want to hold a bitcoin I can use custodial wallet to hold my bitcoin, but I'm talking of the charges being pay like transferring bitcoin from Electrum wallet to exchanges or transferring from trust to coinomi even to am exchanges address.