Are CoinPayments and NOWPayments Giving You Real Freedom? The Truth About Decentralized Payments

Let's cut straight to it.

You got into crypto for freedom. Financial sovereignty. No middlemen. No gatekeepers.

So why are you still handing your revenue to payment processors?

CoinPayments. NOWPayments. They talk a big game about decentralization. But here's what they're not telling you.

The Custodial Trap: CoinPayments' Hidden Cost

CoinPayments supports 2,000+ cryptocurrencies. Impressive on paper.

But here's the catch.

They hold your funds.

That's right. CoinPayments operates a fully custodial model. Your customer pays. CoinPayments receives. Then maybe they release it to you. Processing times? Variable. Sometimes minutes. Sometimes hours.

Sound familiar? It should.

That's exactly how traditional payment processors work. You've essentially swapped Visa for a crypto middleman.

Key problems with CoinPayments:

• Custodial model : They control your money

• Variable processing speeds : Minutes to hours

• Third-party dependency : You need permission to access YOUR revenue

• Centralized infrastructure : Single point of failure

This isn't financial freedom. It's the same old system with a blockchain logo slapped on it.

NOWPayments: Better, But Still Not Free

Credit where it's due.

NOWPayments stepped up. They offer a non-custodial option. Payments forward directly to your wallet. Average processing time? About 5 minutes.

That's progress.

They support 300+ cryptocurrencies. Fees sit around 0.5-1%. Customizable network fee options give merchants more control at checkout.

But here's the reality check.

NOWPayments is still a payment processor managing transactions through their infrastructure. You're still dependent on their platform. Their systems. Their uptime.

What happens when their servers go down? What about their fee structure changes? Policy updates?

You're still not in control.

The limitations:

• Platform dependency : Their infrastructure, their rules

• Standard processing fees : 0.5-1% eats into margins

• No interchange fee reduction : You still pay network fees on top

• Limited utility beyond payments : Just processing, nothing more

Non-custodial is a step forward. But it's not the destination.

What Real Decentralized Payments Look Like

True financial sovereignty requires more than just direct wallet deposits.

It demands:

1. Full self-custody : Your keys, your coins, always

2. Massive fee reduction : Not 0.5% off. We're talking 50%+ savings

3. Utility beyond transactions : Payments that work harder for your business

4. Stablecoin integration : Volatility protection built in

5. Transparent, immutable records : Receipts that can't be disputed or lost

Neither CoinPayments nor NOWPayments deliver all five.

But there's a platform that does.

Larecoin: Web3 Payments Built for Actual Freedom

Here's where it gets interesting.

Larecoin wasn't built to compete with traditional processors. It was built to replace them entirely.

Self-custody is non-negotiable. Your funds hit your wallet. Period. No holding periods. No permission required. No third-party custody ever.

But that's just the baseline.

Slash Interchange Fees by 50%+

This is the game-changer.

Traditional payment processing costs merchants 2-4% per transaction. CoinPayments and NOWPayments charge 0.5-1% on top of network fees.

Larecoin's architecture cuts merchant interchange fees by more than half. That's not marketing fluff. That's structural.

For a business processing $100,000 monthly, that's potentially $2,000+ back in your pocket. Every single month.

Learn exactly how this works in our detailed merchant guide.

NFT Receipts: Proof That Actually Proves Something

Paper receipts fade. Digital receipts get lost in email folders. Chargebacks happen because proof disappears.

NFT receipts solve this permanently.

Every Larecoin transaction can generate an immutable, on-chain receipt. Timestamped. Verifiable. Permanent.

Benefits for merchants:

• Chargeback protection : Indisputable proof of transaction

• Automatic record-keeping : No manual reconciliation needed

• Customer confidence : Transparent, verifiable purchases

• Accounting simplification : Blockchain-based audit trail

This isn't a gimmick. It's infrastructure that protects your business.

LUSD Stablecoin: Volatility? Not Your Problem

Crypto payments have one major objection. Volatility.

Accept Bitcoin today. Worth 10% less tomorrow. That's a real concern.

LUSD eliminates it.

Larecoin's stablecoin maintains dollar parity while keeping you in the crypto ecosystem. Accept payments in LUSD. Hold value. Convert when you want.

No more timing the market with your revenue. No more spreadsheet gymnastics calculating gains and losses. Just stable value, on-chain.

The Receivables Token Advantage

Here's something neither CoinPayments nor NOWPayments offers.

Larecoin's receivables token transforms how merchants access capital. Your incoming payments become tokenized assets. Liquidity without loans. Cash flow without waiting.

Dive deeper into how receivables tokens unlock merchant freedom.

The Real Comparison

Let's stack these platforms side by side.

CoinPayments:

• Custodial ❌

• 2,000+ cryptos ✓

• Variable processing times

• Standard fees

• No interchange reduction

• No NFT receipts

• No stablecoin ecosystem

NOWPayments:

• Non-custodial option ✓

• 300+ cryptos ✓

• ~5 minute processing

• 0.5-1% fees

• No interchange reduction

• No NFT receipts

• No stablecoin ecosystem

Larecoin:

• Full self-custody ✓

• Multi-chain support ✓

• Fast processing ✓

• 50%+ interchange reduction ✓

• NFT receipts ✓

• LUSD stablecoin ✓

• Receivables token ✓

The difference isn't incremental. It's categorical.

For detailed breakdowns, check out our comparison posts on NOWPayments vs Larecoin and CoinPayments vs Larecoin.

The Bottom Line

CoinPayments gives you crypto with centralized control. NOWPayments gives you better custody with limited utility.

Neither gives you real freedom.

Real freedom means:

• Your money hits your wallet instantly

• Fees drop by 50% or more

• Every transaction creates permanent proof

• Volatility doesn't touch your bottom line

• Your receivables work for you

That's what Larecoin delivers.

Web3 payments should actually be Web3. Decentralized. Self-sovereign. Built for merchants, not processors.

Ready to Stop Compromising?

The 10-year Larecoin blog marathon continues. We're documenting the entire journey toward true financial sovereignty for merchants worldwide.

This isn't about incremental improvements to broken systems. It's about building something fundamentally different.

Your next move:

1. Explore the Larecoin ecosystem

2. Read the whitepaper

3. Join the community

4. Start accepting payments that actually respect your freedom

The future of payments isn't custodial. It isn't platform-dependent. It's self-sovereign.

And it's already here.