Are Self-Custody Merchant Accounts Dead? Why Smart Businesses Are Ditching CoinPayments for Larecoin

The Death of Self-Custody Has Been Greatly Exaggerated

Self-custody merchant accounts aren't dying. They're evolving.

And most legacy platforms like CoinPayments are getting left behind.

Here's what's actually happening: The regulatory landscape shifted massively in July 2025 when the House passed the Digital Asset Market Clarity Act. Banks can now legally custody crypto assets. The SEC rescinded SAB 121. The capital penalties that killed innovation? Gone.

This didn't kill self-custody. It supercharged it.

Major institutions: BNY Mellon, State Street, Citi, JPMorgan: are all building independent custody platforms. Family offices are demanding actual control over their digital assets. Corporate treasuries are waking up to the fact that exchange custody is a liability nightmare waiting to happen.

Remember FTX? Yeah. That's what happens when you don't have true custody.

The merchants who succeed in 2026 aren't the ones abandoning self-custody. They're the ones upgrading to modern solutions that actually deliver on the promise.

Why CoinPayments Is Bleeding Market Share

CoinPayments launched in 2013. It was revolutionary for its time.

But that time has passed.

The platform still operates like it's 2018. Same clunky interface. Same limited features. Same outdated custody model that puts merchants at unnecessary risk.

Here's where CoinPayments falls short:

Legacy Infrastructure. Built on old blockchain tech that can't keep up with modern demands. Transaction speeds lag. Fees are unpredictable. Integration requires developer resources most small businesses don't have.

Limited Stablecoin Options. No LUSD integration. No real DeFi connectivity. Merchants are stuck with volatile assets or paying conversion fees that eat into margins.

No Innovation. When was the last time CoinPayments launched something genuinely new? The platform has stagnated while Web3 evolved around it.

Basic Accounting. Receipt management looks like something from 2015. No NFT receipts. No automated reconciliation. Finance teams waste hours on manual data entry.

Opaque Fee Structure. Merchants report surprise charges. Hidden conversion costs. The advertised 0.5% rate balloons with all the add-ons.

Smart businesses aren't just leaving CoinPayments. They're running.

What Larecoin Does Differently

Larecoin isn't trying to compete with CoinPayments. We're operating in a different category entirely.

This is Web3 global payments built for how businesses actually work in 2026.

True Self-Custody. Your keys. Your coins. Your control. No exchange risk. No wondering if your funds are actually there. Full sovereignty without compromise.

LUSD Integration. Accept payments in LUSD stablecoin. Zero volatility risk. All the benefits of crypto without the wild price swings that make CFOs nervous.

NFT Receipts. Every transaction generates an NFT receipt. Immutable proof of payment. Automated accounting reconciliation. Finance teams love us for this alone.

Receivables Token Technology. Convert outstanding invoices into tradable tokens. Access working capital instantly. No bank approval needed.

Multi-Chain Support. Built on Solana. Interoperable with Ethereum, BSC, and major chains. Accept payments however customers want to send them.

Sub-0.1% Fees. Transaction costs that actually make sense. No hidden charges. No surprise conversion fees. What you see is what you pay.

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

The Real Advantages for Merchants

Numbers don't lie.

Merchants switching from CoinPayments to Larecoin report average fee reductions of 60-70%. That's not marketing spin. That's money hitting their bottom line every single transaction.

A mid-sized e-commerce business processing $500K monthly in crypto payments was paying CoinPayments roughly $2,500 in fees. Same volume on Larecoin? Under $500. That's $24K annually going straight to profit instead of payment processor pockets.

But the financial benefits go deeper.

Working Capital Access. The receivables token feature is game-changing for businesses with 30, 60, 90-day payment terms. Instead of waiting for payment, convert invoices to tokens and access liquidity immediately. No traditional factoring fees. No bank relationships required.

Global Reach Without Banks. Accept payments from anywhere. No merchant account restrictions. No geographic limitations. If they have crypto, you can accept it. That's billions of potential customers traditional payment systems lock you out of.

Compliance Made Simple. NFT receipts create automatic audit trails. Every transaction timestamped on-chain. Immutable records that satisfy regulators and make tax season actually bearable.

DeFi Integration. Connect directly to liquidity pools. Stake idle capital. Generate yield on operating reserves. Your treasury becomes a profit center instead of dead weight.

CoinPayments offers transactions. Larecoin offers an entire financial operating system.

Why Legacy Platforms Can't Compete

The institutional adoption wave happening right now isn't random.

Banks and major financial institutions are building crypto custody because they see what's coming. The organizations that ignored this shift got caught flat-footed. The ones moving fast are positioning for dominance.

Small and mid-size businesses have the same opportunity.

Legacy platforms like CoinPayments were built for a different era. They're centralized solutions trying to serve a decentralized economy. The architecture doesn't support modern features. Upgrades require complete rebuilds. They're too invested in old tech to pivot effectively.

Larecoin was built from scratch for Web3. Native blockchain integration. Smart contract automation. True decentralization where it matters. Centralized convenience where it helps.

This isn't about being newer. It's about being designed for the reality of how business works in 2026 and beyond.

The regulatory clarity that emerged in 2025 removed the last major barrier. Self-custody is no longer risky or unclear legally. It's the smart play. The safe play. The play that gives merchants actual control over their financial future.

Future-Proofing Your Payment Infrastructure

The businesses winning in the crypto payment space aren't the ones with the most advanced tech teams.

They're the ones making smart infrastructure decisions now.

Choosing a payment platform isn't just about today's fees. It's about positioning for where the market is headed. Traditional payment rails are dying slowly, then all at once. Card networks are scrambling. Banks are defensive. The smart money sees the writing on the wall.

Crypto payments are growing at 147% year-over-year. Customer demand isn't slowing down. It's accelerating. Every merchant that says "we don't accept crypto" is leaving money on the table and handing competitive advantage to whoever does.

CoinPayments might have been the right choice in 2018. It's the wrong choice in 2026.

Larecoin represents the future. Native Web3 integration. Real self-custody without the technical headaches. Financial tools that actually solve business problems instead of creating new ones.

Make the Switch

The question isn't whether to adopt crypto payments. That ship sailed.

The question is which platform positions your business for the next decade.

CoinPayments is legacy infrastructure operating on borrowed time. Larecoin is purpose-built for Web3 commerce.

Lower fees. Better features. True self-custody. Financial sovereignty.

Set up your merchant account in under 10 minutes. No credit checks. No bank relationships required. Just real crypto payments that actually work.

The merchants making the switch aren't early adopters gambling on unproven tech. They're business owners making rational decisions based on better economics and superior functionality.

Smart businesses aren't waiting to see what happens. They're already here.