Are You Still Losing 3% on Every Sale? The LUSD Stablecoin Trick That Cuts Fees to Nearly Zero

The 3% Problem Every Merchant Faces

Every merchant knows the pain.

2.9% plus $0.30 per transaction. That's the standard rate with traditional payment processors. And crypto gateways like NOWPayments and CoinPayments? They're not much better: typically charging 0.5% to 1% per transaction.

Do the math on $100,000 in monthly sales. You're losing $2,900 to $3,200 with traditional processors. Even with crypto payment gateways, you're still handing over $500 to $1,000 every single month.

That's money coming straight out of your profit margins.

But here's the thing: LUSD stablecoin completely flips the script.

How LUSD Cuts Fees to Pennies

LUSD operates on a fundamentally different model. Instead of percentage-based fees that scale with your transaction size, you pay fixed gas fees.

That's it.

Whether you're processing a $50 sale or a $50,000 sale, the fee stays the same. Currently, gas fees on optimized networks range from $0.01 to $0.15 per transaction.

Let's break down the real numbers:

Traditional Payment Processor (2.9% + $0.30)

• 1,000 transactions = $100,000 revenue

• Fees: Approximately $3,200

• Your take: $96,800

LUSD with Optimized Gas Fees

• 1,000 transactions = $100,000 revenue

• Fees: Approximately $50 in gas fees

• Your take: $99,950

Savings: $3,150 per month. That's 98% less in fees.

Why LUSD? The Decentralized Difference

LUSD isn't just another stablecoin. It's a decentralized, algorithmic stablecoin that maintains its $1 peg through smart contracts: not centralized bank reserves like USDC or USDT.

Here's how the peg mechanism works:

LUSD holders can redeem their tokens for $1 worth of Ethereum at any time. This creates a hard price floor. If LUSD drops below $1, arbitrage traders immediately buy and redeem it for profit. The market automatically corrects itself.

No central authority. No frozen accounts. No permission required.

For merchants, this means:

• True self-custody of your funds

• No middleman holding your money

• Direct blockchain settlements with customers

• Complete financial independence

The redemption mechanism charges a small fee (starting at 0.5% base rate), but this only applies when converting LUSD back to ETH: not for accepting payments. Merchants keeping funds in stablecoins avoid this entirely.

The NOWPayments and CoinPayments Problem

NOWPayments charges 0.5% per transaction. CoinPayments hits you with 0.5% as well, plus additional network fees passed to the customer.

Sounds better than 3%, right?

But here's what they don't tell you:

You're still paying percentage-based fees. As your business scales, so do your costs. Hit $1 million in annual revenue, and you're paying $5,000 in fees to NOWPayments or CoinPayments.

With LUSD on Larecoin's optimized routing? You'd pay roughly $600 in gas fees for the same volume.

The bigger you grow, the more you save with LUSD.

Plus, both NOWPayments and CoinPayments act as custodians. They hold your crypto before releasing it to you. That's another layer of risk, another point of failure, another entity with control over your money.

LUSD payments through Larecoin go directly to your wallet. No custody period. No withdrawal delays. No permission needed to access your own funds.

How Larecoin Optimizes LUSD Payments

Gas fees vary based on network congestion. That's the catch with any blockchain solution.

Larecoin solves this through multi-chain routing. The platform automatically routes transactions across:

• Ethereum Layer 2 (Optimism, Arbitrum)

• Polygon

• Base

• Other EVM-compatible chains

The system picks the cheapest route in real-time. Customer pays in LUSD. You receive LUSD. The platform handles the routing optimization automatically.

During high congestion, Larecoin routes through alternative networks where gas fees remain low. This keeps your costs predictable: typically $0.01 to $0.05 per transaction across most networks.

You also get NFT receipts for every transaction. These aren't just digital trinkets. They're permanent, verifiable proof of payment stored on-chain. Perfect for accounting, disputes, or demonstrating transaction history without revealing sensitive customer data.

Real-World Numbers: Coffee Shop vs. Enterprise

Let's compare two scenarios:

Small Coffee Shop: $10,000 Monthly Revenue (1,000 transactions @ $10 average)

Traditional Processor: $320 in fees NOWPayments: $50 in fees LUSD on Larecoin: $10-$50 in gas fees

Annual Savings vs. Traditional: $3,240 Annual Savings vs. NOWPayments: $0-$480

Mid-Size Online Store: $500,000 Monthly Revenue (5,000 transactions @ $100 average)

Traditional Processor: $15,800 in fees NOWPayments: $2,500 in fees LUSD on Larecoin: $50-$250 in gas fees

Annual Savings vs. Traditional: $186,600 Annual Savings vs. NOWPayments: $27,000

The larger your transaction volume, the more dramatic the savings become.

The Self-Custody Advantage

Here's what most crypto payment processors won't tell you: They custody your funds during settlement.

NOWPayments holds your crypto until you withdraw. CoinPayments does the same. Even some "non-custodial" solutions require you to route through their smart contracts before accessing your money.

LUSD payments on Larecoin go straight to your wallet address. No intermediary. No settlement period. No minimum withdrawal threshold.

You control the private keys. You control the funds. You decide when and how to convert or spend.

This isn't just about philosophical purity: it's about practical security and flexibility:

• No risk of platform insolvency affecting your funds

• No account freezes or restrictions

• No forced KYC beyond regulatory requirements

• No withdrawal fees eating into your profits

• Instant access to your money 24/7

Network Congestion: The Only Real Variable

Gas fees aren't perfectly fixed. They fluctuate based on network activity.

During extreme congestion events (like major NFT drops or DeFi liquidations), gas fees on Ethereum mainnet can spike to $10-$50 per transaction. But this is where Larecoin's multi-chain routing proves essential.

Layer 2 networks and alternative chains maintain low fees even during mainnet congestion. Optimism and Arbitrum typically stay under $0.10 per transaction. Polygon often operates at $0.01 or less.

The platform's smart routing automatically detects congestion and redirects transactions to the most cost-effective network available. You don't manage this manually: it happens behind the scenes.

For merchants, this means predictable costs even during volatile market conditions.

Getting Started with LUSD Payments

The technical complexity? Zero.

Larecoin handles the infrastructure. You just:

1. Connect your wallet

2. Set your receiving address

3. Share your payment link

4. Receive LUSD directly

No API integration required for basic usage. No complex smart contract deployments. No managing multiple blockchain connections.

For advanced merchants wanting deeper integration, Larecoin provides APIs that work with your existing e-commerce stack. But the simple payment link approach works perfectly for most businesses.

Every payment generates an NFT receipt automatically. These mint to your wallet as proof of the transaction. Fully auditable. Permanently stored. No centralized database required.

Why This Matters for Your Bottom Line

Most merchants focus on top-line revenue growth. But profit margins determine actual take-home pay.

Cutting payment processing fees from 3% to 0.05% doesn't just save money. It fundamentally changes your unit economics.

A product with 10% profit margins becomes 13% with LUSD payments. A service business running at 20% margins jumps to 23%. For high-volume, low-margin businesses, this can mean the difference between profitability and failure.

And unlike negotiating lower rates with traditional processors (which requires massive volume), LUSD's fee structure is the same whether you process $1,000 or $1,000,000 monthly.

Fair. Fixed. Decentralized.

The Merchant Independence Revolution

This isn't just about saving money. It's about merchant freedom.

Traditional payment processors can:

• Freeze your account without warning

• Hold your funds during "investigations"

• Impose arbitrary restrictions on what you can sell

• Charge whatever fees they want

• Change terms with minimal notice

LUSD payments eliminate this power dynamic. No company controls your ability to receive payment. No platform can freeze your funds. No intermediary decides whether your business is "acceptable."

You own your payment infrastructure. You control your financial destiny.

That's the promise of decentralized crypto payments. That's what Larecoin delivers with LUSD integration.

Learn more about reducing merchant fees and discover how Larecoin's ecosystem is redefining merchant independence.

Stop losing 3% on every sale. Start keeping what you earn.