CoinPayments Alternative? Here Are 7 Reasons Merchants Are Switching to Larecoin's Receivables Token

Merchants are done waiting for intermediaries to release their funds.

CoinPayments might have been the standard for crypto payments. But 2026 demands better. Merchants want instant access. Self-custody. Real ownership of their receivables.

That's where Larecoin's Receivables Token changes everything.

Here's why thousands of merchants are making the switch: and why your business should too.

1. Direct-to-Wallet Settlement (No More Waiting for Withdrawals)

CoinPayments holds your funds. Period.

When a customer pays you, that crypto sits in CoinPayments' wallets. Not yours. You have to request a withdrawal. Wait for processing. Hope they approve it quickly.

Larecoin flips this model.

Payments land directly in your wallet the moment a customer completes checkout. No middleman custody. No withdrawal requests. No waiting periods.

Your crypto. Your wallet. Instant access.

This isn't just convenient: it's fundamental to what crypto was meant to be. True peer-to-peer commerce without intermediaries controlling your capital.

2. Zero Processing Fees on Receivables Tokens

CoinPayments charges 0.5% per transaction. Sounds small until you're processing $100,000 monthly. That's $500 gone: just for the privilege of accessing your own money.

NOWPayments? Similar story with percentage-based fees eating into margins.

Larecoin Receivables Tokens eliminate processing fees entirely.

You pay only gas fees for on-chain transactions. No platform cut. No hidden charges. No percentage extracted from every sale.

For high-volume merchants, this represents thousands in monthly savings. Money that stays in your business instead of feeding payment processor profits.

The receivables token structure means you're holding a tokenized representation of payment obligations. No intermediary processing. Just direct settlement through smart contracts.

Calculate your annual savings. The numbers speak for themselves.

3. NFT Receipt System for Transparent Record-Keeping

Traditional payment processors give you CSV files and basic dashboards. Good luck integrating that into modern accounting systems or proving transaction authenticity years later.

Larecoin mints every transaction as an NFT receipt.

Each payment generates a unique, immutable NFT on-chain. This NFT contains:

• Transaction amount and timestamp

• Customer wallet address

• Product or service details

• Payment token used

• Smart contract verification

These NFT receipts live permanently on the blockchain. They're provable. Auditable. Portable across platforms.

Need to prove revenue to investors? Show the NFTs. Tax audit? Every transaction is cryptographically verified. Dispute resolution? The blockchain doesn't lie.

This level of transparency and permanence simply doesn't exist with CoinPayments or NOWPayments. You get reports, sure. But you don't get immutable proof-of-payment artifacts you can use anywhere.

4. LUSD Integration for Stablecoin Settlements

Crypto volatility kills merchant adoption. You can't run a business when your revenue drops 15% overnight.

CoinPayments offers conversions to fiat or stablecoins: but at a cost. Each conversion triggers fees. You're paying for the privilege of price stability.

Larecoin natively supports LUSD settlements.

LUSD is a decentralized, algorithmic stablecoin pegged to USD. Unlike centralized stablecoins, LUSD operates without corporate control or banking dependencies.

Merchants can receive payments directly in LUSD through the Larecoin ecosystem. No conversion fees. No third-party stablecoin provider taking a cut.

This matters more than you think:

• Predictable revenue in USD-equivalent value

• No corporate counterparty risk (looking at you, USDC and USDT)

• True decentralization maintained

• Seamless integration with receivables tokens

You get stability without sacrificing the core principles of cryptocurrency. That's the kind of innovation merchants actually need.

5. Complete Self-Custody and Wallet Control

Let's be direct: CoinPayments is custodial. Your funds sit in their infrastructure. You trust them to secure it. You trust them to release it. You trust them not to freeze your account.

Trust is the antithesis of crypto's original vision.

Larecoin operates on pure self-custody principles.

You control the private keys. You manage the wallet. You decide when to move funds. Nobody: including Larecoin: can freeze, seize, or restrict your assets.

This isn't just philosophical. Self-custody provides:

• Immunity from platform-level account freezes

• Protection from corporate bankruptcy scenarios

• Full control over fund deployment

• No permission needed for withdrawals

• True financial sovereignty

For merchants in uncertain regulatory environments or those who've experienced account freezes, self-custody isn't a feature: it's a requirement.

The receivables token model ensures you're always in control. Smart contracts execute automatically. No human gatekeepers. No company with the power to deny you access.

6. Permissionless Access to Decentralized Finance

Here's what CoinPayments doesn't tell you: once you withdraw funds, you're on your own for what comes next.

Want to earn yield on receivables? Provide liquidity? Access DeFi protocols? You have to move funds multiple times, pay gas fees repeatedly, and manage separate platforms.

Larecoin's receivables tokens plug directly into DeFi.

Because payments arrive as tokenized receivables on-chain, you can immediately:

• Stake tokens in Larecoin liquidity pools

• Provide liquidity and earn trading fees

• Use receivables as collateral in lending protocols

• Swap between assets without leaving the ecosystem

• Bridge to other chains for expanded opportunities

This integration means your business revenue becomes productive capital instantly. No waiting. No complex transfers. No multiple platforms.

The Larecoin ecosystem includes built-in DEX functionality, liquidity pools, and cross-chain bridges. Everything you need to make your receivables work harder: all in one place.

Traditional payment processors treat you like a customer. Larecoin treats you like a DeFi participant with full access to modern financial infrastructure.

7. Merchant Freedom Without Platform Dependencies

CoinPayments can change fees. Update terms. Alter services. Add restrictions.

You have no say. You're a user of their platform. They make the rules.

Larecoin operates as a DAO-governed ecosystem.

The community: including merchants like you: has voting rights on protocol changes. Token holders influence development priorities. Governance is transparent and on-chain.

This structure ensures:

• No unilateral fee increases

• Community-driven feature development

• Transparent roadmap decisions

• Merchant voices actually matter

Plus, Larecoin's open architecture means you're not locked into a single provider. The receivables token standard works across wallets, chains, and applications. You're building on open protocols, not proprietary platforms.

If you're tired of being at the mercy of payment processors who don't care about merchant needs, governance participation changes the dynamic entirely.

You become a stakeholder, not just a customer.

Making the Switch to Larecoin

The crypto payment landscape evolved. CoinPayments represents old thinking: custodial control, percentage-based fees, limited integration, zero merchant voice.

Larecoin represents the future merchants actually want:

• Direct wallet settlement

• Zero processing fees

• NFT receipt infrastructure

• Native LUSD stability

• Complete self-custody

• DeFi integration

• DAO governance

These aren't minor upgrades. They're fundamental improvements to how merchants handle cryptocurrency commerce.

If you're processing crypto payments through traditional processors, you're leaving money on the table and accepting unnecessary limitations.

The migration path is straightforward. Set up your Larecoin integration. Start receiving receivables tokens. Take control of your payment infrastructure.

Ready to stop paying fees for access to your own money? Ready to own your transaction records as verifiable NFTs? Ready to actually control your business receivables?

Larecoin gives you the tools. You provide the ambition.

The merchants switching aren't just saving fees. They're participating in the decentralized economy they've always wanted. True peer-to-peer commerce. No intermediaries. No gatekeepers.

That's not just a CoinPayments alternative. That's the entire point of cryptocurrency finally realized for merchant use cases.

Your receivables. Your custody. Your freedom.

Welcome to merchant-first crypto payments.