CoinPayments Alternative: How LareBlocks Layer 1 Gives Merchants Full Transaction Transparency (And Cuts Fees by 50%)

The Merchant Payment Problem Nobody's Talking About

You accept crypto payments. Great.

But can you actually see where your money goes?

Most merchants using legacy crypto payment processors like CoinPayments face the same issue: black-box transaction processing. Funds disappear into a centralized system. Fees stack up across multiple layers. Withdrawal times drag on for days.

You're stuck trusting intermediaries to handle your money correctly.

That's not transparency. That's faith.

Why CoinPayments Falls Short on Real Transparency

CoinPayments processes transactions through multiple intermediaries. Each layer adds fees, delays, and opacity.

Here's what happens behind the scenes:

• Payment gets routed through centralized servers

• Multiple conversion fees apply across chains

• Withdrawal requests require manual approval

• Account freezes happen without warning

• Transaction details live on their servers, not yours

You can't independently verify your transactions. You can't audit the full payment flow. You're reading reports about your money instead of seeing the actual on-chain settlement.

Enter LareBlocks Layer 1: Independent Blockchain Built for Commerce

LareBlocks operates as a standalone Layer 1 blockchain designed specifically for merchant transactions.

No intermediaries. No centralized gatekeepers. No black boxes.

Every transaction settles directly on-chain through globally distributed validator nodes. The entire payment history lives transparently on the blockchain where anyone can verify it.

The difference is architectural.

Traditional payment processors sit between you and the blockchain. LareBlocks is the blockchain. Your transactions validate through decentralized consensus and settle in 3-7 seconds average.

No waiting for third-party confirmations. No trusting centralized processors to report accurately.

Full Transaction Transparency Through LareScan Explorer

LareScan gives merchants complete visibility into every transaction.

Search any payment by wallet address, transaction hash, or block number. See the complete journey from sender to receiver with timestamps, validator confirmations, and fee breakdowns.

What you get with LareScan:

• Real-time transaction monitoring across the entire network

• Wallet balance verification without logging into centralized dashboards

• Historical transaction records that can't be altered or deleted

• Smart contract interactions fully visible and auditable

• Validator node performance metrics and network health stats

This isn't a dashboard showing reports of your transactions. This is the actual blockchain data your business runs on.

The 50% Fee Reduction Breakdown

Legacy processors like CoinPayments stack fees across multiple layers:

Traditional Payment Stack:

• Base processing fee (0.5%-1%)

• Network routing fee (varies by chain)

• Currency conversion fee (0.5%-2%)

• Withdrawal processing fee (flat + percentage)

• Total: 2.5%-6%+ per transaction

LareBlocks Layer 1 Stack:

• Validator consensus fee (minimal)

• Native chain fee (fractional)

• No conversion needed (LUSD stablecoin native)

• Protocol-level Push-to-Card (included)

• Total: <1.2% average

The savings come from eliminating intermediary layers entirely. When transactions settle directly on Layer 1, there's no processing middleman taking a cut.

Run 10,000 transactions at $100 average.

CoinPayments at 3% average = $30,000 in fees. LareBlocks at 1.2% = $12,000 in fees.

You keep an extra $18,000.

Decentralized Validation Means No Single Point of Failure

CoinPayments controls your account. They decide whether to process your withdrawals. They can freeze your funds without warning.

LareBlocks validator nodes operate globally without central control. No single entity can freeze transactions or reverse payments.

How decentralized validation protects merchants:

• Transactions confirm through distributed consensus, not company approval

• No account freeze risk from arbitrary policy changes

• Payment finality guaranteed by cryptographic proof

• Network operates 24/7 regardless of business hours

• Geographic distribution prevents regional service disruptions

Your business doesn't depend on a company's servers staying online. It depends on a global network of validators maintaining consensus.

That's the difference between a service and infrastructure.

Master and Sub-Wallet Management for Enterprises

Large merchants need sophisticated treasury management. LareBlocks delivers it natively at the protocol level.

Create master wallets with unlimited sub-wallets beneath them. Route payments automatically by department, product line, or subsidiary. Implement custom approval workflows for large transactions.

Enterprise wallet features:

• Multi-signature authorization for high-value transfers

• Role-based access control across organizational hierarchies

• Automated payment splitting to multiple destinations

• Real-time reconciliation across all sub-wallets

• Tax reporting with complete transaction history export

All visible through LareScan. All verifiable on-chain. All under your control.

NFT Receipts Add Another Layer of Transparency

Every transaction can generate an NFT receipt minted directly on LareBlocks.

These aren't decorative tokens. They're cryptographically verified proof of purchase with embedded transaction metadata.

Why NFT receipts matter for merchants:

• Immutable proof of sale for warranty claims

• Blockchain-verified transaction history for tax reporting

• Customer loyalty programs built on verified purchase history

• Reduce chargeback fraud with cryptographic proof

• Regulatory compliance documentation that can't be altered

CoinPayments gives you a CSV export. LareBlocks gives you cryptographic proof.

The Social Impact Tax: Built-In Transparency for Good

LareBlocks implements a 1.5% transaction tax that automatically funds verified charitable organizations.

But here's what makes it different: the entire donation flow is visible on-chain through LareScan.

Track exactly how much gets collected. See which charities receive funds. Verify the distribution happens as promised.

Traditional payment processors donate behind closed doors. LareBlocks donates in public, on the blockchain, where anyone can audit the impact.

Merchants using the platform aren't just cutting fees. They're contributing to global causes with full transparency into where those funds go.

Instant Balance Updates Without Confirmation Delays

CoinPayments requires waiting for multiple network confirmations before considering payments final. Merchants watch funds sit in "pending" status while blocks confirm across different chains.

LareBlocks settles in 3-7 seconds average because transactions only need to confirm once: on the native Layer 1 chain.

The speed advantage:

• Customer payment to merchant wallet: 3-7 seconds

• Balance updates in real-time, not after 6+ confirmations

• No waiting periods for withdrawal eligibility

• Instant Push-to-Card settlement to business bank accounts

• Same-day access to funds for operational expenses

Faster settlement means better cash flow. Better cash flow means healthier businesses.

Making the Switch: Easier Than You Think

Merchants don't need to rebuild their payment infrastructure to use LareBlocks.

The platform integrates through standard APIs and offers ready-made plugins for major e-commerce platforms. Accept LARE and LUSD alongside traditional crypto. Route everything through your merchant portal with unified reporting.

Onboarding includes ACH integration, gift card systems, and direct Push-to-Card services. Customers can pay with crypto while you receive settlement in your business bank account.

Want to explore the full ecosystem? Check out our merchant fee reduction guide for detailed implementation strategies.

Your Money. Your Data. Your Control.

CoinPayments gives you a dashboard and asks you to trust the numbers.

LareBlocks gives you the blockchain and lets you verify everything yourself.

That's not just transparency. That's sovereignty.

Cut fees by 50%. See every transaction on-chain. Control your treasury without intermediaries.

The infrastructure is live. The network is operating. The transparency is real.

Visit Larecoin.com to set up your merchant account and start accepting payments on LareBlocks Layer 1.

Your business deserves payment infrastructure you can actually see.