CoinPayments Vs Larecoin: 7 Reasons Merchants Are Making the Switch in 2026

The crypto payments landscape is shifting. Fast.

Merchants aren't settling for outdated infrastructure anymore. They want control. They want speed. They want to keep more of their money.

That's exactly why businesses are leaving CoinPayments behind and moving to Larecoin.

Let's break down the 7 concrete reasons driving this migration in 2026.

---

Reason #1: Gas-Only Fees Mean Massive Savings

Here's the math that's waking merchants up.

CoinPayments charges 0.5-1% per transaction. Sounds small, right? Wrong.

Run $500,000 in annual volume through CoinPayments. That's roughly $5,000 gone: just in processing fees.

Scale to $5 million? You're looking at $50,000+ evaporating into someone else's pocket.

Larecoin operates differently. Gas-only model. No percentage cuts. No hidden fees.

Annual Volume	CoinPayments Fees	Larecoin Savings
$500K	~$5,000	~$3,000+
$1M	~$10,000	~$8,000+
$5M	~$50,000	~$48,000+

Those aren't theoretical numbers. That's real money staying in your treasury.

Every percentage point matters when you're building a business. Larecoin gets that.

---

Reason #2: True Self-Custody: Your Money, Your Wallet

This one's non-negotiable in 2026.

CoinPayments is custodial. Funds hit their servers first. Then you request access. Then you wait.

Your revenue sits in someone else's hands. Subject to their policies. Their timelines. Their potential problems.

Remember FTX? Celsius? The merchants who trusted third parties with their funds learned expensive lessons.

Larecoin delivers true self-custody.

• Funds go directly to YOUR wallet

• No waiting periods

• No third-party intermediaries

• No permission required to access your own money

Customer pays. You receive. Instantly. Done.

That's merchant freedom. That's how crypto payments should work.

---

Reason #3: Sub-Second Settlement on Solana

Speed kills in commerce. Slow settlement kills your cash flow.

CoinPayments processes transactions in minutes. Sometimes hours. Variable timing that's impossible to plan around.

Larecoin is built on Solana. Sub-second finality. Near-instant settlement.

Your customer clicks "pay." You see funds in your wallet before they close the checkout page.

No more watching pending transactions. No more refreshing dashboards. No more cash flow anxiety.

For high-volume merchants processing hundreds of daily transactions, this speed compounds into a serious operational advantage.

---

Reason #4: Native LUSD Stablecoin Integration

Volatility is the elephant in every crypto merchant's room.

Accept Bitcoin at noon. Watch it drop 8% by dinner. Your margins just evaporated.

CoinPayments integrates third-party stablecoin solutions. Patchwork fixes. External dependencies.

Larecoin built LUSD natively into the ecosystem.

What that means for you:

• Zero-volatility transactions

• Predictable revenue calculations

• Simplified accounting and bookkeeping

• No forced liquidations from price swings

• Clean tax documentation

Price what you sell. Receive what you priced. Every single time.

LUSD isn't an afterthought bolted onto Larecoin's infrastructure. It's foundational. Purpose-built for merchant stability.

---

Reason #5: Complete Treasury Management System

Most payment processors treat your wallet like a checking account. Deposits in. Withdrawals out. End of story.

Larecoin sees your wallet as a complete treasury management system.

Here's what's included:

• Fee optimization across all transactions

• Integrated DEX access for currency management

• Liquidity pool integration for yield opportunities

• Bridge services for cross-chain operations

• FX calibration for multi-currency businesses

Running an international e-commerce operation? Larecoin's treasury tools give you competitive advantages that CoinPayments simply doesn't offer.

This isn't just payment processing. It's financial infrastructure designed for modern merchants.

---

Reason #6: NFT Receipts for Immutable Transaction Records

Tax season. Audits. Disputes. Chargebacks.

Traditional transaction records live on company servers. They can be altered. Deleted. Lost. Corrupted.

Every Larecoin transaction generates an immutable NFT receipt minted directly on the blockchain.

• Permanent record that can't be tampered with

• Perfect documentation for tax purposes

• Bulletproof audit trails

• Verifiable proof of every transaction

Your accountant will thank you. Your auditor won't have questions. Your records exist forever on-chain.

No other major crypto payment processor offers this level of transaction documentation. It's a Larecoin exclusive: and merchants handling significant volume are paying attention.

---

Reason #7: Merchant Independence Infrastructure

Here's the philosophical shift happening in 2026.

Merchants aren't just looking for payment processors anymore. They're building financial sovereignty.

CoinPayments and similar platforms still operate as gatekeepers. Central authorities controlling:

• When you access funds

• What currencies you accept

• Which features you can use

• Whether your account stays active

Larecoin delivers true permissionless commerce.

Peer-to-peer transactions. No central authority. No permission required to accept payments. No counterparty risk from platform failures.

This is merchant independence infrastructure. Not just another payment processor wearing a crypto costume.

---

The Migration Is Already Happening

The numbers don't lie. Merchants processing serious volume are doing the math.

Lower fees. Faster settlement. Self-custody. Native stablecoin. Treasury tools. Immutable receipts. True independence.

That's not a marginal improvement over CoinPayments. That's a fundamental upgrade in how crypto payments work.

---

Making the Switch

Ready to stop bleeding fees to outdated infrastructure?

The migration process is straightforward:

1. Set up your Larecoin merchant wallet

2. Configure your LUSD preferences

3. Integrate with your existing checkout

4. Start accepting payments with sub-second settlement

No lengthy approval processes. No waiting for account verification committees. Permissionless means permissionless.

Check out the Larecoin blog for integration guides and merchant case studies.

Join the Marketplace forum to connect with merchants already using Larecoin infrastructure.

---

The Bottom Line

CoinPayments served its purpose. It was fine for 2020.

But this is 2026. Merchant expectations have evolved. The tools should too.

Gas-only fees. Self-custody. Solana speed. Native LUSD. Treasury management. NFT receipts. True independence.

Seven reasons. One clear choice.

The merchants making the switch aren't looking back. The only question is whether you'll join them now: or after you've paid another year of unnecessary fees.

Your money. Your wallet. Your terms.

That's Larecoin.