CoinPayments Vs Larecoin: 7 Reasons Merchants Are Making the Switch to Web3 Global Payments

The crypto payments landscape is shifting fast.

Merchants worldwide are ditching legacy crypto processors. They want more control. Lower fees. True decentralization.

CoinPayments dominated for years. But merchants are waking up. They're realizing traditional crypto payment processors recreate the same old middleman problems crypto was supposed to eliminate.

Enter Larecoin.

A Web3 global payments solution built for merchant freedom. No percentage cuts. No custodial control. Just pure, decentralized commerce.

Here's why merchants are making the switch in 2026.

Reason #1: Gas-Only Fees Mean Massive Savings

Let's talk numbers.

CoinPayments charges 0.5-1% per transaction. Sounds small. It's not.

Here's the reality for merchants:

• Processing $500,000 annually? CoinPayments takes ~$5,000.

• Processing $5 million annually? That's $50,000+ gone.

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

That same $500,000 in volume? Approximately $2,000 in network fees with Larecoin.

The math is simple:

• $3,000 saved at $500K volume

• $48,000+ recovered at $5M volume

These aren't theoretical savings. This is revenue back in your pocket.

Every. Single. Year.

For growing businesses, those percentage fees compound into devastating losses. Larecoin's gas-only approach means your costs stay predictable regardless of transaction size. A $10 sale and a $10,000 sale cost the same to process.

That's how crypto payments should work.

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

Here's what most merchants don't realize about CoinPayments.

They're custodial.

Your customer pays. The money goes to CoinPayments first. Then you request it. Then you wait.

Sound familiar? That's just PayPal with extra steps.

Larecoin flips this entirely.

Customer payments go directly to your wallet. Immediately. No intermediary. No waiting. No withdrawal requests.

You maintain full control of your funds from the moment of transaction.

This isn't just convenient. It's the fundamental promise of cryptocurrency finally delivered.

Self-custody means:

• No third-party bankruptcy risk

• No account freezes

• No withdrawal limits

• No explaining your business to a compliance team

Your keys. Your coins. Your business.

Reason #3: Sub-Second Settlement on Solana

Speed matters.

CoinPayments processes transactions in minutes. Sometimes hours. Variable times depending on network congestion and their internal processing.

Larecoin is built on Solana.

What does that mean for you?

Sub-second finality. Near-instant settlement. Your customer pays: you see it immediately.

No more refreshing dashboards. No more wondering if a payment went through. No more awkward checkout experiences while customers wait for confirmations.

For high-volume merchants, this speed translates to:

• Better customer experience

• Faster order fulfillment

• Reduced support tickets

• Higher conversion rates

In e-commerce, every second at checkout costs conversions. Larecoin eliminates the wait entirely.

Reason #4: LUSD Stablecoin : Zero Volatility Built In

Crypto volatility kills merchant adoption.

Accept $100 in Bitcoin. Wake up tomorrow with $85. Or $115. Either way, your accounting is a nightmare.

CoinPayments doesn't have a native stablecoin solution. You're stuck with third-party integrations, conversion delays, and additional fees.

Larecoin built LUSD directly into the ecosystem.

LUSD is a stablecoin natively integrated with every Larecoin tool. Accept payments in LUSD. Hold value in LUSD. Zero volatility. Zero surprises.

Your morning coffee costs the same whether Bitcoin pumps or dumps.

For merchants, this means:

• Predictable revenue

• Simplified accounting

• No forced liquidations

• Peace of mind

You get the benefits of crypto payments: low fees, global reach, instant settlement: without the stomach-churning price swings.

Reason #5: Smart Wallet Functionality

CoinPayments gives you a dashboard. Larecoin gives you a financial operating system.

The Larecoin smart wallet isn't just storage. It's your gateway to the entire decentralized finance ecosystem.

What's included:

• Fee optimization : Set network fees based on urgency. Fast processing or budget-friendly batching. Your choice.

• Integrated DEX access : Swap tokens without leaving your wallet. No external exchanges required.

• Liquidity pool integration : Put idle funds to work earning yield.

• Bridge services : Move assets cross-chain seamlessly.

• FX calibration : Manage multi-currency operations without friction.

CoinPayments treats your wallet like a checking account. Larecoin treats it like a complete treasury management system.

For merchants processing significant volume, these tools aren't nice-to-haves. They're competitive advantages.

Reason #6: NFT Receipts : Immutable Transaction Records

Here's something CoinPayments simply can't offer.

NFT receipts.

Every Larecoin transaction generates an immutable, verifiable receipt minted as an NFT. Permanent. Tamper-proof. Blockchain-native.

Why does this matter?

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

NFT receipts exist on-chain forever. They prove:

• What was purchased

• When it was purchased

• Who paid

• Exact amounts

For merchants, this creates bulletproof audit trails. For customers, it's verifiable proof of purchase that no one can dispute.

Returns, warranties, disputes: all handled with cryptographic certainty.

This is the kind of innovation that separates Web3-native solutions from legacy processors wearing crypto costumes.

Reason #7: True Decentralization : Not Just Crypto Theater

Let's be honest about CoinPayments.

It's a traditional payment processor that accepts cryptocurrency. The company holds your money. The company sets the rules. The company decides if your business is acceptable.

That's not decentralization. That's Web2 with a blockchain wrapper.

Larecoin delivers the original promise of cryptocurrency:

• Peer-to-peer transactions

• No central authority controlling your funds

• Permissionless commerce

• True financial sovereignty

You don't need permission to accept payments. You don't need approval to withdraw. You don't need to trust a third party with your revenue.

This philosophical difference matters.

When the next FTX happens: and something always happens: merchants using custodial solutions pay the price. Self-custody protects you from counterparty risk entirely.

Larecoin isn't just a payment processor. It's merchant independence infrastructure.

The Bottom Line: Merchant Freedom

Every reason on this list points to one theme.

Freedom.

Freedom from percentage fees eating your margins. Freedom from custodial risks. Freedom from slow settlements. Freedom from volatility. Freedom from limited functionality. Freedom from unreliable records. Freedom from centralized control.

CoinPayments served a purpose. It introduced merchants to crypto payments. But the ecosystem has evolved.

Merchants deserve better than centralized middlemen recreating traditional finance problems.

Ready to explore what true Web3 payments look like?

Check out the Larecoin ecosystem and see why merchants worldwide are making the switch.

Join the conversation in the Larecoin Community to connect with other merchants already using decentralized payments.

The future of commerce is permissionless. It's self-custodial. It's here.