CoinPayments vs Larecoin: The Self-Custody Showdown for Small Business Crypto POS

Your crypto payment processor controls your money.

Let that sink in.

If you're running CoinPayments, they hold your funds. They decide when you withdraw. They set the limits. They apply the fees.

Larecoin flips that script entirely.

This isn't just another payments comparison. It's about who controls your business finances: them or you.

The Custody Question: Who Actually Owns Your Money?

CoinPayments uses a custodial model. Your crypto sits in their wallets. Their systems. Their control.

Larecoin operates non-custodially. Your funds land directly in your wallet. On-chain. Immediately accessible.

Zero middleman custody. Zero permission needed to access what's yours.

For small businesses burned by frozen accounts or sudden policy changes, this distinction matters more than any feature list.

The Fee Breakdown That Changes Everything

CoinPayments charges 0.5-1% per transaction plus blockchain fees.

Larecoin charges zero platform fees. Only actual gas costs.

Let's run real numbers:

$500,000 Annual Volume:

• CoinPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000 in gas fees

• Your Savings: 50-60%

$1,000,000 Annual Volume:

• CoinPayments: ~$7,500 in fees

• Larecoin: ~$4,000 in gas fees

• Your Savings: 47%

$5,000,000 Annual Volume:

• CoinPayments: ~$25,000 in fees

• Larecoin: ~$5,000 in gas fees

• Your Savings: 80%

Notice the pattern? As your business grows, Larecoin's advantage compounds exponentially. CoinPayments scales fees with your success. Larecoin doesn't.

Settlement Speed: Minutes vs Quarters

Larecoin settles 3-5x faster than CoinPayments.

CoinPayments averages 10-15 minutes for payment processing. Larecoin delivers sub-second finality with 2-3 minute confirmation.

Why does this matter?

Cash flow.

Faster settlements mean immediate access to working capital. Restock inventory without waiting. Pay vendors on time. Capitalize on time-sensitive opportunities.

No withdrawal holding periods. No arbitrary approval delays. Your money moves when you need it to move.

LUSD: Stablecoin Processing Without the Penalty

CoinPayments charges their full 1% transaction fee on stablecoin payments.

Think about that. You're accepting USDC or USDT to avoid volatility: but still paying percentage-based fees on stable value.

Larecoin supports LUSD (Larecoin USD stablecoin) with the same gas-only model. No percentage cut. No platform fees on stable payments.

For businesses preferring price stability without sacrificing fee efficiency, LUSD processing becomes the obvious choice.

NFT Receipts: Blockchain-Verified Proof of Payment

Every Larecoin transaction generates an NFT receipt.

Permanent. Immutable. Blockchain-verified.

This eliminates:

• Payment disputes (proof exists on-chain)

• Manual receipt reconciliation

• Tax documentation headaches

• Accounting discrepancies

CoinPayments provides standard digital receipts. Helpful, but not blockchain-native. Not tamper-proof. Not eternally verifiable.

NFT receipts aren't a gimmick. They're forensic-grade transaction evidence that simplifies compliance and protects your business legally.

Cross-Border Freedom: No Geographic Fee Penalties

CoinPayments applies regional fee premiums based on customer location. International transactions cost more. Different regions get different rate structures.

Larecoin charges identical gas fees worldwide. A customer in Tokyo pays the same network cost as someone in Toronto or Tel Aviv.

For businesses with global customer bases, this levels the playing field completely. No surprise international processing surcharges.

The Independence Factor

Running self-custody infrastructure means freedom from:

• Platform policy changes affecting your operations

• Account freezes or sudden restrictions

• Mandatory KYC updates disrupting cash flow

• Third-party risk exposure

You're not a "user" on someone else's platform. You're operating independent crypto payment infrastructure.

CoinPayments can update terms of service tomorrow. They can implement new withdrawal limits. They can change fee structures with 30 days notice.

Your Larecoin setup? Only you control changes.

Real-World Scenario: Coffee Shop Comparison

Monthly Volume: $50,000

CoinPayments Setup:

• Platform fees: $250-$500/month

• Settlement time: 10-15 minutes per transaction

• Funds held in CoinPayments wallet

• Withdrawal requests subject to approval

• Stablecoin payments still incur 1% fee

Larecoin Setup:

• Platform fees: $0

• Gas costs: ~$150-$200/month

• Settlement time: 2-3 minutes per transaction

• Funds land directly in your wallet

• Zero withdrawal approval process

• LUSD payments avoid percentage fees

Monthly Savings: $50-$300 Annual Savings: $600-$3,600

That's profit you keep instead of paying to a payment processor.

The Merchant Portal Advantage

Larecoin's merchant dashboard provides:

• Real-time settlement tracking

• On-chain transaction verification

• NFT receipt management

• Multi-currency support

• Direct wallet integration

No lengthy onboarding. No invasive business verification. No waiting periods before accepting payments.

Set up takes minutes. Processing starts immediately.

Who Should Choose Which?

Choose CoinPayments if:

• You prefer custodial convenience over control

• You're comfortable with percentage-based fees scaling with growth

• Standard receipt documentation meets your needs

• You don't mind withdrawal approval processes

Choose Larecoin if:

• You prioritize financial sovereignty and self-custody

• Fee savings matter to your bottom line

• Faster settlement improves your operations

• NFT receipts simplify compliance

• You want payment infrastructure you control

For most small businesses serious about crypto adoption, the choice becomes obvious when you prioritize independence over convenience.

The Bottom Line

CoinPayments offers a familiar, custodial experience at premium cost.

Larecoin delivers self-custody, zero platform fees, faster settlements, blockchain-verified receipts, and true merchant independence.

The question isn't which platform has more features. It's who controls your money: and whether you're willing to pay percentage fees indefinitely as your business scales.

Decentralized payment infrastructure isn't the future. It's available now. The technology works. The savings are real.

Your choice determines whether you're renting payment services or owning your financial infrastructure.

Ready to take custody of your crypto payments?

Explore Larecoin's merchant solutions at larecoin.com and see how much your business saves by eliminating platform fees entirely.

Your funds. Your wallet. Your control.

That's the Larecoin difference.