CoinPayments vs Larecoin: The Truth About Self-Custody Merchant Accounts in 2026

Your Keys. Your Crypto. Your Business.

Self-custody isn't just a buzzword anymore. It's the dividing line between merchants who control their financial destiny and those who don't.

CoinPayments has dominated the crypto merchant space for years. But here's what they won't tell you upfront: you don't actually own the crypto until they decide to release it.

Let's break down what that really means for your business in 2026.

The Fee Reality Check

CoinPayments charges 0.5-1% per transaction. Plus blockchain fees on top. Plus withdrawal fees when you want YOUR money.

Larecoin? Gas-only. That's it.

Real Numbers:

Processing $1 million annually with CoinPayments costs you $5,000-$10,000 in platform fees alone. With Larecoin, your total cost stays under $2,000: just Solana gas fees.

That's 67-83% savings hitting your bottom line instead of theirs.

For a medium-sized merchant doing $50k monthly, you're looking at $250-500 monthly fees with CoinPayments versus roughly $80 with Larecoin. Every. Single. Month.

The math isn't complicated. The savings are massive.

Custody: Who Actually Controls Your Money?

Here's where things get real.

CoinPayments Model:

• They hold your private keys

• Funds sit in their wallets

• You request withdrawals

• They process "when convenient"

• Subject to their terms, limitations, and potential holds

Larecoin Model:

• You control private keys from day one

• Funds go directly to YOUR wallet

• No withdrawal requests needed

• Zero platform intervention

• Complete financial sovereignty

Think about that for a second. With CoinPayments, every payment goes into THEIR system first. You're essentially asking permission to access your own business revenue.

That's not how self-custody works. That's how banks work.

Settlement Speed: Minutes vs Seconds

Blockchain congestion hits different when you're waiting for access to your own money.

CoinPayments settlement times vary wildly: minutes to hours depending on network conditions. Bitcoin payments? You might wait 30-60 minutes for confirmations before CoinPayments even acknowledges the transaction.

Larecoin runs on Solana. Sub-second finality. 2-3 minute settlements. Every. Single. Time.

No variance. No surprises. No "checking with the network" status updates.

Your customer pays. You receive confirmation immediately. Funds are in YOUR wallet within minutes. Done.

The Cryptocurrency Support Debate

CoinPayments loves to advertise 2,000+ supported cryptocurrencies. Sounds impressive, right?

Here's the reality: Most merchants accept 3-5 cryptocurrencies maximum. The rest creates complexity without value.

Larecoin focuses on the Solana ecosystem plus LUSD stablecoin. Streamlined. Fast. Cost-effective.

Would you rather have 2,000 payment options that cost you 1% each, or 50 battle-tested tokens with zero platform fees?

Quality beats quantity when your margins matter.

Features CoinPayments Doesn't Offer

NFT Receipts: Every Larecoin transaction generates an NFT receipt. Permanent. Immutable. Perfect for accounting and customer records.

Try getting that from CoinPayments.

Receivables Tokens: Convert outstanding invoices into tradeable tokens. Use them as collateral. Improve cash flow instantly.

CoinPayments? Basic payment processing only.

Smart Wallet Integration: One wallet. Complete ecosystem access. DAO participation. Liquidity pools. DeFi integrations.

With CoinPayments, you get... a payment gateway. That's it.

LUSD Stablecoin: Native stablecoin integration means instant fiat-equivalent settlements without custodial risk or high fees.

CoinPayments supports stablecoins, but you're still paying their 0.5-1% cut.

Real Merchant Scenarios

Scenario 1: Digital Goods Seller

Processing 500 transactions monthly at $100 average.

• CoinPayments: $250-500 monthly platform fees + gas fees + withdrawal fees = $300-600 total

• Larecoin: $40 total (gas only)

Annual savings: $3,120-$6,720

Scenario 2: B2B Service Provider

20 large invoices monthly at $5,000 average.

• CoinPayments: $500-1,000 monthly platform fees = $6,000-$12,000 annually

• Larecoin: $480 annually (gas only)

Annual savings: $5,520-$11,520

Scenario 3: Subscription Business

1,000 recurring $50 monthly subscriptions.

• CoinPayments: $250-500 per month = $3,000-$6,000 annually

• Larecoin: $600 annually (gas only)

Annual savings: $2,400-$5,400

Notice the pattern? The more you process, the more you save with true self-custody and gas-only pricing.

Why Self-Custody Matters More Than Ever

2026 isn't 2020. Regulatory pressure is increasing. Platform deplatforming is real. Financial censorship happens.

When CoinPayments controls your keys, they control your access. Don't like their updated terms? Too bad. Account flagged for review? Your funds are frozen.

Self-custody means independence. True financial sovereignty. Zero counterparty risk.

Your business. Your crypto. Your control.

The Trust Factor

CoinPayments requires you to trust:

• Their security practices

• Their solvency

• Their business continuity

• Their terms of service

• Their compliance decisions

Larecoin requires you to trust:

• Your own security practices

• Blockchain mathematics

• Open-source smart contracts

One model depends on corporate promises. The other depends on cryptographic guarantees.

Which sounds more "crypto" to you?

The Bottom Line

CoinPayments offers convenience at the cost of custody and fees. They're a custodial service provider pretending to be a crypto solution.

Larecoin delivers actual decentralization. Real self-custody. Genuine fee savings. Plus innovations like NFT receipts and receivables tokens that move merchant payments into the Web3 era.

The choice is simple:

Pay 0.5-1% forever to rent someone else's infrastructure, OR pay only gas fees to own your complete payment stack.

Give up custody and control, OR maintain sovereignty over every transaction.

Use outdated payment processing, OR leverage cutting-edge DeFi integrations and smart wallet functionality.

Ready for Real Self-Custody?

The comparison isn't close. CoinPayments made sense in 2018. This is 2026.

Self-custody merchant accounts aren't experimental anymore. They're standard for businesses that understand crypto's actual value proposition.

Stop paying platform fees. Stop requesting withdrawals. Stop asking permission to access your own revenue.

Start controlling your keys. Start saving 67-83% on payment processing. Start building on true Web3 infrastructure.

Visit Larecoin and set up your self-custody merchant account today. Your future self will thank you when you're calculating those fee savings at year-end.

Your keys. Your crypto. Your business. That's how it should be.