CoinPayments Vs Larecoin: Which Crypto POS Gives Merchants True Self-Custody?

The question isn't just about accepting crypto anymore.

It's about who controls your money after the sale.

Most merchants dive into crypto payments expecting freedom. Independence. Financial sovereignty. What they get instead? Another middleman holding their funds hostage.

Let's break down the real difference between CoinPayments and Larecoin. Spoiler: one gives you true self-custody. The other doesn't.

The Custody Problem Nobody Talks About

Here's the thing about traditional payment processors. They sit between you and your money. Visa does it. Mastercard does it. PayPal definitely does it.

And guess what? Most crypto payment processors do the exact same thing.

CoinPayments operates as an intermediary custodian. When your customer pays, the funds go to CoinPayments first. Then you wait. Sometimes minutes. Sometimes hours. You need their permission to access your own revenue.

Sound familiar? It should. That's the exact model crypto was supposed to replace.

What True Self-Custody Actually Means

Self-custody isn't a marketing buzzword. It's a fundamental architectural choice.

With true self-custody:

• Funds transfer directly to YOUR wallet

• No middleman touches your money

• Zero waiting periods

• No third-party approval needed

• You control your private keys

This is cryptocurrency's foundational promise. Being your own bank. Decentralization that actually means something.

Larecoin built its entire crypto POS infrastructure around this principle. Customer pays. Money hits your wallet. Done.

No intermediary. No custodial limitations. No counterparty risk.

CoinPayments: The Numbers Don't Lie

Let's talk fees. Because that's where the rubber meets the road.

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

Run $500,000 in annual volume. That's $5,000 gone. Every year. Forever.

And you're still waiting for permission to access your funds. Still trusting a third party with your business revenue. Still recreating the traditional payment processor model: just with different technology underneath.

The custodial approach adds layers. Layers cost money. Layers create delays. Layers introduce risk.

Larecoin's Gas-Only Model

Here's where things get interesting.

Larecoin operates on gas-only fees. That same $500,000 in volume? Approximately $2,000 annually. Total.

That's a 60% reduction in processing costs. Real money back in your pocket.

The math:

• CoinPayments: $5,000/year on $500K volume

• Larecoin: $2,000/year on $500K volume

• Your savings: $3,000/year

Scale that up. Hit $1 million in crypto payments? You're keeping an extra $6,000 annually. No percentage-based fees eating into every transaction.

Beyond Cost Savings: Technical Advantages That Matter

Fee savings get attention. But Larecoin's technical stack delivers way more.

NFT Receipts

Every transaction generates a verifiable NFT receipt. Immutable proof of purchase on-chain. No more disputes about whether a sale happened. No more lost paper receipts or deleted emails.

For merchants, this means:

• Bulletproof transaction records

• Simplified accounting and audits

• Customer trust through transparency

• Unique collectible receipts that enhance brand engagement

LUSD Stablecoin Integration

Volatility kills merchant adoption. Nobody wants to accept $100 in crypto and wake up to $85.

LUSD solves this. Stable value. Predictable accounting. Same self-custody benefits.

Accept payment in any supported crypto. Convert to LUSD instantly. Eliminate volatility risk while maintaining full control of your funds.

Master/Sub-Wallet Architecture

Running multiple locations? Managing franchises? Larecoin's master/sub-wallet system handles it.

One dashboard. Complete visibility. Each location maintains its own wallet. Central oversight without central custody.

This is enterprise-grade infrastructure built for actual business operations.

QR-Generated POS

No expensive hardware. No lengthy integrations. Generate a QR code. Accept payments.

Your smartphone becomes a point-of-sale terminal. Your tablet. Your existing hardware. Zero friction deployment for merchants of any size.

The Compliance Question

Here's where some "decentralized" payment processors fall short. They operate in regulatory gray zones. That works until it doesn't.

Larecoin maintains:

• Federal MSB (Money Services Business) registration

• State-level MTL (Money Transmitter License) coverage across the U.S.

• Full regulatory compliance framework

Self-custody AND compliance. These aren't mutually exclusive. They're both essential for merchants who want to build sustainable businesses accepting crypto.

No regulatory surprises. No sudden account freezes. Just legitimate payment infrastructure that plays by the rules.

The Interchange Fee Revolution

Traditional card processing bleeds merchants dry. 2-3% interchange fees on every swipe. That's $20,000-$30,000 annually on $1 million in sales. Gone.

Larecoin's crypto POS cuts interchange fees by more than 50%. For high-volume merchants, we're talking tens of thousands in annual savings.

Quick comparison for $1M annual revenue:

• Traditional card processing: ~$25,000 in fees

• Larecoin crypto POS: ~$4,000 in fees

• Annual savings: $21,000+

That's not optimization. That's transformation.

Looking Forward: Metaverse Commerce

The future isn't just about today's transactions. It's about where commerce is heading.

Larecoin is building for social shopping in the B2B2C metaverse. VR/AR shopping experiences integrated with the same self-custody payment infrastructure.

Imagine this: Your customer browses your virtual showroom. Tries on products in AR. Makes a purchase with crypto. Funds hit your wallet instantly. NFT receipt generated automatically.

No intermediaries in physical retail. No intermediaries in virtual retail. Consistent self-custody across every commerce channel.

The Bottom Line: Control vs. Convenience Theater

CoinPayments and similar intermediary processors offer "convenience." But it's convenience theater. You're trading real control for familiar interfaces that recreate the exact limitations you wanted to escape.

Larecoin delivers:

• True self-custody : Your keys, your crypto, your control

• 60%+ fee reduction : Gas-only model vs percentage fees

• NFT receipts : Immutable transaction records

• LUSD stability : Volatility protection without custody compromise

• MTL compliance : Legitimate regulatory standing

• Future-ready : Metaverse commerce integration

The crypto POS space is crowded. Plenty of options claim "decentralization" while operating custodial models behind the scenes.

Ask the hard question: Who holds your funds after the customer pays?

If the answer isn't "you, immediately, with full control" : you're using a middleman with extra steps.

Ready to Take Control?

Stop letting payment processors hold your revenue hostage. Stop paying percentage fees that scale against you. Stop settling for custody models that betray crypto's core promise.

Larecoin gives merchants what they actually want: financial independence backed by real technology, real compliance, and real self-custody.

Set up your crypto POS and start accepting payments on your terms.

Questions? Join the Larecoin community and let's chat.

Your money. Your wallet. Your control.

That's the whole point.