CoinPayments vs Larecoin: Which Crypto POS System Actually Gives You 100% Control of Your Funds?

Here's the truth most crypto payment processors don't want you to hear.

You're not really in control of your funds.

Sure, you accept crypto. You see transactions come through. But where does that money actually sit? Who holds it? And how long before you can touch it?

These questions matter. A lot.

Let's break down CoinPayments vs Larecoin. One keeps your money. One doesn't.

The Custodial Trap: How CoinPayments Handles Your Funds

CoinPayments is a veteran in the crypto payment space. Been around since 2013. Supports hundreds of cryptocurrencies.

Sounds great on paper.

But here's what merchants don't realize until they're deep in: CoinPayments operates on a custodial model.

What does that mean?

• Customer pays you in crypto

• Funds go to CoinPayments' wallet

• CoinPayments holds your revenue

• You request a withdrawal

• You wait for processing

• Then you get your money

See the problem?

Your funds sit in someone else's wallet. You need permission to access your own revenue. There's a middleman between you and your money.

That's not 100% control. That's not even close.

What "100% Control" Actually Looks Like

True fund control means one thing: immediate, direct access to your revenue without third-party involvement.

No waiting periods. No withdrawal requests. No custodial risk.

When a customer pays, the funds should hit YOUR wallet. Directly. Instantly.

This is the fundamental difference between custodial and self-custody payment systems.

Custodial = platform holds your funds.

Self-custody = you hold your funds.

Simple concept. Massive implications.

How Larecoin's Self-Custody Architecture Works

Larecoin flips the script entirely.

Built from the ground up with self-custody merchant accounts, Larecoin enables direct merchant-to-customer transactions.

Here's the flow:

1. Customer initiates payment

2. Funds transfer directly to your wallet

3. You have immediate access

4. Done

No intermediary. No holding period. No withdrawal queue.

Your money goes straight to you.

This isn't a feature. It's the foundation of how Larecoin operates.

Head-to-Head: CoinPayments vs Larecoin Fund Control

Let's get specific.

Feature	CoinPayments	Larecoin
Custody Model	Custodial	Self-Custody
Fund Access	After withdrawal processing	Immediate
Third-Party Risk	Yes	No
Withdrawal Fees	Yes	No
Permission Required	Yes	No
100% Fund Control	❌	✅

The architecture is fundamentally different.

CoinPayments can't offer true fund control. Their business model depends on holding your funds. They process withdrawals in batches. They set the rules.

Larecoin? You ARE the rules.

Why Self-Custody Matters More in 2026

The crypto space has seen some things.

Exchange collapses. Platform freezes. Withdrawal suspensions.

Merchants who relied on custodial solutions learned a hard lesson: not your keys, not your coins.

That phrase isn't just for HODLers. It applies to business revenue too.

When you use a custodial payment processor, you're trusting:

• Their security practices

• Their solvency

• Their operational decisions

• Their regulatory compliance

One wrong move from the platform and your funds could be locked. Delayed. Gone.

Self-custody eliminates this risk entirely.

Your wallet. Your keys. Your funds. Period.

Beyond Control: The LUSD Stablecoin Advantage

Fund control is critical. But volatility is another beast.

Accepting crypto means exposure to price swings. A payment worth $500 today might be worth $450 tomorrow.

That's where LUSD stablecoin benefits come in.

LUSD is Larecoin's native stablecoin. Pegged. Stable. Predictable.

Merchants can:

• Accept various cryptocurrencies

• Auto-convert to LUSD

• Maintain stable revenue values

• Avoid volatility headaches

All while keeping 100% self-custody.

CoinPayments offers conversion options too. But remember: those converted funds still sit in their custody until you withdraw.

NFT Receipts: Proof of Transaction On-Chain

Here's something CoinPayments doesn't offer: NFT receipts.

Every Larecoin transaction can generate an NFT receipt. Immutable. On-chain. Verifiable.

Why does this matter?

• Permanent transaction records

• Dispute resolution proof

• Accounting automation

• Customer engagement opportunities

NFT receipts aren't just cool tech. They're functional business tools.

Imagine a customer claims they never received their order. You pull up the NFT receipt. Transaction verified. Timestamp confirmed. Dispute resolved.

CoinPayments gives you transaction IDs. Larecoin gives you blockchain-verified proof of sale.

Fee Comparison: Where Your Money Actually Goes

Control isn't the only consideration. Cost matters too.

CoinPayments charges:

• 0.5% transaction fee (basic)

• Network fees

• Withdrawal fees

• Conversion fees

Those stack up fast.

Larecoin's approach? Dramatically lower merchant interchange fees.

When you eliminate the custodial middleman, you eliminate their cut. Direct transactions mean fewer hands in your pocket.

Some merchants report cutting payment processing costs by 50% or more after switching to self-custody solutions.

That's not marketing speak. That's math.

The Independence Factor

Let's zoom out.

This comparison isn't just about features. It's about philosophy.

CoinPayments operates like traditional payment processors. They facilitate transactions. They hold funds. They control the flow.

Larecoin operates like Web3 should operate. Decentralized. Direct. Merchant-first.

Bank-free business operations aren't a pipe dream anymore. They're a practical reality for merchants who prioritize financial sovereignty.

You didn't get into crypto to recreate traditional finance with extra steps.

You got in for freedom. Independence. Control.

Who Should Use CoinPayments?

Let's be fair.

CoinPayments works for certain merchants:

• Those comfortable with custodial risk

• Businesses that don't need immediate fund access

• Merchants who prefer a familiar centralized experience

• Operations not concerned about withdrawal delays

If that's you, CoinPayments is functional.

Who Should Use Larecoin?

Larecoin fits merchants who:

• Demand 100% fund control

• Want immediate access to revenue

• Prioritize self-custody and security

• Need stable value via LUSD

• Want blockchain-verified NFT receipts

• Care about reducing merchant fees

• Value true decentralization

If financial sovereignty matters to your business, the choice is clear.

Making the Switch

Already using CoinPayments? Considering a CoinPayments alternative?

Transitioning to self-custody is simpler than you think.

Larecoin's merchant portal handles integration. No complex migrations. No downtime required.

Set up your self-custody wallet. Connect to the POS system. Start accepting payments directly.

Your first transaction goes straight to your wallet. Not to an intermediary. Not to a holding account.

To you.

The Bottom Line

The question isn't whether CoinPayments works. It does.

The question is whether you actually have 100% control of your funds.

With CoinPayments: No.

With Larecoin: Yes.

That's not opinion. That's architecture.

Self-custody means self-control. Direct transactions mean direct access. No middleman means no middleman risk.

Ready to own your revenue from the moment it's earned?

Explore Larecoin and see what true fund control looks like.