CoinPayments vs Larecoin: Which Crypto POS System Actually Puts You in Control?

Control matters.

Not the fake control where you "manage" funds someone else actually holds. Real control. Your keys. Your crypto. Your rules.

CoinPayments talks about merchant solutions. Larecoin delivers merchant sovereignty.

The difference? About $20,000 per year for a mid-sized merchant. Plus instant access to your money. Plus zero withdrawal fees. Plus actual ownership.

Let's break down what control actually means in 2026.

The Custody Question: Who Actually Owns Your Crypto?

CoinPayments operates a custodial model. Translation: they hold your funds.

You process a $10,000 payment. CoinPayments receives it. The crypto sits in their wallet. You request a withdrawal. They process it. Maybe today. Maybe tomorrow. Always with fees.

Larecoin operates differently.

Funds hit your self-custody wallet in sub-second settlement. No intermediary. No permission needed. No withdrawal requests.

Your wallet. Your keys. Your crypto.

This isn't philosophical. It's practical.

With CoinPayments, you're asking permission to access your own money. With Larecoin, you already have it.

The Real Cost of "Free" Withdrawals

CoinPayments charges 0.5-1% platform fees. Plus withdrawal fees. Plus conversion markups. Plus minimum withdrawal amounts that keep your funds locked until you hit thresholds.

Run the numbers:

$500,000 annual transaction volume with CoinPayments:

• 0.5% platform fee: $2,500

• Average withdrawal fees: $1,500

• Conversion markups: $1,000

• Total: $5,000+

Same volume with Larecoin:

• Gas fees on Solana: ~$50

• Platform fees: $0

• Withdrawal fees: $0

• Total: $50

That's a 99% reduction in processing costs.

Scale it to $5 million annually:

• CoinPayments: $25,000+

• Larecoin: $500

The 50-80% fee reduction isn't marketing speak. It's mathematics.

Feature Control: Beyond Basic Payments

CoinPayments supports 2,000+ cryptocurrencies. Impressive number. Limited utility.

Most merchants need 5-10 reliable options. Not 2,000 obscure tokens with zero liquidity.

Larecoin focuses on Solana's ecosystem. Fast. Cheap. Reliable.

But here's where it gets interesting.

NFT Receipts Change Everything

Every Larecoin transaction generates an optional NFT receipt. Sounds gimmicky. It's not.

Real utility:

• Programmable loyalty rewards

• Automatic warranty tracking

• Proof of purchase for returns

• Tradeable gift receipts

• Customer engagement data

CoinPayments sends a payment confirmation email. Larecoin creates a digital asset with ongoing utility.

The receipt becomes part of your customer relationship. Not just a transaction record.

LUSD: Stablecoin Without the Volatility Tax

CoinPayments supports USDT, USDC, and other stablecoins. But with conversion fees at each step.

LUSD (Larecoin USD) operates natively in the ecosystem. Zero conversion fees. Instant settlement. Full stablecoin stability.

The merchant advantage:

Price items in LUSD. Receive LUSD. Hold LUSD. Convert when you want. Or don't.

No forced conversions. No timing games. No volatility exposure.

Your pricing strategy. Your timeline. Your decision.

The Hidden Costs CoinPayments Won't Advertise

Custodial platforms earn interest on your held funds. You process payments all month. Request withdrawal at month-end. They held your crypto for 30 days.

Who earned interest on those funds? Not you.

CoinPayments also charges for:

• Multi-currency conversions

• Priority withdrawal processing

• API access upgrades

• Advanced settlement options

• Premium support tiers

These "optional" features become mandatory at scale.

Larecoin includes everything. No premium tiers. No hidden upgrades. No feature gates.

Smart Wallets vs Dumb Wallets

CoinPayments provides a wallet address. That's it.

Larecoin provides a smart wallet with:

• Programmable payment rules

• Automatic tax calculation

• Multi-signature security

• Time-locked withdrawals

• Recovery mechanisms

The difference between a filing cabinet and a financial management system.

Real Merchant Scenarios

Coffee Shop Processing $50,000 Monthly:

With CoinPayments:

• Monthly platform fees: $250

• Withdrawal fees: $75

• Conversion losses: $50

• Annual cost: $4,500

With Larecoin:

• Monthly gas fees: $5

• Platform fees: $0

• Withdrawal fees: $0

• Annual cost: $60

Savings: $4,440 per year.

That's a part-time employee. New equipment. Marketing budget. Actual money.

E-commerce Store Processing $500,000 Monthly:

With CoinPayments:

• Monthly platform fees: $2,500

• Withdrawal fees: $750

• Conversion losses: $500

• Annual cost: $45,000

With Larecoin:

• Monthly gas fees: $50

• Platform fees: $0

• Withdrawal fees: $0

• Annual cost: $600

Savings: $44,400 per year.

That's not margin improvement. That's business transformation.

The Self-Custody Advantage in Web3

Traditional payment processors made sense in Web2. Someone had to hold the money. Banks didn't talk to each other easily.

Web3 eliminates the need for intermediaries.

Blockchain networks provide settlement infrastructure. Smart contracts provide payment logic. Wallets provide custody.

The middleman position CoinPayments occupies? Unnecessary.

You don't need someone to:

• Hold your funds temporarily

• Request permission for withdrawals

• Process settlement batches

• Charge fees for accessing your money

The technology enables direct merchant-to-customer transactions. No intermediary required.

Why CoinPayments Still Uses Custodial Models

Follow the money.

Custodial platforms earn:

• Interest on held funds

• Withdrawal fees

• Conversion markups

• Leverage from your liquidity

Self-custody platforms can't extract these revenues.

CoinPayments optimizes for their profit. Larecoin optimizes for merchant profit.

Different business models. Different incentive structures. Different outcomes.

The 2026 Payment Landscape

Web3 payments are maturing. Early platforms built custodial infrastructure because self-custody was complicated.

Not anymore.

Modern wallets are simple. Smart contract security is proven. User experience matches Web2 standards.

The custodial model isn't protecting merchants from complexity. It's protecting platforms from disruption.

Merchants don't need guardians anymore. They need tools.

Making the Switch

Moving from CoinPayments to Larecoin takes 20 minutes:

1. Set up Larecoin merchant account

2. Generate payment addresses

3. Update checkout integration

4. Withdraw remaining CoinPayments balance

No long-term contracts. No cancellation fees. No complicated migration.

Start processing with real control immediately.

Your funds. Your wallet. Your business.

The choice isn't complicated. Just do the math.

Explore the full Larecoin ecosystem and see what financial sovereignty actually looks like.

Control costs. Control custody. Control your future.

That's not a tagline. That's the platform.