CoinPayments Vs Larecoin: Which Crypto POS System Gives You True Financial Sovereignty?

Financial sovereignty. It's the whole point of crypto, right?

You got into this space to escape intermediaries. To ditch the gatekeepers. To actually own your money.

But here's the thing. Most crypto payment processors still operate like traditional payment companies. They just swap fiat for crypto and call it innovation.

CoinPayments is one of them.

Larecoin? Built different.

Let's break down exactly how these two crypto POS systems stack up, and which one actually delivers on the promise of merchant freedom.

The Custody Question: Who Controls Your Revenue?

This is where everything starts.

CoinPayments uses a custodial model. Your customer pays. CoinPayments holds the funds. You wait for withdrawal approval. You're trusting a third party with your revenue stream.

Sound familiar? It should. It's the same model banks have used for decades.

Larecoin operates on full self-custody. Funds hit your wallet directly. Instantly. No intermediary holding your money hostage. No permission required to access what's already yours.

The difference isn't subtle.

With CoinPayments, you're recreating the traditional payment hierarchy using cryptocurrency. With Larecoin, you're actually experiencing what decentralized payments were meant to be.

Quick comparison:

Feature	CoinPayments	Larecoin
Custody Model	Custodial (third-party holds funds)	Full self-custody
Fund Access	Withdrawal required	Instant direct transfer
Permission Needed	Yes	No
Counterparty Risk	High	Zero

For merchants serious about independence, this isn't a minor detail. It's the foundation of everything.

Fee Structure: Where Your Profits Actually Go

Let's talk numbers. Because this is where CoinPayments quietly eats into your bottom line.

CoinPayments charges 0.5-1% per transaction. Every single sale. That percentage adds up fast.

Run the math on a business processing $500,000 annually:

• CoinPayments: ~$5,000 in fees

• Larecoin: ~$2,000 in network gas fees

That's a $3,000 difference. Per year. Going straight back into your pocket.

Larecoin uses a gas-only model. No percentage cuts. No hidden fees. You pay network costs to move funds: and that's it.

But here's where it gets even better.

Larecoin's smart wallet gives you customizable network fees. Need a transaction processed instantly? Pay a bit more gas. Have flexibility on timing? Optimize for the lowest possible cost.

CoinPayments? No such option. You get what you get.

Settlement Speed: Time Is Money (Literally)

When a customer pays, how long until those funds are usable?

CoinPayments: Variable. Minutes to hours depending on network conditions and their processing queue.

Larecoin: Sub-second to near-instant.

For high-volume merchants, this matters. For anyone managing cash flow, this matters. For businesses operating internationally across time zones, this really matters.

Instant settlement means instant liquidity. No waiting around wondering when your revenue will actually arrive.

Built-In Features CoinPayments Can't Match

Here's where Larecoin pulls ahead in ways that aren't just incremental improvements: they're entirely different capabilities.

NFT Receipts

Every transaction on Larecoin can generate an immutable NFT receipt. Permanent. Verifiable. On-chain forever.

For accounting? Game-changer. For dispute resolution? Bulletproof. For compliance documentation? Already handled.

CoinPayments gives you standard transaction records. Larecoin gives you blockchain-verified proof of every sale.

LUSD Stablecoin Integration

Volatility kills merchant adoption. Nobody wants to accept $100 in crypto and have it worth $87 by end of day.

Larecoin's native LUSD stablecoin solves this completely. Accept payments. Hold in LUSD. Zero volatility exposure.

No need for third-party stablecoin conversions. No extra steps. It's baked into the ecosystem.

Decentralized Exchange Access

Larecoin merchants get integrated access to:

• Decentralized exchanges

• Liquidity pools

• Swap and bridge functionality

• FX calibration tools

Your payment processor and your DeFi toolkit? Same platform. CoinPayments just processes payments. Larecoin builds an entire financial infrastructure around your business.

The Philosophy Difference

CoinPayments started with a simple premise: let merchants accept crypto. Fair enough.

But they built it using traditional payment rails thinking. Custodial. Fee-based. Intermediated.

Larecoin was purpose-built as a receivables token. Every design decision optimizes for one thing: merchant profitability.

That's not marketing spin. It's architectural reality.

When your platform exists to help merchants keep more of what they earn, the features reflect that priority:

• Self-custody = no counterparty risk

• Gas-only fees = maximum margin retention

• NFT receipts = reduced accounting overhead

• LUSD = eliminated volatility losses

• Smart wallet = optimized transaction costs

It's a fundamentally different approach to what a crypto payment system should be.

Real-World Impact For Your Business

Let's ground this in practical terms.

Scenario: E-commerce store processing $50,000/month in crypto

With CoinPayments (0.5% fees):

• Monthly fees: $250

• Annual fees: $3,000

• Custody risk: Present

• Settlement: Variable

With Larecoin (gas-only):

• Monthly fees: ~$167 (gas estimates)

• Annual fees: ~$2,000

• Custody risk: Zero

• Settlement: Instant

Annual savings: $1,000+

That's before factoring in the value of instant liquidity, NFT receipt automation, or volatility protection through LUSD.

For merchants scaling up, these differences compound. A business doing $200K/month sees the gap widen dramatically.

Who Should Use What?

CoinPayments might work if you:

• Need basic crypto acceptance

• Don't mind custodial arrangements

• Aren't concerned about fee optimization

• Just want "good enough"

Larecoin is built for merchants who:

• Demand full financial sovereignty

• Want to maximize every transaction

• Need instant settlement

• Value on-chain verification

• Plan to scale seriously

The Bottom Line

CoinPayments is a crypto payment processor.

Larecoin is a merchant-first financial ecosystem.

One recreates traditional payment models with cryptocurrency. The other reimagines what merchant payments should look like in a decentralized world.

True financial sovereignty means:

• Your funds in your wallet

• No intermediary holding your revenue

• Minimal fees eating your margins

• Instant access to your earnings

• Complete transaction transparency

CoinPayments offers some crypto benefits. Larecoin delivers actual independence.

For merchants ready to stop compromising, the choice is clear.

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Ready to experience real financial sovereignty?

Explore the full Larecoin ecosystem at larecoin.com and see what merchant-first crypto payments actually look like.