CoinPayments Vs Larecoin: Which Is Better For Your Self-Custody Merchant Account?

Choosing a crypto payment processor shouldn't feel like picking a bank.

Yet here we are. Most merchants jump into crypto payments thinking they're getting financial freedom. Instead, they end up with another intermediary holding their money.

CoinPayments has been around since 2013. Solid track record. Supports 2,000+ cryptocurrencies. But here's the thing: it operates on a custodial model that fundamentally contradicts what crypto was built for.

Larecoin? Built different. Full self-custody. Your funds. Your wallet. No permission needed.

Let's break down which one actually delivers merchant freedom.

The Core Difference: Who Controls Your Money?

This is everything.

CoinPayments functions as an intermediary platform that holds your funds. Customer pays you? That crypto goes to CoinPayments first. You want your money? Submit a withdrawal request. Wait for approval. Hope everything processes smoothly.

Sound familiar? That's literally traditional banking with extra steps.

Larecoin flips the script entirely. Full self-custody means funds hit your wallet immediately. No middleman. No holding period. No "we'll process your withdrawal within 24-48 hours."

This isn't a minor detail. This is the foundational principle of cryptocurrency: eliminating trusted intermediaries.

When you accept payments through Larecoin, you're not asking permission to access your own revenue. You're simply receiving it. Directly. Instantly.

Fee Breakdown: Where Your Money Actually Goes

Numbers don't lie. Let's get specific.

Aspect	CoinPayments	Larecoin
Fee Structure	0.5-1% percentage-based	Gas-only (network fees)
Annual Cost ($500K volume)	~$5,000	~$2,000
Fee Control	Fixed, non-customizable	Customizable based on urgency
Settlement Time	Minutes to hours	Sub-second

That 0.5-1% doesn't sound like much. Until you run the math.

$500,000 annual transaction volume:

• CoinPayments: ~$5,000 in fees

• Larecoin: ~$2,000 in gas fees

That's $3,000 saved annually. Real money. Your money.

And here's where it gets interesting. With Larecoin, you control your fee structure. Need faster settlement? Pay slightly higher gas. Standard transaction? Optimize for the lowest network fee. You decide.

CoinPayments? Fixed percentage. Take it or leave it.

Features That Actually Matter For Merchants

Support for 2,000 cryptocurrencies sounds impressive. But how many do your customers actually use? Ten? Maybe twenty?

Feature bloat doesn't equal value. Innovation does.

NFT Receipts: Immutable Transaction Records

Every Larecoin transaction generates an NFT receipt. This isn't a gimmick.

Think about it. Every sale. Every payment. Permanently recorded on-chain. Immutable. Verifiable. No disputes about "I never received the product" when there's a blockchain receipt proving the transaction occurred.

For merchants dealing with high-value transactions or international customers, this changes everything. Accounting becomes cleaner. Disputes become simpler. Trust becomes built-in.

CoinPayments? Standard transaction confirmations. Nothing groundbreaking.

LUSD: Zero-Volatility Payments

Crypto volatility kills merchant adoption. You accept $100 in crypto. An hour later, it's worth $85. Not exactly sustainable.

Larecoin's native stablecoin LUSD eliminates this entirely. Zero volatility. Predictable revenue. All the benefits of crypto payments without the heart palpitations.

Accept payment in LUSD. Know exactly what you're getting. Move on with your business.

Smart Wallet Integration

The Larecoin smart wallet isn't just storage. It's ecosystem access.

• Integrated exchange functionality

• Liquidity pool participation

• Bridge capabilities for cross-chain operations

• Direct merchant portal access

One wallet. Full control. No jumping between platforms.

Why Self-Custody Matters More Than You Think

Let's get real about custodial risk.

When CoinPayments holds your funds, you're trusting them to:

• Stay solvent

• Maintain security

• Process your withdrawals promptly

• Not freeze your account arbitrarily

We've seen what happens when crypto custodians fail. FTX. Celsius. BlockFi. Merchants who thought their funds were safe suddenly couldn't access anything.

Self-custody eliminates counterparty risk. Period.

Your private keys. Your funds. Nobody can freeze your merchant account because you sold something they didn't like. Nobody can delay your withdrawal because their system is "under maintenance."

This is merchant freedom. This is what crypto promised.

Settlement Speed: Time Is Money

CoinPayments settlement: minutes to hours.

Larecoin settlement: sub-second.

For e-commerce, this matters. Customer pays. Confirmation happens. Order processes. The faster this cycle completes, the better your customer experience.

Sub-second settlement also means better cash flow management. No waiting around wondering if that payment cleared. It did. Move on.

The Integration Question

Both platforms offer merchant integration tools. That's table stakes.

But here's what separates them:

CoinPayments Integration:

• Shopping cart plugins

• API access

• Payment buttons

• Standard stuff

Larecoin Integration:

• Merchant portal with full analytics

• Contactless POS capabilities

• AI/ML search functionality

• DAO participation options

• Full merchant solutions

Larecoin treats merchants as ecosystem participants, not just payment processors. You're not just accepting payments: you're building on a platform designed for long-term merchant independence.

Who Should Use What?

CoinPayments makes sense if you:

• Need support for obscure altcoins

• Don't mind custodial arrangements

• Prefer an established brand over innovation

• Accept higher fees for familiarity

Larecoin makes sense if you:

• Prioritize self-custody and fund control

• Want to minimize transaction fees

• Need NFT receipts for transaction verification

• Value zero-volatility stablecoin payments

• Prefer sub-second settlement times

• Want ecosystem participation beyond basic payments

For most merchants serious about crypto payments in 2026? The choice is clear.

The Verdict

CoinPayments built a solid platform for 2013. It did what was needed when crypto payments were a novelty.

We're past that now.

Self-custody isn't optional anymore. It's essential. The whole point of accepting cryptocurrency is removing intermediaries, reducing fees, and maintaining control over your revenue.

Larecoin delivers all three. CoinPayments delivers one out of three.

$3,000+ annual savings. Instant settlement. NFT receipts. LUSD stability. Full self-custody.

That's not marketing fluff. That's practical merchant advantage.

Ready to take control of your crypto payments? Explore Larecoin's merchant solutions and see what true payment freedom looks like.

---

Thinking about switching from CoinPayments or NOWPayments? Check out the Larecoin whitepaper for the full technical breakdown of the ecosystem.