CoinPayments Vs Larecoin: Why Receivables Tokens Are Changing Web3 Payments

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1 day ago
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Web3 payments are evolving fast. Too fast for legacy crypto gateways to keep up.

CoinPayments has been around for years. Supports 40+ cryptocurrencies. Transaction fees between 0.5-1%. Instant confirmations. Solid e-commerce integration.

But here's the thing: it's 2026. Merchants need more than just "accept crypto."

They need financial sovereignty. Self-custody. NFT receipts for accounting. And most importantly: a way to reduce merchant interchange fees by 50% or more.

Enter receivables tokens. And enter Larecoin.

Let's break down why this CoinPayments alternative is reshaping Web3 global payments.

What Is CoinPayments?

CoinPayments is a veteran in the crypto payment gateway space. Launched years ago, it built its reputation on simplicity and multi-coin support.

The highlights:

40+ supported cryptocurrencies
0.5-1% transaction fees
Instant payment confirmations
E-commerce plugins for major platforms
Merchant tools and invoicing

For many small businesses, CoinPayments was the first real crypto POS system for small business owners. It worked. It was reliable.

But reliable doesn't mean innovative.

CoinPayments operates on a custodial model. Your funds? They hold them. Your keys? Not really yours.

That's a problem for merchants who want true self-custody merchant accounts.

What Is Larecoin?

Larecoin isn't just another payment processor. It's a complete Web3 payments ecosystem built for merchants who want control.

Core features:

Receivables Token (LARE): A tokenized representation of merchant receivables
LUSD Stablecoin: Stable value with gas-only transfers
NFT Receipts: Audit-proof transaction records on-chain
Self-Custody: Your wallet, your keys, your money
Push-to-Card: Convert crypto to fiat instantly
Contactless POS: Accept crypto payments in-store

The difference? Larecoin was built from the ground up for bank-free business operations. No middlemen. No custodial traps. Just pure Web3 global payments.

Explore the full ecosystem at Larecoin Payments.

The Receivables Token: A Game-Changer

Here's where things get interesting.

Traditional payment processors treat every transaction as isolated. Money comes in, fees get taken, you get what's left.

Larecoin's receivables token flips this model entirely.

How it works:

A customer pays you in crypto
The transaction generates a receivables token
This token represents your right to those funds
You can hold it, trade it, or convert it instantly

Why does this matter?

Liquidity. Your receivables become liquid assets. No waiting for settlements. No bank holds. No payment processor delays.

Collateral. Need a loan? Use your tokenized receivables as collateral without selling them.

Transparency. Every receivable is tracked on-chain. Auditors love it. Accountants love it more.

This is what separates Larecoin from every CoinPayments alternative on the market.

CoinPayments Vs Larecoin: The Real Comparison

Let's get specific.

Fees

CoinPayments: 0.5-1% per transaction. Sounds reasonable until you're processing $100k/month. That's $500-$1,000 gone.

Larecoin: Gas-only transfers on LUSD. No percentage-based fees. Process $100k and pay pennies in gas. This is how you reduce merchant interchange fees dramatically.

Custody

CoinPayments: Custodial. They hold your crypto. You trust them not to get hacked, go bankrupt, or freeze your funds.

Larecoin: Self-custody merchant accounts. Your private keys. Your funds. Period.

Transaction Records

CoinPayments: Standard digital receipts. Good for basic bookkeeping. Not so great when auditors come knocking.

Larecoin: NFT receipts for accounting. Every transaction minted on-chain. Immutable. Timestamped. Audit-proof.

Stablecoin Options

CoinPayments: Accepts various stablecoins but charges the same fees regardless.

Larecoin: LUSD stablecoin benefits include gas-only transfers. No transaction fees beyond network costs. That's a massive difference for high-volume merchants.

Global Reach

CoinPayments: Available in most countries with standard crypto restrictions.

Larecoin: Web3 global payments by design. No banking relationships required. If you have internet and a wallet, you're in business.

Why NFT Receipts Matter More Than You Think

Traditional receipts are files. PDFs. Emails. Easy to lose. Easier to forge.

NFT receipts for accounting solve this permanently.

Benefits:

Immutable proof: Can't be edited or deleted
Timestamped: Exact date and time recorded on-chain
Transferable: Share with accountants without forwarding emails
Searchable: Query your entire transaction history on the blockchain

For merchants running self-custody merchant accounts, this is critical. You need provable records that don't depend on a third-party platform staying online.

CoinPayments can disappear tomorrow. Your Larecoin NFT receipts? They're on-chain forever.

LUSD Stablecoin Benefits Explained

Volatility kills merchant adoption. Nobody wants to accept $100 and have it worth $85 by morning.

Larecoin's LUSD solves this with a stablecoin designed specifically for payments.

Key LUSD benefits:

Price stability: Pegged to USD
Gas-only transfers: No transaction fees beyond network costs
Instant settlement: No waiting periods
Self-custody compatible: Stays in your wallet, not someone else's

Compare this to accepting volatile crypto through CoinPayments. Even with instant conversion, you're paying fees on both ends: crypto acceptance AND fiat conversion.

LUSD eliminates that friction entirely.

Setting Up Your Self-Custody Merchant Account

Ready to ditch custodial solutions?

Here's how to get started with Larecoin:

Create your wallet at Larecoin Dashboard
Set up CoinCheckout for your e-commerce store at CoinCheckout
Integrate the POS for in-person payments
Start accepting LARE, LUSD, and other supported assets
Track everything with automatic NFT receipt generation

No bank approvals. No lengthy applications. No custodial risk.

This is what a true crypto POS system for small business looks like in 2026.

The Bottom Line: Why Merchants Are Switching

CoinPayments served its purpose. It brought crypto payments to the mainstream.

But the mainstream has evolved.

Merchants today need:

Lower fees: Gas-only beats 0.5-1% every time
True ownership: Self-custody merchant accounts, not custodial promises
Better records: NFT receipts for accounting, not PDFs
Financial freedom: Bank-free business operations

Larecoin delivers all of this through the receivables token model.

Your receivables become assets. Your transactions become NFTs. Your business becomes sovereign.

That's not just a CoinPayments alternative. That's the future of Web3 global payments.

Ready to Make the Switch?

Stop paying unnecessary fees. Stop trusting custodians with your money. Stop using legacy systems dressed up as innovation.

The receivables token revolution is here.

Explore Larecoin and see why merchants are making the switch.

Your business. Your crypto. Your rules.