CoinPayments Vs Larecoin: Why Receivables Tokens Are the Future of Web3 Global Payments

The crypto payments space is crowded. CoinPayments has been around for years. But is legacy infrastructure really what your business needs in 2026?

Enter Larecoin. A Web3 global payments solution built for the future. Not a retrofit. Not a patch job. A complete reimagining of how merchants handle digital transactions.

Let's break down why receivables tokens are changing everything: and why Larecoin is leading that charge.

CoinPayments: The Old Guard

CoinPayments does the basics well. Support for 40+ cryptocurrencies. E-commerce integrations. Transaction fees hovering around 0.5-1%.

Solid? Sure. Revolutionary? Not anymore.

Here's the problem. Traditional crypto payment processors still operate on centralized models. Your funds flow through their custody. Your data lives on their servers. You're still playing by someone else's rules.

For small business owners looking for a crypto POS system, that's a dealbreaker. You didn't embrace crypto to trade one middleman for another.

Larecoin: Built Different

Larecoin isn't just another CoinPayments alternative. It's a paradigm shift.

Self-custody merchant accounts. NFT receipts for accounting. LUSD stablecoin benefits baked into every transaction. And at the core? Receivables tokens.

No more waiting for settlement. No more praying your processor doesn't freeze your account. Your money. Your control. Period.

What Are Receivables Tokens?

Think of receivables tokens as programmable IOUs on the blockchain.

When a customer pays you, that transaction generates a receivables token. It represents the actual value owed to your business. Immutable. Transparent. Instantly verifiable.

Why does this matter?

• Instant liquidity access

• Collateralization for business loans

• Audit-proof transaction records

• Cross-border payments without banking friction

Traditional payment processors give you a receipt. Larecoin gives you a tradeable, verifiable asset.

The Fee Problem (And How Larecoin Solves It)

Let's talk numbers.

CoinPayments charges 0.5-1% per transaction. Add network fees. Add conversion fees if you're cashing out. Suddenly, that "low-cost" solution is eating into your margins.

Larecoin slashes merchant interchange fees by 50%+. How?

• Gas-only transfers eliminate unnecessary middlemen

• LUSD stablecoin removes volatility conversion costs

• Push-to-card functionality bypasses traditional banking rails

For a business processing $100K monthly? That's potentially $500-1,000 back in your pocket. Every month.

NFT Receipts: Your New Best Friend at Tax Time

Every accountant's nightmare: reconciling crypto transactions.

Different wallets. Multiple blockchains. Inconsistent records. It's chaos.

Larecoin's NFT receipts for accounting change the game. Each transaction mints a permanent, on-chain receipt. Contains all the metadata you need:

• Transaction amount

• Timestamp

• Parties involved

• Exchange rate at time of purchase

• Product/service details

Export-ready. Auditor-approved. Sleep-at-night compliant.

Self-Custody: Why It Matters More Than Ever

2024 taught us hard lessons about counterparty risk. Exchanges failing. Processors freezing accounts. Funds disappearing into regulatory black holes.

Self-custody merchant accounts aren't a luxury anymore. They're survival.

With Larecoin, your receivables tokens land directly in your wallet. Not a hosted solution. Not an escrow. Your keys. Your crypto. Full stop.

Benefits of self-custody for merchants:

• Zero counterparty risk

• No account freezes

• Immediate access to funds

• Complete privacy

• Bankruptcy protection

LUSD: Stability Meets Innovation

Crypto volatility scares merchants. Understandably.

Accept $100 in Bitcoin. Wake up tomorrow. It's worth $85. That's not a business model. That's gambling.

LUSD stablecoin benefits solve this. Peg to the dollar. Zero volatility headaches. All the blockchain advantages without the rollercoaster.

But LUSD goes further:

• Native integration with Larecoin ecosystem

• Lower gas fees than competitors

• Instant cross-border settlement

• No banking infrastructure required

Bank-free business operations aren't just possible. They're practical.

Global Reach Without Global Headaches

CoinPayments handles international transactions. But you're still dealing with:

• Currency conversion fees

• Settlement delays

• Regional compliance hurdles

• Banking partner limitations

Larecoin's Web3 global payments approach eliminates borders entirely. A customer in Tokyo pays in LUSD. You receive it in Miami. Seconds later. Same value. No intermediaries.

For global merchants, this means:

• 24/7 settlement (no banking hours)

• Unified accounting across regions

• Reduced FX exposure

• Simplified compliance

The Crypto POS System Small Businesses Actually Need

Enterprise solutions dominate the market. Designed for corporations. Priced for corporations.

Small businesses get left behind. Or worse: forced into solutions that don't fit their needs.

Larecoin's crypto POS system for small business changes that equation:

• Simple integration

• Low overhead costs

• No monthly minimums

• Scalable as you grow

Whether you're a food truck or a boutique retailer, the same powerful infrastructure works for you.

Making the Switch: Easier Than You Think

Migrating from CoinPayments to Larecoin isn't a months-long IT project.

Here's the reality:

1. Set up your Larecoin smart wallet

2. Connect to your existing e-commerce platform

3. Configure your receivables token preferences

4. Start accepting payments

Most merchants are live within 24 hours. Support team available if you hit snags. No long-term contracts locking you in.

Explore the full ecosystem at larecoin.com.

The Bottom Line

CoinPayments served its purpose. First-generation crypto payment processing had to start somewhere.

But we're past that now.

Receivables tokens represent the next evolution. Programmable. Tradeable. Self-custodied. Built for a Web3 world where merchants demand control, transparency, and lower costs.

Larecoin delivers all three. Plus NFT receipts. Plus LUSD stability. Plus global reach without the traditional banking friction.

Still using legacy processors?

Ask yourself: Are you running a Web3 business with Web2 infrastructure?

The future isn't coming. It's here. And it's tokenized.

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Ready to reduce merchant interchange fees and take control of your payment infrastructure?

Check out Larecoin's crypto solutions and see why merchants are making the switch.