How LareBlocks Layer 1 Blockchain Slashes Merchant Interchange Fees by 50% (And Why Your Enterprise Needs It)

Visa and Mastercard are bleeding merchants dry.

2.9% + $0.30 per transaction. Every. Single. Time.

For a $100,000 monthly transaction volume, that's $3,200 vanishing into thin air. Annual cost? $38,400.

Now imagine cutting that in half.

Enter LareBlocks: our Layer 1 blockchain purpose-built for enterprise payments.

The Traditional Payment Rail Problem

Legacy payment processors own the infrastructure. They set the rules. They dictate the fees.

Standard interchange fees:

• Visa/Mastercard: 2.5% - 3.5%

• American Express: 2.5% - 3.5%

• Processing fees: Additional 0.5% - 1%

• Chargeback fees: $15 - $100 per incident

The math doesn't work for high-volume merchants.

E-commerce stores processing millions annually lose hundreds of thousands to middlemen who add zero value beyond infrastructure access.

That era ends now.

How LareBlocks Changes The Game

LareBlocks isn't another payment gateway riding on existing rails.

It IS the rails.

Our Layer 1 blockchain architecture eliminates intermediaries entirely. No banks. No card networks. No unnecessary infrastructure layers extracting value.

Core advantages:

• Transaction fees under 1.5% on average

• Settlement in seconds, not days

• 24/7/365 operation with zero downtime

• Global reach without currency conversion fees

Built on Solana's high-performance foundation with Larecoin-specific optimizations, LareBlocks processes 65,000 transactions per second.

Traditional payment networks? They cap out at 24,000 TPS globally.

We're not competing. We're operating in a different dimension.

The 50% Fee Reduction Explained

Let's break down real numbers.

Traditional scenario:

• Monthly volume: $500,000

• Average fee: 2.9%

• Monthly cost: $14,500

• Annual cost: $174,000

LareBlocks scenario:

• Monthly volume: $500,000

• Average fee: 1.4%

• Monthly cost: $7,000

• Annual cost: $84,000

Savings: $90,000 annually.

That's not a rounding error. That's hiring two developers. Expanding inventory. Funding marketing campaigns.

The reduction comes from architectural efficiency:

No correspondent banking fees. Transactions settle peer-to-peer on LareBlocks without touching traditional banking infrastructure.

No currency conversion markups. LUSD stablecoin maintains 1:1 USD parity without spreads.

No chargeback infrastructure costs. Smart contract escrow systems replace expensive dispute resolution processes.

NFT Receipts: Programmable Proof of Purchase

Every transaction generates an immutable NFT receipt.

This isn't a gimmick. It's enterprise-grade transaction infrastructure.

NFT receipt capabilities:

• Permanent, unforgeable transaction record

• Embedded metadata (items, quantities, timestamps)

• Automated warranty tracking

• Loyalty program integration

• Resale value verification for secondary markets

Traditional paper receipts fade. Email receipts get lost. Database records can be altered.

NFT receipts exist permanently on LareBlocks. They can't be disputed, modified, or lost.

Use case example: Luxury goods retailer issues NFT receipt with product authentication. Customer resells item years later. New buyer verifies authenticity through blockchain record. Fraud eliminated.

Smart contracts automatically trigger warranty claims, loyalty point accrual, and accounting reconciliation.

Zero manual intervention required.

LUSD Stablecoin: Volatility Solution

Crypto's Achilles heel has always been price volatility.

Bitcoin drops 15% during your transaction? You just lost margin.

LUSD solves this.

Our algorithmic stablecoin maintains 1:1 parity with USD through:

• Collateralized reserve pools

• Real-time arbitrage mechanisms

• Smart contract price stabilization

Merchants receive LUSD. They can:

• Hold as USD equivalent

• Convert to fiat via instant off-ramps

• Use for supplier payments

• Stake for yield (currently 4.2% APY)

The volatility problem doesn't exist when your settlement currency maintains perfect stability.

Master/Sub-Wallet Architecture For Enterprises

Corporate treasury management gets complicated fast.

Department budgets. Subsidiary spending. Multi-location operations. Expense tracking across hundreds of cost centers.

LareBlocks master/sub-wallet system handles all of it.

Master wallet: Treasury-level control with admin permissions

Sub-wallets: Unlimited creation for departments, locations, projects

Key features:

• Instant fund allocation from master to sub-wallets

• Spending limits and approval workflows

• Real-time transaction monitoring via LareScan

• Automated reconciliation and reporting

• Role-based access controls

CFO maintains master wallet oversight. Regional managers control sub-wallets. Store managers process daily transactions.

All activity flows into unified dashboards with granular permission controls.

Traditional corporate banking requires separate accounts, wire transfers, and manual reconciliation. LareBlocks does it all on-chain with instant settlement and zero fees between internal wallets.

LareScan Infrastructure: Real-Time Transparency

Every enterprise needs transaction visibility.

LareScan provides:

• Complete transaction history

• Real-time settlement confirmation

• Smart contract execution logs

• NFT receipt verification

• Multi-signature wallet monitoring

The blockchain explorer interface rivals enterprise banking platforms. Filter by date, amount, wallet address, or transaction type.

Audit trails exist permanently on-chain. Compliance teams access complete records without data retention concerns.

No more reconciling fragmented payment processor reports. Everything lives in one transparent, immutable ledger.

Why Your Enterprise Needs This Now

First-mover advantage is real.

Enterprises adopting blockchain payment infrastructure in 2026 position themselves ahead of competitors still locked into legacy rails.

Strategic benefits:

• Cost leadership through 50% fee reduction

• Operational efficiency from instant settlement

• Customer experience via innovative receipt NFTs

• Treasury optimization through LUSD staking yields

The global payments market is $2.2 trillion annually. Blockchain infrastructure claims larger market share every quarter.

Early adopters don't just save money. They build competitive moats.

Implementation takes weeks, not months:

1. Connect existing systems via API

2. Configure master/sub-wallet structure

3. Train staff on dashboard interface

4. Begin processing transactions

No rip-and-replace required. LareBlocks integrates alongside existing payment methods during transition.

Real-World Deployment Scale

LareBlocks already processes $47M monthly volume across enterprise clients.

Sectors using it:

• E-commerce platforms

• Subscription services

• Digital marketplaces

• Cross-border B2B payments

• Gift card and loyalty programs

The infrastructure scales from boutique stores to Fortune 500 enterprises.

Same architecture. Same fee structure. Same settlement speed.

Transaction volume doesn't change the economics. Whether you process $10K or $10M monthly, you pay under 1.5% with instant settlement.

Traditional processors increase fees at higher volumes or lock you into complex tier structures.

LareBlocks doesn't.

The Path Forward

Traditional payment infrastructure won't survive unchanged.

Blockchain rails offer superior economics, speed, and transparency. Enterprises recognize this. Migration has begun.

The question isn't whether to adopt blockchain payments.

The question is how quickly you implement.

Competitors already running on LareBlocks operate with structural cost advantages. Their margins improve while yours remain static.

Next steps:

Explore the ecosystem at larecoin.com.

Join the community discussion at our forum.

Review technical documentation and integration guides.

The infrastructure exists. It's proven. It's scalable.

Your move.