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How to Slash Your Merchant Interchange Fees by 50% Using Larecoin’s Receivables Token


The Merchant Fee Nightmare is Over

Stop giving away 3.5% of your revenue.

In 2026, traditional payment processing is a relic. Visa and Mastercard still demand high interchange fees. Middlemen processors add their own "service" margins. You wait 3 to 7 days for settlement. You risk chargebacks.

It is a broken system.

Larecoin fixes this. By utilizing the Larecoin Receivables Token, merchants are cutting their transaction costs by 50% or more. We are talking about a shift from 3% fees down to 0.5% or 1%.

This isn't just a minor improvement. It is a total overhaul of how value moves from a customer to your business.

What is a Larecoin Receivables Token?

A receivables token is a digital representation of a payment right.

When a customer pays using the Larecoin ecosystem, the transaction doesn't just "happen" in a database. It is minted on-chain. This token represents the immutable proof that funds are owed and settled.

The NFT Receipt Revolution

Every transaction generates an NFT receipt.

This isn't just a JPEG. It is a programmable smart contract. It contains the metadata of the purchase, the tax requirements, and the shipping details. It serves as your accounting record.

No more digging through emails for receipts. No more manual reconciliation. The NFT is the record. It is permanent. It is verifiable. It is Web3 global payments in action.

How It Works: The Three-Step Settlement

When you integrate Larecoin, your checkout flow becomes a high-speed value transfer.

  1. Minting: The customer pays in LARE or LUSD. A receivables token is minted instantly.

  2. Verification: The blockchain validates the transaction. No bank intervention. No "pending" status for days.

  3. Self-Custody: Funds hit your wallet. You own the keys. You own the capital.

Crypto Payments Made Easy

Slashing the Fees: The Real Math

Let’s look at the numbers.

Traditional processors charge an average of 2.9% + $0.30 per transaction. On a $100 sale, you lose $3.20.

Larecoin leverages the Solana blockchain and the Larecoin Receivables Token. Your total cost? Often under 1%.

On a $100 sale, you keep $99.00 or more.

If your business does $1,000,000 in annual volume, the difference is staggering.

  • Traditional Processing: ~$30,000 - $40,000 in fees.

  • Larecoin Ecosystem: ~$5,000 - $10,000 in fees.

You just found $25,000 in "lost" profit. That is the power of Larecoin.

Larecoin vs. The Competition

You have options. But not all options are equal.

NOWPayments & CoinPayments

Many merchants look at NOWPayments or CoinPayments. They are better than legacy banks, but they still operate on a custodial or semi-custodial model.

  • NOWPayments: Often requires a percentage fee on every swap. You are still dealing with their internal settlement layers.

  • CoinPayments: Great for a wide variety of coins, but you are often stuck in their ecosystem. They hold the "account" for you.

The Larecoin Difference: Freedom

Larecoin is about Merchant Independence.

We don't want to hold your funds. We provide the infrastructure for you to hold your own.

Larecoin offers self-custody. Your revenue goes directly to your wallet. No middleman can freeze your account. No processor can "review" your business model and hold your funds for 90 days.

We provide the tools. You provide the business.

Powering Everything with LUSD

Volatility is the enemy of merchant adoption.

You can't pay your employees in a coin that drops 20% overnight.

That is why the Larecoin Receivables Token works seamlessly with LUSD.

LUSD is our stablecoin version. It is pegged to the dollar. It is fast. It is secure. When you receive $500 in LUSD, it is $500. You get the speed of crypto with the stability of fiat.

Push-to-Card Technology

Need to spend your crypto profits in the "real world"?

Larecoin features Push-to-Card capabilities. Move your LUSD or LARE earnings directly to a debit card. Use it at the grocery store. Use it for payroll.

It bridges the gap between the decentralized future and today’s reality.

Digital payment card with glowing data streams for Larecoin push-to-card and Web3 global payments.

AI and Machine Learning: Larecoin.ai

The secret weapon for 2026 merchants is larecoin.ai.

We use AI and machine learning to optimize your payment routing. The AI analyzes network congestion, gas fees on Solana, and liquidity depths to ensure your receivables tokens are minted at the absolute lowest cost.

Larecoin.ai also handles the heavy lifting of:

  • Predictive Revenue Modeling: See your cash flow trends across the blockchain.

  • Fraud Detection: AI-driven analysis of wallet addresses to prevent malicious actors.

  • Tax Optimization: Automatically categorizing NFT receipts for your end-of-year filings.

Smart payments require smart technology.

The Solana Advantage

Larecoin is built on Solana. Why?

Speed. Scale. Low fees.

Legacy blockchains are too slow for retail. You can't wait 10 minutes for a confirmation at a coffee shop. On Solana, it is near-instant. Gas fees are fractions of a cent.

Solana blockchain logo

This infrastructure allows Larecoin to offer the "gas-only transfer" experience. It is the closest thing to digital cash we have ever seen.

Merchant Independence: The Ultimate Goal

Why are you still using systems that treat you like a liability?

Traditional payment processors view merchants as a "risk." They charge you higher fees because they don't trust the system they built.

Larecoin flips the script.

The blockchain is the trust layer. The Receivables Token is the proof. The NFT receipt is the record.

You don't need permission to get paid. You don't need to justify your business to a bank in another country.

Decentralized Crypto Payments

The future of commerce is decentralized.

Whether you are selling digital goods in the Metaverse or physical products in a brick-and-mortar shop, Larecoin provides the Web3 global payment gateway you need.

It is fast. It is cheap. It is yours.

Set Up Your Future Today

The Larecoin 100-post marathon is about more than just technology. It is about a movement.

We are moving away from the "Interchange Tax." We are moving toward a world where merchants keep what they earn.

Join the Larecoin community. Explore the forum. See how other fund managers and business owners are using LARE to scale their operations.

Stop settling for 97% of your revenue. Demand 99.5%.

Use Larecoin. Mint your receivables tokens. Take control of your capital.

Larecoin logo

Quick Links to Get Started:

Larecoin: The Smartest Way to Pay and Get Paid.

 
 
 

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