LareBlocks Layer 1 Infrastructure Secrets Revealed: Why Self-Custody Merchant Accounts Beat Traditional Payment Rails

Your Payment Processor Is Bleeding You Dry

Visa takes 2.9% plus $0.30. Mastercard? Same story.

Stripe charges you processing fees, then hits you with chargeback fees. PCI compliance costs stack up. Settlement takes 2-3 business days.

By the time your money hits your account, you've lost 3.5% minimum.

LareBlocks eliminates this entirely.

Fixed sub-$0.01 transaction fees. Settlement in 3 seconds. Zero chargeback risk. No intermediaries skimming percentages off your revenue.

This isn't a payment gateway bolted onto someone else's blockchain. This is pure Layer 1 infrastructure built specifically for enterprise commerce.

What Makes Layer 1 Different (And Why It Matters)

Layer 2 solutions depend on external networks. They inherit every vulnerability, congestion issue, and fee spike from their underlying blockchain.

Ethereum gas fees surge? Your costs spike. Solana has an outage? Your payments halt. Bitcoin mempool backs up? Settlement delays.

LareBlocks operates independently.

Own distributed ledger. Own consensus mechanism. Own global validator network.

When you process payments through LareBlocks, external network drama doesn't touch you. No inherited vulnerabilities. No borrowed infrastructure limitations.

Think of it like owning your building versus renting office space. Landlord issues don't affect owners.

The Self-Custody Advantage Traditional Rails Can't Match

Legacy payment processors control your funds. They can freeze accounts. They can reverse transactions. They can change fee structures without warning.

You're renting access to your own money.

Self-custody means actual ownership.

Your wallet. Your keys. Your funds. Nobody can freeze your account because there's no central authority to freeze it.

But here's where LareBlocks separates from basic crypto wallets: enterprise-grade control without sacrificing custody.

Master/Sub-Wallet Architecture

Create unlimited sub-wallets directly at protocol level. Not a third-party plugin. Native functionality.

One master treasury wallet for centralized control. Individual sub-wallets for each location, department, or product line.

Customize permissions per sub-wallet:

• Spending limits

• Multi-signature requirements

• Time-based restrictions

• Geographic controls

CFOs get complete visibility. Store managers get operational independence. Finance teams maintain compliance oversight.

All without surrendering custody to a payment processor.

Fee Structure Comparison: LareBlocks vs Legacy vs Crypto Competitors

Traditional payment rails destroy profit margins:

• Visa/Mastercard: 2.9% + $0.30 per transaction

• Square: 2.6% + $0.10 (in-person), 2.9% + $0.30 (online)

• Stripe: 2.9% + $0.30 plus additional fees for international cards

Monthly costs add up fast. $100,000 in transactions? You're paying $2,900+ in fees.

Crypto payment processors aren't much better:

• NOWPayments: 0.5% per transaction (minimum)

• CoinPayments: 0.5% plus network fees

Still better than legacy, but percentage-based fees scale with transaction volume.

LareBlocks charges fixed sub-$0.01 fees. Period.

$10 transaction? Sub-penny fee. $10,000 transaction? Same sub-penny fee.

Process $100,000 monthly:

• Traditional rails: $2,900+ in fees

• NOWPayments: $500+ in fees

• CoinPayments: $500+ in fees

• LareBlocks: ~$100 in total fees

That's 50%+ savings compared to legacy rails. 80%+ savings compared to crypto competitors.

NFT Receipts: Your Accountant's New Best Friend

Every transaction on LareBlocks automatically mints an NFT receipt. Not optional. Built into Layer 1 protocol.

These aren't collectible JPEGs. These are immutable proof-of-purchase records containing:

• Transaction timestamp

• Payment amount (in LARE and LUSD)

• Merchant identification

• Product/service details

• Tax jurisdiction data

Tax season becomes trivial.

No reconciling spreadsheets. No hunting for paper receipts. No disputing transaction records.

Your accountant imports NFT receipt data directly into tax software. Every transaction verified on-chain. Zero ambiguity.

Customers get digital proof of purchase automatically. Returns, warranties, and expense reports all reference the same immutable record.

Compare this to traditional payment processors where transaction data sits in proprietary databases. Export headaches. Format incompatibilities. Missing records.

NFT receipts live on-chain forever. Accessible to you. Verifiable by anyone. Controlled by no one.

LUSD Stablecoin: Price Stability Without Banking Dependencies

Crypto volatility scares merchants. Price swings between checkout and settlement destroy margin calculations.

LUSD stablecoin solves this.

Pegged 1:1 to USD. Algorithmic stability mechanisms maintain the peg. No custodial bank holding reserves that could freeze or fail.

Customers pay in LARE, LUSD, or any supported token. Your treasury receives LUSD for predictable accounting. Settlement happens in seconds, not days.

Want fiat? Push-to-card services convert LUSD to USD and deposit directly to your bank card. Instantly. No ACH delays. No new account requirements.

The flexibility is unprecedented:

• Hold LUSD for stable treasury reserves

• Convert to fiat immediately via push-to-card

• Swap to LARE for ecosystem participation

• Mix strategies based on cash flow needs

Traditional payment processors force you into their settlement schedule. Two-day minimums. No flexibility. Your capital locked in their system.

LUSD gives you options. Your money. Your timeline. Your choice.

LareScan: Transparency That Traditional Rails Hide

Every transaction on LareBlocks appears on LareScan: our blockchain explorer.

Full transparency. Real-time visibility. Public verification.

Check transaction status instantly. Verify settlement finality. Audit payment flows without requesting data from processors.

Traditional payment networks hide this information. Want transaction details? Submit a request. Wait for approval. Hope they provide complete data.

LareScan shows everything. Immediately.

Customers can verify their payments went through. Merchants can confirm receipt. Auditors can trace payment flows. Tax authorities can verify compliance.

This transparency eliminates disputes before they start. Both parties see the same immutable record. No "he said, she said" reconciliation arguments.

Network Independence: Why Borrowed Infrastructure Fails Merchants

Building on Ethereum? You inherit their congestion. Gas fees spike during high usage. Settlement slows. Costs become unpredictable.

Building on Solana? You inherit their outages. Network goes down. Your payments halt. Revenue stops.

Building on Bitcoin? You inherit their mempool backlogs. Confirmation times extend. Customers wait. Transactions fail.

Layer 2 solutions still depend on Layer 1 infrastructure they don't control.

LareBlocks controls the entire stack:

• Custom consensus: Byzantine Fault Tolerant with 3-second finality

• Dedicated validator network: Incentivized specifically for commerce

• Purpose-built protocol: Optimized for payment processing, not general computation

When network demand surges elsewhere, LareBlocks continues operating normally. Your transaction costs don't spike. Your settlement times don't extend.

This is the difference between renting infrastructure and owning it.

Enterprise Features NOWPayments and CoinPayments Don't Offer

Crypto payment processors focus on acceptance. They connect existing blockchains to merchant checkouts.

LareBlocks provides infrastructure ownership.

NOWPayments offers 0.5% fees and multi-coin support. Good start. But you're still paying percentage-based fees that scale with volume. Still dependent on external blockchain performance. Still lacking native enterprise controls.

CoinPayments provides similar functionality. Multi-currency support. Percentage fees. External infrastructure dependencies.

Neither offers:

• Protocol-level master/sub-wallet architecture

• Native NFT receipt generation

• Governance participation rights

• Network independence from external blockchains

• Fixed sub-penny transaction fees regardless of amount

LareBlocks isn't a payment gateway. It's foundational infrastructure you operate on.

The comparison is backwards. NOWPayments and CoinPayments could build on LareBlocks. They can't replicate it.

The Social Impact Layer (Because Profitability Can Do Good)

LareBlocks includes a 1.5% transaction tax directed to global hunger initiatives.

Built into protocol. Not optional. Not a donation checkbox. Automatic contribution on every transaction.

You save 50%+ on fees compared to legacy rails while simultaneously funding humanitarian efforts.

Traditional payment processors take your money and maximize shareholder returns. LareBlocks redistributes a portion to solve actual problems.

Same infrastructure. Lower costs. Positive global impact.

Getting Started: Master/Sub-Wallet Setup

Step 1: Create your master merchant wallet on LareBlocks. This becomes your treasury control center.

Step 2: Generate sub-wallets for each location, department, or use case. Unlimited creation. Zero fees.

Step 3: Configure permissions per sub-wallet. Set spending limits. Require multi-sig. Define operational parameters.

Step 4: Integrate LareBlocks payment acceptance at checkout. API documentation available. Developer support included.

Step 5: Monitor transactions via LareScan. Track settlement. Export NFT receipts for accounting.

No lengthy approval process. No credit checks. No waiting for processor onboarding.

Your infrastructure. Your timeline. Your control.

The Bottom Line

Traditional payment rails charge 2-3.5% plus fees. Settlement takes days. You don't control your funds.

Crypto processors like NOWPayments and CoinPayments reduce fees to 0.5% but still charge percentages. Still depend on external blockchains. Still lack enterprise controls.

LareBlocks charges sub-$0.01 fixed fees. Settles in 3 seconds. Gives you complete custody and control.

Layer 1 infrastructure built specifically for commerce. Not borrowed. Not dependent. Not compromised.

Master/sub-wallet architecture for enterprise management. NFT receipts for tax transparency. LUSD stablecoin for price stability. LareScan for public verification.

This is how payment infrastructure should work.

Stop renting. Start owning.

Learn more about reducing merchant fees with Web3 global payments.