LareBlocks Layer 1 vs. Traditional Payment Gateways: Which Is Better For Your Small Business?

Your small business is bleeding cash.

Every credit card swipe costs you 2.9%-3.5% plus $0.30. International orders? Add another 2%-4% for currency conversion. Chargebacks hit you with $15-$25 penalties. Withdrawal fees eat another $25-$50.

On a $10,000 international transaction, you lose $500-$700 before a single dollar hits your account.

Traditional payment gateways built their empires on these fees. But LareBlocks Layer 1 just flipped the script.

The Traditional Payment Gateway Problem

Visa. Mastercard. PayPal. Stripe.

These networks process 1,700 transactions per second. Sounds impressive until you realize they need 2-3 days to actually settle funds.

Here's what happens behind the scenes:

Your customer pays → Processor takes their cut → Bank takes their cut → Currency converter takes their cut → You wait 72 hours → Money finally arrives (minus all those fees).

Every transaction passes through 4-6 intermediaries. Each one grabs a slice.

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The real cost breakdown:

• Base transaction fee: 2.9%-3.5%

• Fixed fee per transaction: $0.30

• Network processing: 0.15%-0.5%

• International conversion: 2%-4%

• Withdrawal fees: $25-$50

• Chargeback fees: $15-$25

For small businesses operating on thin margins, these fees kill profitability.

Then there's the dependency problem. Traditional processors rely on external banking networks. Server goes down? You can't process payments. Bank holiday? Settlements delayed.

You don't control the infrastructure. You're just renting access.

Enter LareBlocks Layer 1

LareBlocks built its own blockchain from scratch.

No piggybacking on Ethereum. No relying on Bitcoin's congestion. No external validators.

Pure Layer 1 infrastructure optimized for one thing: merchant payments.

Processing speed: 4,500+ transactions per second.

Settlement time: Sub-3 seconds.

Transaction fees: Sub-1.5% : roughly 50% lower than legacy processors.

The math is simple. LareBlocks eliminates intermediaries. Transactions settle directly on the native ledger. No banks. No credit card networks. No currency converters.

Customer pays → Blockchain validates → You receive funds.

Three seconds. One fee. Done.

The 50% Fee Savings Breakdown

Let's run real numbers.

Scenario: $50,000 monthly revenue

Traditional Gateway:

• Transaction fees (3%): $1,500

• Fixed fees ($0.30 × 500 transactions): $150

• International fees (20% of sales at 3%): $300

• Monthly withdrawal: $50

• Total: $2,000 monthly / $24,000 yearly

LareBlocks Layer 1:

• Transaction fees (1.4%): $700

• No fixed per-transaction fees

• No international conversion fees

• Instant settlement (no withdrawal fees)

• Total: $700 monthly / $8,400 yearly

Savings: $15,600 per year.

For businesses processing $500K annually? You save $156,000.

Those savings go straight to your bottom line. Hire another employee. Expand inventory. Reinvest in marketing.

Traditional gateways take your money. LareBlocks lets you keep it.

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CLARITY Act: Digital Commodity Status

H.R. 3633 : the CLARITY Act : just gave Larecoin major regulatory tailwind.

The Act classifies Larecoin as a digital commodity, not a security. This matters because:

Simplified compliance. You're not dealing with securities regulations. No SEC registration. No accredited investor requirements.

Tax clarity. Commodity treatment means straightforward capital gains treatment. Your accountant already knows how to handle it.

Banking access. Financial institutions can legally work with digital commodities. Easier on-ramps and off-ramps for your business.

Long-term stability. Clear regulatory status means you're not building on shaky legal ground.

Compare this to crypto payment processors like NOWPayments or CoinPayments. They support 200+ cryptocurrencies, but most lack regulatory clarity. One SEC announcement could disrupt their entire model.

LareBlocks operates within defined regulatory boundaries. You get crypto's efficiency without the legal uncertainty.

NFT Receipts: The Future of Transaction Records

Every payment on LareBlocks generates an NFT receipt.

Not a gimmick. A revolutionary accounting tool.

Each NFT contains:

• Transaction timestamp

• Payment amount

• Product details

• Customer wallet address

• Smart contract verification

These receipts are immutable, auditable, and transferable.

Your accountant can verify every transaction instantly. Tax audits become trivial. Disputes get resolved with blockchain-verified proof.

Traditional payment gateways give you CSV exports. LareBlocks gives you cryptographic proof.

Customers get something valuable too. NFT receipts serve as proof-of-purchase for warranties, returns, or resale. They can trade, gift, or showcase purchases in their digital wallets.

The metaverse shopping integration takes it further. NFT receipts unlock exclusive spaces, loyalty rewards, and AI-powered recommendations.

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LUSD Stablecoin: Price Stability Without Volatility

Crypto's biggest merchant barrier: price volatility.

Accept Bitcoin at $60K. It drops to $55K before you convert. You just lost 8%.

LareBlocks solved this with LUSD : the Larecoin USD stablecoin.

Pegged 1:1 to the US dollar. Backed by audited reserves. Built natively on LareBlocks Layer 1.

Customers pay in LUSD. You receive LUSD. Value stays stable.

No conversion slippage. No volatility risk. All the blockchain benefits without crypto's downsides.

When you're ready to cash out, swap LUSD to USD through the merchant portal. Instant settlement. Predictable value.

NOWPayments offers stablecoin options, but they rely on Ethereum or Tron networks. High gas fees during congestion. Slower settlement times.

CoinPayments supports USDT and USDC, but requires external wallet management and multiple conversion steps.

LUSD lives natively on LareBlocks. Single ecosystem. Seamless integration. Lower fees.

Self-Custody Security: You Control Your Funds

Traditional payment gateways hold your money. Literally.

Stripe controls when you receive payouts. PayPal can freeze accounts. Banks impose withdrawal limits.

They custody your funds. You request access.

LareBlocks flips this model. Self-custody puts you in control.

Your private keys = your money. No intermediary can freeze, delay, or restrict your funds.

Master/sub-wallet architecture lets you:

• Create department-specific wallets

• Set spending limits per location

• Grant permissions to employees

• Maintain consolidated reporting

One master account. Full control. Total transparency.

Security concerns? LareBlocks uses military-grade encryption, multi-signature requirements, and hardware wallet integration.

You're not trusting a corporation to hold your money. You're using cryptographic security to protect it yourself.

For small businesses that experienced PayPal freezes or Stripe account closures, this is game-changing. Your funds stay accessible regardless of payment processor decisions.

AI-Powered Metaverse Shopping Experience

LareBlocks isn't just processing payments. It's building the future retail experience.

AI integration analyzes customer purchase patterns and provides:

• Personalized product recommendations

• Dynamic pricing optimization

• Inventory forecasting

• Fraud detection

The metaverse layer adds immersive shopping environments. Customers browse 3D storefronts, interact with products virtually, and complete purchases with one-click crypto payments.

NFT receipts unlock exclusive metaverse spaces. Loyalty programs become gamified experiences. Virtual showrooms display your entire inventory.

Traditional payment gateways handle transactions. LareBlocks creates experiences.

Your small business competes with enterprise retailers on technology. Level playing field. Better margins.

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LareBlocks vs. NOWPayments vs. CoinPayments

NOWPayments:

• Supports 200+ cryptocurrencies

• 0.5% transaction fee (plus network fees)

• Requires external wallet setup

• Limited stablecoin options

• No Layer 1 infrastructure

CoinPayments:

• Supports 2,000+ cryptocurrencies

• 0.5% transaction fee

• Complex multi-wallet management

• Depends on external blockchain networks

• Basic merchant tools

LareBlocks Layer 1:

• Native LARE token and LUSD stablecoin

• Sub-1.5% total fees

• Integrated self-custody wallets

• Independent Layer 1 blockchain (4,500+ TPS)

• NFT receipts standard

• AI-powered merchant analytics

• Metaverse shopping integration

• Master/sub-wallet architecture

• CLARITY Act digital commodity status

NOWPayments and CoinPayments offer variety. LareBlocks offers optimization.

When you need specific niche cryptocurrencies, those platforms work. When you need the lowest fees, fastest settlement, and best merchant tools? LareBlocks wins.

The Verdict: Which Is Better?

Choose traditional payment gateways if:

• You only accept fiat currency

• You prefer familiar banking relationships

• Regulatory clarity matters less than brand recognition

Choose LareBlocks Layer 1 if:

• You want to cut payment fees by 50%

• Instant settlement matters to your cash flow

• You value self-custody and financial control

• You're building for Web3-native customers

• Tax-efficient digital commodity status appeals to you

Small businesses operate on tight margins. Every percentage point matters.

LareBlocks delivers lower fees, faster settlement, better security, and future-proof technology.

Traditional gateways lock you into their ecosystem. LareBlocks gives you freedom.

Ready to reduce merchant interchange fees? Explore Larecoin's merchant solutions and start saving today.