Larecoin.ai Vs CoinPayments: Which Is Better For Your Web3 Business?

Stop paying for the privilege of accessing your own money.

The Web3 revolution was supposed to eliminate middlemen. Yet, many "crypto payment processors" have simply become the new banks. They hold your funds. They charge high fees. They make you wait for "approvals."

If you are running a modern business, you need a modern solution.

We are currently in the middle of the Larecoin hourly blog marathon. This is about merchant freedom. It is about independence. Today, we are putting Larecoin.ai head-to-head with CoinPayments.

The winner is clear for those who value profit and speed.

The Fee Trap: Doing the Math

Most merchants overlook the small percentages. They think 0.5% or 1% is "cheap" compared to credit cards. It isn't. Not in Web3.

CoinPayments hits you with a 0.5% to 1% transaction fee. Then they hit you with network fees. Then they hit you with withdrawal fees.

Let’s look at the numbers. If your business processes $5,000,000 annually:

• CoinPayments: You lose $25,000 to $50,000 just in platform fees. That is a luxury car gone every year.

• Larecoin.ai: Zero platform fees. You pay only the Solana network gas.

On Solana, gas is fractions of a cent. For that same $5M in volume, your total cost is approximately $2,000.

You keep over $40,000 more of your own revenue just by switching. That is the definition of reducing merchant interchange fees.

Self-Custody vs. Custodial Risk

This is the biggest differentiator.

CoinPayments is custodial. When a customer pays you, the money goes to CoinPayments. It sits in their wallet. You have to request a withdrawal to move it to your own cold storage or bank.

If their platform goes down? Your money is stuck. If they decide to flag your account? Your money is frozen. This is exactly what Web3 was built to avoid.

Larecoin.ai is self-custody. We don't touch your money. We provide the infrastructure (the "rails"), but the funds settle directly into your wallet.

Real-time settlement. Instant ownership. No permission required.

The Speed Factor: Solana vs. The Old Guard

Time is money.

CoinPayments supports over 2,000 coins. Sounds great on paper. In reality, most of those coins are on slow, legacy blockchains. You wait for 3 confirmations, 6 confirmations, or 20 confirmations. Your customer is standing at a digital checkout waiting for ten minutes.

Larecoin is built on Solana.

Transactions are sub-second. They are final before the customer can even refresh the page. Larecoin is the smartest NOWPayments alternative because it prioritizes the user experience. No one wants to wait for a blockchain to "wake up."

LUSD and Volatility Protection

Accepting crypto is risky if you don't have a stable anchor.

CoinPayments requires you to manually convert or use third-party stablecoins that might have high swap fees.

Larecoin features LUSD. It is our native stablecoin version designed for the ecosystem. It allows you to accept payments without worrying about the market crashing 10% while you sleep. You get the benefits of crypto: speed, borderless access, low fees: with the stability of the dollar.

Beyond the Transaction: NFT Receipts

Why settle for a boring email receipt?

Larecoin.ai introduces NFT Receipts. This is the future of retail and e-commerce.

• Loyalty: The receipt is a collectible that can unlock future discounts.

• Warranties: A tamper-proof digital record of purchase.

• Secondary Markets: If you sell high-end goods, the NFT receipt proves authenticity for the next buyer.

CoinPayments offers none of this. They are a utility from 2017. Larecoin is an ecosystem for 2026.

AI-Powered Discovery

We don't just help you process payments. We help people find you.

The Larecoin.ai portal uses machine learning to help crypto users discover merchants. If someone has $LARE or LUSD in their wallet, our AI can suggest your business based on their spending habits and location.

CoinPayments is a silent gateway. They don't drive traffic to your store. We do.

Feature Comparison: At A Glance

Feature	Larecoin.ai	CoinPayments
Platform Fee	0%	0.5% - 1.0%
Settlement	Instant (Self-Custody)	Delayed (Custodial)
Blockchain	Solana (Ultra-Fast)	Multi-chain (Often Slow)
NFT Receipts	Included	Not Available
Merchant Discovery	AI-Driven Search	None
Native Stablecoin	LUSD	None

Why Merchants are Switching

We are seeing a mass exodus from legacy providers. Merchants are tired of the "hidden" costs.

They are tired of the withdrawal limits. They are tired of the dated interfaces that feel like they haven't been updated in five years.

Larecoin provides:

1. Direct API Access: Build exactly what you need.

2. Multi-User Controls: Give your accounting team view-only access while you keep the keys.

3. Cross-Chain Swaps: Need to turn that SOL into LUSD? Do it inside the portal.

Check our sitemap for more technical breakdowns on how we are disrupting the space.

Freedom is Decentralized

If you can't control your money, you don't own your business.

CoinPayments and NOWPayments provide a service, but they also provide a choke point. They are the gatekeepers. Larecoin removes the gate.

We believe in decentralized crypto payments. We believe in the "push-to-card" future where you can move your earnings to your real-world debit card instantly.

Start Saving Today

Stop donating your hard-earned revenue to legacy processors.

The setup for Larecoin.ai is faster than a standard merchant account application. No credit checks. No waiting periods. Just connect your wallet and start accepting global payments.

Explore our blog categories to see how other industries: from luxury weddings to tech firms: are using Larecoin to scale.

Join the revolution.

• Buy $LARE on Raydium

• Join the Forum

• Setup your Merchant Portal

Your business deserves to keep its profits. Choose Larecoin.ai.