Larecoin Vs CoinPayments: 5 Reasons Why Self-Custody Is a Business Game-Changer

The payment landscape shifted. It’s February 2026, and if you’re still letting a third party hold your crypto revenue, you’re playing a dangerous game. Centralized gateways were the training wheels of the crypto industry. They served a purpose. But today? They’re just another layer of friction, fees, and risk.

Businesses are moving to self-custody. They are choosing Larecoin.

While platforms like CoinPayments and NOWPayments continue to operate on legacy custodial models, Larecoin is rewriting the rules of Web3 payments. We aren't just processing transactions; we are handing you the keys to your financial kingdom.

Here are five reasons why Larecoin’s self-custody model is the ultimate game-changer for your business.

1. Slashing Interchange Fees by 50%: and Beyond

Traditional payment processors and even many crypto gateways have a dirty little secret: they love your growth because they tax it. CoinPayments typically charges a flat percentage on every transaction. At first glance, 1% sounds small. But do the math.

If your business processes $500,000 annually, CoinPayments is taking roughly $5,000 off the top. Scale that to $1.2 million, and you’re looking at $12,000 in fees. That’s capital that should be going back into your marketing, your inventory, or your bottom line.

Larecoin changes the math. We operate on a gas-only fee model.

With Larecoin, you don’t pay us a percentage of your success. You pay the network costs. On the Solana blockchain, those costs are fractions of a cent. For a business doing $1.2 million in volume, Larecoin stays around $2,000 in total costs. That is a 78% reduction compared to legacy competitors.

Stop paying a "success tax." Start keeping your revenue. Check out our ultimate guide to reducing interchange fees to see the full breakdown.

2. Immediate Finality: No More "Pending" Withdrawals

When you use a custodial gateway like CoinPayments, the money isn't yours yet. It sits in their wallet. You have to request a withdrawal. You have to wait for their internal processing. You have to hope there isn't a "technical issue" or a sudden change in terms of service that freezes your funds.

In the Web3 era, "pending" is a four-letter word.

Larecoin leverages the Solana blockchain to provide sub-second finality. When a customer pays, the funds land in your wallet. Directly. Instantly. There is no middleman to ask for permission.

This immediate access to working capital is a massive operational advantage. Whether you need to pay a vendor, buy more inventory, or swap to LUSD stablecoin for accounting stability, the power is in your hands from the moment the transaction hits the ledger.

3. The Utility of NFT Receipts and LareScan Transparency

Legacy systems give you a transaction ID and a prayer. If a customer disputes a payment or an auditor asks for records, you’re digging through centralized databases that you don’t control.

Larecoin introduces the NFT Receipt.

Every transaction processed through the Larecoin ecosystem generates a blockchain-verified NFT receipt. This is an immutable, permanent record of the exchange. It can’t be edited. It can’t be deleted. It is the gold standard for modern accounting.

By using LareScan, our proprietary explorer, you and your customers have 100% transparency. This eliminates "lost" payment tickets and simplifies tax season. While CoinPayments offers basic logs, Larecoin offers cryptographically secured proof of commerce.

4. Financial Sovereignty with LUSD Stablecoin

Market volatility is the biggest hurdle for merchant adoption. You want the speed of crypto but the stability of the dollar.

Larecoin’s ecosystem is built around LUSD, our native stablecoin version. By accepting payments in LUSD or instantly swapping received tokens into LUSD via our DEX features, you maintain dollar-stable accounting while enjoying the benefits of Web3.

The best part? Because you are in a self-custody environment, you can move your LUSD into yield-bearing DeFi protocols or use it across the broader Solana ecosystem without waiting for a gateway to "approve" your transfer. This is what we call financial sovereignty.

5. Scaling Without Penalty

As your business grows, custodial platforms like NOWPayments and CoinPayments become more expensive. Their percentage-based fees scale linearly with your volume.

Larecoin’s gas-only model is flat. Whether you process 10 transactions or 10,000, your platform fee remains zero. The network gas fees stay consistent. This makes your overhead predictable and rewards your growth rather than penalizing it.

Over a 36-month period, a merchant processing $100,000 a month would save over $20,000 by switching from CoinPayments to Larecoin. That’s enough to hire a new employee or launch a whole new product line.

Scaling isn't just about making more money; it's about keeping more of what you make.

The Future is Self-Custodial

The era of trusting third-party "gatekeepers" is ending. Merchants are waking up to the reality that self-custody isn't just a security preference: it's a massive competitive advantage.

By choosing Larecoin over legacy providers, you get:

• Zero platform fees.

• Instant access to funds.

• NFT-backed record keeping.

• Stablecoin integration for zero volatility.

• The speed of Solana.

Larecoin is more than a payment button. It is a full-stack Web3 financial ecosystem. From our CoinCheckout solution to the innovative features found at larecoin.ai, we are building the tools that will power the next decade of global commerce.

Stop being a tenant in someone else’s payment gateway. Become the owner of your own financial future.

Join the movement. Slashing fees. Empowering merchants. This is the Larecoin way.

Ready to upgrade? Explore the Larecoin Dashboard and see how easy it is to integrate Web3 payments into your storefront today. The marathon continues, and we’re just getting started.

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