Larecoin vs CoinPayments: Which Crypto POS System Actually Gives You Self-Custody?

Here's the uncomfortable truth about most crypto payment processors.

They're just banks wearing a blockchain costume.

You accept crypto. They hold your funds. You wait for them to release your money. Sound familiar? It should. That's exactly how traditional payment processors work.

But wasn't the whole point of cryptocurrency to eliminate intermediaries?

Let's break down what's really happening when you choose between Larecoin and CoinPayments. Spoiler: only one actually gives you self-custody.

What Self-Custody Actually Means for Merchants

Self-custody isn't just a buzzword. It's a fundamental difference in how your business operates.

Self-custody = your keys, your coins, your control.

When a customer pays you, funds hit YOUR wallet. Immediately. No waiting. No approval process. No third party deciding when you can access your own revenue.

Custodial = someone else holds your money.

They process. They verify. They release. On their timeline. According to their rules.

For merchants serious about financial sovereignty, this distinction changes everything.

The CoinPayments Model: Custodial by Design

CoinPayments has been around since 2013. They support 100+ cryptocurrencies. Solid track record.

But here's what they don't advertise in big letters:

They hold your funds.

When your customer pays in crypto through CoinPayments:

• Funds go to CoinPayments first

• CoinPayments verifies the transaction

• CoinPayments processes the payment

• CoinPayments releases funds to you

That release timeline? Minutes to hours. Sometimes longer depending on network conditions and their internal processing.

You're trusting them with your revenue. You're dependent on their systems staying online. You're relying on their compliance policies not flagging your legitimate business.

The fee structure:

• 0.5% to 1% processing fees on every transaction

• Additional withdrawal fees

• Conversion fees if you want fiat

These percentages add up fast. A business processing $50,000/month in crypto payments loses $250-$500 monthly. Just in processing fees.

That's $3,000-$6,000 annually going to an intermediary.

The Larecoin Model: True Self-Custody

Larecoin built something different from the ground up.

No intermediary. Period.

When a customer pays through Larecoin's crypto POS system:

• Funds go directly to YOUR wallet

• Transaction confirms on the blockchain

• Done

You're not waiting for anyone's approval. You're not trusting a third party with your revenue. You maintain complete control over your merchant funds from second one.

This is what crypto was supposed to be.

The fee structure:

• Gas-only fees (network transaction costs)

• No percentage-based processing fees

• No intermediary markup

You pay what the blockchain charges. Nothing more.

Head-to-Head: The Real Differences

Let's get specific.

Feature	Larecoin	CoinPayments
Custody Model	Self-custody	Custodial
Fund Access	Immediate	Minutes to hours
Processing Fees	Gas-only	0.5-1%
Intermediary	None	Yes
Your Keys	Yes	No
Financial Control	Complete	Dependent

The pattern is clear.

CoinPayments recreates traditional payment processing with crypto characteristics. Larecoin delivers what cryptocurrency actually promised.

Why This Matters for Small Business Owners

Running a small business means every percentage point counts.

Traditional card processing already eats 2-3% of every transaction. Interchange fees. Assessment fees. Processing fees. The death by a thousand cuts.

Moving to crypto should reduce those costs. Not replace one intermediary with another.

With Larecoin's self-custody merchant accounts:

• Cut processing fees by 50%+ compared to card networks

• Eliminate intermediary dependencies

• Access revenue instantly

• Maintain complete financial autonomy

For a coffee shop doing $10,000/month in crypto-friendly customers, that's the difference between $50-100 in gas fees versus $100-150+ in CoinPayments fees.

Scale that to $100,000/month and you're looking at $500-1,500 in annual savings.

Real money. Back in your pocket.

The LUSD Advantage: Stability Without Sacrifice

Volatility concerns? Addressed.

Larecoin's LUSD stablecoin gives merchants the best of both worlds:

• Accept crypto payments

• Hold value in a stable asset

• Maintain self-custody throughout

No need to immediately convert to fiat through a centralized exchange. No exposure to wild price swings. Just stable value, held in your own wallet.

CoinPayments offers stablecoin support too. But remember: they're still holding those funds. Their custody, their rules.

NFT Receipts: Accounting That Actually Works

Here's something CoinPayments doesn't offer: NFT receipts.

Every Larecoin transaction generates an immutable receipt on-chain. This means:

• Permanent transaction records

• Tamper-proof documentation

• Simplified accounting and reconciliation

• Audit-ready proof of every payment

Traditional payment processors give you spreadsheets. Larecoin gives you blockchain-verified receipts that exist forever.

For merchants dealing with tax compliance, inventory tracking, or simply wanting clean books: NFT receipts for accounting are a game-changer.

Bank-Free Business Operations

Let's talk about the bigger picture.

Self-custody isn't just about saving on fees. It's about operating your business without banking dependencies.

Banks freeze accounts. Banks require extensive documentation. Banks close merchant accounts for industries they don't like.

With true self-custody:

• No bank approval needed

• No account freezes

• No arbitrary policy changes affecting your revenue

• Global reach without correspondent banking limitations

Larecoin enables Web3 global payments that work the same whether you're in Miami or Manila.

CoinPayments still requires you to trust their platform policies. They can suspend accounts. They can delay withdrawals. They're still a centralized point of failure.

The Bottom Line: Which Crypto POS System Deserves Your Business?

CoinPayments is a legitimate platform. They've processed billions in transactions. They work.

But they're not self-custody.

If you want a crypto payment processor that operates like a traditional payment gateway with crypto features: CoinPayments does that job.

If you want actual financial sovereignty:

• True self-custody

• Gas-only fees

• Immediate fund access

• NFT receipts

• LUSD stability

• Zero intermediary dependency

Larecoin is the clear choice.

The question isn't which platform processes payments faster or supports more coins. The question is: do you want to own your revenue or let someone else hold it?

For merchants tired of intermediaries taking cuts and controlling timelines, Larecoin represents what crypto payment processing should have been from day one.

Your business. Your customers. Your money. Your wallet.

That's self-custody. That's Larecoin.

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Ready to take control of your merchant payments? Explore Larecoin's ecosystem and see what true financial sovereignty looks like for your business.