Larecoin Vs NOWPayments and CoinPayments: Which Crypto POS System Actually Gives You Self-Custody?

Here's the truth: most crypto payment processors don't actually give you custody of your funds.

They say "accept crypto payments." What they mean is "let us hold your crypto until we decide to release it."

Larecoin works differently. Your wallet. Your keys. Your money, instantly.

Let's break down exactly what's happening behind the scenes with these platforms.

The Custody Problem Nobody Talks About

When you accept a payment through NOWPayments or CoinPayments, here's what actually happens:

Customer pays → Funds route to their wallet → Sits on their balance sheet → You request withdrawal → They process it → You finally get paid.

See the problem?

You're not accepting crypto payments. You're accepting an IOU from a third party.

How Larecoin's Self-Custody Actually Works

Connect your merchant portal directly to your self-custody wallet.

Customer pays.

Funds arrive in your wallet. Sub-second finality.

That's it. No middleman. No waiting. No "pending withdrawals."

Your private keys stay private. Your cryptocurrency never touches someone else's balance sheet.

Zero counterparty risk from the moment of transaction.

The Real Difference: Control

Larecoin:

• Direct wallet integration

• Instant settlement to YOUR wallet

• You control private keys

• Zero intermediary custody

• No withdrawal processing times

NOWPayments & CoinPayments:

• Custodial infrastructure

• Funds held in their accounts

• They control the keys

• Subject to their withdrawal policies

• Processing delays standard

Think about what "accepting crypto" actually means. If you don't control the keys, you don't control the coins.

Why Custodial Models Create Risk

Let's talk about what can go wrong when someone else holds your money.

Account Freezes The custodian decides your account looks "suspicious." Your funds get locked. Good luck getting them released quickly.

Terms of Service Changes They update their TOS. New fees. New restrictions. New compliance requirements. You agree or you leave, but first, request that withdrawal.

Deplatforming Risk They don't like your business model. Or your transaction volume triggers their risk algorithms. Or they just decide to exit your market. Your account gets shut down.

Platform Insolvency Remember FTX? Celsius? BlockFi? When custodians fail, customer funds disappear. You become an unsecured creditor in bankruptcy proceedings.

With Larecoin, none of these scenarios exist. Can't freeze a wallet you don't control. Can't change terms on a decentralized protocol. Can't deplatform someone who never needed your permission.

Settlement Speed Comparison

Larecoin: Payment hits your wallet in under a second. Built on LareBlocks Layer 1 infrastructure for lightning-fast finality.

NOWPayments: Payment arrives to them instantly. Your withdrawal? That's a batch process. Could be hours. Could be days for first-time withdrawals.

CoinPayments: Similar story. They settle on their end immediately. Your payout follows their schedule, not yours.

Speed matters when you need to manage cash flow, restock inventory, or just access your own money without asking permission.

The Tax Advantage of Self-Custody

Here's something most merchants miss: custody affects your tax reporting.

With custodial platforms, you're essentially receiving payments through a payment processor. Creates complexity around cost basis, holding periods, and transaction tracking.

Larecoin's direct-to-wallet model? Crystal clear transaction history. Every payment generates an NFT receipt on-chain. Perfect audit trail. Simplified tax reporting.

Transparent blockchain records through LareScan explorer make compliance straightforward.

Master and Sub-Wallet Management for Enterprises

Larecoin's merchant tools include sophisticated wallet management, while maintaining self-custody.

Set up master wallets for enterprise oversight. Create sub-wallets for departments, locations, or franchises. Each maintains self-custody while rolling up to centralized reporting.

Try doing that with a custodial platform. You get one account, their rules, their structure.

What About Security?

The irony: custodial platforms position themselves as "more secure" because they manage everything for you.

Translation: they're a honeypot. One breach compromises thousands of merchant accounts.

Self-custody distributes risk. Hackers would need to compromise individual wallets. Far harder. Far less attractive target.

Plus, Larecoin's smart wallet infrastructure includes built-in security features without sacrificing custody. You get enterprise-grade protection with retail simplicity.

The 1.5% Transaction Tax That Actually Helps

Larecoin charges a 1.5% transaction tax. Before you compare it to competitor fees, understand where it goes.

Supporting global charities through transparent, on-chain distribution.

Not to a corporate balance sheet. Not to VC investors. To verified charitable organizations making real impact.

You're running a business, yes. But you're also participating in an ecosystem with built-in social responsibility.

Real Merchant Onboarding: No Technical Barriers

Self-custody sounds technical. Larecoin makes it simple.

Seamless onboarding via multiple pathways:

• Gift cards for instant value

• ACH connections for traditional banking integration

• Push-to-card services for immediate liquidity

You don't need to become a blockchain expert. You just need to connect your wallet.

The system handles complexity. You handle your business.

The Metaverse Advantage

NOWPayments and CoinPayments handle basic e-commerce and POS transactions.

Larecoin operates in the B2B2C metaverse. AI-powered shopping experiences. Community hubs. Virtual storefronts. NFT integrations.

Your self-custody wallet works across physical retail, e-commerce, and virtual environments. One unified system. No separate accounts for different channels.

Check out 15 metaverse shopping features transforming retail in 2026.

Regulatory Clarity: The CLARITY Act Impact

H.R. 3633 classifies cryptocurrencies as digital commodities. This matters for custody.

Larecoin operates within this framework as a legitimate digital commodity payment system. Self-custody aligns perfectly with regulatory expectations for commodity ownership.

Custodial platforms? They're navigating money transmission laws, custody requirements, and increasingly complex compliance frameworks. That complexity gets passed to you through restrictions, reporting requirements, and operational friction.

Your Money, Your Timeline

Custodial platforms optimize for their operational efficiency. Batch processing. Withdrawal windows. Minimum thresholds.

Self-custody optimizes for YOUR needs. Access funds immediately. Move them to exchanges, cold storage, or other wallets without requesting permission.

No "please process my withdrawal" tickets. No waiting for business hours. No wondering if today's the day they decide your account needs "additional verification."

The Bottom Line

Three platforms. One question: Who controls your money?

NOWPayments: They do, until you ask for it back.

CoinPayments: They do, until you ask for it back.

Larecoin: You do, from the moment it arrives.

Self-custody isn't just a technical feature. It's the fundamental difference between actually accepting cryptocurrency and accepting promises about cryptocurrency.

Your business. Your payments. Your wallet. Your keys.

That's not a tagline. That's how Larecoin works.

Ready to Actually Own Your Payments?

Join the Larecoin community and see what true self-custody looks like in action.

Set up your merchant portal. Connect your wallet. Start accepting payments that arrive directly to you.

No intermediary. No custodian. No excuses.

Just crypto payments the way they were meant to work.