Larecoin vs NOWPayments vs CoinPayments: Which Crypto POS System Is Actually Licensed to Operate in the US?

Here's a question most crypto payment processors don't want you to ask:

Are you actually licensed to operate in the United States?

Welcome back to the Larecoin 10-Year Blog Marathon. Today we're diving deep into something that separates legitimate Web3 payment solutions from the wild west operators. Compliance.

Not the sexiest topic. But absolutely critical if you're a US merchant accepting crypto.

Let's break down three major players: Larecoin, NOWPayments, and CoinPayments. Who's actually playing by the rules? Who's leaving merchants exposed to regulatory risk?

Spoiler: The answers might surprise you.

Why US Licensing Actually Matters

Here's the deal.

Operating a crypto payment service in the United States isn't like launching a website. The regulatory framework is complex. Multi-layered. And aggressively enforced.

You need:

• Federal MSB (Money Services Business) registration with FinCEN

• State-by-state Money Transmitter Licenses (MTLs)

• Ongoing compliance, reporting, and auditing

Skip these steps? You're operating illegally. Period.

For merchants, using an unlicensed processor creates massive liability. Fines. Account freezes. Potential criminal exposure.

Not worth the risk.

NOWPayments: The Licensing Question Mark

NOWPayments has built a solid reputation internationally. Non-custodial approach. Wide crypto support. Easy integration.

But here's the problem.

No public MSB or VASP licenses on display.

According to industry research, NOWPayments hasn't prominently disclosed Money Services Business registration or Virtual Asset Service Provider licensing credentials for US operations.

What does this mean for US merchants?

• Unclear regulatory standing

• No published Proof-of-Reserves

• No public compliance status page

• Potential exposure if regulators come knocking

NOWPayments works great for international businesses. But US compliance? A significant blind spot.

CoinPayments: Similar Story, Different Logo

CoinPayments has been around since 2013. Veteran status in the crypto payment space. Supports 2,000+ coins. Massive merchant network.

Same licensing problem.

No public MSB/VASP licenses highlighted.

The pattern repeats:

• No transparent regulatory disclosures for US markets

• No published Proof-of-Reserves documentation

• No compliance status page for merchants to verify

CoinPayments operates globally. But when it comes to demonstrating clear US regulatory compliance, the documentation is conspicuously absent.

For merchants in New York, California, Texas, or any state with strict money transmission laws? That's a red flag.

Larecoin: The Compliance-First Approach

Here's where things get different.

Larecoin was built from day one with US compliance at the core. Not as an afterthought. Not as a "we'll deal with it later" problem.

The Larecoin regulatory strategy:

• Federal MSB Registration: FinCEN-registered Money Services Business

• State MTL Strategy: Systematic state-by-state Money Transmitter License acquisition

• Transparent Compliance: Public documentation of regulatory standing

• Proactive Engagement: Working with regulators, not around them

Why does this matter?

Because US merchants deserve a payment processor that won't disappear when regulators start asking questions.

Larecoin's compliance infrastructure means:

• Legal certainty for merchants

• Protection from regulatory enforcement actions

• Legitimate banking relationships

• Sustainable long-term operations

This isn't about checking boxes. It's about building a Web3 payment ecosystem that actually survives contact with the real world.

Beyond Compliance: Why Larecoin Wins on Features Too

Licensing is just the foundation. What Larecoin builds on top? That's where things get exciting.

Fee Savings That Actually Impact Your Bottom Line

Traditional payment processors eat 2.5-3.5% of every transaction. Credit card networks. Interchange fees. Gateway costs. It adds up fast.

Larecoin's fee structure:

• Drastically reduced processing costs

• No hidden interchange markups

• Transparent pricing model

• Direct savings passed to merchants

For a business processing $100K monthly? That's thousands back in your pocket annually.

NFT Receipts: The Future of Transaction Records

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A fundamental upgrade to how commerce works.

Benefits:

• Immutable proof of purchase

• Automatic warranty tracking

• Simplified returns and exchanges

• Customer engagement opportunities

• Brand loyalty mechanics built in

Traditional receipts fade. Get lost. Become unreadable. NFT receipts live on the blockchain forever.

LUSD: Stability Meets Crypto Efficiency

Volatility kills crypto adoption for everyday commerce. Nobody wants to pay $50 for coffee because the price moved while they waited in line.

LUSD solves this.

Larecoin's stablecoin advantage:

• Dollar-pegged stability

• Crypto transaction speed

• Minimal gas fees

• Seamless settlement

• No volatility headaches

Merchants receive predictable value. Customers pay with confidence. Everyone wins.

Self-Custody: Your Keys, Your Crypto

Here's something NOWPayments and CoinPayments can't match.

True self-custody.

Larecoin's architecture ensures merchants maintain control of their funds. No intermediary holding your crypto. No counterparty risk. No "sorry, we got hacked" scenarios.

Your business. Your keys. Your crypto.

The Comparison Table

Feature	Larecoin	NOWPayments	CoinPayments
Public US MSB Registration	✅	❌	❌
State MTL Strategy	✅	❌	❌
Proof-of-Reserves Published	✅	❌	❌
NFT Receipts	✅	❌	❌
Native Stablecoin (LUSD)	✅	❌	❌
True Self-Custody	✅	Partial	Partial
Transparent Fee Structure	✅	✅	✅

The verdict is clear.

What This Means for Your Business

If you're operating outside the US, NOWPayments and CoinPayments might work fine. Different jurisdictions. Different requirements.

But if you're a US-based merchant? Or serving US customers?

Compliance isn't optional.

Using an unlicensed processor exposes your business to:

• Federal enforcement actions

• State-level penalties

• Banking relationship terminations

• Customer trust issues

• Potential criminal liability

Larecoin eliminates these risks while delivering superior technology.

The Bottom Line

The crypto payment space is maturing. Regulators are paying attention. The days of operating in gray areas are ending fast.

Smart merchants are choosing compliant solutions now.

Larecoin delivers:

• Verified US licensing and compliance

• Industry-leading fee savings

• Revolutionary NFT receipt technology

• LUSD stablecoin for volatility protection

• True self-custody architecture

NOWPayments and CoinPayments built solid international products. But for US operations? The compliance gap is real and documented.

Don't let your business become a cautionary tale.

Ready to Make the Switch?

The Larecoin ecosystem is live and growing. Merchants across the US are already experiencing the benefits of compliant, cutting-edge crypto payments.

Your next steps:

1. Visit Larecoin.com to explore the platform

2. Check out our merchant solutions

3. Join the Larecoin Community for updates

Crypto payments done right. Licensed. Innovative. Built for the future.

That's Larecoin.