Larecoin vs. NOWPayments: Why Self-Custody is the Ultimate Merchant Power Move

Stop paying the "middleman tax."

In the old world, banks took 3%. In the "new" crypto world, custodial gateways like NOWPayments and CoinPayments are doing the exact same thing. They wrap themselves in a Web3 flag but keep the same centralized logic.

If you don't own your keys, you don't own your revenue. It’s that simple.

Larecoin is changing the game. We aren't just another processor. We are a self-custody powerhouse designed to give merchants back their financial sovereignty.

Here is why switching to Larecoin is the smartest move your business will make in 2026.

The Custodial Lie: Why NOWPayments and CoinPayments Hold You Back

Most merchants start with custodial gateways because they look easy.

You sign up. You get a dashboard. You start accepting Bitcoin.

But there’s a catch. A big one.

When a customer pays you through NOWPayments, that money doesn't go to you. It goes to them. You have to wait for a settlement. You have to pay a withdrawal fee. You have to ask permission to move your own capital.

That isn't Web3. That's just a bank with a logo change.

The "Convenience" Tax

NOWPayments charges anywhere from 0.5% to 1% per transaction. On top of that, you deal with network fees and withdrawal fees.

If you are doing $1 million in annual volume, you are handing over $10,000 just for the "privilege" of using their platform.

CoinPayments does the same. They sit in the middle of your transaction flow, skimming off the top and adding friction to your cash flow.

Larecoin: The Self-Custody Revolution

Larecoin operates on a different philosophy.

We believe in Self-Custody.

With a Larecoin merchant account, the funds go directly from the customer’s wallet to your wallet. No middleman. No holding period. No "pending" status.

You control the keys. You control the capital.

Slashing Interchange Fees by 50%+

By removing the intermediary, we slash your overhead. Larecoin leverages the Solana blockchain.

What does that mean for your bottom line?

• NOWPayments: 1% Fee + Network Fees + Withdrawal Fees.

• Larecoin: $0 Platform Fee + Gas Only.

On Solana, gas fees are roughly $0.00025 per transaction. Whether you are selling a $5 coffee or a $5,000 watch, the cost is the same.

Check out our guide to reducing merchant interchange fees to see the full breakdown of how Web3 is solving the 3% problem.

Speed Kills (The Competition)

In retail, speed is everything.

Waiting 5 to 10 minutes for a Bitcoin confirmation while a customer stands at the counter is a nightmare. NOWPayments and other custodial gateways often have internal processing times that slow this down even further.

Larecoin is built for the speed of now.

Because we are integrated with the Solana blockchain, we offer sub-second finality.

The moment the customer hits "send," the money is in your wallet. It’s faster than a credit card swipe and infinitely more secure.

NFT Receipts: The Future of Post-Purchase Utility

Why settle for a paper receipt or a boring email?

Every transaction on the Larecoin ecosystem generates an NFT Receipt.

This is an immutable, blockchain-verified record of the purchase. For merchants, it’s an accounting dream. For customers, it’s a digital collectible, a warranty, or a proof-of-authenticity all rolled into one.

Imagine a world where your customers can show their NFT receipt in the Metaverse to unlock exclusive digital gear. Or use it as a ticket for a real-world event.

That is the power of the Larecoin ecosystem.

LUSD: Stability Without the Bull

Volatility is the biggest excuse merchants use to avoid crypto.

Larecoin solves this with LUSD.

LUSD is our stablecoin. It maintains a 1:1 peg with the US Dollar.

When you accept payments in LUSD, you get the speed and low cost of crypto with the stability of fiat. You don't have to worry about your morning sales losing 10% of their value by lunchtime.

You get paid in a currency that holds its value, and because it’s on-chain, you can put that LUSD to work immediately in DeFi pools or yield farming.

The Larecoin.ai Edge: AI-Driven Payments

We aren't just about moving tokens. We are about moving them intelligently.

Larecoin.ai integrates machine learning into the payment flow.

Our AI tools help merchants:

• Identify purchasing trends.

• Optimize liquidity management.

• Automate cross-chain bridging.

If you are a merchant processing $100,000 or more, you need the analytical power that only Larecoin.ai provides. We are bridging the gap between high-level data science and everyday commerce.

Comparing the Numbers: The Merchant Reality

Let's look at a merchant processing $5,000,000 a year.

Feature	NOWPayments	Larecoin
Annual Fees	$25,000 - $50,000	~$250 (Gas)
Settlement Time	5-20 Minutes	< 1 Second
Custody	Custodial (They hold it)	Self-Custody (You hold it)
Receipts	Email	NFT Receipt
Stability	Third-party Stablecoins	Native LUSD Integration

The choice is obvious. Why would you give away $50,000 a year for a service that actually gives you less control over your money?

Hundreds of merchants are already making the switch. You can read more about why 500+ merchants ditched NOWPayments for self-custody on our blog.

Financial Sovereignty is a Choice

The transition from Web2 to Web3 isn't just about using new tech. It’s about a change in mindset.

Custodial services like NOWPayments and CoinPayments are "Web 2.5." They use the blockchain but keep the old power structures.

Larecoin is true Web3.

When you choose Larecoin, you are choosing:

1. Lower Costs: Keep your margins.

2. Higher Speed: No more waiting for "confirmations."

3. Total Control: Your keys, your crypto, your business.

4. Innovation: NFT receipts and Larecoin.ai insights.

Join the Marathon

This post is part of our 10-year Larecoin marathon. We are committed to solving real-world payment problems one transaction at a time.

Whether you are selling physical goods, digital services, or building in the Metaverse, Larecoin is the infrastructure you’ve been waiting for.

Stop being a guest in someone else’s payment gateway. Become the master of your own financial destiny.

Ready to Level Up?

Setting up a Larecoin merchant account is fast, secure, and future-proof.

Don't let legacy fees eat your profits. Move to the Solana-powered ecosystem that prioritizes your growth.

Let's Chat! Join our community and talk directly with the team. Larecoin Community Discussion

Start Scaling Today. Visit Larecoin.com and integrate the ultimate merchant power move.

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Larecoin: Global Payments. Real Utility. Total Sovereignty.