Looking For a CoinPayments Alternative? Here Are 10 Things You Should Know About Receivables Tokens

CoinPayments charges you to hold your money. Then charges you again to move it. Then takes days to settle.

There's a better way.

Receivables tokens flip the entire payment processor model on its head. No middleman custody. No settlement delays. No frozen accounts.

Let's break down exactly what makes receivables tokens the smarter alternative for merchants tired of traditional crypto payment processors.

What Are Receivables Tokens Anyway?

Think of receivables tokens as digitized payment rights living on a blockchain.

When a customer pays you, you instantly receive a token representing that payment. Not a promise to pay. Not a pending transaction. An actual tradeable digital asset you control.

CoinPayments holds your funds in their system. Routes them through their infrastructure. Takes their cut. Then maybe sends you what's left.

Receivables tokens eliminate that entire chain of custody issues.

1. Instant Liquidity Destroys Settlement Delays

CoinPayments makes you wait 3-5 business days for ACH settlements. NOWPayments has similar delays for fiat conversions.

Receivables tokens give you access to funds the second a transaction hits the blockchain.

No banking hours. No business days. No settlement windows.

The moment your customer pays, you can trade that token, use it as collateral, or convert it to LUSD stablecoins. Instant liquidity beats waiting around for some payment processor to decide when you can access your own money.

This matters for cash flow. Small businesses live or die on timing. Three-day delays can mean missing supplier payments or losing early payment discounts.

2. Blockchain Verification You Can Actually Trust

Every receivables token exists as a verified digital asset on an immutable blockchain ledger.

CoinPayments shows you a dashboard. You trust their database. You hope their accounting is accurate.

With receivables tokens, you verify directly on-chain. Every transaction. Every balance. Every movement. The blockchain doesn't lie.

This creates a permanent record that no payment processor can alter, delete, or dispute. Your transaction history becomes mathematically certain rather than dependent on a company's internal record-keeping.

3. Self-Custody Means You Actually Own Your Money

Here's where CoinPayments and similar platforms fundamentally fail merchants.

They control your private keys. They custody your assets. They decide when and if you can withdraw.

Receivables tokens flip this completely.

You hold your wallet keys. You control your assets. Nobody can freeze your account or lock you out.

Larecoin's ecosystem builds on this principle. Your receivables tokens live in your self-custody wallet. Move them whenever you want. Trade them whenever you want. No permission required.

4. Fee Structures That Don't Bleed You Dry

CoinPayments charges interchange fees ranging from 1.5% to 3.5%. Plus processor fees. Plus gateway fees. Plus compliance costs.

It adds up fast.

Receivables tokens eliminate intermediary processing fees. You pay blockchain gas fees. That's it.

On efficient networks, gas fees run pennies per transaction. Compare that to CoinPayments taking 0.5% plus $0.25 per transaction at their cheapest tier.

Do the math on $100,000 in monthly transactions. CoinPayments takes $750 minimum. Receivables tokens cost you maybe $20 in gas fees.

That's real money staying in your business instead of funding payment processor overhead.

5. Secondary Market Trading Opens New Liquidity Options

Traditional payment processors lock you into their ecosystem. Want your money faster? Pay extra for expedited settlement.

Receivables tokens trade on secondary markets.

Need immediate cash? Sell your receivables tokens at a small discount to instant buyers. No waiting. No begging CoinPayments for faster processing.

This creates market-driven liquidity. Multiple buyers compete for your receivables. You choose the best terms.

The flexibility matters more than most merchants realize. When you need cash NOW, having options beats being stuck in someone else's settlement queue.

6. Collateralization Unlocks Hidden Working Capital

CoinPayments receivables sit in their system. You can't do anything with pending settlements except wait.

Receivables tokens function as collateral.

Need a short-term loan? Use your receivables tokens as collateral in DeFi protocols. Borrow LUSD stablecoins against your upcoming receivables. Pay it back when the customer payment clears.

Traditional finance would never let you do this with pending credit card settlements. Web3 makes it standard.

This turns your receivables into productive assets rather than dead money waiting in someone else's account.

7. Audit Trails That Actually Make Accounting Easy

CoinPayments sends you monthly statements. PDFs. CSV exports. Information scattered across their interface.

Reconciling becomes a nightmare. Tax time means manually matching transactions to their system's reporting.

Receivables tokens create immutable, timestamped records automatically.

Every transaction lives on-chain. Permanent. Verifiable. Auditable by anyone with blockchain access.

Your accountant can verify everything independently. No trusting CoinPayments' internal databases. No disputes about what happened when.

This streamlines audits and generates compliance documentation automatically. The blockchain becomes your single source of truth.

8. Smart Contract Automation Eliminates Manual Processing

CoinPayments requires manual configuration. Support tickets for special cases. Human intervention for disputes.

Receivables tokens use smart contracts.

Set your payment terms once. The smart contract enforces them automatically. No manual processing. No payment processor deciding how to interpret your rules.

Customer pays? Token mints instantly. Payment fails? Smart contract handles it. Refund needed? Execute the predefined refund function.

Automation reduces errors. Speeds up processing. Removes human bottlenecks from your payment flow.

9. Multi-Currency Settlement Without Platform Restrictions

CoinPayments supports multiple cryptocurrencies. Then limits how you can use them within their platform. Want to settle in something they don't fully support? Too bad.

Receivables tokens accept payment in any digital asset.

Customers pay in Bitcoin. Ethereum. LARE tokens. LUSD stablecoins. Whatever works for them.

You choose how to receive it. Convert to LUSD for stability. Hold native tokens for appreciation. Mix and match based on your needs.

The multi-currency flexibility happens at the protocol level, not the platform level. No company decides which currencies you're allowed to accept or how you're allowed to hold them.

10. Zero Platform Freeze Risk Protects Your Business

CoinPayments can freeze your account. Lock your funds. Delay withdrawals pending investigation.

It happens more than merchants want to admit. Suspicious activity flags. Compliance reviews. Terms of service violations real or imagined.

Receivables tokens eliminate this risk entirely.

No platform controls your assets. No company can freeze your wallet. No terms of service govern access to your own money.

You maintain direct control. Bad actors can't steal from you because you hold the keys. Good businesses can't be arbitrarily locked out because there's no central authority to do the locking.

This protection matters most when you least expect it. When business is good and revenue flows, platform freezes can devastate operations overnight.

The Larecoin Advantage

Larecoin built its entire ecosystem around receivables tokens and merchant freedom.

No custody of your funds. No settlement delays. No hidden fees eating your margins.

NFT receipts for every transaction. LUSD stablecoin integration for merchants wanting price stability. Gas-only transfers keeping costs at absolute minimums.

Compare the full breakdown to CoinPayments and see the difference yourself.

Making the Switch

CoinPayments works fine if you enjoy paying fees for the privilege of waiting to access your own money.

Receivables tokens work better if you prefer instant liquidity, self-custody, and keeping those fees in your business.

The choice isn't complicated. Traditional payment processors extract value. Receivables tokens preserve it.

Smart merchants are making the switch. The question isn't whether to move to receivables tokens. It's how fast you want to start keeping more of what you earn.

Learn more about Larecoin and start accepting payments the way Web3 intended: fast, cheap, and completely under your control.