Looking for a Triple-A or CoinPayments Alternative? How Larecoin's Receivables Token Slashes Interchange Fees by 50%

Let's talk about interchange fees. The silent killer of merchant margins.

You're running a business. Accepting crypto payments. Feeling pretty Web3-forward. Then you check your processor statements. 2.5% here. 3% there. Network fees stacking up. Suddenly that "revolutionary" payment solution feels a lot like Visa with extra steps.

Triple-A charges you. CoinPayments takes their cut. NOWPayments? Same story, different branding.

What if there was a way to slash those fees in half? Not through some gimmick. Through actual infrastructure redesign.

Enter Larecoin's receivables token model.

The Problem With Traditional Crypto Payment Processors

Here's what most crypto payment gateways don't want you to know. They're essentially middlemen wearing blockchain costumes.

CoinPayments supports 2,000+ cryptocurrencies. Sounds impressive. But you're still paying fees on every transaction. Still waiting for settlements. Still trusting a third party with your funds.

Triple-A offers enterprise solutions. Great. But their commission structures eat into your margins faster than you'd expect. Cryptomus claims 0.4% fixed rates. DePay charges 1.5% per transaction. NOWPayments touts non-custodial features but still takes their piece.

The common thread? You're always paying someone to move your money.

That's the legacy finance model dressed in crypto clothing.

What Makes Larecoin Different? The Receivables Token Explained

Larecoin isn't just another payment processor. It's a complete ecosystem rebuild.

The core innovation? A receivables token that represents actual transaction value. Not IOUs. Not promises. Real, verifiable receivables tokenized on-chain.

Here's how it works:

LARE functions as the ecosystem's native token. It powers everything from staking to governance.

LUSD is the stablecoin component. Pegged value. Minimal volatility. Perfect for merchants who don't want to wake up to 15% swings overnight.

LarePAY handles the payment rails. Think of it as the highway your transactions travel on.

LareBlocks provides the infrastructure backbone. Settlement. Verification. The boring-but-essential stuff that makes everything work.

The result? A system where interchange fees drop by roughly 50% compared to traditional processors.

No magic. Just better architecture.

Breaking Down the 50% Fee Reduction

Let's get specific. Because numbers matter more than marketing speak.

Traditional crypto processors typically charge:

• Transaction fees: 0.5% to 1.5%

• Network fees: Variable (sometimes brutal during congestion)

• Settlement fees: Often hidden

• Conversion fees: 0.5% to 1% when converting to fiat

Stack all that together. You're looking at 2% to 4% per transaction minimum. Sometimes higher.

Larecoin's receivables token model eliminates most of these through:

Gas-only transfers. The token is designed for minimal network costs. No bloated smart contracts eating your margins.

Direct settlement. No intermediary holding periods. Your funds move faster.

Built-in stablecoin (LUSD). Skip the conversion fees entirely. Accept. Hold. Spend. Simple.

Self-custody by default. No custodial fees because there's no custodian. Your keys. Your crypto. Your business.

The math is straightforward. Cut out the middlemen. Cut the fees in half.

Self-Custody: Why It Actually Matters

Here's where most merchants get nervous. "Self-custody sounds scary. What if I lose my keys?"

Fair concern. Bad excuse.

The Larecoin Smart Wallet was designed for businesses, not just crypto natives. Think of it as your treasury management system with blockchain benefits.

Multi-signature support. Require multiple approvals for large transactions. No single point of failure.

Recovery options. Modern wallet recovery that doesn't require memorizing 24 random words. (Though you can still do that if you're old school.)

Real-time balances. See exactly what you have. Across all tokens. All chains. One dashboard.

Push-to-card functionality. Need fiat? Push directly to your debit card. Skip the exchange. Skip the wait.

Self-custody isn't just a security feature. It's a cost feature. No one charging you to hold your own money. Revolutionary concept, apparently.

NFT Receipts: Tax Season Just Got Easier

Okay, this is where things get genuinely innovative.

Every transaction through LarePAY generates an NFT receipt. On-chain. Immutable. Time-stamped.

Why does this matter?

Accounting automation. Your bookkeeper can pull transaction records directly from the blockchain. No more reconciling spreadsheets.

Tax compliance. Every receipt is verifiable. Every transaction traceable. Auditors can verify without you digging through email archives.

Dispute resolution. Customer claims they never received their order? Here's the NFT receipt showing exactly when the payment settled and the goods shipped.

No more lost paperwork. Physical receipts fade. Email gets deleted. Blockchain receipts exist forever.

It's not a gimmick. It's infrastructure that actually solves real business problems.

QR-Generated POS: Accept Crypto Anywhere

Don't have a fancy POS terminal? Don't need one.

Larecoin's QR-generated point-of-sale works on any device. Phone. Tablet. Laptop. That ancient desktop in the back office. If it can display a QR code, it can accept payments.

How it works:

1. Set the transaction amount

2. Generate a unique QR code

3. Customer scans with their wallet

4. Payment settles in seconds

5. NFT receipt generated automatically

No hardware costs. No integration headaches. No monthly terminal fees.

Pop-up shop at a weekend market? Covered.

Running a food truck? Covered.

E-commerce checkout? Same system. Different interface.

The QR solution scales from solo entrepreneurs to multi-location enterprises. Same infrastructure. Same low fees.

How Larecoin Stacks Up Against Competitors

Let's compare directly. Because you should know your options.

NOWPayments:

• Supports 300+ cryptocurrencies

• Non-custodial options available

• Standard processing fees apply

• No NFT receipt system

• No integrated stablecoin

CoinPayments:

• Massive currency support (2,000+)

• Established since 2013

• Custodial by default

• Complex fee structure

• Traditional receipt system

Triple-A:

• Enterprise-focused

• Strong compliance features

• Higher fee brackets for smaller merchants

• Fiat settlement delays

• Minimal DeFi integration

Larecoin:

• Receivables token model

• 50% lower interchange fees

• Self-custody Smart Wallet

• NFT receipts for accounting/tax

• LUSD stablecoin integration

• QR-generated POS

• LareBlocks infrastructure

Different tools for different needs. But if fee reduction and self-custody matter to your business, the choice becomes obvious.

Getting Started With Larecoin

Ready to cut your payment processing costs in half?

Here's the path forward:

The crypto payments space is crowded with processors who promise innovation while delivering the same old fee structures.

Larecoin built something different. A receivables token that actually reduces costs. Self-custody that doesn't sacrifice usability. NFT receipts that solve real accounting problems.

Fifty percent lower fees. That's not marketing. That's math.

Your move.