LUSD Stablecoin Benefits Explained in Under 3 Minutes: Gas-Only Transfers, Push-to-Card, and Why Merchants Are Ditching Legacy Rails

What Is LUSD? The Basics You Need to Know

LUSD is a decentralized USD-pegged stablecoin backed by ETH collateral at a 245% overcollateralization ratio.

Translation: Every dollar of LUSD has $2.45 worth of Ethereum backing it.

No centralized custodian. No freeze risk. No banking partner pulling the plug.

It's what merchants actually want when they say "stablecoin payments."

Gas-Only Transfers: The Real Game Changer

Traditional payment processors charge percentage-based fees.

2.9% + $0.30 for credit cards.

3.5-5% for international wire transfers.

1.5-3% for ACH processing.

LUSD? Just the network gas fee. That's it.

No hidden markups. No intermediary cuts. No "processing fees" that mysteriously appear on your statement.

50%+ fee savings compared to traditional processors and most crypto payment options.

A $10,000 transaction costs the same gas fee as a $10 transaction. The math makes legacy rails look absurd.

Why Merchants Are Actually Making the Switch

Instant Cross-Border Settlement

Customer in Tokyo pays a merchant in Miami. Same fee. Same settlement speed.

No 3-5 day ACH delays. No SWIFT network bureaucracy. No correspondent bank fees eating your margins.

Blockchain settlement runs 24/7. Global accessibility without asking permission.

Your Japanese customer sends LUSD at 2 AM on Sunday. You receive it at 2 AM on Sunday.

Banks can't compete with that.

Self-Custody Without the Hassle

Traditional processors batch settlements. They hold your funds. They require permission to access YOUR money.

LUSD payments flow directly to your wallet. No intermediary holding periods. No frozen accounts because some algorithm flagged your business category.

This matters for:

• International merchants blocked by U.S. banking restrictions

• High-risk categories (supplements, gaming, adult content)

• Businesses tired of arbitrary account freezes

You control the keys. You control the funds. Simple.

NFT Receipts: More Than a Gimmick

Every transaction generates an NFT receipt.

Sounds trendy. Actually useful.

These serve as:

• Warranty proof buyers can't lose

• Event tickets with resale tracking

• Loyalty point trackers customers can trade

• On-chain audit trails accountants can verify

Your accounting team gets real-time visibility across sub-wallets. Administrative overhead drops 60-70%.

Tax season becomes less painful when every transaction lives on an immutable blockchain record.

Push-to-Card: Bridging Crypto and Traditional Banking

Here's the friction point everyone hits: customers have crypto, merchants need fiat for payroll and inventory.

Push-to-card services solve this instantly.

Accept LUSD payments. Convert to USD. Push directly to your Visa or Mastercard debit card.

No waiting for bank transfers. No navigating exchange interfaces. No wondering when you'll access your revenue.

The technology works like this:

1. Customer pays in LUSD

2. System converts to USD at market rate

3. Funds hit your card within minutes

4. You spend like any debit transaction

Traditional merchant accounts can't touch this speed.

The Regulatory Compliance Advantage

"But what about regulations?"

Larecoin's LUSD implementation includes federal MSB registration plus state-level MTL coverage across the U.S.

You're not operating in a gray area. You're using a compliant payment rail that happens to be significantly cheaper and faster.

Regulators care about:

• KYC/AML compliance ✓

• Transaction monitoring ✓

• Proper licensing ✓

• Consumer protection ✓

LUSD checks every box while slashing your costs.

Financial Inclusion: The Underrated Benefit

LUSD requires only a wallet address.

No government ID. No physical address. No bank account. No credit check.

Farmers in rural Kenya can receive stable payments from global customers. Freelancers in Argentina can invoice in a currency that won't lose 50% value in six months.

Your customer base expands to anyone with internet access.

Legacy payment processors explicitly exclude these markets. LUSD explicitly includes them.

That's billions of potential customers traditional rails ignore.

Real-World Cost Breakdown

Let's compare $100,000 in monthly revenue:

Traditional Credit Card Processing:

• 2.9% + $0.30 per transaction

• Average transaction: $100

• 1,000 transactions

• Fees: $2,900 + $300 = $3,200/month

LUSD Gas-Only Transfers:

• Gas fee: ~$0.50 per transaction (varies by network congestion)

• 1,000 transactions

• Fees: $500/month

Savings: $2,700/month or $32,400/year

That's real money staying in your business instead of feeding payment processor shareholders.

The Master and Sub-Wallet System

Enterprise merchants need organization.

Larecoin's master and sub-wallet management lets you:

• Create departmental wallets

• Track revenue by product line

• Manage multi-location businesses

• Assign spending permissions by role

All visible in real-time on LareScan explorer.

Your CFO sees everything. Your store managers see their slice. Your accountant gets clean, categorized data.

Traditional payment processors charge extra for multi-location management. LUSD includes it by default.

NOWPayments and CoinPayments: How They Compare

Other crypto payment processors exist. Here's what they're missing:

NOWPayments:

• 0.5% fee on transactions

• Limited stablecoin options

• No integrated push-to-card

• No NFT receipt system

CoinPayments:

• 0.5% fee structure

• Complex withdrawal process

• No master/sub-wallet management

• Limited regulatory clarity

LUSD through Larecoin:

• Gas-only fees (no percentage)

• Purpose-built stablecoin integration

• Push-to-card included

• NFT receipts standard

• Full U.S. regulatory compliance

The choice becomes obvious when you map actual features.

The 1.5% Social Impact Transaction Tax

Every LUSD transaction through Larecoin includes a 1.5% charitable contribution.

This funds global impact projects. Clean water initiatives. Educational programs. Community development.

Your payment processing becomes corporate social responsibility.

Customers increasingly choose businesses aligned with their values. This gives you a story worth telling.

Getting Started: Simpler Than You Think

Onboarding takes minutes, not weeks.

Options include:

• Gift card purchases for instant wallet funding

• ACH transfers from traditional bank accounts

• Direct crypto deposits

• Push-to-card for immediate fiat conversion

No technical expertise required. No blockchain PhD needed.

If you can use a smartphone, you can accept LUSD payments.

Visit larecoin.com/pay to explore merchant tools.

The Bottom Line

Legacy payment rails charge percentage fees because they can.

LUSD charges gas fees because that's what the network requires.

Merchants are ditching 2-3% processing fees for gas-only transfers. They're gaining instant settlement. They're accessing global customers traditional processors exclude.

Push-to-card bridges the crypto-to-fiat gap. NFT receipts create accountability. Master wallet systems provide organization.

The technology isn't experimental anymore. It's operational.

The question isn't whether blockchain payments will replace traditional rails.

The question is how long you're willing to overpay while your competitors save 50%+ on transaction fees.

Ready to explore LUSD for your business? Check out Larecoin's merchant solutions and see the difference gas-only transfers make.