LUSD Stablecoin vs Traditional Crypto Payments: Which Is Better for Your Merchant Account?

You're accepting crypto. Smart move.

But here's the thing: not all crypto payment solutions are created equal. The processor you choose directly impacts your bottom line, your autonomy, and your long-term financial independence.

Traditional crypto payment processors like NOWPayments and CoinPayments have dominated the space. They're familiar. They're "trusted." But they come with strings attached.

Then there's LUSD: Larecoin's stablecoin built for merchants who want more control, fewer fees, and actual ownership of their revenue.

Let's break down what really matters for your merchant account.

The Hidden Cost of Traditional Crypto Processors

Here's what most merchants don't realize until it's too late.

Platforms like NOWPayments and CoinPayments charge percentage-based fees on every transaction. Sounds reasonable, right?

Think again.

That 1-2% fee on every sale adds up fast. Running $50,000 in monthly volume? You're bleeding $500-$1,000 every single month. That's $6,000-$12,000 annually: gone.

But wait. It gets worse.

• Conversion spreads quietly eat into your revenue

• Withdrawal limits restrict access to your own money

• Platform fees stack on top of transaction fees

Traditional processors don't just charge you. They hold your funds hostage behind their terms and conditions.

LUSD's Gas-Only Fee Model: Keep What You Earn

LUSD flips the script entirely.

No percentage-based fees. No hidden spreads. No middlemen skimming your profits.

You pay gas fees only: typically pennies per transaction on efficient networks.

Do the math on that $50,000 monthly volume again. Instead of losing hundreds (or thousands), you're keeping virtually everything. The difference compounds month after month.

Why gas-only matters:

• Predictable, transparent costs

• Scales infinitely without fee increases

• No surprises on your monthly statements

High-volume merchants see the biggest gains. But even small operations benefit from knowing exactly what each transaction costs: before it happens.

Self-Custody: Your Funds, Your Rules

This is where things get serious.

Traditional crypto payment processors operate on a custodial model. They hold your funds. They control the keys. They decide when you can withdraw.

Sound familiar? It should. That's exactly how traditional banks work.

LUSD takes a fundamentally different approach with self-custody Smart Wallets.

Your keys. Your coins. Your rules.

What self-custody actually means for merchants:

• No third party can freeze your account

• No withdrawal limits: ever

• No waiting periods to access your revenue

• No platform shutdowns affecting your funds

Remember when exchanges froze withdrawals during market volatility? Remember when platforms went under and merchants lost everything?

Self-custody eliminates those risks entirely.

You're not "storing" funds with Larecoin. You're using a decentralized protocol that respects your financial sovereignty.

NFT Receipts: Tax Compliance Made Automatic

Every merchant dreads tax season.

Reconciling transactions across multiple platforms. Hunting down receipts. Hoping your records match what the IRS expects.

LUSD solves this with NFT-based transaction receipts.

Every transaction automatically generates:

• Timestamped proof of payment

• Immutable on-chain records

• Instant verification for audits

No manual reconciliation. No spreadsheet nightmares. No "lost" documentation.

Your accountant will thank you. Your auditors will have nothing to question.

Traditional crypto processors? They give you CSV exports and hope for the best. Some don't even provide adequate documentation for international tax requirements.

NFT receipts aren't just convenient: they're audit-proof by design.

NOWPayments vs CoinPayments vs LUSD: The Real Comparison

Let's get specific.

NOWPayments

• Percentage-based fees on all transactions

• Custodial model: they hold your funds

• Multiple cryptocurrency support

• Fiat conversion available (with additional fees)

• Withdrawal minimums apply

NOWPayments works for merchants who prioritize simplicity over savings. You're paying for convenience.

CoinPayments

• 0.5% fee on incoming transactions

• Additional fees for conversions and withdrawals

• Custodial vault system

• Multi-crypto support

• Monthly volume limits on certain plans

CoinPayments offers competitive rates compared to other traditional processors. Still custodial. Still percentage-based. Still limiting.

LUSD (Larecoin)

• Gas-only fees: no percentages

• Full self-custody via Smart Wallets

• NFT receipts for automated compliance

• Algorithmic stability: no centralized reserve risk

• No withdrawal limits or waiting periods

The choice depends on what you value most.

Prioritize convenience? Traditional processors handle more of the technical work.

Prioritize profit retention and independence? LUSD delivers both.

The Stability Question: How LUSD Maintains Its Peg

Stablecoin skeptics have a valid concern.

How do you know LUSD won't depeg like algorithmic stablecoins have in the past?

LUSD uses a dual-mechanism approach:

1. Stability Pool – Absorbs volatility through incentivized participation

2. Redemption System – Market arbitrage naturally corrects price deviations

No centralized reserve means no single point of failure. No custodial entity that regulators can shut down or freeze.

Compare this to USDT and USDC. Both require trusting that centralized companies maintain actual dollar reserves. Both have faced regulatory scrutiny. Both can freeze individual wallets.

LUSD's algorithmic approach eliminates third-party trust requirements entirely.

Settlement Speed: Everyone's Fast Now

One advantage traditional crypto payments legitimately offer? Speed.

But here's the truth: LUSD matches it.

Both traditional crypto processors and LUSD settle transactions almost instantly. We're talking minutes, not the 3-5 business days of traditional banking.

24/7 settlement. No weekends. No holidays. No bank hours.

Borderless transfers work the same way across both systems. Your customer in Tokyo pays the same speed as your customer in Toronto.

Settlement speed isn't a differentiator anymore. It's table stakes.

Which Is Actually Better for Your Merchant Account?

Let's be direct.

Choose traditional processors (NOWPayments, CoinPayments) if:

• You process modest transaction volumes

• You prefer someone else handling technical complexity

• You're okay trading fees for simplicity

• You don't mind custodial control of your funds

Choose LUSD if:

• You process high volumes and feel those percentage fees

• You want true ownership of your revenue

• You value financial independence over convenience

• You need bulletproof tax documentation

• You're building for the decentralized future

Most merchants start with traditional processors because they're familiar. The smart ones graduate to LUSD once they calculate what those percentage fees actually cost annually.

Making the Switch

Transitioning isn't complicated.

LUSD integrates with existing merchant workflows. Self-custody doesn't mean self-complication.

The learning curve exists: but so does the payoff. Merchants who embrace decentralized payments position themselves ahead of regulatory changes, platform risks, and fee inflation.

Your competitors are still paying percentage fees. Still waiting for withdrawal approvals. Still trusting custodial platforms with their revenue.

You don't have to.

Ready to explore what LUSD can do for your merchant account?

Check out Larecoin's crypto ecosystem or join the conversation in the Larecoin Community.

Merchant freedom isn't coming. It's here.