Merchant Freedom Secrets Revealed: What NOWPayments and CoinPayments Don't Want You to Know About Self-Custody

Here's the uncomfortable truth.

Most crypto payment processors talk about decentralization. Freedom. Control. But when you peek behind the curtain? Same old game. Different players.

NOWPayments and CoinPayments have built empires on merchants who don't ask enough questions. That changes today.

Let's expose what's really happening with your funds.

The Custody Shell Game

Every merchant payment processor falls into one of two camps:

• Custodial – They hold your money. You trust them.

• Non-custodial – You hold your money. You trust yourself.

Sounds simple. It's not.

CoinPayments operates as a managed financial service. Translation? They control your assets. They handle compliance. They dictate terms. Your crypto sits in their wallets until they decide you can access it.

NOWPayments claims non-custodial status. Customers send crypto to deposit addresses. Withdrawals happen in your chosen cryptocurrency. Sounds perfect, right?

Not quite.

The Fine Print Nobody Reads

NOWPayments' "non-custodial" model comes with strings attached.

• You manage your own security. Completely.

• Wallet management falls on you. Entirely.

• Operational governance? Your problem.

• Compliance workflows? Figure it out yourself.

For enterprise merchants with dedicated crypto teams, this works. For the average business owner trying to accept crypto payments? Nightmare fuel.

CoinPayments takes the opposite approach. They handle everything. Convenient? Absolutely. But convenience costs you:

• Control – Your funds move when they say so

• Privacy – They know every transaction

• Sovereignty – You're back to asking permission

Neither option gives merchants what they actually need: true ownership with operational simplicity.

Why Self-Custody Matters More Than Ever

2025 changed everything.

Exchange collapses. Frozen accounts. Government seizures. Regulatory crackdowns.

Merchants learned the hard way: if you don't hold the keys, you don't own the crypto.

Self-custody isn't a feature. It's a requirement.

Here's what real self-custody delivers:

• Instant settlement – No waiting for processor approval

• Zero counterparty risk – No third party can freeze your funds

• Complete transparency – Every transaction verifiable on-chain

• True financial sovereignty – Your money. Your rules.

NOWPayments offers partial self-custody. CoinPayments offers none. Both models leave merchants exposed in ways they don't advertise.

The Interchange Fee Scam

Let's talk money.

Traditional payment processors charge merchants 2.5% to 3.5% per transaction. Credit card networks take their cut. Banks take their cut. Everyone eats except you.

Crypto was supposed to fix this. Did it?

NOWPayments charges 0.5% to 1% on transactions. CoinPayments takes similar fees plus withdrawal costs. Add conversion fees. Network fees. Hidden charges buried in terms of service.

That "cheap" crypto payment suddenly costs 1.5% to 2.5%.

Better than Visa? Sure. Revolutionary? Hardly.

Larecoin's Approach: Slash Fees by 50%+

Larecoin built something different.

Our ecosystem reduces effective interchange fees by more than half compared to legacy crypto processors. Here's how:

• Direct wallet integration – No intermediary touching your funds

• LUSD stablecoin settlement – No volatility eating your margins

• Gas-optimized transfers – Minimal network costs

• Zero withdrawal fees – Your money moves when you move it

Merchants using Larecoin keep more revenue. Period.

The math is simple. If you process $100,000 monthly:

Processor	Effective Fee	Annual Cost
CoinPayments	~2%	$24,000
NOWPayments	~1.5%	$18,000
Larecoin	~0.7%	$8,400

That's $9,600 to $15,600 back in your pocket annually. At scale, these numbers transform business viability.

NFT Receipts: The Utility Revolution

Paper receipts die in pockets. Email receipts drown in spam folders. Digital receipts disappear when companies fold.

NFT receipts change everything.

Every Larecoin transaction generates an on-chain receipt stored in the customer's wallet. Immutable. Permanent. Verifiable.

Why this matters for merchants:

• Warranty claims simplified – Customer proves purchase instantly

• Returns verified – No fake receipt fraud

• Loyalty integration – Receipt doubles as membership proof

• Tax documentation – Permanent records for compliance

Why this matters for customers:

• Proof of ownership – Resale verification built-in

• Collection value – Limited purchase receipts become collectible

• Portfolio tracking – All purchases in one wallet view

NOWPayments doesn't offer NFT receipts. CoinPayments doesn't either. They're stuck in Web2 thinking while pretending to be Web3 companies.

LUSD: Stability Without Surrender

Crypto volatility kills merchant adoption.

Accept $100 in Bitcoin. Price drops 15% overnight. You just lost $15. Repeat this daily and watch your margins evaporate.

Most processors offer instant conversion to fiat. Problem solved? No. Problem shifted.

Instant conversion means:

• Conversion fees eating 1-2%

• Bank transfer delays of 3-5 days

• Back to traditional banking with all its restrictions

LUSD provides a third path.

Larecoin's stablecoin maintains dollar parity without fiat conversion. Funds stay in your self-custody wallet. No volatility. No conversion fees. No bank delays.

Settlement happens in seconds. Funds remain spendable instantly. You maintain complete control.

This is what actual merchant freedom looks like.

The Compliance Question

"But what about regulations?"

Fair question. Here's the reality:

CoinPayments handles compliance by controlling everything. Their compliance. Their rules. Their ability to freeze accounts based on their interpretation of laws.

NOWPayments shifts compliance responsibility entirely to merchants. You handle KYC. You manage AML. You face regulatory scrutiny alone.

Larecoin offers a balanced approach:

• Built-in compliance tools without custodial control

• Optional KYC integration for merchants who need it

• Geographic flexibility respecting local requirements

• Self-custody maintained regardless of compliance layer

You get regulatory peace of mind without surrendering sovereignty.

Real Merchants. Real Results.

Abstract benefits mean nothing. Concrete results matter.

Merchants in the Larecoin ecosystem report:

• 43% reduction in payment processing costs

• Settlement times under 30 seconds versus 3-5 day bank transfers

• Zero frozen accounts in our operational history

• Customer satisfaction increases from NFT receipt transparency

These aren't projections. These are operational metrics from businesses processing real transactions daily.

Making the Switch

Transitioning from NOWPayments or CoinPayments to Larecoin takes less than a day.

Step 1: Visit Larecoin and explore the merchant portal

Step 2: Connect your existing wallet or generate a new self-custody solution

Step 3: Integrate payment widgets into your existing checkout flow

Step 4: Start accepting crypto with true ownership

No long contracts. No hidden fees. No custody games.

The Bottom Line

NOWPayments and CoinPayments served a purpose. They introduced merchants to crypto payments when alternatives didn't exist.

That era ended.

Self-custody with operational simplicity isn't a dream anymore. Fee reduction exceeding 50% is achievable today. NFT receipts and LUSD stablecoin settlement represent the actual future of merchant payments.

The question isn't whether to adopt Web3 payments.

The question is whether you'll accept outdated solutions from processors protecting their own interests, or embrace platforms built for merchant sovereignty from day one.

Your funds. Your keys. Your business.

That's not a marketing slogan. That's Larecoin.

Ready to experience real merchant freedom? Join the ecosystem and see what they've been hiding from you.