NFT Receipts, Self-Custody, and Real US Compliance: Why Larecoin Is the Web3 Payment Solution Merchants Actually Trust

Let's be real. Most crypto payment processors ask merchants to make a trade-off. Accept digital assets? Sure. But hand over custody of your funds. Deal with vague compliance. Hope your withdrawal goes through before the weekend.

That's not Web3. That's Web2 with extra steps.

Larecoin flips the script. NFT receipts. Full self-custody. Rigorous US compliance. And fee structures that actually make sense.

Here's why merchants are finally finding a crypto payment solution they can trust.

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The Problem With "Crypto Payment Solutions"

Most platforms in this space, think NOWPayments, CoinPayments, and similar players, operate on a custodial model. You accept crypto. They hold it. You request withdrawals. They approve (or don't).

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

The whole point of crypto was financial sovereignty. Direct peer-to-peer transactions. No middlemen sitting on your money.

Yet here we are. Merchants accepting crypto through platforms that:

• Hold funds in their own wallets

• Impose withdrawal delays

• Freeze accounts without warning

• Charge fees on top of fees

The irony is thick.

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Self-Custody: Your Money Goes to Your Wallet. Period.

Larecoin operates on a full self-custody model. This isn't marketing speak. It's architecture.

When a customer pays, those funds hit your wallet immediately. Not Larecoin's wallet. Not a holding account. Yours.

What this means for merchants:

• Zero withdrawal delays

• No platform freezes

• No counterparty risk

• Complete financial sovereignty

Compare this to NOWPayments or CoinPayments. Both require you to trust their custody. Both can (and do) hold funds during "compliance reviews." Both add friction between you and your revenue.

Larecoin removes the middleman entirely. You connect your wallet. You receive payments. Done.

This is what Web3 was supposed to look like.

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NFT Receipts: Bulletproof Record-Keeping

Here's where things get interesting.

Every Larecoin transaction generates an NFT receipt. Not a PDF. Not an email confirmation. An immutable, on-chain record that exists forever on the blockchain.

Why this matters:

• Audit-proof documentation , Accountants love this. Every transaction is permanently recorded and instantly verifiable.

• Impossible to forge , Try falsifying a blockchain record. Go ahead. We'll wait.

• No lost receipts , Forget digging through email folders or filing cabinets. Everything lives on-chain.

• Dispute resolution , Customer claims they paid? Check the chain. Case closed.

Traditional payment processors give you transaction logs stored on their servers. Servers that can be hacked. Data that can be altered. Records that can disappear.

NFT receipts? Immutable. Forever.

This isn't just a cool feature. It's a fundamental shift in how merchants handle accounting and compliance.

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Real US Compliance: MSB Registration and State MTL Strategy

Let's talk about the elephant in the room. Compliance.

Most crypto payment processors either:

1. Avoid the US entirely

2. Operate in a regulatory gray zone

3. Promise compliance without specifics

Larecoin takes a different approach. A serious one.

Money Services Business (MSB) Registration

Larecoin is pursuing full MSB registration with FinCEN. This is the federal foundation for operating legally as a money transmitter in the United States.

State Money Transmitter License (MTL) Strategy

Beyond federal registration, Larecoin is building a state-by-state MTL strategy. This means pursuing licenses in key jurisdictions to ensure merchants can accept crypto payments without legal ambiguity.

Why this matters to you:

• Legal clarity , You know exactly where you stand.

• Institutional confidence , Enterprise clients require compliant vendors. Full stop.

• Longevity , Platforms operating in gray zones get shut down. Compliant platforms don't.

NOWPayments operates primarily from Europe. CoinPayments is headquartered in the Cayman Islands. Both serve US merchants, but neither offers the same level of domestic regulatory commitment.

Larecoin is building for the US market. Properly.

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Fee Savings That Actually Add Up

Processing fees eat into margins. Every merchant knows this.

Traditional card processors charge 2.5-3.5% per transaction. Add chargeback fees. Add monthly minimums. Add PCI compliance costs.

Crypto was supposed to fix this. But many crypto processors just replaced one fee structure with another.

Larecoin's approach:

• Lower transaction fees , Gas-only transfers mean you're not paying premium processor markups.

• No withdrawal fees , Self-custody means no fees to access your own money.

• No hidden charges , Transparent pricing. What you see is what you pay.

When you're processing thousands of transactions monthly, even a 1% difference compounds fast. Larecoin's fee structure is designed for merchants who actually run businesses, not just hobbyists experimenting with crypto.

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LUSD: Stability Meets Web3

Volatility is crypto's Achilles heel for commerce. Accept $100 in ETH today, watch it become $85 tomorrow.

LUSD addresses this directly.

Larecoin's stablecoin option gives merchants the benefits of crypto payments, speed, low fees, global reach, without the volatility headache.

LUSD benefits:

• Price stability , Pegged value means predictable revenue

• Instant settlement , No waiting for bank processing

• Global acceptance , Same currency works everywhere

• Seamless conversion , Easy on/off ramps to fiat when needed

Merchants accepting LUSD get the best of both worlds. Crypto infrastructure. Stable value.

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NOWPayments vs. CoinPayments vs. Larecoin

Let's break it down.

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	No	No	Yes
NFT Receipts	No	No	Yes
US MSB/MTL Compliance	Limited	Limited	In Progress
Withdrawal Delays	Yes	Yes	None
Fee Transparency	Moderate	Moderate	High
Stablecoin Option	Yes	Yes	Yes (LUSD)

NOWPayments and CoinPayments have been around longer. They've processed billions. But they're built on Web2 infrastructure with Web3 paint.

Larecoin is Web3-native from the ground up. That distinction matters.

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Built for Merchants Who Get It

Larecoin isn't for everyone.

If you want a legacy processor with a crypto checkbox, there are options.

If you want:

• Full control of your funds

• Immutable receipts for accounting

• Real US compliance backing your operations

• Fee structures that respect your margins

• Stablecoin options for predictable revenue

Then Larecoin is built for you.

This is Year 10 of the Larecoin Blog Marathon. We've been talking about the future of payments for a decade. And that future is finally here.

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Get Started Today

Ready to accept crypto the right way?

Visit larecoin.com to set up your merchant account.

Join the conversation in the Larecoin Community.

Explore our full ecosystem on the blog.

Self-custody. NFT receipts. Real compliance.

This is what merchants actually trust.