NOWPayments vs CoinPayments vs Larecoin: Which Receivables Token Gives You Self-Custody AND Cuts Fees by 50%?

The Custody Problem No One Talks About

Most crypto payment processors lock you into custodial accounts.

Your funds. Their wallet. Their rules.

NOWPayments and CoinPayments both operate on custodial models where they control your crypto until you withdraw. Add withdrawal fees. Add conversion charges. Add platform fees that scale with your revenue.

The math doesn't work in your favor.

Breaking Down the Real Costs

Let's cut through the marketing speak.

NOWPayments Fee Structure:

• 0.5-1% per transaction

• Network fees on top

• Withdrawal charges

• Currency conversion costs

• Custodial hold on your funds

CoinPayments Fee Structure:

• 0.5% base rate

• Additional network fees

• Withdrawal fees per transaction

• Conversion fees between cryptocurrencies

• Third-party custody of receivables

Larecoin Fee Structure:

• Zero platform fees

• Solana gas costs only (pennies per transaction)

• No withdrawal fees

• No conversion charges

• Full self-custody from day one

The $500K Benchmark: Where Savings Start

Process $500K annually through crypto payments.

NOWPayments charges you $2,500-$5,000 in platform fees alone. CoinPayments sits in the same range.

Larecoin? Under $2,000 total. That includes gas fees.

Savings: 50-60% minimum.

And you keep custody the entire time.

Scale to $1.2M: The Gap Widens

Growth should reduce costs. Not increase them.

At $1.2M annual volume:

• NOWPayments: $9,000+ in fees

• CoinPayments: $6,000-$12,000 in fees

• Larecoin: ~$2,000 in gas costs

Savings range: $4,000-$10,000 annually.

That's capital you reinvest. Not money sent to a payment processor.

Hit $5M: 80% Fee Reduction

Enterprise-level processing exposes the broken fee model.

Traditional crypto processors charge $25,000+ at $5M volume.

Larecoin charges approximately $5,000.

80% savings. Full self-custody. Instant settlement.

The receivables token model scales with your business without scaling costs proportionally.

Self-Custody Merchant Accounts: The Larecoin Difference

Here's what self-custody actually means for your business:

Instant Access to Funds No waiting for batch settlements. No withdrawal approvals. Your wallet. Your control.

Zero Counterparty Risk Payment processors can freeze accounts. Delay withdrawals. Change terms. Self-custody eliminates that risk entirely.

Direct Blockchain Settlement Transactions settle in seconds on Solana. Not minutes. Not hours. Seconds.

No Hidden Holds Custodial platforms hold funds for "security." Translation: they use your capital as float. Self-custody means your receivables hit your wallet immediately.

NFT Receipts for Accounting: The Overlooked Innovation

Every transaction generates an NFT receipt.

Immutable. Timestamped. Blockchain-verified.

Accounting Benefits:

• Automated transaction logs

• Auditable payment history

• Tax documentation built-in

• Eliminate manual reconciliation

• Verifiable proof of payment

NFT receipts transform accounting from a monthly headache into automated record-keeping.

Your bookkeeper will thank you.

LUSD Stablecoin Benefits: Price Stability Without Centralization

Volatility kills merchant adoption.

Bitcoin swings 10% overnight. Ethereum follows. Merchants can't operate with that uncertainty.

Enter LUSD:

• Decentralized stablecoin

• Pegged to USD

• No centralized issuer risk

• Backed by over-collateralized ETH

• Fully redeemable

Accept LUSD through Larecoin. Lock in dollar-equivalent value. Maintain decentralization.

Stable pricing. Self-custody. Zero compromise.

The Receivables Token Model Explained

Traditional payment processors operate on custodial batch settlements.

Larecoin operates on receivables tokens.

How It Works:

1. Customer pays in crypto

2. Funds hit your self-custody wallet as receivables token

3. Convert to LUSD, LARE, or other assets instantly

4. Withdraw to external wallet or keep in ecosystem

5. Zero platform fees. Gas-only costs.

The receivables token represents your earned revenue. Immediately. Not after approval windows.

NOWPayments Alternative: What You're Actually Getting

Switching from NOWPayments to Larecoin means:

Eliminated Costs:

• Platform percentage fees

• Withdrawal charges

• Conversion fees between cryptocurrencies

Added Benefits:

• Full self-custody

• NFT receipt generation

• LUSD stablecoin settlement option

• Solana-speed transactions

• Receivables token liquidity

Real-World Impact: A $750K/year merchant saves $3,000-$6,000 annually minimum. Plus gains immediate fund access. Plus eliminates counterparty risk.

CoinPayments Alternative: The Custody Question

CoinPayments markets multi-coin support.

But multi-coin custody is still custody.

Larecoin offers:

• Multi-asset support via Solana ecosystem

• Bridge and swap functionality

• Cross-chain compatibility

• Self-custody across all assets

• Gas-only cost structure

You're not trading features for savings. You're upgrading to a better model entirely.

Crypto POS System for Small Business

Physical retail needs payment solutions too.

Larecoin's contactless POS system delivers:

• Tap-to-pay crypto acceptance

• Real-time settlement

• NFT receipt printing optional

• Self-custody from first transaction

• Mobile and tablet compatible

Small businesses can't absorb 3-5% credit card fees. They definitely can't absorb 0.5-1% crypto processor fees plus withdrawal costs.

Gas-only pricing makes crypto payments viable for coffee shops. Boutiques. Local retailers.

Web3 Global Payments Without Geographic Restrictions

Traditional payment processors impose geographic limitations.

Larecoin operates on blockchain infrastructure. No borders. No restricted territories.

Global Capabilities:

• Accept payments from any country

• No currency conversion delays

• Cross-border settlement in seconds

• No international wire fees

• Unified self-custody wallet

Your business goes global without permission from payment processors.

The Switching Cost Reality

"But we're already set up with NOWPayments/CoinPayments."

Fair point. Let's calculate switching costs.

Setup Time: 2-4 hours for Larecoin merchant portal integration.

Learning Curve: Minimal if you've used any crypto payment processor.

Cost to Switch: Zero. Larecoin charges no setup fees.

Break-Even Timeline: First month for most merchants based on fee savings.

Switching costs are negligible. Savings are immediate.

Financial Sovereignty for Merchants

This isn't just about fees.

It's about who controls your business capital.

Custodial Model (NOWPayments/CoinPayments):

• They hold your funds

• You request withdrawals

• They approve or delay

• They charge for access

• They can freeze accounts

Self-Custody Model (Larecoin):

• You hold your funds

• Instant access always

• No approval needed

• No withdrawal charges

• No account freezes possible

Financial sovereignty means building business on infrastructure you control.

Making the Switch: Next Steps

Ready to reduce merchant interchange fees by 50-80%?

1. Visit Larecoin.com and explore the merchant portal

2. Set up your self-custody wallet (5 minutes)

3. Integrate payment acceptance (API or POS)

4. Start accepting crypto with gas-only pricing

5. Generate NFT receipts automatically

The Web3 global payments infrastructure is live. Proven. Scaling.

Your competitors are already cutting fees. Gaining self-custody. Operating bank-free.

The Bottom Line

NOWPayments and CoinPayments charge platform fees that scale with your revenue. They control your funds through custodial accounts. They add withdrawal and conversion charges on top.

Larecoin charges zero platform fees. You maintain full self-custody. Gas costs stay minimal regardless of volume.

The math is simple:

• $500K volume: Save $1,000-$3,000 annually

• $1.2M volume: Save $4,000-$10,000 annually

• $5M volume: Save $20,000+ annually

Plus you get NFT receipts. LUSD stablecoin stability. Receivables token liquidity. Instant settlement.

Self-custody merchant accounts aren't the future. They're available now.

Cut fees by 50%. Keep custody of your capital. Scale without platform fee bloat.

That's the receivables token advantage.