NOWPayments vs CoinPayments vs Larecoin: Which Self-Custody Crypto POS System Protects Your Funds AND Passes US Compliance?

The Custody Trap Nobody Talks About

You're accepting crypto payments. Smart move.

But here's the problem: most "crypto payment processors" are just banks in disguise. They hold your keys. They control your funds. They process withdrawals "when they feel like it."

NOWPayments and CoinPayments both operate custodial wallet systems. You don't own your crypto, they do. You're just asking permission to access it.

Larecoin? Different story entirely.

Self-Custody From Day One

Larecoin gives you control from transaction one.

No withdrawal requests. No waiting periods. No "processing your funds." Your private keys. Your wallet. Your crypto.

Compare that to the alternatives:

• NOWPayments: Custodial model. They hold everything.

• CoinPayments: Custodial model. Same story.

• Larecoin: Self-custody. You control it all.

The difference isn't just philosophical. It's financial.

When platforms control your funds, they control your business. Network congestion? They decide who withdraws first. Regulatory issues? Your funds get frozen. Platform bankruptcy? You're an unsecured creditor.

Self-custody eliminates that risk completely.

The Fee Structure That Changes Everything

Let's talk numbers. Real numbers.

NOWPayments and CoinPayments charge 0.5% to 1% per transaction. Sounds small. Adds up fast.

Process $1 million annually? You're paying $5,000 to $10,000 in platform fees alone. Every year. Forever.

Larecoin operates on a gas-only model using Solana's network. Typical transaction cost? Fractions of a cent.

Same $1 million in volume? Under $2,000 in total fees.

That's $3,000 to $8,000 back in your pocket. Annually. Compounding.

Fee Breakdown at Different Volumes

Annual Volume	NOWPayments/CoinPayments	Larecoin (Gas Only)	You Save
$100,000	$500-$1,000	~$200	$300-$800
$500,000	$2,500-$5,000	~$1,000	$1,500-$4,000
$1,000,000	$5,000-$10,000	~$2,000	$3,000-$8,000
$5,000,000	$25,000-$50,000	~$10,000	$15,000-$40,000

Scale changes everything. The more you process, the more you save.

US Compliance: The Missing Piece

Here's where it gets serious.

Most crypto payment platforms operate in regulatory gray zones. They process payments. They move money. But ask them about their Money Services Business (MSB) registration? Crickets.

State Money Transmitter Licenses (MTLs)? "We're working on it."

Larecoin isn't playing that game.

We're building a rigorous MSB and state MTL compliance strategy from the ground up. Not because regulation is trendy. Because operating legally protects your business AND ours.

US regulatory landscape is tightening. Fast. Platforms without proper licensing will face:

• Cease and desist orders

• Frozen merchant accounts

• Criminal penalties

• Zero path to institutional adoption

Larecoin's compliance-first approach means:

• Legitimate MSB registration

• State-by-state MTL strategy

• Full AML/KYC frameworks where required

• Partnership with regulated financial institutions

You're not just getting a payment processor. You're getting a legally defensible payment infrastructure.

NOWPayments and CoinPayments? Check their regulatory disclosures. Or try to find them.

NFT Receipts: Programmable Transaction Proof

Every Larecoin transaction generates an NFT receipt.

Not a gimmick. A game-changer.

Traditional receipts are static. PDF files. Email confirmations. Easy to lose. Impossible to program.

NFT receipts are:

• Immutable: Blockchain-verified transaction proof

• Programmable: Attach loyalty rewards, warranties, future discounts

• Transferable: Customers can gift, sell, or trade high-value receipts

• Searchable: Query entire transaction history on-chain

Imagine a customer buys $10,000 in products. Their NFT receipt includes:

• Purchase details

• Automatic warranty registration

• VIP status upgrade

• 10% discount on next purchase

• Resale value if product is limited edition

That's not possible with NOWPayments or CoinPayments. Their receipts are just... receipts.

LUSD: Stablecoin Stability Without Centralization

Larecoin integrates Liquity USD (LUSD) as a primary stablecoin option.

Why LUSD instead of USDC or USDT?

Decentralization.

USDC and USDT are controlled by centralized entities. Circle and Tether can freeze your funds. They comply with government blacklists. They operate at the mercy of banking partners.

LUSD is:

• Algorithmic: No central authority can freeze it

• Over-collateralized: Backed by ETH at 110%+ ratios

• Censorship-resistant: No blacklist functionality

• Redemption-guaranteed: Always redeemable for $1 of ETH

For merchants, this means true stablecoin stability without counterparty risk.

NOWPayments and CoinPayments support mainstream stablecoins. But they're all centralized. All censorable. All vulnerable to regulatory capture.

Larecoin gives you the option. LUSD for decentralization. Traditional stablecoins if you prefer. Your choice. Your custody.

The Solana Advantage

Larecoin runs on Solana. Not Ethereum. Not Bitcoin. Solana.

Why?

Speed and cost.

• Transaction finality: 400 milliseconds

• Average fee: $0.00025 (yes, fractions of a cent)

• Throughput: 65,000 transactions per second

Ethereum? Slow and expensive. Bitcoin? Even worse for payments.

Solana delivers point-of-sale speed at near-zero cost. That's why Larecoin built there.

Your customers don't wait 10 minutes for confirmations. They tap. Transaction confirms. They leave.

Just like Visa. But better.

What NOWPayments and CoinPayments Get Right

Fair is fair. They're not terrible.

NOWPayments offers:

• Wide cryptocurrency support

• API documentation

• Established merchant base

CoinPayments provides:

• Long operating history (since 2013)

• Shopping cart plugins

• Multi-coin wallet interface

Both work. Both process payments. Both have legitimate use cases.

But both charge percentage fees. Both hold your funds. Both operate in regulatory uncertainty.

If you're okay with that tradeoff? Use them.

If you want self-custody, fee savings, and US compliance? There's only one option.

The Verdict: Choose Your Priority

Three platforms. Three approaches. One decision.

Choose NOWPayments if: You want broad crypto support and don't mind custodial control.

Choose CoinPayments if: You value platform longevity and accept percentage-based fees.

Choose Larecoin if: You demand self-custody, minimal fees, NFT receipts, LUSD integration, and actual US compliance strategy.

The future of crypto payments isn't custodial. It's self-sovereign.

The future isn't percentage fees. It's gas-only.

The future isn't regulatory gambling. It's MSB-registered, MTL-compliant infrastructure.

The future is Larecoin.

Ready to process payments the Web3 way? Start with Larecoin today.

Your keys. Your custody. Your business.

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Part of the Larecoin 10-Year Blog Marathon. Exploring how Web3 payments solve real-world problems. One transaction at a time.