NOWPayments Vs Larecoin: Which Crypto POS System for Small Business Actually Gives You Self-Custody?

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

And for small business owners diving into crypto payments, understanding the difference could mean everything for your bottom line.

Let's break down two popular options: NOWPayments and Larecoin. Both claim non-custodial features. But dig deeper. The architecture tells a different story.

The Self-Custody Question Every Merchant Should Ask

Here's the real question: Who holds your money?

Traditional payment processors? They hold your funds. Sometimes for days. Sometimes longer. Chargebacks. Freezes. Arbitrary account closures.

Crypto was supposed to fix this. But not all crypto payment solutions are created equal.

Some give you self-custody as an option. Others build their entire system around it.

That difference matters more than you think.

NOWPayments: Non-Custodial... If You Choose It

NOWPayments operates with a non-custodial model by default. Payments go directly to your wallet. You hold the keys.

Sounds good, right?

Here's the catch.

NOWPayments also offers optional custody for businesses needing operational balances. A hybrid approach. Flexibility.

But flexibility can become a trap.

What this means for you:

• You must actively choose the non-custodial path

• Optional custody features tempt operational shortcuts

• The architecture supports both models, diluting the self-custody commitment

• Fees still apply: 0.5-1% processing fees on top of network costs

For merchants who want unwavering self-custody without middleman involvement? This hybrid approach falls short.

Larecoin: Self-Custody as the Foundation

Larecoin approaches crypto payments differently.

Self-custody isn't an option. It's the architectural foundation.

No middleman holding your revenue. No waiting for withdrawals. No permission needed to access your own money.

Every single transaction settles near-instantly to your wallet.

The Larecoin difference:

• 100% self-custody by design

• Gas-only transfers, pay network costs, nothing more

• Zero processing fees eating into your margins

• No hybrid custody options to complicate things

• Complete merchant independence

This isn't about flexibility. It's about unwavering commitment to merchant freedom.

Fee Comparison: Where the Real Savings Happen

Let's talk numbers. Because for small businesses, every percentage point counts.

NOWPayments fees:

• 0.5-1% processing fee

• Plus network gas fees

• Volume discounts available for larger merchants

Larecoin fees:

• Gas-only transfers

• Zero processing fees

• 50%+ fee reductions compared to traditional processors

Run the math on $10,000 monthly sales.

With NOWPayments at 0.75% average? That's $75/month in processing fees. Plus gas.

With Larecoin? Just gas. That $75 stays in your pocket.

Over a year? $900 saved. Minimum.

Scale that up. The savings multiply.

Beyond Self-Custody: The Larecoin Ecosystem

Self-custody and fee savings are just the beginning.

Larecoin delivers a complete ecosystem designed for merchant independence.

NFT Receipts

Every transaction can generate an NFT receipt. Immutable proof of purchase. On-chain verification. Perfect for warranty claims, returns, or dispute resolution.

No more lost paper receipts. No more "he said, she said."

Blockchain-verified transaction history.

LUSD Stablecoin

Crypto volatility concerns? LUSD solves that.

Accept payments in crypto. Settle in stable value. Protect your margins from market swings.

The best of both worlds: crypto efficiency with stablecoin stability.

Contactless POS Integration

Modern payment hardware. Tap-to-pay functionality. Seamless customer experience.

Your customers won't even notice they're paying with crypto. They'll just notice how smooth it is.

The Independence Factor

Here's what nobody talks about enough.

Payment processors have power over your business. They can freeze accounts. Delay settlements. Change terms overnight.

Even "crypto-friendly" processors maintain this dynamic.

Larecoin eliminates it entirely.

True merchant independence means:

• No account freezes

• No settlement delays

• No arbitrary policy changes affecting your revenue

• No asking permission to access funds you earned

• Complete operational sovereignty

Your business. Your money. Your rules.

That's not marketing speak. That's architectural reality.

NOWPayments vs Larecoin: Quick Comparison

Feature	NOWPayments	Larecoin
Self-Custody	Optional (hybrid)	Default (foundational)
Processing Fees	0.5-1%	None (gas-only)
NFT Receipts	No	Yes
Stablecoin Option	Via conversion	Native LUSD
Settlement Speed	Near-instant	Near-instant
Merchant Independence	Partial	Complete

Who Should Choose What?

Choose NOWPayments if:

• You want flexibility between custody options

• You're comfortable with 0.5-1% fees

• Hybrid architecture doesn't concern you

• You prioritize established market presence

Choose Larecoin if:

• Self-custody is non-negotiable

• Fee savings directly impact your margins

• NFT receipts add value to your business model

• Merchant independence matters

• You want gas-only transfers with zero middleman cuts

For small businesses prioritizing unwavering self-custody? The choice becomes clear.

Getting Started with True Self-Custody

Ready to take control of your crypto payments?

The Larecoin ecosystem makes it simple.

Step 1: Set up your self-custody wallet

Step 2: Connect to the Larecoin merchant portal

Step 3: Start accepting crypto with gas-only fees

Step 4: Watch your savings stack up

No lengthy applications. No waiting for approval. No arbitrary account reviews.

Just plug in and start accepting payments.

The Bottom Line

Self-custody isn't just a buzzword. It's the difference between renting your payment infrastructure and owning it.

NOWPayments offers non-custodial options. It works. Merchants use it successfully.

But Larecoin builds self-custody into the foundation. Every transaction. Every merchant. Every time.

Add gas-only transfers, NFT receipts, and native LUSD stability? You're looking at the future of merchant independence.

Small businesses deserve payment solutions that respect their autonomy. That protect their margins. That put them in complete control.

That's exactly what Larecoin delivers.

Your keys. Your revenue. Your business.

Join the Larecoin community and see what true self-custody looks like in action.