Receivables Token Explained: Why Merchants Are Ditching NOWPayments and CoinPayments for Larecoin

The merchant payment game is changing. Fast.

Traditional crypto payment processors promised freedom. Lower fees. Instant settlements. But here's the truth: most of them delivered the same old custodial headaches wrapped in blockchain buzzwords.

NOWPayments. CoinPayments. They had their moment. But merchants are waking up. They're realizing that receivables tokens and true self-custody aren't just nice-to-haves. They're the foundation of real financial sovereignty.

Enter Larecoin.

What Exactly Is a Receivables Token?

Let's break it down.

A receivables token converts an unpaid invoice or future payment into a digital asset on the blockchain. Think of it as a claim on money that's coming your way: except now it's liquid, tradeable, and verifiable.

Here's what that means for merchants:

• Instant liquidity. No more waiting 30, 60, or 90 days for customers to pay.

• Collateral power. Use your receivables tokens to access working capital immediately.

• Transparency. Every transaction is recorded on-chain. Auditable. Immutable.

Traditional receivables financing? Banks take their cut. Intermediaries slow everything down. Fees pile up.

Larecoin flips the script. Receivables tokens on our platform eliminate the middlemen. Peer-to-peer. Direct. Efficient.

The Problem with NOWPayments and CoinPayments

Both NOWPayments and CoinPayments built their reputations on being "easy" crypto payment gateways. And they are: for basic transactions.

But dig deeper.

Custodial nightmares. Your funds sit in their wallets. Not yours. You're trusting a third party to hold your money. Sound familiar? That's exactly what crypto was supposed to fix.

Fee structures that add up. Processing fees. Withdrawal fees. Conversion fees. Death by a thousand cuts.

No receivables tokenization. You accept a payment. You wait. There's no mechanism to unlock that value early or leverage future payments.

Limited stablecoin options. Volatility remains a pain point. Without a robust stablecoin ecosystem, merchants either hodl and pray or convert to fiat immediately: losing value in the process.

Zero NFT receipt utility. Receipts are PDFs. Maybe an email. There's no on-chain proof of purchase that customers or merchants can actually use.

These platforms were built for Web2 thinking in a Web3 world.

Why Larecoin Is Different

Larecoin isn't just another payment processor. It's a complete Web3 payments ecosystem designed for merchants who want control.

Slash Interchange Fees by 50%+

Traditional payment processors charge merchants anywhere from 2% to 4% per transaction. Credit cards. PayPal. Even most crypto gateways.

Larecoin's architecture is different.

Our gas-only transfer model means you're paying network fees: not inflated processing charges. For most merchants, that translates to cutting interchange costs by more than half.

50%+ savings. Every transaction. Every day.

That's not marketing speak. That's math.

LUSD: The Stablecoin Merchants Actually Need

Volatility kills merchant adoption. Always has.

Accept Bitcoin today. Worth 10% less tomorrow. That's not sustainable for a business trying to pay rent and payroll.

LUSD: Larecoin's native stablecoin: solves this.

Pegged stability. Your revenue stays consistent.

Instant conversion. Accept any crypto. Auto-convert to LUSD. No manual swapping.

Push-to-card functionality. Need fiat? Push LUSD directly to your debit card. Done.

NOWPayments offers stablecoin options. CoinPayments does too. But neither integrates a native stablecoin into a complete receivables ecosystem like Larecoin does.

NFT Receipts: Proof That Actually Proves Something

Here's where it gets interesting.

Every transaction on Larecoin generates an NFT receipt. Not a PDF. Not an email. A verifiable, on-chain proof of purchase.

Why does this matter?

Returns and disputes. Instant verification. No he-said-she-said.

Warranty tracking. The NFT contains metadata about the purchase. Product details. Date. Amount. All immutable.

Loyalty programs. Merchants can tie rewards directly to NFT receipts. Customers collect. Merchants build engagement.

Resale verification. For physical goods, especially high-value items, NFT receipts prove authenticity and ownership history.

NOWPayments? Doesn't do this. CoinPayments? Nope. This is Larecoin-native functionality.

Self-Custody: Your Keys, Your Coins, Your Business

This is non-negotiable in Web3.

If you don't control your private keys, you don't control your money. Period.

Larecoin is built on self-custody principles. When you receive a payment, it goes to YOUR wallet. Not ours. Not a third-party escrow. Yours.

No withdrawal delays. The funds are already in your possession.

No platform risk. If Larecoin disappeared tomorrow (we won't), your funds remain safe in your wallet.

True ownership. Financial sovereignty isn't a slogan. It's the architecture.

CoinPayments and NOWPayments both operate on custodial models for most features. That's a fundamental design flaw for merchants who understand what's at stake.

The Receivables Token Advantage

Let's circle back to receivables tokens: because this is where Larecoin truly separates from the pack.

Traditional invoice factoring:

1. You have an invoice for $10,000.

2. A bank or factoring company gives you $9,200 today.

3. They collect the full $10,000 when it's due.

4. You lose 8%.

Larecoin receivables tokens:

1. You have an invoice for $10,000.

2. Tokenize it on Larecoin.

3. Sell or collateralize the token on secondary markets.

4. Access capital at significantly better rates: often 2-4% instead of 8%.

The difference? Peer-to-peer markets. No bank middlemen. Transparent pricing.

For small and medium businesses, this is game-changing. Cash flow constraints kill more businesses than bad products. Receivables tokens fix that.

Real Merchants. Real Results.

We're seeing merchants across e-commerce, SaaS, and retail making the switch.

E-commerce stores love the NFT receipts for reducing chargeback fraud.

Subscription businesses appreciate the receivables tokenization for smoother cash flow.

Brick-and-mortar retailers are cutting costs with the 50%+ fee reduction.

The common thread? They tried NOWPayments. They tried CoinPayments. They hit limitations.

Larecoin delivered what they actually needed.

How to Get Started

Ready to make the switch?

1. Visit Larecoin.com and explore the merchant documentation.

2. Set up your self-custody wallet. We support major Solana-compatible wallets.

3. Integrate the Larecoin payment gateway. Simple API. Clear docs. Fast deployment.

4. Start accepting payments. Watch your fees drop and your control increase.

The Bottom Line

NOWPayments and CoinPayments served a purpose. They introduced merchants to crypto payments.

But the game has evolved.

Receivables tokens. LUSD stablecoin. NFT receipts. True self-custody. 50%+ fee reduction.

These aren't future features. They're live on Larecoin right now.

Merchants who understand Web3 are moving. They're not looking back.

The question isn't whether receivables tokens will become standard. It's whether you'll adopt them before your competitors do.

Your keys. Your coins. Your business.

That's the Larecoin difference.