Reduce Merchant Interchange Fees by 50%+: How Self-Custody Payments Beat Legacy Card Networks

The Merchant Fee Problem Is Out of Control

Visa and Mastercard are bleeding merchants dry.

Average interchange fees: 2.5% to 3.5% per transaction.

High-value transactions? You're looking at flat caps that still hurt.

Small businesses lose $100+ billion annually to card network fees.

That's profit evaporating into intermediary pockets.

Time to cut the middleman.

Self-Custody Changes Everything

Web3 payments flip the script.

No intermediaries. No permission. No legacy infrastructure.

Direct wallet-to-wallet transactions.

Larecoin runs on Solana. Gas fees average $0.00025 per transaction.

Compare that to the 2.5% you're paying Visa.

A $10,000 sale costs you:

• Traditional cards: $250-$350 in fees

• Larecoin self-custody: $0.00025

That's a 99.9%+ reduction in transaction costs.

Self-custody means you control your funds. Instantly. No holds. No chargebacks eating your margins.

Why Larecoin Beats NOWPayments and CoinPayments

Let's be honest about crypto payment processors.

NOWPayments charges 0.5% per transaction. Better than Visa, sure. But still custodial.

They hold your crypto. You wait for settlements.

CoinPayments? 0.5% plus withdrawal fees. Plus they custody your funds.

Larecoin eliminates custodial risk entirely.

Self-custody architecture means:

• Zero settlement delays

• No platform holds your funds

• Gas-only transaction costs

• Direct peer-to-peer transfers

You're not a customer. You're sovereign.

NOWPayments and CoinPayments still operate like Web2 companies. They insert themselves between you and your money.

Larecoin removes that friction completely.

The NFT Receipt Revolution

Traditional receipts are dead data.

Paper clutter. Email spam. Zero utility.

NFT receipts transform transaction records into digital assets.

Every Larecoin payment generates an NFT receipt. Immutable. Verifiable. Useful.

Benefits for merchants:

• Automated accounting integration

• Proof of purchase stored on-chain

• Customer engagement opportunities

• Loyalty program integration

• Resale royalties on secondary markets

Benefits for customers:

• Digital collectibles from favorite brands

• Warranty verification built-in

• Transferable proof of purchase

• Exclusive holder benefits

• Portfolio tracking across purchases

A receipt isn't just a record anymore. It's a relationship tool.

Fashion brands issue limited-edition NFT receipts. Customers collect them. Communities form around ownership.

Restaurant chains integrate NFT receipts with loyalty programs. Ten receipts unlock exclusive menu items.

The data lives on-chain forever. No lost receipts. No faded thermal paper.

LUSD: The Stablecoin Merchants Actually Want

Volatility kills crypto payments.

Bitcoin fluctuates 5% daily. Merchants can't price in that chaos.

Enter LUSD: Larecoin's native stablecoin.

Pegged 1:1 to USD. Backed by diversified crypto collateral. Decentralized stability.

Why LUSD beats USDC or USDT:

• No centralized issuer freezing accounts

• Self-custody compatible

• Native Solana integration

• Lower gas fees than Ethereum stablecoins

• Transparent collateralization

Merchants price in dollars. Customers pay in LUSD. Instant settlement.

You maintain dollar stability without surrendering custody to Circle or Tether.

Traditional stablecoins require trust in corporate entities. LUSD requires trust in code and collateral.

Revenue stays stable. Costs stay minimal. Sovereignty stays intact.

The Math: 50% Savings Is Conservative

Let's run actual numbers.

Scenario: Online retailer doing $1M monthly revenue

Traditional card processing (2.5% average):

• Monthly fees: $25,000

• Annual fees: $300,000

NOWPayments (0.5%):

• Monthly fees: $5,000

• Annual fees: $60,000

Larecoin self-custody (gas-only):

• Transaction volume: ~5,000 transactions/month

• Gas cost: $0.00025 × 5,000 = $1.25/month

• Annual fees: $15

Savings vs. traditional cards: 99.995%Savings vs. NOWPayments: 99.98%

Even if you factor in operational costs like wallet management, the savings exceed 50% easily.

Most merchants see 60-80% total cost reduction switching to self-custody.

Implementation Is Simpler Than You Think

No merchant account applications. No credit checks. No underwriting delays.

Three steps to accept Larecoin:

1. Set up Solana wallet (5 minutes)

2. Generate payment addresses (automated)

3. Integrate Larecoin API (plug-and-play)

Point-of-sale systems integrate via QR codes. E-commerce platforms via payment plugins.

Settlement is instant. Funds hit your wallet immediately.

No waiting 2-3 business days for ACH transfers.

Solana's speed means confirmation in under 1 second. Customers scan, pay, leave.

Your treasury management becomes simple. Wallet balance reflects real-time revenue.

Regulatory Compliance Without Custodians

Self-custody doesn't mean regulatory chaos.

Larecoin provides compliance tools without custodial control:

• Transaction monitoring dashboards

• AML screening integration

• Tax reporting exports

• Audit trail documentation

You maintain control. Reporting stays compliant.

Traditional processors handle compliance by controlling your funds. Larecoin handles compliance through transparent on-chain data.

Every transaction is traceable. Every payment is verifiable.

Regulators get transparency. You get sovereignty.

The Competitive Edge

Merchants accepting only cards lose customers who prefer crypto.

Merchants accepting crypto through custodial processors pay unnecessary fees.

Merchants accepting Larecoin self-custody payments gain:

• Lowest transaction costs in the industry

• Instant global settlement

• No chargebacks or fraud reversals

• Access to crypto-native customer base

• NFT receipt engagement opportunities

• LUSD stability without custody risk

Your competitors are still paying 2.5% to Visa.

You're paying $0.00025.

That's margin expansion. That's competitive advantage.

Financial Sovereignty Is Merchant Growth

Web3 isn't just technology. It's philosophy.

Self-custody means:

• No payment processor can deplatform you

• No bank can freeze your merchant account

• No intermediary dictates your business model

You own your payment rails.

Traditional processors banned OnlyFans creators. Patreon censored political content. Banks froze Canadian trucker donations.

Self-custody prevents all of it.

Your business. Your rules. Your money.

Larecoin provides infrastructure without control. Tools without custody.

Join the Payment Revolution

50% fee reduction is baseline.

Most merchants see 80%+ savings switching to self-custody.

Explore Larecoin's ecosystem and start accepting payments that actually make sense.

The 10-year marathon continues. Every transaction proves the model works.

Legacy card networks had their century. Self-custody payments own the next one.

Cut fees. Keep control. Build sovereign businesses.

That's how Web3 wins.