Stop Wasting Money on NOWPayments and CoinPayments: 7 Reasons Decentralized Self-Custody Wins

Here's the uncomfortable truth.

You're bleeding money to payment processors. Every single day. NOWPayments. CoinPayments. They all take their cut.

And for what?

You hand over custody. You pay fees. You trust third parties with YOUR revenue.

There's a better way. Decentralized self-custody isn't just a buzzword. It's the foundation of real financial freedom for merchants.

Let's break down exactly why you should stop wasting money on centralized payment gateways: and embrace a model that actually works in your favor.

The Problem With NOWPayments and CoinPayments

Both platforms promise easy crypto payments. They deliver: sort of.

NOWPayments operates on a non-custodial model. That's good. But you're still locked into their ecosystem. Their fees. Their rules.

CoinPayments? Straight-up custodial. They generate wallets for you. You don't hold the keys. You don't truly own your funds.

Both charge processing fees. Both require you to trust external infrastructure. Both leave you dependent on their uptime, their compliance decisions, their business continuity.

Sound like freedom to you?

It's not.

Real Web3 payments mean something different. They mean full custody, lower fees, and merchant sovereignty.

Reason #1: True Self-Custody Means You Own Everything

Not your keys. Not your crypto.

It's that simple.

When you use custodial solutions, you're trusting a third party with your revenue. If they get hacked, freeze accounts, or go under: your funds are at risk.

Decentralized self-custody flips the script:

• You control the private keys

• You hold funds directly in your wallet

• No intermediary access to your money

Larecoin's approach puts merchants in complete control. No middlemen touching your revenue stream. That's financial sovereignty in action.

Reason #2: Slash Interchange Fees by 50%+

This is where it gets real.

Traditional payment processors: including crypto gateways: charge anywhere from 1% to 3.5% per transaction. That adds up fast.

For a merchant processing $100,000 monthly? You're looking at $1,000 to $3,500 vanishing into fees. Every. Single. Month.

Decentralized self-custody changes the math completely.

With solutions like Larecoin:

• Gas-only transfers replace percentage-based fees

• No platform cut eating into margins

• Direct wallet-to-wallet settlements

The result? Merchants keep more of what they earn. We're talking 50%+ savings compared to traditional crypto payment processors.

That's not marketing fluff. That's money back in your pocket.

Reason #3: NFT Receipts Create Immutable Proof

Here's something NOWPayments and CoinPayments can't offer.

NFT receipts.

Every transaction generates a verifiable, on-chain receipt. Stored forever on the blockchain. Impossible to forge. Impossible to lose.

Why does this matter?

• Accounting transparency becomes automatic

• Dispute resolution gets easier with immutable proof

• Tax compliance simplified with permanent records

• Customer trust increases with verifiable transactions

Traditional payment gateways give you PDFs and database entries. Databases can be altered. Files can be deleted.

NFT receipts? Permanent. Trustless. Revolutionary for merchant operations.

Reason #4: LUSD Stablecoin Eliminates Volatility Risk

Crypto volatility kills merchant adoption.

You accept Bitcoin today. It drops 15% tomorrow. Your margins evaporate.

Payment processors like NOWPayments offer auto-conversion. But that comes with conversion fees. More money leaving your pocket.

LUSD: Larecoin's stablecoin: solves this differently:

• Pegged stability protects against market swings

• Native to the ecosystem means no conversion friction

• Self-custody compatible so you maintain control

• Instant settlement without waiting for fiat rails

Accept payments in LUSD. Hold value. No surprises.

This is how Web3 payments should work for merchants who need predictability without sacrificing decentralization.

Reason #5: Zero Third-Party Risk

CoinPayments holds your keys. What happens if they get hacked?

NOWPayments doesn't hold funds: but you still depend on their infrastructure. What happens if they shut down?

Third-party risk is everywhere in centralized solutions.

Decentralized self-custody eliminates the attack vector entirely:

• No platform-held funds to be compromised

• No dependency on third-party uptime

• No counterparty insolvency risk

• Direct blockchain interaction only

Your business. Your wallet. Your rules.

When the only point of failure is your own security practices: you control the outcome. That's how it should be.

Reason #6: Instant Global Settlements

NOWPayments and CoinPayments operate across borders. That's good.

But they still introduce friction. Processing times. Withdrawal limits. Compliance holds.

True decentralized self-custody means:

• Direct wallet transfers anywhere in the world

• No intermediary approval required

• Settlement in minutes not days

• No arbitrary limits on your own money

A customer in Tokyo pays you at 3 AM. Funds hit your wallet instantly. No waiting for business hours. No pending approvals.

Larecoin's Web3 global payments infrastructure makes borderless commerce actually borderless.

Reason #7: Future-Proof Your Business

Here's the bigger picture.

Web3 is expanding. Metaverse commerce is coming. Virtual storefronts are already here.

Payment processors built on Web2 architecture won't scale into this future. They weren't designed for it.

Decentralized self-custody positions your business for:

• Metaverse transactions with native crypto rails

• Cross-chain interoperability as ecosystems expand

• DeFi integration for treasury management

• Programmable payments with smart contracts

NOWPayments and CoinPayments solve today's problems. Barely.

Self-custody solutions solve tomorrow's opportunities. That's the difference between survival and growth.

The Bottom Line

Stop paying processors to handle what you can handle yourself.

Stop trusting third parties with your revenue.

Stop leaving money on the table.

Here's what decentralized self-custody delivers:

Feature	Centralized Gateways	Self-Custody
Key ownership	Platform-held	You own it
Fees	1-3.5% + conversion	Gas-only
Settlement	Hours to days	Minutes
Third-party risk	High	Zero
Volatility protection	Auto-convert (with fees)	LUSD stablecoin
Transaction proof	Database entries	NFT receipts
Future compatibility	Limited	Unlimited

The choice is clear.

NOWPayments and CoinPayments served a purpose. They bridged traditional merchants into crypto acceptance.

But the bridge isn't the destination.

True financial sovereignty requires true self-custody. Lower fees. Full control. On-chain receipts. Stablecoin stability.

That's what Larecoin delivers.

Ready to stop wasting money and start building real merchant freedom?

Explore how Larecoin slashes fees while keeping you in control.

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Part of the Larecoin 10-year blog marathon. Building the future of Web3 global payments: one post at a time.