The CoinPayments Alternative You've Been Waiting For: How Larecoin Reduces Merchant Interchange Fees by 50%+ (With Full US Compliance)

The Fee Problem Everyone's Ignoring

Merchants are bleeding money.

Traditional crypto payment processors charge 0.5-1% on every transaction. Add monthly fees. Add conversion costs. Add hidden charges.

The math doesn't work.

Processing $100,000 monthly? You're paying $3,200+ in fees with platforms like CoinPayments and NOWPayments.

Processing $1 million? That's $30,000 gone. Every month.

There's a better way.

Gas-Only Pricing Changes Everything

Larecoin operates on a radically different model.

No transaction percentages. No monthly fees. Just gas.

The effective rate? 0.01-0.05%.

Built on LareBlocks Layer 1 blockchain, Larecoin processes 4,500+ transactions per second. Settlement happens in 60 seconds. No intermediaries taking cuts.

This isn't theoretical. The savings are real.

The Real Numbers

Let's break down what this means for your business.

Monthly Processing: $100,000

• CoinPayments/NOWPayments: ~$3,200

• Larecoin: $500-800

• Your Savings: $2,400-2,700/month

Monthly Processing: $1,000,000

• Traditional Processors: ~$30,000

• Larecoin: $500-700

• Your Savings: $29,200-29,500/month

Scale that annually. Those savings compound fast.

The gas-only model eliminates the percentage-based extraction that's become standard in crypto payments. You pay for blockchain infrastructure. Nothing more.

US Compliance From Day One

Here's where most platforms fail.

They build first. Retrofit compliance later. Hope regulators don't notice.

Larecoin took the opposite approach.

Native CLARITY Act compliance. KYC/AML capabilities built into the architecture. NYDFS-ready framework from inception.

The regulatory strategy includes:

• Money Services Business (MSB) registration

• State-by-state Money Transmitter License (MTL) compliance

• Real-time transaction monitoring

• Comprehensive reporting systems

This isn't bolt-on compliance. It's foundational.

When competitors scramble to meet new regulations, Larecoin merchants keep processing. Zero disruption.

Learn more about our compliance framework at Larecoin Trust.

LUSD: The Volatility Solution

Crypto payments have a volatility problem.

Customer pays in crypto. Merchant receives crypto. Price swings 5% before settlement.

Profit margins evaporate.

Larecoin solves this with LUSD integration.

Customers pay in LARE tokens. Merchants automatically receive LUSD: pegged to $1.

No volatility risk. No conversion fees. Predictable revenue.

The merchant experience:

1. Customer initiates payment in LARE

2. System converts to LUSD automatically

3. Merchant receives stable value

4. Settlement in 60 seconds

Traditional processors charge 0.5-1% for stablecoin conversion. Larecoin includes it in the gas-only model.

Self-Custody Architecture

CoinPayments holds your funds. NOWPayments controls your crypto. You trust they won't freeze your account.

That's not ownership. That's faith in a third party.

Larecoin never touches merchant funds.

The self-custody model means:

• Merchants maintain complete control

• Zero freeze risk from processor issues

• Direct wallet-to-wallet transfers

• No counterparty risk

If regulators come after the processor, your funds stay untouched. If the platform experiences issues, you're protected.

This is Web3 architecture done right.

NFT Receipts: Compliance Meets Innovation

Every transaction generates an NFT receipt.

Transaction metadata stored permanently on-chain. Immutable proof of payment. Built-in audit trail.

For merchants, this means:

• Automated record-keeping

• Regulatory compliance simplified

• Dispute resolution with verifiable data

• No manual reconciliation needed

For customers, it's proof of purchase that can't be lost, altered, or disputed.

Traditional processors provide database entries. Larecoin provides blockchain-verified receipts.

The compliance advantages are massive: especially as regulators demand more transaction transparency.

Push-to-Card Services

Crypto in. Fiat spending out.

Merchants convert LARE to LUSD instantly. Push to linked prepaid debit cards. Spend as traditional currency.

No waiting 2-3 days like traditional processors. No complex withdrawal processes.

The flow:

1. Receive payment in LARE

2. Convert to LUSD (instant)

3. Push to card (instant)

4. Spend anywhere cards are accepted

This bridges Web3 payments and traditional commerce seamlessly.

Multi-Wallet Management

Enterprise merchants need sophisticated infrastructure.

Multiple locations. Different product lines. Varied operational needs.

Larecoin's master and sub-wallet architecture handles it.

Features include:

• Centralized dashboard for all locations

• Real-time visibility across operations

• Individual location autonomy

• Custom parameter settings per wallet

• Consolidated reporting

Manage everything from one interface. Give locations the flexibility they need. Maintain oversight you require.

CoinPayments and NOWPayments offer basic multi-location support. Larecoin built enterprise-grade wallet management from the ground up.

CoinPayments vs. NOWPayments vs. Larecoin

Let's compare directly.

Fee Structure:

• CoinPayments: 0.5% + potential monthly fees

• NOWPayments: 0.4-0.5% + network fees

• Larecoin: Gas-only (0.01-0.05% effective)

Settlement Speed:

• CoinPayments: 2-3 days

• NOWPayments: 1-2 days

• Larecoin: 60 seconds

Custody Model:

• CoinPayments: Platform holds funds

• NOWPayments: Platform holds funds

• Larecoin: Merchant self-custody

Compliance Framework:

• CoinPayments: Reactive compliance

• NOWPayments: Standard regulatory approach

• Larecoin: Native CLARITY Act, NYDFS-ready

Volatility Protection:

• CoinPayments: Merchant manages risk

• NOWPayments: Merchant manages risk

• Larecoin: Automatic LUSD conversion

The differences aren't marginal. They're fundamental.

Built on Solana Technology

Speed matters. Fees matter.

Larecoin leverages Solana's infrastructure for lightning-fast transfers and near-zero fees.

The LareBlocks Layer 1 processes 4,500+ transactions per second. Near-instant finality. Scalable architecture that grows with demand.

Traditional processors layer fees on top of blockchain costs. Larecoin passes through only actual gas costs.

No markup. No hidden charges. Just transparent, predictable pricing.

The Migration Path

Switching payment processors sounds complicated.

It's not.

The Larecoin onboarding process:

1. Create merchant account (10 minutes)

2. Complete KYC verification (24-48 hours)

3. Set up wallet infrastructure (15 minutes)

4. Integrate API or use merchant portal (varies)

5. Start accepting payments

Support throughout. Documentation for every step. Migration assistance available.

Most merchants process their first transaction within 72 hours.

Explore our merchant solutions and get started at Larecoin.

The Alternative You've Been Waiting For

Crypto payment processing hasn't evolved.

Same percentage-based fees. Same custody risks. Same compliance uncertainties.

Larecoin breaks the pattern.

Gas-only pricing saves 50%+ on fees. Self-custody eliminates counterparty risk. Native compliance prevents regulatory headaches. LUSD integration solves volatility.

This is what Web3 payments should be.

The choice is simple: keep paying percentage-based fees to platforms that control your funds, or switch to the gas-only model that puts you in control.

The alternative isn't coming. It's here.

Ready to reduce your merchant fees by 50%+? Join merchants already saving thousands monthly with Larecoin's Web3 payment infrastructure.