The Proven Receivables Token Framework: How Merchants Are Slashing Interchange Fees by 50% Without Banks

Traditional payment processors are bleeding merchants dry.

Every swipe. Every tap. Every transaction. Visa and Mastercard extract their cut. Interchange fees gobble up 2-4% of every sale. For small businesses? That's the difference between thriving and barely surviving.

But here's the thing. There's a framework changing everything. No banks required. No centralized gatekeepers. Just pure, peer-to-peer settlement on the blockchain.

Welcome to the Receivables Token Framework.

What Is the Receivables Token Framework?

Simple concept. Powerful execution.

The Receivables Token Framework converts future payment obligations: invoices, credit card settlements, subscriptions: into tradeable digital tokens on the blockchain. These tokens bypass traditional payment processors entirely.

No Visa. No Mastercard. No intermediaries extracting value from every transaction.

Think of it like this: instead of payments flowing through centralized processors charging interchange fees, tokenized receivables settle directly between parties on-chain. Merchant to customer. Direct.

The result? 50%+ fee reductions. Real numbers. Real savings.

How Merchants Are Actually Cutting Fees in Half

Let's break down the mechanics. Three core mechanisms drive the framework's efficiency:

Tranching

Receivables get segmented into risk tiers. Merchants choose their flavor:

• Senior tranches: Stable, predictable returns. Lower risk.

• Junior tranches: Higher-yield options. More upside potential.

Cash flow needs vary. The framework adapts.

Over-Collateralization

Smart contracts automatically secure tokenized receivables with excess collateral. Defaults? Handled without human intervention. No waiting on accountants. No processing delays.

The blockchain does the heavy lifting.

Automated Management

Real-time data triggers instant adjustments. Market conditions change? The system responds. Immediately. No manual oversight required.

This isn't theoretical. This is operational.

Why Traditional Payment Processors Can't Compete

Here's the ugly truth about legacy payments:

• 2-3 business day holds on your money

• Interchange fees eating into every transaction

• Chargebacks costing you time and revenue

• Account freezes with zero warning

• Geographic limitations blocking global customers

CoinPayments charges per-transaction fees. NOWPayments adds conversion spreads. Triple-A takes their cut too.

Every alternative still involves intermediaries. Someone's always in the middle, skimming.

The Receivables Token Framework eliminates the middleman entirely. Peer-to-peer. Direct settlement. Your money. Your rules.

NFT Receipts: The Accounting Revolution

Every transaction generates an NFT receipt. Immutable. Verifiable. Permanent proof of payment.

This isn't just cool tech. This is practical infrastructure.

What NFT Receipts Enable:

• Warranty tracking with cryptographic verification

• Loyalty program integration baked into the receipt

• Fraud prevention through immutable records

• Tax automation with complete metadata

• Audit-ready documentation instantly accessible

Traditional receipts? Paper trails. Lost emails. Reconciliation nightmares.

NFT receipts for accounting transform how businesses track revenue. Every payment. Every customer. Every timestamp. All on-chain. All verifiable.

Your accountant will thank you.

LUSD Stablecoin: Predictable Value, Instant Settlement

Crypto volatility scares merchants. Understandable. Bitcoin swings 5% in an hour? That's your margin gone.

LUSD stablecoin benefits solve this problem:

• Instant fund availability: no 2-3 day holds

• Predictable value through peg stability

• Global acceptance without foreign exchange fees

• No bank dependencies for conversion

Receive payment. Funds available. Immediately.

Compare that to traditional processors holding your revenue hostage while they "verify" transactions. Or crypto alternatives requiring you to trust centralized exchanges for conversion.

LUSD keeps value stable. Settlement stays instant. Business keeps moving.

Self-Custody: Your Money, Your Control

This is non-negotiable for serious merchants.

Self-custody merchant accounts mean:

• No platform risk: your funds aren't on someone else's balance sheet

• No account freezes: nobody can lock you out

• No withdrawal limits: access everything, anytime

• No approval gates: operate without permission

Traditional processors freeze accounts constantly. Suspicious activity? Frozen. Too much volume? Frozen. Wrong industry? Frozen.

NOWPayments, CoinPayments, Triple-A: all custodial at some level. They hold your keys. They control your access.

The Receivables Token Framework flips the script. You hold your keys. You control your funds. Period.

Crypto POS System for Small Business

Implementation matters. A framework is only valuable if merchants can actually use it.

The crypto POS system for small business makes this accessible:

• Contactless payments at physical locations

• QR code integration for quick checkout

• Multi-token support for customer flexibility

• Real-time conversion to stablecoin

• Instant settlement to merchant wallet

No special hardware. No complex integrations. Just a system that works.

Small businesses get enterprise-grade payment infrastructure without enterprise-grade complexity. Set up in minutes. Start accepting payments. Slash fees immediately.

NOWPayments vs. CoinPayments vs. Larecoin

Let's compare. Direct and honest.

NOWPayments

• Per-transaction fees add up

• Custodial infrastructure

• Limited stablecoin options

• No receivables tokenization

CoinPayments

• Complex fee structures

• Conversion spreads on withdrawals

• Centralized control

• Standard crypto acceptance only

Larecoin's Receivables Token Framework

• 50%+ fee reduction through direct settlement

• Self-custody architecture: full control

• NFT receipts for transparent accounting

• LUSD stablecoin for predictable value

• Receivables tokenization for cash flow optimization

The gap is massive. Other platforms offer crypto acceptance. Larecoin offers financial infrastructure.

Real Numbers, Real Impact

Let's talk dollars.

A merchant processing $100,000 monthly through traditional processors pays approximately:

• $2,500-$4,000 in interchange fees

• Plus gateway fees

• Plus chargeback costs

• Plus currency conversion (for international sales)

Same merchant using the Receivables Token Framework:

• $1,000-$1,500 in total costs

• No hidden fees

• No conversion spreads

• Global reach included

That's $18,000-$30,000 annually. Back in your pocket. Every year.

For small businesses, that's marketing budget. Inventory. Hiring. Growth.

Getting Started

The framework works. The infrastructure exists. Implementation is straightforward.

Steps to slash your interchange fees:

1. Set up a self-custody wallet compatible with the Larecoin ecosystem

2. Integrate the crypto POS system at your physical or digital storefront

3. Configure LUSD settlement for stable value

4. Enable NFT receipts for automated accounting

5. Start accepting payments: fees drop immediately

No bank approval required. No lengthy application process. No waiting.

Visit Larecoin to explore the full ecosystem. Check the crypto section for technical details.

The Future Is Bank-Free

Banks had their run. Payment processors extracted their tolls.

That era is ending.

The Proven Receivables Token Framework represents more than fee savings. It's financial sovereignty. Complete control over your business revenue. No intermediaries. No gatekeepers. No permission required.

Merchants worldwide are already making the switch. They're keeping more of what they earn. They're operating globally without friction. They're building businesses on infrastructure they actually control.

50% fee reduction isn't a promise. It's the floor.

The question isn't whether to adopt this framework. It's how soon you can start.