The Proven Receivables Token Framework: How Small Businesses Escape the Interchange Fee Trap

Small business owners. You're bleeding money.

Every swipe. Every tap. Every transaction.

Interchange fees eat 2-4% of your revenue. That's thousands annually. Tens of thousands for growing businesses.

Traditional payment processors don't care. They profit from your pain.

Time to escape the trap.

The Interchange Fee Problem Nobody Talks About

Credit card networks have built a system designed to extract maximum value from merchants.

Here's the brutal math:

• Average interchange fee: 1.5-3.5% per transaction

• Monthly processing fees: $10-50

• PCI compliance fees: $100+ annually

• Chargeback fees: $20-100 each

A business doing $500K annually? You're losing $15,000-$17,500 to fees alone.

That's an employee's salary. Marketing budget. Equipment upgrades.

Gone.

Competitors like NOWPayments and CoinPayments promised relief. They delivered partial solutions at best. Hidden fees. Conversion costs. Custody risks.

The game was rigged until now.

Enter the Receivables Token Framework

Larecoin's Receivables Token Framework changes everything.

Here's the concept: Instead of routing payments through legacy card networks, transactions happen directly on-chain. Your receivables become tokenized assets. Instant settlement. Minimal fees.

The framework operates on three pillars:

1. Tokenized Receivables – Every payment generates a blockchain-verified receipt

2. LUSD Stablecoin Settlement – No volatility. Instant liquidity.

3. Self-Custody Control – Your money. Your keys. Your rules.

This isn't theoretical. It's operational.

Small businesses using the framework report 50-70% reduction in payment processing costs.

No middlemen skimming profits. No waiting days for settlement. No chargebacks draining your account.

How the 50%+ Fee Reduction Actually Works

Let's break down the mechanics.

Traditional Processing Path: Customer → Card Network → Issuing Bank → Acquiring Bank → Processor → You

Each step takes a cut. Each step adds delay.

Larecoin Path: Customer → Blockchain → You

Two steps. That's it.

Gas fees on modern chains like Solana cost fractions of a penny. Compare that to 3% interchange.

A $100 transaction through Visa? You keep $97 (if you're lucky).

A $100 transaction through Larecoin? You keep $99.90+.

Scale that across your annual revenue. The savings compound fast.

NFT Receipts: More Than a Gimmick

Traditional receipts are worthless paper. Digital receipts clutter inboxes.

NFT receipts transform every transaction into verifiable proof.

Why this matters for your business:

• Audit-proof records – Immutable blockchain verification

• Warranty tracking – Customers can prove purchase dates instantly

• Loyalty integration – Receipts double as reward tokens

• Returns management – Fraud prevention built into every sale

Your customers get something valuable. You get operational efficiency.

CoinPayments doesn't offer this. NOWPayments doesn't either.

Larecoin does. Native functionality. No add-ons required.

Every NFT receipt ties back to your business. Brand visibility on the blockchain. Marketing that costs nothing extra.

LUSD: The Stablecoin Advantage

Crypto volatility scares merchants. Understandably.

Accept Bitcoin today. Lose 15% by tomorrow. That's not a payment solution: it's a gamble.

LUSD eliminates this entirely.

Key benefits:

• 1:1 USD peg – What you receive is what you keep

• Instant conversion – No waiting for market orders

• Cross-border simplicity – Same value everywhere

• Low gas transfers – Move funds without premium fees

Your accountant will thank you. No complex crypto-to-fiat reconciliation. No tax nightmares from volatile asset gains.

LUSD settles clean. Reports clean. Scales clean.

Compare this to competitors forcing merchants into volatile assets or charging premium conversion fees. Larecoin gives you stability by default.

Self-Custody: Non-Negotiable in 2026

Here's an uncomfortable truth.

Payment processors hold your money hostage.

Rolling reserves. Funding delays. Account freezes.

One algorithmic flag and your cash flow stops. No explanation. No recourse. No timeline.

Self-custody changes the power dynamic.

With Larecoin's framework, funds settle directly to your wallet. Not a platform wallet. Not an intermediary account. Your wallet.

You control the private keys. You decide when to move funds. You maintain 24/7 access.

NOWPayments requires custody handover. CoinPayments holds your assets on their terms.

Larecoin believes in financial sovereignty. Your business shouldn't depend on a third party's goodwill.

This isn't just philosophy. It's protection.

Why Larecoin Outperforms the Competition

Let's compare directly.

Feature	Larecoin	NOWPayments	CoinPayments
Fee Reduction	50%+	15-25%	20-30%
NFT Receipts	✓ Native	✗	✗
Stablecoin Settlement	LUSD Built-in	Limited Options	Extra Fees
Self-Custody	Full Control	Platform Custody	Platform Custody
Chargeback Protection	Blockchain-verified	Partial	Partial

The numbers don't lie.

Larecoin was built for merchants who want more than crypto acceptance. It's a complete receivables infrastructure designed to maximize what you keep.

Every feature connects. NFT receipts verify transactions. LUSD ensures stability. Self-custody guarantees access. The framework integrates seamlessly.

Competitors bolt on features. Larecoin engineered them as one system.

Implementation: Easier Than You Think

Getting started doesn't require a blockchain engineering degree.

Step 1: Set up your Larecoin merchant wallet

Step 2: Connect to your existing checkout flow

Step 3: Accept payments in LUSD or convert automatically

Step 4: Watch funds settle in real-time

Integration takes hours, not weeks. API documentation is clear. Support team responds fast.

Your customers won't notice a complicated process. They'll see a payment option that works.

You'll notice the difference when reconciliation takes minutes instead of days. When fees shrink by half. When cash flow becomes predictable.

The Bottom Line for Small Business Owners

Interchange fees are a tax on doing business. A tax you've been told to accept.

Larecoin's Receivables Token Framework proves there's another way.

Here's what you gain:

• 50%+ reduction in processing costs

• NFT receipts for bulletproof record-keeping

• LUSD stability without crypto volatility

• Complete self-custody of your funds

• Zero dependency on legacy payment networks

The businesses adopting this framework now will outcompete those stuck in the old system. Lower costs mean better margins. Better margins mean growth.

Financial sovereignty isn't just for institutions. It's for every coffee shop, every e-commerce store, every service provider tired of watching profits disappear to fees.

The interchange fee trap has an exit.

Ready to escape?

Visit larecoin.com and set up your merchant account today. Join the Larecoin Community to connect with other businesses already saving thousands.

Your revenue deserves better. Larecoin delivers.