The Proven Receivables Token Framework: How to Accept Crypto and Keep 100% Control of Your Funds

Your money. Your wallet. Your rules.

That's the promise of the Proven Receivables Token Framework: and it's not just marketing fluff. It's a fundamental shift in how merchants handle crypto payments.

Traditional payment processors? They hold your funds hostage. Settlement delays. Account freezes. Withdrawal limits. The whole system designed to keep your money out of your hands.

Not anymore.

The Problem With Payment Processors Today

Here's the ugly truth about platforms like NOWPayments, CoinPayments, and Triple-A.

They sit between you and your money.

You accept a payment. The funds land in their custody. Then you wait. Days. Sometimes weeks. And if their compliance team gets spooked? Your account gets frozen. No warning. No recourse.

This isn't financial freedom. It's financial dependence with extra steps.

Merchants lose an estimated 3-5% per transaction through traditional payment rails. That's before you factor in:

• Settlement delays (2-7 business days)

• Currency conversion fees

• Chargeback disputes

• Unexpected account holds

Running a global business shouldn't require permission from gatekeepers.

What Is the Receivables Token Framework?

The Receivables Token Framework converts future payment obligations into tradeable digital tokens on the blockchain.

Simple concept. Massive implications.

Instead of waiting for payment processors to settle your funds, you tokenize those receivables instantly. The result? Immediate liquidity. Complete self-custody. Zero intermediaries.

Think about what this means for your cash flow.

A customer pays you in crypto. That payment becomes a receivable token that settles directly to your wallet. No middleman. No delays. No one asking permission to access your own money.

This is what Web3 global payments actually looks like.

Self-Custody: The Core Principle

Self-custody merchant accounts change everything.

Here's what you get:

Direct wallet settlement. Receivable tokens land directly in your wallet. Not a platform's wallet. Yours.

Zero platform risk. If a processor goes bankrupt tomorrow, your funds stay safe. They're already in your custody.

No account freezes. Centralized compliance teams can't lock what they don't control.

No withdrawal limits. Access your money. Whenever you want. However much you want.

Global operation without gatekeepers. Accept payments from anywhere. No bank approval required.

Compare this to CoinPayments or NOWPayments, where your funds sit in custodial limbo until they decide you can have them.

The difference isn't subtle. It's foundational.

How the Framework Actually Works

Three mechanisms power everything.

Tranching

Not all receivables carry the same risk profile. The framework segments them into tiers.

Want stable, predictable cash flow? Choose senior tranches. Lower yield, lower risk.

Need higher returns and can handle volatility? Junior tranches offer bigger upside.

You decide based on your business needs. Not some algorithm at a payment processor.

Over-Collateralization

Smart contracts automatically secure tokenized receivables with excess collateral.

If something goes wrong? Code handles it. Not a customer service rep in another timezone.

This isn't trust-based. It's math-based.

Automated Management

Real-time data triggers instant adjustments. Your receivables rebalance automatically. No accountant required for oversight.

Traditional receivables-backed securities require lawyers, legal wrappers, and manual reporting.

This framework? Compliance requirements embed directly into tokens using standards like ERC-3643. Regulatory requirements execute automatically throughout the asset lifecycle.

NFT Receipts: Accounting Just Got Smarter

Every transaction generates an NFT receipt.

These aren't just fancy digital files. They're immutable, verifiable proofs of payment stored on-chain.

Why does this matter?

No more chargebacks. The receipt exists on the blockchain. It can't be disputed or altered.

Audit-ready documentation. Every transaction timestamped and verified. Your accountant will thank you.

Complete ownership. You control the receipts. Not a third party.

Traditional payment processors give you CSV exports and hope you can reconcile everything at tax time.

NFT receipts for accounting? That's the future of financial documentation.

And it's available now through Larecoin's merchant solutions.

LUSD Stablecoin: Stability Meets Sovereignty

Volatility kills merchant adoption.

Nobody wants to accept crypto if the value drops 15% before they can convert it.

Enter LUSD: the stablecoin version designed for merchant use.

LUSD stablecoin benefits include:

• Price stability pegged to familiar fiat values

• Same self-custody advantages as other crypto

• Gas-only transfers that reduce merchant interchange fees

• Instant settlement without conversion delays

You get the stability of traditional currency with the freedom of decentralized finance.

This is how you slash fees by 50%+ compared to credit card processing.

Why This Beats NOWPayments and CoinPayments

Let's get specific.

NOWPayments offers decent crypto payment processing. But they're custodial. Your funds sit in their system until withdrawal. Minimum thresholds apply. You're at their mercy.

CoinPayments has been around forever. Same problem. Centralized custody. Settlement delays. And if their platform gets hacked? Your funds are exposed.

Triple-A targets enterprise clients. Better infrastructure, same fundamental flaw. You don't control your keys until withdrawal completes.

The Receivables Token Framework through Larecoin?

Self-custody from moment one.

Your funds never touch a centralized platform. They settle directly to your wallet. Every single time.

This is the NOWPayments alternative merchants actually want. The CoinPayments alternative that doesn't compromise on ownership.

Crypto POS System for Small Business

Enterprise solutions dominate Web3 payment conversations.

But small businesses need this technology too.

The framework integrates with existing point-of-sale systems. Deploy in minutes. Accept crypto immediately.

No complicated onboarding. No lengthy KYC delays. No minimum transaction volumes.

A coffee shop in Berlin should have the same financial tools as a multinational corporation.

That's the democratization Web3 promised. This delivers it.

Getting Started With Larecoin

Ready to take control?

Here's your roadmap:

1. Visit the Larecoin ecosystem and review the documentation

2. Join the community forums to connect with other merchants

3. Generate your wallet keys for true self-custody

4. Integrate Web3 payments through the merchant portal

The entire setup takes minutes. Not days. Not weeks.

And once you're live? Every transaction settles to your wallet. Every payment generates an NFT receipt. Every receivable stays under your control.

The Bottom Line

Payment processors have held merchants hostage for decades.

Hidden fees. Frozen accounts. Settlement delays. The entire system built to extract value from your business.

The Receivables Token Framework flips that model.

Your funds. Your custody. Your timeline.

No intermediaries holding your money. No compliance teams freezing your account. No gatekeepers deciding when you can access what's already yours.

This is what financial sovereignty looks like for merchants.

This is bank-free business operations in action.

And it's all available through Larecoin's Web3 payment infrastructure.

Stop asking permission to use your own money.

Start accepting crypto on your terms.