The Proven Self-Custody Merchant Account Framework for Slashing Fees and Staying Bank-Free

Traditional payment processors are eating your profits. Every swipe. Every transaction. Every single day.

Banks want 2.5-3.5% of your revenue. Payment gateways add their cut. Chargebacks destroy your margins. And you're stuck waiting days: sometimes weeks: for YOUR money.

There's a better way.

Self-custody merchant accounts flip the script entirely. Your funds. Your control. Zero intermediaries skimming off the top.

Let's break down exactly how this framework works: and why merchants worldwide are ditching traditional rails for decentralized crypto payments.

The Self-Custody Revolution: What It Actually Means

Self-custody is simple. You hold your own keys. You control your own funds. No bank. No third-party custodian. No permission required.

For merchants, this translates to:

• Instant settlement : Funds hit your wallet immediately

• Drastically lower fees : Often under 1%

• No chargebacks : Crypto transactions are final

• Global accessibility : Accept payments from anywhere

• Complete financial sovereignty : Your business, your rules

The old model? You hand your money to a processor. They hold it. They decide when you get it. They charge you for the privilege.

Self-custody eliminates every middleman in that chain.

Why NOWPayments and CoinPayments Fall Short

Let's talk alternatives. NOWPayments and CoinPayments dominate the crypto payment processor space. They're decent entry points. But they come with baggage.

NOWPayments:

• 0.5-1% transaction fees

• Custodial by default

• KYC requirements for higher volumes

• Limited stablecoin options

• Settlement delays on some networks

CoinPayments:

• 0.5% base fee (plus network fees)

• Centralized custody model

• Account freezes reported by merchants

• Complex fee structures for conversions

• Third-party risk exposure

Both platforms require you to trust someone else with your funds. Both add friction between you and your money.

Larecoin's self-custody framework changes everything.

The Larecoin Self-Custody Framework: Step by Step

Here's the proven system merchants are using to slash fees and maintain complete independence.

Step 1: Set Up Your Self-Custody Wallet

Your wallet = your bank. No account applications. No approval processes. No waiting periods.

Generate your wallet. Secure your seed phrase. Done.

You're now ready to receive payments directly. No intermediary touches your funds: ever.

Step 2: Integrate Larecoin Payment Gateway

Head to Larecoin Merchants and connect your self-custody wallet.

The integration is straightforward:

• API access for custom implementations

• Payment buttons for simple setups

• QR code generation for in-person transactions

• Invoice creation for B2B payments

Your customers pay. Your wallet receives. That's the entire flow.

Step 3: Leverage LUSD for Stability

Volatility concerns? LUSD solves that.

Larecoin's stablecoin maintains dollar parity while preserving all the benefits of self-custody. Accept crypto without the price swings.

Key LUSD advantages:

• 1:1 USD peg : Predictable accounting

• Gas-only transfers : Minimal transaction costs

• Self-custodial : Still your keys, still your coins

• Instant settlement : No waiting for conversions

Price BTC or ETH? Settle in LUSD. Your books stay clean. Your funds stay accessible.

Step 4: Issue NFT Receipts

This is where Larecoin gets innovative.

Every transaction can generate an NFT receipt. Immutable. Verifiable. Permanent.

Benefits for merchants:

• Automated record-keeping : Blockchain-verified transactions

• Customer engagement : Collectible receipts build loyalty

• Dispute resolution : Irrefutable proof of purchase

• Tax compliance : Transparent, auditable records

Benefits for customers:

• Proof of purchase : Can't lose a digital receipt

• Warranty tracking : NFT-linked service records

• Collectibility : Some customers actually want these

NFT receipts aren't a gimmick. They're a genuine upgrade to traditional invoicing.

The Fee Math: Real Numbers

Let's get specific.

Traditional Credit Card Processing:

• 2.9% + $0.30 per transaction (average)

• Monthly fees: $10-50

• Chargeback fees: $15-100 per incident

• PCI compliance costs: $100-500/year

NOWPayments:

• 0.5-1% per transaction

• Network fees vary

• Conversion fees for fiat offramps

• No chargebacks (good)

CoinPayments:

• 0.5% per transaction

• Network fees additional

• Withdrawal fees apply

• Account maintenance considerations

Larecoin Self-Custody:

• Network gas fees only

• No percentage cuts

• No monthly fees

• No conversion fees within ecosystem

• LUSD transfers at gas cost only

On a $10,000 monthly volume:

Provider	Monthly Cost
Traditional CC	$290-350
NOWPayments	$50-100
CoinPayments	$50-75
Larecoin	Under $20

The savings compound. $200+ monthly. $2,400+ annually. That's real money back in your business.

Bank-Free Operations: Why It Matters

"Bank-free" isn't anti-establishment rhetoric. It's operational efficiency.

Banks add:

• Processing delays : 2-5 business days for ACH

• Account requirements : Business licenses, documentation, approvals

• Geographic restrictions : Cross-border complexity

• Arbitrary holds : Funds frozen without warning

• Hours of operation : No weekends, no holidays

Self-custody eliminates all of it.

Your Larecoin wallet works 24/7/365. Payments from Tokyo settle the same as payments from Toronto. No banker decides whether your transaction is "suspicious."

For international merchants, this is game-changing. Accept LUSD from a customer in Germany. Pay a supplier in Vietnam. Same wallet. Same speed. Same low fees.

Security Without Sacrifice

Self-custody means self-responsibility. That's the tradeoff.

But modern security practices make this manageable:

Hardware wallets : Cold storage for reserves Multi-signature setups : Require multiple approvals Hot wallet limits : Only keep operating funds accessible Backup protocols : Encrypted seed phrase storage

Larecoin's ecosystem supports all standard security configurations. Enterprise merchants can implement role-based access controls and approval workflows.

The risk profile shifts. You're no longer worried about exchange hacks or processor insolvency. You're managing your own security: which you can actually control.

Implementation Timeline

Getting started takes hours, not weeks.

Day 1:

• Create self-custody wallet

• Fund with initial LUSD or crypto

• Register at Larecoin Pay

Day 2:

• Integrate payment buttons or API

• Test transactions

• Configure NFT receipt settings

Day 3:

• Go live

• Monitor first real transactions

• Adjust gas settings if needed

Compare that to traditional merchant account applications. Weeks of paperwork. Credit checks. Underwriting reviews. Reserve requirements.

Self-custody means sovereignty. Sovereignty means speed.

The Merchant Freedom Equation

Independence isn't just about fees. It's about options.

With self-custody through Larecoin:

• No deplatforming risk : Your wallet can't be "closed"

• No revenue caps : Process unlimited volume

• No product restrictions : Sell what you sell

• No geographic limits : Global by default

• No permission required : Ever

Traditional processors have terms of service. Violations get you banned. Sometimes without warning. Sometimes without recourse.

Your self-custody wallet has no terms of service. It's software. It does what you tell it.

That's freedom. That's the future.

Ready to Cut the Cord?

The framework is proven. The math works. The technology exists today.

Merchants making the switch report 70-90% reductions in payment processing costs. They report instant settlements. They report zero chargebacks.

They report freedom.

Start here: Larecoin Merchants

Explore the ecosystem: Larecoin Whitepaper

Join the community: Larecoin Groups

Your funds. Your keys. Your business.

No bank required.