The Receivables Token Framework: How Larecoin Merchants Accept Crypto Without Currency Risk

The Currency Risk Problem Is Over

Volatile crypto prices kill merchant adoption.

Bitcoin swings 10% in a day. Ethereum drops 20% overnight. Merchants lose money even when they make sales.

Traditional crypto processors force you to gamble on price movements. Accept Bitcoin today at $60K. Wake up tomorrow at $54K. Your $1,000 sale just became $900.

That's not a payment system. That's a casino.

Larecoin solved this. Completely.

The Receivables Token Framework Explained

Our framework separates payment processing from cryptocurrency speculation.

Here's how it works in five steps:

Step 1: Integration Add the Larecoin payment button at checkout. Takes 10 minutes. No complex API work required.

Step 2: Accept LUSD Stablecoin Customers pay using LUSD, a stablecoin pegged 1:1 to USD. Zero volatility. Zero currency risk. Your $1,000 invoice stays $1,000.

Step 3: Tokenize Receivables Outstanding invoices convert into blockchain tokens. Listed instantly on the Larecoin marketplace. Tradeable. Liquid.

Step 4: Configure Capital Relationships Set your own discount rates. Connect directly with capital providers. No middleman taking 40% of your factoring fees.

Step 5: Monitor Cash Flow Real-time dashboard shows days to capital access. Track fee reductions. Watch your working capital improve.

Why LUSD Changes Everything

Stablecoins aren't new. LUSD is different.

Decentralized Collateral LUSD is backed by ETH, not bank reserves. No central entity can freeze funds. No government can seize assets.

Over-Collateralized Every LUSD is backed by at least 110% in ETH. Other stablecoins? They promise 1:1 backing. Hope you trust their audits.

Self-Custody Native LUSD integrates seamlessly with non-custodial wallets. You control the keys. You control the funds. Always.

Zero Counterparty Risk No bank can fail. No treasury can default. Smart contracts enforce every guarantee.

Traditional processors like NOWPayments offer "instant conversion to fiat." That's not solving currency risk, that's hiding it behind bank fees. They convert at market rates. Charge 0.5-1% conversion fees. Add 1-2% withdrawal fees. Lock your funds for 3-5 business days.

CoinPayments does the same thing. Auto-conversion sounds convenient until you see the spread markups and processing delays.

Larecoin merchants never convert. They receive stablecoins from day one. No conversion fees. No hidden spreads. No waiting.

The Technical Foundation: ERC-3475 & ERC-3643

Our receivables tokens use cutting-edge standards.

ERC-3475: Structured Finance Tokens Represents bonds with different maturity dates and interest rates. Each receivable token carries metadata, invoice date, payment terms, discount rate, merchant reputation score.

Investors can buy tokens based on risk tolerance. Short-term 30-day receivables from established merchants? Lower discount rate. Longer-term receivables from newer businesses? Higher returns.

The market decides pricing. Smart contracts enforce terms.

ERC-3643: Transfer Restriction Execution Layers regulatory compliance directly into tokens. KYC/AML requirements embedded at the protocol level. Only verified investors can purchase receivables tokens.

This isn't optional compliance. It's built-in.

Traditional factoring companies charge 2-5% per transaction. They conduct due diligence manually. Hire lawyers. Process paperwork for weeks.

Our smart contracts do it instantly. At protocol level. For fractions of a penny in gas fees.

Merchant Benefits: Why This Matters

50%+ Fee Reduction Traditional payment processors: 2.9% + $0.30 per transaction. Visa/Mastercard interchange: 1.5-3.5%. ACH fees: 0.5-1.5% + monthly charges.

Larecoin: 0.5% flat. No hidden fees. No monthly minimums. No PCI compliance costs.

On $100K monthly revenue, you save $2,400-$3,200 per month. That's $28,800-$38,400 annually.

Same-Day Settlement Receivables tokenization means instant liquidity. Don't wait 30-90 days for customer payments. Sell tokens to investors within hours.

Need $50K for inventory? List your receivables. Get capital same day.

Traditional factoring takes weeks. Requires credit checks. Demands personal guarantees. Locks you into long-term contracts.

Our marketplace operates 24/7. No gatekeepers. No loan officers. Pure peer-to-peer capital markets.

Smart Contract Escrow Chargebacks destroy merchant profitability. Friendly fraud costs businesses $31 billion annually.

Larecoin transactions are final. Smart contracts hold funds in escrow until delivery confirmation. Merchants submit proof of shipment. Contracts release payment automatically.

No chargeback fees. No disputed transactions. No lost merchandise.

NFT Receipt Infrastructure Every transaction generates an immutable NFT receipt. Permanent audit trail. Tax compliance built-in.

Connect receipts directly to accounting platforms. QuickBooks. Xero. SAP. Automatic reconciliation. Zero manual entry.

Traditional processors give you CSV exports. Hope you don't lose the file. Hope the data is accurate. Hope it imports correctly.

Our NFT receipts live on-chain forever. Verifiable. Auditable. Unfalsifiable.

Why NOWPayments Can't Compete

NOWPayments offers crypto payment processing. Let's compare:

Custody Model NOWPayments: Custodial. They hold funds. You trust them. Larecoin: Non-custodial. You hold keys. You control assets.

Settlement Options NOWPayments: Convert to fiat (fees apply). Withdraw crypto (more fees). Larecoin: Receive stablecoins directly. Zero conversion fees.

Working Capital NOWPayments: None. Wait for customer payments like everyone else. Larecoin: Tokenize receivables. Access capital immediately.

Fee Structure NOWPayments: 0.5% + network fees + conversion fees + withdrawal fees. Larecoin: 0.5% flat. Period.

Smart Contract Features NOWPayments: Basic payment processing. Larecoin: Escrow, tokenization, marketplace, NFT receipts, API integration.

They're a payment gateway. We're a financial infrastructure platform.

CoinPayments Has The Same Problem

CoinPayments supports 2,000+ cryptocurrencies. Sounds impressive until you realize that's 2,000 ways to lose money on volatility.

Their "solution" is instant conversion to fiat or stablecoins. But conversion means:

• Market rate spreads (0.5-1%)

• Conversion fees (0.5%)

• Withdrawal fees (varies)

• 3-5 day settlement to banks

You're back to traditional finance speed. With extra steps. And more fees.

Larecoin merchants never touch volatile crypto. Customers pay LUSD. Merchants receive LUSD. Investors buy receivables tokens denominated in LUSD.

One stablecoin. One ecosystem. Zero currency risk.

Self-Custody Is Non-Negotiable

Web3 payments require self-custody. No exceptions.

When processors hold your funds, they control your business. They can freeze accounts. Delay withdrawals. Impose new terms.

Larecoin merchants control their wallets. Sign their own transactions. Custody their own receivables tokens.

Banks can't freeze blockchain wallets. Governments can't seize smart contracts. Payment processors can't change the rules mid-stream.

This matters more than fee savings.

Financial sovereignty beats cheap fees. But Larecoin gives you both.

The Marketplace Advantage

Our receivables marketplace creates real-time pricing for merchant credit.

Traditional factoring:

• Call multiple factors

• Submit financial statements

• Wait for quotes

• Negotiate terms

• Sign contracts

• Wait for funding

Larecoin marketplace:

• List receivables token

• Set reserve price

• Wait for bids

• Accept best offer

• Receive funds instantly

Competitive bidding drives rates down. Transparency keeps everyone honest. Smart contracts eliminate paperwork.

You get better rates. Faster funding. Complete control.

Who This Works For

E-commerce merchants handling $50K+ monthly volume. Eliminate credit card fees. Access working capital instantly.

B2B companies with net-30 or net-60 terms. Convert receivables to cash same day. Reinvest in growth immediately.

International businesses dealing with cross-border payments. No SWIFT delays. No correspondent bank fees. No currency conversion losses.

Subscription services with predictable revenue. Tokenize future subscription payments. Raise capital without equity dilution.

Implementation Takes Minutes

No complex integration. No IT team required.

Install Larecoin payment button. Connect your self-custody wallet. Configure receivables token parameters. Start accepting LUSD payments.

Your first transaction processes in minutes. Your first receivables token lists immediately. Your first capital raise happens within hours.

Traditional payment processor onboarding: 2-4 weeks. Larecoin onboarding: 10 minutes.

The Future Of Merchant Finance

Receivables tokenization transforms working capital forever.

Every invoice becomes liquid. Every payment generates NFT receipts. Every merchant accesses institutional capital markets.

This isn't incremental improvement. This is complete infrastructure replacement.

And it's available now. Not "coming soon." Not beta testing. Live. In production. Processing real transactions.

Join the merchants who stopped gambling on crypto prices. Who stopped paying 3% to Visa. Who stopped waiting 30 days for customer payments.

Start accepting LUSD today. Tokenize receivables tomorrow. Access capital by next week.

Currency risk is optional. Most merchants just don't know it yet.

Learn more at Larecoin.com