The Receivables Token Framework: How to Slash Merchant Fees by 50% and Own Your Financial Future

Traditional payment processors are bleeding merchants dry.

Every swipe. Every tap. Every transaction. You're losing 2.5% to 3.5% in interchange fees. That's money straight out of your pocket. Money that should fuel growth, not line the pockets of legacy financial institutions.

It's 2026. There's a better way.

Welcome to the Receivables Token Framework: Larecoin's answer to merchant fee tyranny. We're not talking incremental savings here. We're talking about slashing your processing costs by 50% or more. And that's just the beginning.

The Merchant Fee Problem Is Worse Than You Think

Let's break it down.

Average merchant? Pays around $10,000 annually in credit card processing fees. High-volume businesses? Try $50,000 to $100,000+. Every. Single. Year.

That's not a fee. That's a tax on doing business.

Traditional processors like Visa and Mastercard have built empires on these interchange fees. They've convinced the world this is just "the cost of doing business."

It's not.

Enter the Receivables Token Framework

The Receivables Token Framework transforms how merchants handle payments at the blockchain level.

Here's the core concept: Instead of routing transactions through multiple intermediaries (each taking their cut), Larecoin converts payment obligations into digital tokens on-chain. Direct. Efficient. Transparent.

What does this mean for you?

• No middlemen skimming percentages

• Settlement in minutes, not days

• Complete visibility into every transaction

• Full ownership of your payment data

Traditional receivables financing? Weeks of negotiation. Banks advancing funds at steep interest rates. Endless paperwork.

Tokenized receivables through Larecoin? Instant liquidity. Better rates. Zero bureaucracy.

How We Actually Slash Fees by 50%+

Numbers don't lie.

Traditional payment processing involves:

• Interchange fees (1.5% - 2.5%)

• Assessment fees (0.13% - 0.15%)

• Payment processor markup (0.5% - 1%)

• Monthly fees, statement fees, PCI compliance fees

Add it all up. You're hemorrhaging money.

Larecoin's framework eliminates most of these layers. Smart contracts handle what used to require entire departments. Blockchain settlement replaces slow, expensive clearinghouses.

The math is simple:

Cost Component	Traditional	Larecoin
Processing Fee	2.5% - 3.5%	1% - 1.5%
Settlement Time	2-3 days	Minutes
Chargeback Risk	High	Minimal
Data Ownership	Processor	You

That's not marketing fluff. That's fundamental infrastructure improvement.

NFT Receipts: More Than Just a Gimmick

Let's talk about NFT receipts.

Most people hear "NFT" and think of overpriced JPEGs. Fair. But NFT technology has legitimate business utility: especially for receipts and transaction records.

Why NFT receipts matter:

• Immutable proof of purchase. No disputes about what was bought, when, or for how much.

• Automatic warranty tracking. Smart contracts can trigger warranty claims automatically.

• Loyalty program integration. Every receipt becomes a loyalty touchpoint.

• Returns made simple. No more digging through email for receipts.

For merchants, this means fewer chargebacks. Fewer disputes. Better customer relationships.

For customers? A verifiable transaction history they actually control.

Competitors like NOWPayments and CoinPayments offer basic crypto acceptance. That's table stakes in 2026. They don't give you NFT receipt infrastructure. They don't give you receivables tokenization. They give you a payment gateway and call it innovation.

Larecoin gives you a complete financial operating system.

LUSD: The Stablecoin Advantage

Crypto volatility scares merchants. We get it.

Nobody wants to accept $100 in payment and have it worth $80 by end of day. That's not a business model. That's gambling.

LUSD solves this.

Larecoin's stablecoin maintains dollar parity while giving you all the benefits of blockchain infrastructure:

• Instant settlement. No waiting for banks to process.

• 24/7 operation. Business doesn't stop for bank holidays.

• Global reach. Accept payments from anywhere without currency conversion nightmares.

• Lower fees. Stablecoin transfers cost a fraction of traditional wire fees.

LUSD isn't just another stablecoin. It's purpose-built for merchant payments. Gas-optimized transfers. Push-to-card functionality. Real utility for real businesses.

Self-Custody: Own Your Financial Future

Here's the uncomfortable truth about traditional payment processing:

You don't own your money until it hits your bank account.

Processors can hold funds. Freeze accounts. Implement rolling reserves. They have that power because they control the infrastructure.

Self-custody changes everything.

With Larecoin's framework, you control your keys. You control your funds. No intermediary can decide to "hold" your money for 90 days because they don't like your industry.

Self-custody means:

• Immediate access to your revenue

• No arbitrary account freezes

• No processor deciding you're "too risky"

• Complete financial sovereignty

This isn't just about convenience. It's about survival. Ask any merchant who's had their account frozen during a critical business period. Self-custody isn't a feature. It's a necessity.

Why Larecoin Beats the Competition

Let's be direct.

NOWPayments offers basic crypto payment acceptance. CoinPayments has been around since 2013 and shows its age. Both provide gateway services. Neither provides a complete receivables infrastructure.

Where Larecoin pulls ahead:

Feature	Larecoin	NOWPayments	CoinPayments
Receivables Tokenization	✓	✗	✗
NFT Receipts	✓	✗	✗
Native Stablecoin	LUSD	✗	✗
True Self-Custody	✓	Partial	Partial
Push to Card	✓	✗	✗
Metaverse Ready	✓	✗	✗

We're not competing on the same playing field. They're building payment gateways. We're building financial infrastructure for the next decade.

Getting Started Is Simple

Ready to slash your merchant fees?

Step 1: Visit larecoin.com and explore the ecosystem.

Step 2: Set up your self-custody wallet.

Step 3: Integrate the Receivables Token Framework into your payment flow.

Step 4: Start saving immediately.

No lengthy onboarding. No invasive underwriting. No waiting weeks for approval.

The traditional financial system was designed to extract value from merchants. Larecoin was designed to return that value to you.

The Bottom Line

Merchant fees are optional.

That sounds radical. It's not. It's just blockchain technology applied correctly.

The Receivables Token Framework isn't theoretical. It's operational. Merchants are using it today to cut processing costs in half while gaining complete financial sovereignty.

You can keep paying 3% on every transaction. You can keep waiting days for settlement. You can keep hoping your processor doesn't decide to freeze your account.

Or you can own your financial future.

The choice is obvious. The technology is ready. The only question is whether you're ready to stop letting traditional processors extract value from your business.

Slash your fees. Own your data. Control your funds.

Welcome to Larecoin.