The Ultimate Guide to Receivables Tokens: How Larecoin Cuts Interchange Fees Over 50% (While CoinPayments Can't)

Interchange fees are killing merchants.

Visa and Mastercard take 2-3% of every transaction. Payment processors like CoinPayments and NOWPayments claim they're the crypto alternative. But here's the truth: they're still charging fees that eat into margins, and they're not solving the real problems.

Larecoin changes the game with receivables tokens: blockchain-based NFT receipts that automatically generate with every payment. Combined with self-custody architecture, LUSD stablecoin settlement, and rigorous US compliance, we're cutting interchange fees by over 50% while giving merchants full control of their funds.

Let's break down exactly how this works.

What Are Receivables Tokens?

Receivables tokens are programmable digital assets that represent each transaction on the blockchain.

Think of them as NFT receipts that generate automatically when a customer pays. Each token contains:

• Transaction timestamp

• Payment amount

• Sender and receiver wallet addresses

• LUSD stablecoin settlement data

• Cryptographic verification

These tokens are minted instantly on LareBlocks Layer 1 and stored permanently on-chain. No CSV files. No waiting until month-end for reconciliation. Everything's verifiable in real-time.

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The key difference? Traditional payment processors give you a receipt. Larecoin gives you an immutable, tradeable asset that serves as receipt, tax documentation, and accounting record simultaneously.

For B2B payments, this gets even better. Merchants can create invoices as NFT-backed receivable tokens via smart contracts. Instead of waiting Net 30, 60, or 90 days for payment, these tokens are instantly tradeable or redeemable. You've just converted slow-moving invoices into liquid capital.

The Real Cost: Fee Comparison Breakdown

Here's where things get interesting.

CoinPayments: 0.5% processing fee NOWPayments: 0.5% processing fee (1% for custody solutions) Larecoin: 0.5% processing fee

Wait: same fees? So what's the difference?

The 50%+ savings don't come from lower processing fees alone. They come from eliminating the hidden costs that traditional crypto processors and card networks pile on:

Hidden Costs You Avoid with Larecoin:

• No custody fees (self-custody architecture)

• No withdrawal fees to external wallets

• No conversion fees between cryptocurrencies

• No monthly account fees

• No chargeback fees (blockchain payments are final)

• No PCI compliance costs

• No terminal rental fees

When you add up everything merchants pay to accept traditional payments: interchange fees, gateway fees, terminal costs, chargeback protection, PCI compliance: you're looking at 3-5% of revenue disappearing.

Larecoin's 0.5% processing fee includes instant settlement to your self-custody wallet in under 10 seconds. You control the private keys. You control the funds. No intermediary holds your money hostage.

That's the 50%+ savings.

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Why CoinPayments and NOWPayments Miss the Mark

Let's be direct about what CoinPayments and NOWPayments don't offer:

No Receivables Tokens Neither platform generates blockchain-verified receivable tokens. You get basic transaction records, not programmable NFT assets you can trade or use as collateral.

No Self-Custody by Default CoinPayments holds your funds in their custody. You're trusting a third party with your crypto. NOWPayments offers custody solutions but charges extra for non-custodial options.

No Automatic LUSD Conversion Merchants receive whatever cryptocurrency customers pay with. No automatic conversion to LUSD stablecoin means you're exposed to volatility risk every single day.

No NFT Receipt Generation You get email confirmations. Maybe API callbacks. But no on-chain, cryptographically verified NFT receipts that serve as permanent proof of transaction.

No Real-Time Blockchain Records Transaction data lives in their databases. If their system goes down, your records are inaccessible. Larecoin stores everything on LareBlocks Layer 1: immutable and always available.

Self-Custody Architecture: Your Keys, Your Crypto

This matters more than merchants realize.

When you use CoinPayments, they control your private keys. You're essentially using a custodial exchange disguised as a payment processor. You don't own your crypto: they do.

Larecoin flips this completely.

Here's how self-custody works:

• You generate your wallet

• You control your private keys

• Payments settle directly to your wallet in under 10 seconds

• No withdrawal requests needed

• No waiting periods

• No custody risk

If Larecoin disappeared tomorrow, you'd still have full access to your funds. Can CoinPayments or NOWPayments say the same?

This isn't just about philosophy. It's about security, control, and regulatory clarity. Self-custody means you're not relying on a third party's solvency or banking relationships.

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LUSD Stablecoin: The Secret Weapon

Volatility kills crypto adoption for merchants.

You accept Bitcoin at $50,000. Three hours later it's at $48,000. You just lost 4% of your revenue to market swings. Repeat this across hundreds of transactions, and the volatility risk becomes unmanageable.

LUSD changes everything.

Larecoin automatically converts incoming payments to LUSD stablecoin at settlement. Customers can pay with whatever crypto they want: BTC, ETH, SOL, LARE: but merchants receive stable value.

LUSD Benefits:

• Decentralized stablecoin backed by Ether

• No centralized issuer that can freeze funds

• Algorithmic stability without counterparty risk

• Instant conversion at settlement

• No volatility exposure for merchants

CoinPayments and NOWPayments don't offer automatic stablecoin conversion. You're on your own to manage exchange risk.

NFT Receipts That Actually Work

Every Larecoin transaction generates an NFT receipt.

These aren't collectible JPEGs. They're functional blockchain records with real utility:

For Merchants:

• Instant proof of payment

• Immutable audit trail

• Automated accounting reconciliation

• Cryptographic verification

• Portable records across systems

For Customers:

• Permanent receipt storage

• No lost email confirmations

• Verifiable purchase history

• Potential rewards tied to NFT ownership

Want to offer loyalty points? Tie them to NFT receipts. Want to prove compliance for an audit? Every transaction is verifiable on-chain with timestamps and cryptographic signatures.

Neither CoinPayments nor NOWPayments generate NFT receipts. You're stuck with traditional database records that can be altered or lost.

B2B Applications: Invoicing Reinvented

Here's where receivables tokens become powerful for business payments.

Traditional B2B invoicing is broken. You send an invoice, wait 30-90 days for payment, and tie up capital in accounts receivable. Working capital gets locked up when you need it most.

Larecoin's B2B Solution:

• Create invoices as NFT-backed receivable tokens

• Smart contracts automate payment terms

• Tokens are instantly tradeable on secondary markets

• Buyers can pay immediately or use financing

• Sellers get immediate liquidity

You've just converted slow-moving AR into liquid assets. Factor these tokens, use them as collateral, or trade them: all without waiting months for payment.

CoinPayments and NOWPayments don't offer programmable invoice tokens. They process payments. That's it.

US Compliance: The Larecoin Difference

Regulatory compliance separates legitimate platforms from ticking time bombs.

Larecoin operates with rigorous US compliance:

Money Services Business (MSB) Registration Registered with FinCEN as a money services business. Full anti-money laundering (AML) and know-your-customer (KYC) compliance.

State Money Transmitter Licenses (MTL) Strategic MTL licensing in key states. We're building the regulatory infrastructure to operate nationwide without legal risk.

Self-Custody Reduces Regulatory Burden Because merchants control their own wallets, Larecoin doesn't hold customer funds. This significantly reduces regulatory complexity while increasing security.

Most crypto payment processors operate in regulatory gray areas. Some aren't properly licensed. Others avoid US markets entirely.

Larecoin is building for long-term compliance. When regulators tighten rules: and they will: platforms without proper licensing will get shut down. Merchants using those platforms will lose access to their funds.

Visit our trust page for detailed compliance documentation.

The Bottom Line

Receivables tokens aren't just a feature. They're a fundamental reimagining of how payment records work.

CoinPayments and NOWPayments offer basic crypto payment processing. They're incremental improvements over traditional processors, but they still operate with custodial architectures, lack stablecoin settlement, and don't generate on-chain verifiable records.

Larecoin delivers:

• 0.5% processing fees with no hidden costs

• Self-custody architecture (your keys, your crypto)

• Automatic LUSD stablecoin conversion

• NFT receipts for every transaction

• Receivables tokens with B2B utility

• Under 10-second settlement times

• Rigorous US compliance (MSB and MTL strategy)

The 50%+ fee savings come from eliminating all the costs traditional payment systems hide. The real advantage comes from giving merchants full control, instant settlement, and programmable blockchain records.

Ready to cut your interchange fees while gaining full control of your payments?

Start accepting payments with Larecoin or explore our merchant solutions.

This is how Web3 payments should work.