Triple-A vs CoinPayments vs Larecoin: Which Web3 Payments Solution Actually Reduces Merchant Interchange Fees by 50%+?

The Fee Problem Merchants Actually Face

Merchants lose thousands every month to payment processors.

Traditional payment rails charge 2-3% per transaction. Add interchange fees, gateway costs, and monthly subscriptions. Your margins evaporate.

Web3 promised to fix this. Most crypto payment processors didn't deliver.

They replicated the same fee structures. Different technology. Same bleeding.

Breaking Down the Real Costs

Let's get specific. A merchant processing $500,000 annually through traditional channels pays $10,000-$15,000 in fees.

That's baseline pain.

Now enter crypto payment processors. Most charge percentage-based fees plus network costs. The math still hurts.

CoinPayments Model:

• 0.5% processing fee on every transaction

• Network transaction fees on top

• Custodial setup with withdrawal fees

• At $500,000 volume: roughly $2,500+ in platform fees alone

Triple-A Model:

• Licensed financial institution across US, EU, Singapore

• Fee structure not publicly disclosed

• Enterprise-focused with custom pricing

• No transparent interchange reduction data available

Larecoin Model:

• Gas-only fees. Period.

• No percentage cuts

• No platform fees

• At $500,000 volume: under $2,000 total costs

Why Gas-Only Changes Everything

Traditional processors take a percentage because they can. They control custody. They manage settlements. They own the rails.

Web3 eliminates the middleman.

Larecoin's self-custody merchant accounts remove the need for percentage fees entirely. You pay network gas to move funds. That's it.

No platform taking 0.5%. No hidden withdrawal fees. No monthly subscriptions eating profits.

This isn't incremental improvement. It's structural disruption.

The Self-Custody Advantage

CoinPayments and most competitors hold your funds in custodial wallets. You're trusting them with your money. Waiting for settlements. Paying fees to access your own capital.

Larecoin flips this completely.

Merchants maintain full custody through smart wallet integration. Funds hit your wallet directly. No intermediary. No settlement delays. No custodial risk.

This enables true financial sovereignty. Bank-free business operations aren't just possible. They're optimized.

LUSD Stablecoin Benefits Over Competitors

Volatility kills adoption. Merchants need price stability.

Most platforms offer USDT or USDC. Both have centralization risks. Both can freeze funds. Both require trust in corporate issuers.

Larecoin leverages LUSD: Liquity's decentralized stablecoin. No central authority. No freeze functions. No counterparty risk.

For merchants, this means:

• Predictable value storage

• True decentralization

• Censorship resistance

• Algorithmic stability without corporate control

Triple-A and CoinPayments can't match this. Their stablecoin options carry centralization baggage.

NFT Receipts: Accounting Revolution

Every payment generates an NFT receipt on Larecoin.

Immutable. Timestamped. Fully auditable.

This solves merchant accounting nightmares. No more reconciling spreadsheets. No chasing paper trails. Every transaction lives permanently on-chain with complete metadata.

Tax season becomes trivial. Audit preparation takes hours instead of weeks. Financial transparency happens automatically.

Neither CoinPayments nor Triple-A offers comparable receipt infrastructure. They provide transaction data. Larecoin provides provable, programmable accounting records.

Receivables Token: Liquidity Game-Changer

Here's where Larecoin separates from all competitors.

Merchants can tokenize outstanding receivables. Turn future payments into tradeable assets. Access liquidity without loans.

This enables:

• Immediate cash flow from pending invoices

• Fractional ownership of payment streams

• Secondary markets for merchant receivables

• Zero-interest working capital solutions

CoinPayments processes payments. Triple-A settles transactions. Larecoin transforms receivables into liquid financial instruments.

No competitor offers this. The gap isn't small. It's categorical.

Global Reach Without Regional Restrictions

Triple-A requires licenses across jurisdictions. This creates compliance overhead. Limits operational flexibility. Introduces regulatory gatekeepers.

CoinPayments operates across 200+ countries but maintains custodial control. Their global reach comes with centralization tradeoffs.

Larecoin's decentralized architecture eliminates geographic constraints entirely. No licenses needed. No jurisdictional approvals. No regional restrictions.

Smart contracts don't recognize borders. Merchants operate globally by default.

Crypto POS Systems for Small Business

Small merchants need simple integration. Not enterprise complexity.

Larecoin's contactless POS system works out of the box. QR codes. NFC payments. Instant settlement. No technical expertise required.

The merchant portal provides:

• Real-time transaction monitoring

• Automated accounting exports

• Customer analytics

• Multi-currency support

CoinPayments requires technical integration. Triple-A targets enterprise clients. Larecoin serves small businesses without IT departments.

The 50%+ Fee Reduction Math

Let's make this concrete with real numbers.

Annual Volume: $500,000

Traditional Processor (2.5%): $12,500 CoinPayments (0.5% + network): $2,500-$3,000 Larecoin (gas only): $1,800-$2,000

That's 50-60% savings versus CoinPayments. 85%+ versus traditional rails.

Scale this to $2 million annually:

Traditional: $50,000 CoinPayments: $10,000-$12,000 Larecoin: $7,000-$8,000

The gap widens with volume. Percentage fees compound. Gas fees stay predictable.

What About Triple-A's "Enterprise Solution"?

Triple-A positions itself as institutional-grade infrastructure. Licensed. Regulated. Compliant.

These features matter for specific use cases. Banks. Large corporations. Regulated entities.

But licensing creates costs. Compliance adds overhead. Enterprise infrastructure demands premium pricing.

Small to medium merchants don't need this. They need efficient payments. Low fees. Direct custody.

Triple-A solves different problems for different customers. Not wrong. Just different target market.

NOWPayments Alternative Consideration

NOWPayments sits between CoinPayments and Larecoin on the spectrum. Better fees than traditional processors. Still percentage-based model.

Their 0.5-1% fee structure beats banks. Doesn't beat gas-only economics.

Merchants choosing between NOWPayments and Larecoin face clear math. Both process crypto. One takes percentage cuts. One doesn't.

At scale, this difference measures in thousands monthly. Tens of thousands annually.

The Technical Architecture Difference

CoinPayments built on centralized infrastructure. Fast. Reliable. Controlled.

Triple-A operates as licensed financial institution. Regulated. Secure. Bureaucratic.

Larecoin runs on decentralized protocols. Open-source. Permissionless. Unstoppable.

Different philosophies. Different architectures. Different outcomes.

Merchants valuing sovereignty choose decentralization. Those prioritizing regulation choose Triple-A. Those wanting middle ground choose CoinPayments.

No universal winner. Context determines fit.

Making the Decision

Your choice depends on priorities:

Choose Triple-A if:

• You need regulatory compliance documentation

• Enterprise-level support matters

• Custom integrations required

• Operating in heavily regulated industry

Choose CoinPayments if:

• You want established track record

• Custodial convenience acceptable

• 200+ cryptocurrency support needed

• Regulatory clarity preferred

Choose Larecoin if:

• Fee reduction is primary goal

• Self-custody non-negotiable

• NFT receipts valuable for accounting

• LUSD stablecoin benefits matter

• Receivables tokenization useful

• Global operation without restrictions essential

The Bottom Line

Only one platform definitively reduces merchant interchange fees by 50%+: Larecoin.

The gas-only model makes this possible. Self-custody eliminates intermediary costs. Decentralized architecture removes licensing overhead.

CoinPayments improves on traditional rails. Triple-A serves enterprise needs. Neither achieves 50%+ reduction versus traditional processing.

Larecoin does. The math is public. The architecture is transparent. The savings are verifiable.

For merchants tired of percentage fees eating margins, the answer is clear.

Ready to slash payment processing costs? Explore Larecoin and calculate your savings.

Your margins will thank you.