Why Everyone Is Talking About Receivables Tokens (And Why Your Small Business Should Too): Fee Savings, NFT Receipts, and Full Custody

Receivables tokens are the hottest topic in Web3 payments right now.

And for good reason.

Small businesses are tired. Tired of waiting 30-90 days for client payments. Tired of watching banks and factoring companies chip away at their margins. Tired of handing over custody of their hard-earned revenue to institutions that don't have their best interests at heart.

Enter receivables tokens: blockchain-based digital assets that flip the script on traditional payment processing.

Let's break down why everyone's buzzing about them. And why your small business needs to pay attention.

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What Exactly Are Receivables Tokens?

Simple version: receivables tokens convert your unpaid invoices into tradeable blockchain assets.

Instead of waiting months for a client to pay up, you tokenize that invoice. Sell it immediately for cash. Move on with your business.

No bank loans. No factoring company fees. No middlemen taking their cut.

This isn't theoretical. It's happening right now. Businesses across the globe are using receivables tokenization to unlock working capital in hours: not weeks.

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Fee Savings: Cut Your Costs by Half (Or More)

Here's the painful truth about traditional payment processing:

• Credit card interchange fees eat 2-4% per transaction

• Bank loans charge interest that compounds over time

• Factoring companies take 5-15% of your invoice value

• Wire transfers and SWIFT payments add more fees on top

That's money walking right out of your business.

Receivables tokens change the game.

When you tokenize receivables through a Web3 payment solution like Larecoin, you bypass the traditional intermediaries entirely. You deal directly with the blockchain. Direct investor exposure. Lower financing costs.

The result? Potential savings of 50% or more on your transaction fees.

Compare that to NOWPayments, which still charges processing fees on every transaction. Or CoinPayments, where fees can stack up quickly depending on your volume.

Larecoin's approach is different. Our receivables token model keeps more money in your pocket. Period.

Check out our detailed comparison: Larecoin vs CoinPayments vs NOWPayments

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NFT Receipts: Immutable Records That Work For You

Every transaction on Larecoin can generate an NFT receipt.

Not a gimmick. A game-changer.

Here's what NFT receipts deliver:

• Permanent, tamper-proof records stored on-chain

• Automatic audit trails that can't be altered or "lost"

• Verifiable proof of payment for every transaction

• Reduced disputes with clients and vendors

• Simplified accounting integration

Traditional receipts? They get lost. They get disputed. They create headaches during audits.

NFT receipts eliminate all of that.

Every transaction you process becomes a permanent, immutable record on the blockchain. Your accountant will thank you. Your auditors will thank you. Your future self will definitely thank you.

NOWPayments and CoinPayments don't offer this functionality. They process payments, sure. But they don't give you ownership of your transaction history the way NFT receipts do.

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LUSD Benefits: Stability Meets Decentralization

Let's talk stablecoins.

LUSD (Larecoin's stablecoin) offers the stability of the dollar without the volatility of traditional crypto assets.

For small businesses, this matters. A lot.

Here's why:

• Predictable value for accounting and pricing

• Instant settlement without bank delays

• Global acceptance across the Larecoin ecosystem

• No currency conversion headaches for international transactions

When your customers pay in LUSD, you know exactly what you're getting. No surprise price swings. No guessing what your revenue will be worth tomorrow.

Plus, LUSD integrates seamlessly with Larecoin's receivables token infrastructure. Invoice in LUSD. Get paid in LUSD. Cash out when you want.

CoinPayments supports multiple cryptocurrencies, but managing volatility becomes your problem. NOWPayments offers stablecoin options, but the fee structures often eat into your margins.

Larecoin's LUSD solution keeps things simple. Stable value. Low fees. Full control.

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Full Self-Custody: Your Money, Your Rules

This is the big one.

Traditional payment processors hold your money. Banks hold your money. Factoring companies hold your money.

With Larecoin? You hold your money.

Full self-custody means:

• Operational funds stay in YOUR digital wallets

• No dependence on financial institutions

• Reserves maintained in stablecoins, not bank deposits

• 24/7 access to your capital

• No account freezes or surprise holds

Think about that. No more waiting for banks to release your funds. No more payment processor holds during "reviews." No more wondering if your money is actually accessible.

Your revenue. Your wallet. Your terms.

NOWPayments and CoinPayments both require various levels of custody handoff. Larecoin doesn't.

Want to learn more about going bank-free? Read our guide: The Fastest Way to Go Bank-Free

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Larecoin's Rigorous US Compliance: MSB and State MTL Strategy

Here's where Larecoin separates from the pack.

We're not just another crypto payment processor hoping regulators don't notice us.

Larecoin operates as a registered Money Services Business (MSB). We're actively pursuing state Money Transmitter Licenses (MTLs) across the United States.

What does this mean for you?

• Legal protection for your business

• Regulatory clarity in an uncertain landscape

• Institutional-grade compliance without institutional fees

• Long-term viability as crypto regulations evolve

NOWPayments operates primarily outside the US regulatory framework. CoinPayments has faced compliance questions over the years.

Larecoin is built for the US market. Built for businesses that need regulatory certainty. Built for the long haul.

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Why Small Businesses Should Care Right Now

Let's summarize the value stack:

Feature	Larecoin	NOWPayments	CoinPayments
Fee Savings	Up to 50%+	Standard fees	Variable fees
NFT Receipts	✅ Yes	❌ No	❌ No
Self-Custody	✅ Full	⚠️ Partial	⚠️ Partial
Stablecoin (LUSD)	✅ Native	⚠️ Third-party	⚠️ Third-party
US Compliance	✅ MSB + MTL	⚠️ Limited	⚠️ Limited

The math is simple.

Lower fees + NFT receipts + full custody + stablecoin stability + regulatory compliance = competitive advantage.

Your business keeps more revenue. Your records stay permanent and verifiable. Your money stays in your control. Your operations stay legally sound.

That's not incremental improvement. That's transformation.

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Global Reach Without Geographic Limitations

One more thing.

Receivables tokens don't care about borders.

Your client in Tokyo pays the same way as your client in Texas. No SWIFT delays. No currency conversion fees. No international wire headaches.

Blockchain infrastructure enables truly borderless operations. Your invoice gets tokenized the same way regardless of where your customer sits.

For small businesses looking to scale internationally, this is massive. Traditional payment rails create friction at every border. Receivables tokens eliminate that friction entirely.

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Your Next Move

Receivables tokens aren't the future anymore.

They're the present.

Small businesses adopting this technology today are building competitive moats that traditional businesses can't easily cross. Lower costs. Better records. Complete financial sovereignty.

Larecoin is leading this charge with purpose-built infrastructure for the US market. MSB registration. State MTL strategy. Native stablecoin. NFT receipts. Full self-custody.

Everything you need to modernize your payment operations.

Ready to see what receivables tokens can do for your business?

Explore Larecoin and join the merchants who are already saving 50% on interchange fees while maintaining complete control of their revenue.

The conversation about receivables tokens is happening right now.

Time to join it.