Why Larecoin Will Change the Way You Accept Web3 Global Payments (And Why CoinPayments and NOWPayments Can't Keep Up)

The Web3 payments space is crowded. Dozens of crypto payment processors promising the same thing: lower fees, faster settlements, global reach.

But here's the reality. Most of them are just legacy finance wearing a blockchain costume.

CoinPayments? Custodial. NOWPayments? Limited. Both? Missing the features that actually matter to merchants in 2026.

Enter Larecoin. Built different. Built better. Built for merchants who want real control over their money.

Let's break down why.

The Fee Problem Nobody Wants to Talk About

Traditional payment processors love their fees. 2.9% here. 3.5% there. International transactions? Add another 1-2%.

Run the math on $100,000 in monthly revenue. That's potentially $60,000 annually disappearing into processor pockets.

Larecoin's approach:

• 1.5% transaction fee

• Minimal gas fees (fractions of a cent)

• No hidden withdrawal charges

• No monthly minimums

Annual cost on that same $100K monthly revenue? Approximately $18,600.

That's a 69% reduction in payment processing costs. Real money. Back in your pocket.

LUSD: The Stablecoin That Actually Makes Sense

Here's where Larecoin pulls ahead of the pack.

LUSD isn't just another stablecoin. It's the backbone of gas-only transfers within the Larecoin ecosystem.

What does that mean for you?

• Transfer LUSD with only gas costs

• No percentage-based fees eating your margins

• Predictable, minimal transaction costs

• Perfect for high-volume merchants

NOWPayments offers limited stablecoin options. CoinPayments charges withdrawal fees on top of transaction fees. Neither gives you gas-only transfer capabilities as a core feature.

LUSD changes the game. Period.

Instant Settlement vs. The 3-5 Day Wait

Traditional processors hold your money hostage. "Processing time," they call it. 3-5 business days before you see your funds.

That's your working capital. Sitting in someone else's account. Earning them interest.

Larecoin settles instantly.

Transaction complete? Funds in your wallet. No waiting. No processing delays. No begging for faster access to your own money.

For businesses managing cash flow, this isn't a nice-to-have. It's essential.

NFT Receipts: Your New Best Friend at Tax Time

This is the feature that makes accountants smile.

Every Larecoin transaction generates an NFT receipt. Not a PDF. Not a spreadsheet export. An immutable, on-chain, cryptographically verified proof of payment.

Why this matters:

• Timestamped and verifiable

• Cannot be altered or disputed

• Simplifies audit trails

• Eliminates reconciliation headaches

• Reduces chargeback fraud potential

CoinPayments gives you standard statements. NOWPayments offers basic transaction histories. Neither provides immutable NFT documentation as core functionality.

When the auditor comes knocking, you'll have blockchain-verified proof of every transaction. Try disputing that.

Self-Custody: Your Money, Your Wallet, Your Rules

Here's the uncomfortable truth about most crypto payment processors.

They're custodial.

CoinPayments holds your funds. NOWPayments holds your funds. You're trusting a third party with your revenue.

What happens when:

• They freeze your account?

• They impose withdrawal limits?

• They decide you're "high risk"?

• They go bankrupt?

You're stuck. Your money is stuck. And there's not much you can do about it.

Larecoin operates differently.

Funds go directly to your wallet. Not Larecoin's wallet. Yours.

Self-custody architecture means:

• No account freezes affecting your funds

• No withdrawal limits imposed by third parties

• No counterparty risk

• Complete financial sovereignty

Your keys. Your crypto. Your business.

The Competitor Breakdown

Let's get specific about what you're missing with the alternatives.

NOWPayments

• 0.5% transaction fee (sounds good, right?)

• Limited stablecoin support

• No NFT receipt functionality

• Custodial model

• No gas-only transfer options

CoinPayments

• 0.5% transaction fee

• Plus withdrawal fees

• Centralized custody

• Standard PDF statements

• No immutable receipt system

Larecoin

• 1.5% transaction fee

• Gas-only LUSD transfers

• NFT receipts on every transaction

• Full self-custody

• Instant settlement

• US compliance (MSB + state MTL strategy)

The 1% difference in base fees? Easily offset by:

• No withdrawal fees

• Gas-only stablecoin transfers

• Reduced audit costs

• Eliminated chargeback disputes

• Instant access to working capital

US Compliance: Built for Legitimacy

Here's something the crypto payment space desperately needs: legitimate US compliance.

Larecoin isn't operating in regulatory gray zones. The platform pursues a rigorous compliance strategy:

• MSB (Money Services Business) registration

• State MTL (Money Transmitter License) strategy

• Built for long-term regulatory clarity

Why does this matter?

Because merchants need payment processors that won't disappear when regulators come asking questions. Larecoin is building for the long game. Compliance-first. Sustainable. Legitimate.

No shortcuts. No hoping regulators don't notice. Proper licensing. Proper structure.

Who Should Be Using Larecoin?

Larecoin makes sense for:

E-commerce merchants tired of 3% payment processing eating margins

International businesses dealing with cross-border payment headaches

High-volume sellers where 1% savings translates to serious money

Web3-native businesses who understand self-custody value

Any merchant who wants audit-proof transaction records

Freelancers and contractors accepting global payments

If you're processing significant volume and crypto-curious (or crypto-native), Larecoin deserves your attention.

The 10-Year Vision

This isn't a flash-in-the-pan crypto project.

Larecoin is running a 10-year blog marathon. Building. Shipping. Documenting. The team is here for the long haul.

The Web3 payments space will consolidate. Weak players will disappear. Regulated, compliant, feature-rich platforms will dominate.

Larecoin is positioning for that future. Today.

Getting Started

Ready to cut your payment processing costs? Want NFT receipts for every transaction? Interested in true self-custody?

Here's your next step:

Visit larecoin.com and explore the ecosystem.

Join the Larecoin Community to connect with other merchants.

Read the Whitepaper to understand the full technical architecture.

The future of Web3 payments is self-custody, instant settlement, and immutable receipts. CoinPayments and NOWPayments are stuck in the custodial past.

Larecoin is building what comes next.

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This post is part of the Larecoin 10-Year Blog Marathon. Follow along as we document the evolution of Web3 payments.