Why Self-Custody AND Full US Compliance Will Change the Way You Accept Web3 Global Payments

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Here's the truth most crypto payment processors won't tell you.

You can have self-custody. Or you can have compliance. Pick one.

That's been the deal for years. Until now.

Welcome back to the Larecoin 10-Year Blog Marathon. Today we're tackling the elephant in the room. The one question every serious merchant asks before going Web3:

"Can I keep control of my funds AND stay legal in the US?"

Short answer: Yes. With Larecoin.

Long answer: Keep reading.

The Self-Custody Problem Nobody Talks About

Self-custody is the whole point of crypto. Your keys. Your coins. No middleman.

But here's where it gets messy.

Most crypto payment processors don't actually give you self-custody. NOWPayments? CoinPayments? They hold your funds. They control the flow. They're the gatekeepers between you and your money.

That's not Web3. That's Web2 with extra steps.

Traditional custodial models create three massive problems:

Counterparty risk. If they get hacked, you lose.
Access delays. Withdrawals on their schedule, not yours.
Hidden fees. They're holding your money. Of course they're charging you.

Meanwhile, the research is clear. Self-custodial payment models eliminate intermediary fees that traditionally eat 1.5-3% per transaction. International payments? Add another 3% on top.

That's money bleeding out of your business every single day.

Why Compliance Matters More Than Ever

Here's the flip side.

Full self-custody without compliance is a ticking time bomb. Especially in the US.

Regulators aren't playing around. The SEC. FinCEN. State money transmission laws. One wrong move and you're looking at lawsuits, fines, or worse.

Most self-custody solutions punt on this. They say "decentralized" like it's a get-out-of-jail-free card.

Spoiler: It's not.

Larecoin takes a different approach.

We're pursuing full US compliance through:

MSB Registration , Money Services Business registration with FinCEN
State MTL Strategy , State-by-state Money Transmitter License applications where required

This isn't optional for us. It's the foundation.

Why? Because mainstream adoption requires regulatory legitimacy. Businesses need security and trust. So do the institutions they work with.

Self-custody systems can be designed with compliance built in. KYC. AML. Transaction monitoring. All without sacrificing user sovereignty.

That's exactly what we're building.

NOWPayments vs. CoinPayments vs. Larecoin

Let's get specific.

You've probably looked at NOWPayments. Maybe CoinPayments too. They're the big names in crypto payment processing.

Here's how they stack up against Larecoin:

Feature	NOWPayments	CoinPayments	Larecoin
Self-Custody	Partial	No	Full
US Compliance (MSB/MTL)	Limited	Limited	In Progress
NFT Receipts	No	No	Yes
LUSD Stablecoin Option	No	No	Yes
Fee Savings	Standard	Standard	Up to 50%
Push-to-Card	No	No	Yes

NOWPayments offers decent multi-currency support. But they're still a custodial middleman for most transactions. Their compliance posture? Questionable at best in the US market.

CoinPayments has been around forever. Legacy infrastructure. Legacy thinking. They charge you to hold your own money. And their compliance strategy isn't built for American businesses.

Larecoin is different by design.

We built for self-custody from day one. Your funds hit your wallet. Not ours. Not a holding account. Yours.

Check out our detailed breakdowns:

The LUSD Advantage

Volatility kills merchant adoption.

You accept $100 in crypto. By the time you convert it, it's worth $87. Or $112. You have no idea.

That's not a payment system. That's a casino.

LUSD changes everything.

Larecoin's stablecoin version gives you:

Instant settlement in a dollar-pegged asset
No conversion volatility eating your margins
Full self-custody : still your keys, your coins
Seamless off-ramping when you need fiat

Stablecoin payments aren't new. But stablecoin payments with full self-custody AND US compliance? That's Larecoin territory.

NFT Receipts: Proof That Actually Means Something

Every Larecoin transaction can generate an NFT receipt.

Why does this matter?

Immutable proof of payment on-chain
Automated accounting integration
Customer engagement : receipts become collectibles
Dispute resolution with verifiable transaction data

Traditional payment processors give you a PDF. Maybe an email confirmation.

We give you cryptographic proof that lives forever on the blockchain.

For businesses handling high-value transactions, this isn't a nice-to-have. It's a competitive advantage.

Reduced Liability. Reduced Costs. Real Freedom.

Here's what self-custody actually delivers:

For Merchants:

No more custodial liability
No exposure to exchange hacks or freezes
Reduced compliance insurance costs
Direct control over funds 24/7

For Customers:

Full transparency on fees
No blind trust in third parties
Assets stay in their wallet until purchase
Enhanced dispute management

The research confirms it. Businesses that adopt self-custodial models position themselves as customer-centric. You build loyalty by eliminating the need for blind faith.

That's the Larecoin difference.

We're building on Solana for speed and low fees. But our cross-chain strategy means you're not locked into one ecosystem.

Accept payments. Keep custody. Stay compliant.

The Bridge Between Web2 and Web3

Mainstream adoption requires meeting people where they are.

That means:

Supporting traditional payment rails alongside crypto
Enabling push-to-card for instant fiat access
Building compliance infrastructure that institutions trust
Keeping the self-custody ethos at the core

Mastercard's recent Web3 card program proves this hybrid model works. Users keep custody until purchase. They gain mainstream spending power without surrendering control.

Larecoin is building the same bridge. But for merchants.

Accept crypto payments globally. Maintain full custody. Operate legally in the US.

No compromises.

What's Next

The 10-Year Blog Marathon continues.

We're documenting every step of building the ultimate Web3 payment solution. Fee savings. NFT receipts. LUSD benefits. Self-custody. Full US compliance.

This isn't theory. It's happening.

Ready to see the difference?

Explore the Larecoin ecosystem
Read more from our Blog Marathon series
Learn how to reduce merchant fees by 50%

Self-custody AND compliance.

That's not a contradiction anymore.

That's Larecoin.