Why Your Business Needs a Receivables Token: How Larecoin Cuts Interchange Fees by 50% (And Feeds the World While Doing It)

You're hemorrhaging money on payment processing fees.

Every swipe, tap, or click costs you 2.5% to 3.5% plus fixed fees. Monthly platform charges. Chargeback penalties. Multi-day settlement delays.

Traditional payment rails are bleeding your business dry.

Receivables tokens eliminate this entirely.

With Larecoin, you keep 50% more of every transaction. Self-custody means instant settlement. And here's the kicker: every payment automatically contributes to solving global hunger through our Social Impact Engine.

Zero middlemen. Maximum impact.

What Exactly Is a Receivables Token?

A receivables token is your legal payment right minted on-chain.

When a customer pays you in LARE or LUSD stablecoins, three things happen simultaneously:

• Receivables token mints instantly with complete transaction details

• NFT receipt generates automatically for accounting and tax purposes

• Funds settle directly to your wallet in minutes, not days

Traditional flow: Customer → Processor → Bank → Merchant Account (3-5 days, multiple fees).

Larecoin flow: Customer → Your Wallet (minutes, gas fees only).

You own the asset. You control the timeline. You eliminate the gatekeepers.

The Real Cost of Legacy Payment Processing

Let's run the numbers on $500,000 annual revenue.

Traditional processors charge you:

• Interchange fees: $12,500–$17,500 annually

• Monthly platform fees: $120–$600 annually

• Chargeback fees: $750–$3,000 annually (assuming 30-120 disputes)

• Total: $13,370–$21,100 per year

Larecoin charges you:

• Gas fees: $360–$1,080 annually (based on LareBlocks network efficiency)

• Platform fees: $0

• Chargeback resolution: On-chain arbitration at $15 per case

• Total: $360–$1,500 per year

That's 92-97% in savings compared to legacy rails.

Even in high-congestion scenarios, you're looking at minimum 50% cost reduction. Most businesses see 70-85% savings in real-world usage.

The Social Impact Engine: 1.5% That Changes Everything

Here's where Larecoin gets revolutionary.

Every transaction includes a 1.5% Social Impact Tax: automatically allocated to combat global hunger through verified NGO partnerships.

This isn't marketing fluff. It's blockchain-verified impact.

Your customers see exactly where their contribution goes. Real-time transparency. Immutable records. Zero administrative overhead for your business.

You process payments. We feed the world.

The 1.5% is built into the protocol layer on LareBlocks, our Layer 1 infrastructure. It's not an optional add-on. It's how the system works.

And because your total costs are still 50-95% lower than legacy systems, you're saving money while creating measurable social impact.

Why LUSD Stablecoins Matter for Merchants

Price volatility kills crypto adoption for businesses.

LUSD solves this.

LUSD is Larecoin's stablecoin version: pegged 1:1 to USD with full collateralization on LareBlocks. Your receivables token can be denominated in LUSD, giving you:

• Zero price risk on incoming payments

• Instant conversion to fiat-equivalent value

• Same fee structure as LARE transactions

• Push-to-Card compatibility for traditional banking integration

Accept crypto. Settle in stable value. Bridge to fiat when you need it.

LUSD receivables tokens offer the perfect on-ramp for businesses hesitant about crypto volatility. You get all the benefits: instant settlement, self-custody, 50%+ fee savings: with none of the exchange rate uncertainty.

NFT Receipts: Your Accounting Team's New Best Friend

Every Larecoin transaction generates an immutable NFT receipt.

Contains:

• Transaction timestamp

• Wallet addresses (sender/receiver)

• Amount in LARE or LUSD

• USD equivalent at time of transaction

• Gas fees paid

• Social Impact Tax allocation

• Smart contract verification

This is revolutionary for accounting.

No more CSV exports. No reconciliation nightmares. No missing transaction data.

Your accountant can verify every payment on LareScan (our blockchain explorer). Tax preparation becomes a search function, not a months-long ordeal.

The NFT receipt is tradeable, transferable, and permanently stored on-chain. If you need to prove a transaction happened five years ago, it's there. Immutable. Verifiable. Instantly accessible.

Self-Custody: You Hold the Keys, You Control the Money

Legacy processors hold your funds hostage.

Account freezes. Arbitrary holds. Multi-day releases. Permission-based access to your own money.

Self-custody changes everything.

With Larecoin's Master/Sub-wallet architecture, you maintain complete control:

• Private keys never leave your infrastructure

• Instant settlement to your wallet upon payment confirmation

• No intermediary approval needed to access funds

• Enterprise-grade multi-sig for team-based controls

The CLARITY Act (H.R. 3633), passed in 2026, explicitly protects self-custody merchant accounts. Using digital commodities for payments doesn't trigger money transmitter licenses or additional regulatory burden.

You're legally protected. Fully compliant. Completely in control.

How Larecoin Stacks Up Against the Competition

Let's compare receivables token platforms.

NOWPayments:

• Fee structure: 0.5% + network fees

• Self-custody: Optional (but encourages custodial accounts)

• Settlement time: 10-60 minutes depending on blockchain

• NFT receipts: No

• Social impact: No built-in mechanism

• Total cost on $500K revenue: $2,500 + gas

CoinPayments:

• Fee structure: 0.5% per transaction

• Self-custody: Limited (requires manual configuration)

• Settlement time: 1-24 hours depending on confirmations

• NFT receipts: No

• Social impact: No built-in mechanism

• Total cost on $500K revenue: $2,500 + network fees

Larecoin:

• Fee structure: Gas fees only + 1.5% Social Impact Tax

• Self-custody: Native and mandatory

• Settlement time: Minutes (LareBlocks Layer 1 speed)

• NFT receipts: Automatic on every transaction

• Social impact: 1.5% to verified hunger relief programs

• Total cost on $500K revenue: $360-$1,500 + $7,500 social contribution

Even with the Social Impact Tax, Larecoin's total cost is comparable to competitors: while delivering superior infrastructure, automatic receipts, and verified charitable impact.

Secondary Market Liquidity: Turn Receivables Into Working Capital

Here's a benefit most businesses don't realize exists.

Receivables tokens are tradeable assets.

Need working capital but don't want to wait for settlement? List your receivables token on secondary markets for immediate liquidity.

No loan applications. No credit checks. No bank approval process.

Someone buys your receivables token at a small discount, you get instant capital, they collect full payment on settlement. Everyone wins.

This creates a decentralized factoring market for small businesses. The same financial tool Fortune 500 companies use: now accessible to any merchant accepting Larecoin payments.

Gift Card Onboarding: The Easiest Crypto Entry Point Ever

Your customers don't need to understand blockchain to use Larecoin.

Our Gift Card onboarding system lets anyone convert traditional gift cards into LARE or LUSD instantly.

Customer flow:

1. Upload gift card details to Larecoin platform

2. Receive LARE/LUSD equivalent in seconds

3. Pay your business with crypto (they don't even realize they're using blockchain)

You get receivables tokens. They used familiar gift cards. No friction. No complexity.

This is how crypto payments hit mainstream adoption: by hiding the technology behind familiar interfaces.

Getting Started With Receivables Tokens

Ready to cut your payment processing costs by 50%+?

Here's how to onboard:

1. Create a Larecoin merchant account at larecoin.com/merchants

2. Set up your Master wallet (we handle the technical infrastructure)

3. Configure Sub-wallets for different departments or locations

4. Integrate Larecoin payment buttons on your checkout pages

5. Start receiving payments directly to your self-custody wallet

Implementation time: 2-4 hours.

Our developer documentation includes plug-and-play integrations for Shopify, WooCommerce, Magento, and custom implementations via API.

Technical support is available via our forum at larecoin.com. Community-driven troubleshooting plus direct access to our core development team.

The Bottom Line

Receivables tokens aren't the future of payments.

They're the present.

Cut fees by 50-95%. Settle instantly. Maintain full custody. Generate automatic NFT receipts. Contribute to solving global hunger.

All while using stablecoin options that eliminate crypto volatility concerns.

Legacy payment processors had their moment. That moment is over.

Your business deserves better infrastructure.

Join the merchants already processing millions in Larecoin payments. Zero middlemen. Maximum savings. Measurable impact.

Ready to make the switch? Start at larecoin.com/payment and see your first receivables token mint in minutes.