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LareBlocks Whitepaper

Larecoin Whitepaper

Crypto Payments Made Easy Version 3.1 – November 10, 2025

Vision

Larecoin is the first merchant-first cryptocurrency payments network that turns every real-world transaction into on-chain liquidity, gamified growth, and institutional-grade yield — while slashing merchant fees by 50–70% versus legacy processors.

We solve the final barrier to mass crypto adoption: 99.9% of small businesses still don’t accept crypto — not because they don’t want to, but because no solution has ever been SIMPLE, FREE TO START, FEE-SAVING, CHARITY-BUILT-IN, and FUN.

Larecoin fixes that.

Abstract

Larecoin ($LARE) is a multi-chain Web3 payments ecosystem built to enable any merchant — from a coffee cart to a global retailer — to accept cryptocurrency in under 60 seconds.

Powered by LUSD, an over-collateralized stablecoin, and a Raydium-forked DEX, every payment:

  • Instantly settles in stable value

  • Mints a tax-ready NFT receipt

  • Issues a LARE receivable (tokenized store credit)

  • Deepens on-chain liquidity

  • Funds a 50% rollover Lucky Draw jackpot

All platform fees are 1%–1.5%, with 50% discount when paid in $LARE — creating the strongest token utility flywheel in crypto.

Problem Statement

ChallengeCurrent SolutionsLarecoin Fix

Volatility RiskMerchants hold crypto → price swingsInstant conversion to LUSD (1:1 USD peg)

High Fees2–3% + FX spreads1%–1.5% total; 50% off with $LARE

ComplexityHardware, wallets, KYCQR code → hosted checkout (no setup)

CompliancePaper receipts, auditsNFT receipt per tx (immutable, exportable)

No IncentivesPay and doneLucky Draw, referrals, yield farming

The Larecoin Ecosystem

Core Components

1. LUSD – The Merchant Settlement Stablecoin

FeatureSpecification

TypeOver-collateralized SPL/BEP-20

Peg1:1 USD (soft via arbitrage)

Backing110% USDC (minimum)

Mint/BurnDeposit USDC → Mint LUSD (1:1 - 0.3% fee)

RedemptionBurn LUSD → Receive USDC

OracleChainlink + Pyth (dual)

SecurityMint authority revoked; CertiK audit in progress

LUSD is not speculative — it’s a settlement rail. Every payment mints LUSD → deposits into bond pools → earns yield → strengthens peg.

2. Merchant POS Lite

  • Hosted at:shop.larecoin.com/[merchant-id]

  • Setup Time: <60 seconds

  • Features:

    • Drag-and-drop product menu

    • Dynamic QR generator

    • Accept any crypto, card, ACH

    • NFT receipt per transaction

    • LARE receivable issued instantly

    • Supplemental mode: Works alongside Square, Clover, Toast

No hardware. No software. Just a QR.

3. DEX & Liquidity Engine

  • Base: Raydium CP-Swap fork (Solana)

  • Initial Pools:

    • LARE/SOL

    • LARE/USDC

    • LUSD/USDC

  • Fee Structure:

    • 1%–1.5% per swap

    • 50% → LP

    • 30% → Treasury

    • 10% → Lucky Draw

    • 10% → Referrals

  • All fees 50% off when paid in $LARE

4. Bonds Marketplace

Fixed-yield, zero-IL stable-to-stable pools

PairDurationAPREarly Exit

LUSD/USDC7d–180d5–12%2% penalty

LUSD/USDT30d–90d6–10%2% to buyback

LUSD/RLUSD90d8%2%

No impermanent loss. Just lock, earn, redeem.

5. Lucky Draw – Gamified Growth

  • Auto-entry on every transaction

  • Daily & Weekly draws

  • 50% of unclaimed prizes roll over

  • Jackpot scales with holder count & volume

  • Funded by 10% of all fees

Every payment = a ticket. Every ticket = network growth.

6. Referral & ISO Reseller Program

TierReward

User Referral10% lifetime fees from invitee

ISO (Bank/Fintech)Recurring commission on sub-agents + merchants

Merchant Onboarding500 $LARE bonus per new business

ISO Back-Office: Monitor merchants, generate QR batches, export revenue.

7. DAO & Governance

  • Token:veLARE (vote-escrow)

  • Lock $LARE → Earn voting power

  • Proposals: Treasury spend, fee changes, new features

  • Threshold: 1% of supply to propose

Tokenomics ($LARE)

MetricValue

Total Supply10,000,000,000,000 (10 Trillion)

Initial Circulating~4.2T (42% treasury)

FDV (at launch)~$30M

Taxes5–7% buy/sell (0.15% rewards, 0.1% reflections, 0.1% draw)

Burn Mechanism15% of total supply (1.5T $LARE) burned in stages

Progressive Burn Schedule

15% of supply is permanently burned as active users scale from 1 to 15 million, in 5 equal stages:

StageActive UsersBurn Amount% of Total Supply

11M300B3%

25M300B3%

310M300B3%

412.5M300B3%

515M300B3%

Burn is automatic via on-chain trigger when verified active users (wallets with ≥1 tx in 30 days) hit threshold. Final Supply: 8.5 Trillion $LARE (15% deflationary)

Allocation (Pre-Burn)

Grok can make mistakes. Always check original sources.

Technology Stack

LayerTech

BlockchainSolana (primary), BSC, Ethereum (bridges)

DEXRaydium fork (Rust/Anchor)

FrontendReact, Tailwind, Figma auto-layout

MobileReact Native (iOS/Android)

BackendNode.js, PostgreSQL, AWS

WalletPhantom, Metamask, in-app hot wallet

BridgeWormhole (v1), custom (v2)

Roadmap

PhaseTimelineMilestones

Q4 2025Mainnet LaunchDEX, LUSD, POS Lite, Mobile v1, Lucky Draw

Q1 2026GrowthReferrals, ISO Dashboard, Multi-hop Swaps

Q2 2026GovernanceDAO, veLARE, P2P Exchange

Q3 2026+ScaleCustom Bridge, Web3 Classifieds, LareBlocks L1

Liquidity & Institutional Strategy

Two signed term sheets for immediate post-launch liquidity:

  1. $20M Structured Facility

    • 24-month deployment

    • Phased VWAP discounts

    • Volume-protected

  2. $25M Direct Mandate

    • Day-one seeding of LARE & LUSD pools

    • Optional venture equity

Every dollar hits the pools on day one → sub-0.3% slippage → real payments flow in → flywheel activated.

Development Partner

Mindfire Digital

  • Location: 19th Floor, Tower B, Alphathum, Sector 90, Noida – 201305, Uttar Pradesh, India

  • Scope: Full Phase-1 MVP (DEX, LUSD, POS, Mobile, Lucky Draw)

  • Timeline: 6-week accelerated sprint (mainnet Dec 22, 2025)

  • Team: 6–7 FTEs (2 Rust, 2 Full-Stack, 1 QA, 1 DevOps)

  • Budget: $350K (fully funded via $100K committed + $1.5M capital calls + $10M raise)

  • Status: Pixel-perfect Figma delivered; engineering in progress

Team

  • Daniel Fainman – Founder & CEO

    • Pioneered Larecoin in 2018 (Grant Cardone Incubator)

    • 10+ years fintech, payments, blockchain

  • Development Partner – Mindfire Digital (India)

    • 4+ years in Solana/Raydium forks

    • 6–7 FTEs on current sprint

  • Advisors – Visa alumni, fintech execs (NDA)

  • Legal – Delaware C-Corp, Cooley LLP

Security & Compliance

  • Audit: CertiK (in progress)

  • Mint Revoked

  • LP Locked

  • KYC/AML: Optional at fiat ramps

  • MSB Filing: In process

  • No Securities Claims

Why Now?

MetricCurrentPost-Launch (90 days)

FDV~$30M$300M+

Liquidity$23K$50M+

24h Volume<$1K$2.84M+

Merchants100+ LOIs10,000+

Holders18,427100,000+

This is the last sub-$50M entry before institutional liquidity and real merchant volume take over.

Conclusion

Larecoin is not another DEX or stablecoin.

It’s the first complete crypto payments infrastructure where:

  • Merchants win (1%–1.5% fees, instant stable settlement)

  • Consumers win (NFT receipts, Lucky Draw entries)

  • Holders win (yield, governance, jackpot)

  • The network wins (every tx deepens liquidity)

Larecoin: Where every payment scales the future.

Website: www.larecoin.com X: @larecoin Telegram: t.me/larecoin Contact: larecoin@larecoin.com

© 2025 Larecoin. All rights reserved. This whitepaper is for informational purposes only and does not constitute investment advice.

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