

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:
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Instantly settles in stable value
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Mints a tax-ready NFT receipt
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Issues a LARE receivable (tokenized store credit)
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Deepens on-chain liquidity
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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
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Hosted at:shop.larecoin.com/[merchant-id]
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Setup Time: <60 seconds
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Features:
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Drag-and-drop product menu
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Dynamic QR generator
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Accept any crypto, card, ACH
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NFT receipt per transaction
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LARE receivable issued instantly
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Supplemental mode: Works alongside Square, Clover, Toast
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No hardware. No software. Just a QR.
3. DEX & Liquidity Engine
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Base: Raydium CP-Swap fork (Solana)
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Initial Pools:
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LARE/SOL
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LARE/USDC
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LUSD/USDC
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Fee Structure:
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1%–1.5% per swap
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50% → LP
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30% → Treasury
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10% → Lucky Draw
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10% → Referrals
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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
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Auto-entry on every transaction
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Daily & Weekly draws
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50% of unclaimed prizes roll over
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Jackpot scales with holder count & volume
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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
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Token:veLARE (vote-escrow)
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Lock $LARE → Earn voting power
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Proposals: Treasury spend, fee changes, new features
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Threshold: 1% of supply to propose
Tokenomics ($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:
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$20M Structured Facility
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24-month deployment
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Phased VWAP discounts
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Volume-protected
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$25M Direct Mandate
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Day-one seeding of LARE & LUSD pools
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Optional venture equity
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Every dollar hits the pools on day one → sub-0.3% slippage → real payments flow in → flywheel activated.
Development Partner
Mindfire Digital
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Location: 19th Floor, Tower B, Alphathum, Sector 90, Noida – 201305, Uttar Pradesh, India
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Scope: Full Phase-1 MVP (DEX, LUSD, POS, Mobile, Lucky Draw)
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Timeline: 6-week accelerated sprint (mainnet Dec 22, 2025)
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Team: 6–7 FTEs (2 Rust, 2 Full-Stack, 1 QA, 1 DevOps)
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Budget: $350K (fully funded via $100K committed + $1.5M capital calls + $10M raise)
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Status: Pixel-perfect Figma delivered; engineering in progress
Team
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Daniel Fainman – Founder & CEO
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Pioneered Larecoin in 2018 (Grant Cardone Incubator)
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10+ years fintech, payments, blockchain
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Development Partner – Mindfire Digital (India)
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4+ years in Solana/Raydium forks
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6–7 FTEs on current sprint
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Advisors – Visa alumni, fintech execs (NDA)
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Legal – Delaware C-Corp, Cooley LLP
Security & Compliance
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Audit: CertiK (in progress)
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Mint Revoked
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LP Locked
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KYC/AML: Optional at fiat ramps
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MSB Filing: In process
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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:
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Merchants win (1%–1.5% fees, instant stable settlement)
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Consumers win (NFT receipts, Lucky Draw entries)
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Holders win (yield, governance, jackpot)
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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.
