The Future of Payments: LFG’s Role in Simplifying Transactions

The Unsecured Situation

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If your money is on a company’s balance sheet, it is not your money. It is an unsecured loan to a CEO who might be insane.

We have seen this movie before. We saw it with the banks in 2008, with FTX in 2022, and with Voyager. If you park your funds on a major crypto exchange, you are an unsecured creditor. There is no FDIC insurance to save you. If they fall, you lose everything.

But let’s assume the CEO is a saint. Let’s assume the exchange is solvent. You are still losing.

Why? Because of the Rake.

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The Tax on Existence (And How to Evade It)

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Every time you swipe a card, an invisible hand reaches into the register and takes 2.9% plus 30 cents. We accept this as the cost of doing business. It is not. It is a tax on moving electrons.

In an age of instant information, paying 3% to move money is like paying a toll to send an email. It’s archaic. It’s theft by inertia.

And the math is brutal. If you run a business with 10% net margins, and the payment processor takes 3% of revenue, they aren't taking 3% of your money. They are taking 30% of your profit.

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The Architecture of Trust

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So, how do we fix it? We didn't build a better bank. We built a bridge, a software.

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The LFG architecture is non-custodial. In plain English: We cannot touch your money. Even if we wanted to. Even if a court ordered us to. Even if I went mad tomorrow.

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We built a protocol that connects you directly to the blockchain. When you pay a merchant, the money moves from your wallet to theirs. No middleman, no float, no 3-day settlement period where the bank earns interest on your cash.

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This isn't just "safer." It’s structurally cheaper. We stripped out the insurance, the compliance armies, and the marble lobbies required to hold custody of funds. When you remove the overhead, you remove the fees.

We are open for Business, Not Betting

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However, building the perfect rail is useless if the train falls off a cliff.

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There is a specific type of bullying that happens in tech. People on Twitter will scream that you are a "dinosaur" if you don't accept Bitcoin, Solana, or the flavor-of-the-month token.

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Ignore them.

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Business relies on predictable margins. Crypto relies on variance. These are enemies. If you accept Bitcoin and it drops 15% in an afternoon (a casual Tuesday in crypto), you just worked for free. Volatility is a tax on intelligence. We don't let you take that bet.

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At LFG, we settle in USDC (USD Coin). Not Bitcoin, and notably, not Tether.

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Details matter. The EU’s new MiCA regulations have drawn a hard line in the sand. Tether is the cowboy; USDC is the adult in the room, fully regulated, audited, and backed 1:1.

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The Crypto STD

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But using the right currency isn't enough. You also need to know who you are touching.

In traditional crypto, you are often handed a wallet address that looks like 0x7e4... and told to "trust me." That isn't business; that's Russian Roulette.

If that wallet belongs to a bad actor, or, and this is the scary part, if that person transacted with a bad actor five transactions ago, you are now infected. Compliance software scans "5 transactions back and 5 transactions forward." You might be innocent, but if your money has a dirty history, the bank will freeze your account the moment you try to off-ramp. Your hard-earned revenue becomes monopoly money.

We call this The Crypto STD. It’s silent, invisible, and ruins everything.

LFG is the only platform with Pre-Compliance.

1. Identity: You transact with verified Business Profiles, not anonymous hexadecimal strings. You know exactly who you are dealing with.
2. The Scan: We scan every transaction before it happens. If the funds are tainted, if the wallet is flagged, the transaction doesn't go through.

We don't just protect you from bad actors; we protect you from the incompetence of others. We ensure your money stays clean so that when you take it to the bank, the door is open.

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The LFG Promise

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We use the blockchain for the speed and the savings, not the gambling.

We built LFG to give you the rails without the rollercoaster. We want you to get paid instantly, for a fraction of the cost of a credit card swipe, in a currency that is clean, compliant, and stable.

The future of finance isn't a better bank. It’s no bank at all. It’s code that executes exactly as written, a wallet only you can open, and a payment rail that doesn't demand a toll.

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LFG is the only bet you should make,

Kris

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