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

The Vig

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I’m looking at your P&L. It’s a crime scene.

In the physical world, if someone stands between you and your customer and demands 5% of the transaction for doing nothing, we call it a mob shakedown. In the digital economy, we call it "Standard Pricing."

The most genius trick the devil ever pulled wasn't convincing the world he didn't exist; it was convincing merchants that 2.9% + 30¢ is the cost of doing business.

It isn't. It is a tax on your innovation, levied by a duopoly of incumbents who haven't updated their infrastructure since the Obama administration.

But the 2.9% is just the cover charge. The real theft happens when you dare to sell something across a border.

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The Geography of Theft

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We live in a borderless digital economy. A kid in Seoul can buy a hoodie from a designer in Brooklyn in milliseconds. The data moves at the speed of light.

Yet, your payment processor treats this transaction like it’s being carried by a donkey over the Alps.

If you are a US merchant selling to a UK customer, Stripe and PayPal don't just charge you the 2.9%. They tack on a "Cross-Border Fee" (+1.5%) and then hit you with a "Currency Conversion Spread" (+2%).

Suddenly, your effective "tax rate" isn't 2.9%. It’s 6.4% for doing business across borders.

This is the algebra of extraction. You take the risk, you build the product, you find the customer. They build a tollbooth on a road they didn't pave and strip-mine your margin.

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The Unserious Merchant

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The tragedy of the modern merchant isn't that they are losing money; it’s that they are unserious about where it’s going.

Let’s look at the maths.

Imagine you are a "serious" business processing $10,000 a week from international clients.

• The Incumbent (Stripe/PayPal): Charges you on every single transaction. They hit you with the base fee, the fixed fee, the border fee, and the FX markup. You pay $670 for the privilege of moving your own money.

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• The Serious Option (LFG): You use a non-custodial rail. The money moves peer-to-peer (USDC). There are no borders on the blockchain, so there are no border fees. You batch your payout once a week. You pay ~$112.

The difference is $558 a week. That is $29,000 a year in pure profit that you are currently setting on fire.

If you offered a Venture Capitalist $29k for zero equity, they’d laugh at you.

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Yet you hand it to a payment processor every year without blinking.

The Corrective

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Markets eventually correct inefficiencies. If an incumbent takes too much "rent" without adding value, an antibody appears.

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LFG is the antibody.

We don't charge per transaction because it doesn't cost us anything to process a transaction. We don't charge "Cross-Border Fees" because crypto doesn't know what a border is. We charge a flat subscription for the software, and you pay a small pass-through fee to off-ramp your cash.

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That’s it.

Stop acting like the 5% tax is inevitable. Inevitable means something would happen anyway, it’s not physics; it’s a choice. And right now, you are choosing to be the prey.

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Do the Maths

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We built a calculator. It’s not a marketing gimmick; it’s a mirror.

Go to the "International Customers" slider. Drag it to 50%. Watch what happens to your fees with the incumbents. Then look at the LFG number.

If the difference doesn't make you angry, you aren't paying attention.

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Launch the Calculator

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Life can be much richer,

Kris

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