CLARITY Act Benefits for Merchants: How Larecoin Slashes Fees by 50% (and Why NOWPayments Can't Compete)

Regulatory Clarity Just Changed Everything for Crypto Payments

The CLARITY Act (H.R. 3633) eliminated the regulatory chaos that plagued crypto payment processors for years.

Before this legislation, processors faced:

• Unclear requirements across 50 states

• Dual SEC/CFTC reporting nightmares

• Legal uncertainty around stablecoins

• Compliance costs eating 40-60% of operational budgets

Now? The CFTC has exclusive jurisdiction over digital commodities like Larecoin.

That's not just bureaucratic shuffling. It's a complete game-changer for merchant fees.

Why Larecoin's 0.25% Fee Destroys the Competition

Here's the breakdown merchants actually care about:

Larecoin: 0.25% flat fee NOWPayments: 0.5-1% variable fee CoinPayments: 0.5% + network fees

The math is brutal for legacy processors.

A merchant processing $1M annually saves $2,500-$7,500 switching to Larecoin. That's not marketing fluff. That's real money hitting your bottom line.

Where the Savings Come From

The CLARITY Act removed regulatory overlap between agencies. No more duplicate compliance frameworks. No more legal uncertainty around stablecoin operations.

Larecoin passes 100% of those savings to merchants.

Traditional processors? They're still operating under legacy compliance structures built for regulatory uncertainty. They can't pivot fast enough. Their overhead remains bloated.

That's why they can't match our pricing. Period.

LareBlocks Layer 1: Built Different

Most crypto payment processors rent infrastructure from Ethereum or other chains. They pay gas fees. They inherit network congestion. They pass those costs to you.

Larecoin operates on LareBlocks, our proprietary Layer 1 blockchain.

Benefits for merchants:

• Sub-second transaction finality

• Gas-only transfer protocol (minimal fees)

• Self-custody security architecture

• No third-party infrastructure dependencies

Learn more about reducing merchant fees

NOWPayments processes through Ethereum, Binance Smart Chain, and others. They're middleware. They're adding layers. They're adding costs.

We're the infrastructure.

LUSD Stablecoin: Price Stability Without Compromise

Crypto volatility scares merchants. Fair concern.

That's why Larecoin Ecosystem includes LUSD, our fully-collateralized stablecoin pegged 1:1 to USD.

Under the CLARITY Act framework, stablecoins receive clear regulatory treatment. Banking regulators supervise issuers. CFTC and SEC maintain anti-fraud authority.

Translation: LUSD operates in a defined compliance environment. No regulatory surprises. No sudden policy shifts disrupting operations.

Merchants can:

• Accept LARE (native token) for early adopters

• Convert instantly to LUSD for stable value

• Hold, transfer, or cash out without price risk

• Use LUSD for cross-border settlements

CoinPayments offers multiple stablecoins but no proprietary solution. You're subject to third-party stablecoin policies, fees, and risks. NOWPayments? Same problem.

NFT Receipts: The Compliance Revolution Nobody's Talking About

Every Larecoin transaction generates an immutable NFT receipt.

Not just a blockchain record. A verifiable, transferable proof-of-transaction minted as an NFT on LareBlocks.

Why this matters:

• Instant audit trails for tax compliance

• Verifiable transaction history for chargebacks

• Transferable proof-of-purchase for resale markets

• Customer loyalty program integration

Accounting teams love this. One merchant reported 22-hour reduction in monthly reconciliation time after switching to Larecoin.

NOWPayments and CoinPayments offer standard transaction logs. Searchable databases. Nothing revolutionary.

NFT receipts are programmable, transferable, and integrate with smart contracts. They unlock use cases traditional processors can't touch.

AI-Powered Metaverse Shopping: The 2026 Advantage

The retail landscape shifted. In-store, online, and metaverse shopping now form a unified ecosystem.

Larecoin's AI-powered metaverse payment gateway supports:

• Virtual storefront crypto payments

• Avatar-based shopping experiences

• Decentralized marketplace integrations

• Cross-reality inventory management

Explore metaverse shopping features

Our AI engine:

• Predicts optimal conversion times for volatile tokens

• Automatically converts to LUSD during market dips

• Flags suspicious transactions before they process

• Provides real-time tax reporting across jurisdictions

This isn't bleeding-edge tech locked behind enterprise contracts. Every Larecoin merchant gets full metaverse and AI functionality at the same 0.25% fee.

NOWPayments offers basic metaverse token support. No AI optimization. No predictive conversion. No integrated experience.

CoinPayments? Still figuring out their mobile checkout experience.

Self-Custody Security: Your Keys, Your Coins, Your Control

Traditional payment processors hold your funds. You trust their security. You accept their terms. You wait for their withdrawal windows.

Larecoin architecture enables true self-custody for merchants.

Your payment gateway connects directly to your LareBlocks wallet. You control private keys. Funds settle to addresses you own. Zero custodial risk.

The CLARITY Act's clear jurisdiction framework makes this possible. Before regulatory clarity, self-custody solutions faced uncertain compliance obligations. Could self-custody wallets be classified as exchanges? As custodians? Nobody knew.

Now we know. The CFTC provides guidance. Self-custody is legally protected.

NOWPayments requires custodial accounts. They hold funds. They control withdrawal timing. They can freeze accounts during "security reviews."

CoinPayments? Same custodial model. Your funds, their control.

The Direct Comparison: Larecoin vs. NOWPayments vs. CoinPayments

Feature	Larecoin	NOWPayments	CoinPayments
Base Fee	0.25%	0.5-1%	0.5%
Network Fees	Gas-only	Variable	Additional
Self-Custody	Yes	No	No
Native Layer 1	LareBlocks	None	None
Stablecoin	LUSD (native)	Third-party	Third-party
NFT Receipts	Standard	None	None
AI Optimization	Included	None	None
Metaverse Support	Full integration	Basic	Limited
CLARITY Act Optimized	Yes	Adapting	Adapting

The data speaks clearly.

Why Legacy Processors Can't Pivot Fast Enough

NOWPayments and CoinPayments built their infrastructure during regulatory uncertainty. Their compliance frameworks, legal structures, and operational models assumed fragmented oversight.

The CLARITY Act changed the rules.

These processors can't rebuild their entire stack overnight. They have:

• Existing vendor contracts

• Legacy compliance procedures

• Outdated fee structures

• Custodial models requiring overhaul

They'll adapt eventually. But adaptation takes time. And time costs market share.

Larecoin launched post-CLARITY Act. Our entire architecture leverages the new regulatory framework from day one.

We're not adapting. We're optimized.

The 50% Fee Savings Breakdown for Real Merchants

Small business processing $500K annually:

• NOWPayments cost: $2,500-$5,000

• Larecoin cost: $1,250

• Annual savings: $1,250-$3,750

Mid-size merchant processing $5M annually:

• CoinPayments cost: $25,000+

• Larecoin cost: $12,500

• Annual savings: $12,500+

Enterprise merchant processing $50M annually:

• Traditional processor cost: $250,000-$500,000

• Larecoin cost: $125,000

• Annual savings: $125,000-$375,000

These aren't projections. These are the actual fee structures based on published rates from each processor.

Getting Started Takes 10 Minutes

Setting up Larecoin merchant payments:

1. Create LareBlocks wallet

2. Generate payment gateway API key

3. Install plugin (WooCommerce, Shopify, custom)

4. Accept your first payment

No lengthy approval process. No credit checks. No minimum volume requirements.

Your first transaction confirms your fee rate: 0.25%. Forever.

Start accepting Larecoin payments today

The CLARITY Act Made This Possible. Larecoin Makes It Profitable.

Regulatory clarity unlocked lower fees. LareBlocks Layer 1 delivered infrastructure efficiency. Self-custody eliminated custodial risk. LUSD solved volatility concerns. NFT receipts revolutionized compliance. AI optimization maximized merchant margins.

Legacy processors offer incremental improvements on outdated models.

Larecoin offers fundamentally superior architecture built for the post-CLARITY Act era.

The 50% fee savings aren't a promotional gimmick. They're structural advantages competitors can't match.

Your move.