CLARITY Act Explained in Under 3 Minutes: Why Larecoin Just Became Your Best Crypto POS System for Small Business

The CLARITY Act Just Changed Everything for Small Business Payments

February 2026. The crypto payment game shifted overnight.

H.R. 3633 (CLARITY Act) just handed the CFTC jurisdiction over digital commodities. Translation? Larecoin operates in a regulatory framework that actually makes sense.

No more SEC gray zones. No more compliance nightmares. Just clean, straightforward merchant payments.

Here's what happened: The Act split crypto into three buckets: digital commodities, investment contracts, and payment stablecoins. Each gets its own regulator. No overlap. No confusion.

For small businesses accepting crypto? This is the green light you've been waiting for.

Why Larecoin's LUSD Stablecoin Wins Under New Rules

LUSD (Larecoin USD) now operates under banking authority oversight: not SEC enforcement actions.

The requirements:

• 1:1 backing with high-quality liquid assets

• Instant settlement to your business bank account

• Push-to-Card functionality within seconds

• Zero regulatory ambiguity

Traditional processors charge 2.9% + $0.30 per transaction. LUSD? You're looking at gas-only transfers on LareBlocks Layer 1. That's roughly 50% savings compared to legacy card networks.

Math that actually matters:

• $10,000 monthly sales with Visa/Mastercard: $290-320 in fees

• Same volume with Larecoin LUSD: $145-160 in fees

• Annual savings: $1,740-1,920 per merchant

Multiply that across multiple locations. The numbers get serious fast.

LareBlocks Layer 1: Self-Custody Security That Scales

Here's where Larecoin pulls ahead of NOWPayments and CoinPayments.

LareBlocks isn't built on someone else's blockchain. It's proprietary Layer 1 infrastructure designed specifically for merchant transactions.

What this means for your business:

• Your funds. Your keys. Your control.

• No third-party custody risks

• Sub-second transaction finality

• Multi-location wallet management from one dashboard

• Real-time settlement without waiting for blockchain confirmations

NOWPayments forces you through custodial intermediaries. CoinPayments holds your funds until withdrawal. Larecoin? Direct wallet-to-wallet transfers with full self-custody.

The CLARITY Act explicitly requires customer fund segregation for exchanges. LareBlocks bakes this into the protocol level. Your business account stays separate from operational reserves. Always.

NFT Receipts: More Than a Gimmick

Every Larecoin transaction generates an NFT receipt. Not promotional fluff. Actual utility.

Why NFT receipts matter:

• Immutable proof of purchase for warranty claims

• Automatic loyalty program integration

• Resale verification for authenticated goods

• Customer relationship management baked into blockchain data

• Tax documentation that can't be lost or forged

Your customer buys a $500 product. They get:

1. LUSD payment confirmation (instant)

2. NFT receipt minted on LareBlocks (permanent)

3. Metadata including timestamp, product details, warranty info

4. Transferable proof of ownership if they resell

Compare this to NOWPayments: basic transaction confirmation email. No blockchain-native receipts. No secondary market functionality.

CoinPayments offers invoice tracking. Still centralized. Still deletable. Still not an NFT.

Larecoin's approach turns every sale into a smart contract relationship. That's the Web3 advantage.

The Fee Breakdown: Larecoin vs. Traditional Processors

Let's get specific. These numbers come from live merchant comparisons.

Larecoin LUSD:

• Transaction fee: 0.5% (gas fee on LareBlocks)

• Settlement time: 2-5 seconds

• Chargeback risk: Zero (crypto is final)

• Monthly minimum: None

• Setup fee: None

NOWPayments:

• Transaction fee: 0.5% (competitive)

• Settlement time: Varies by blockchain (5-60 minutes)

• Custody: Third-party (you don't control keys)

• Stablecoin support: Limited to major chains

• Layer 1 control: None (relies on external networks)

CoinPayments:

• Transaction fee: 0.5%

• Settlement time: Manual withdrawals required

• Custody: Fully custodial (major security concern)

• Withdrawal fees: Additional charges apply

• Self-custody option: Not available

The real cost difference shows up in operational efficiency. Larecoin settles directly to your business bank via Push-to-Card. Competitors require manual withdrawals, exchange conversions, and additional wait times.

Time is money. Larecoin saves both.

AI-Powered Metaverse Shopping: The 2026 Advantage

The CLARITY Act legitimizes digital commodities. Larecoin runs with it.

Our AI-powered metaverse integration does three things competitors can't touch:

Check out our complete metaverse shopping guide for detailed setup instructions.

Neither NOWPayments nor CoinPayments offers metaverse integration. They process payments. That's it. Larecoin builds entire commerce ecosystems.

Why Digital Commodity Status Changes the Game

The CLARITY Act classifies Bitcoin, Ethereum, and similar assets as digital commodities under CFTC oversight.

Larecoin's LARE token operates in this framework. What does that unlock?

For merchants:

• Clear tax treatment (commodity rules apply)

• No securities registration requirements

• Simplified accounting procedures

• Predictable regulatory compliance costs

For customers:

• Legal certainty when using LARE for purchases

• Protection under commodity trading regulations

• Standardized disclosure requirements from exchanges

• Fraud protection mechanisms mandated by CFTC

This isn't theoretical. The Act requires digital commodity exchanges to maintain capital adequacy standards and implement trade surveillance systems. Translation: the wild west days are over. Professional infrastructure is mandatory.

Larecoin built for this moment. LareBlocks meets every CFTC requirement out of the box.

The Push-to-Card Feature Nobody Else Has Nailed

Here's the merchant pain point everyone talks about but few solve: getting crypto funds into your business checking account.

Larecoin's Push-to-Card technology:

• Converts LUSD to USD automatically

• Pushes funds directly to your business debit card

• Settlement in 2-5 seconds (not minutes or hours)

• Works with any Visa/Mastercard business card

• No intermediate exchange accounts required

The process:

1. Customer pays with LUSD at POS

2. Transaction confirms on LareBlocks (2 seconds)

3. Funds convert to USD (instant)

4. Push-to-Card initiates (automatic)

5. Money hits your business account (3 seconds later)

Total time from payment to bank deposit: Under 10 seconds.

NOWPayments requires manual withdrawals to exchange accounts, then another transfer to your bank. 2-3 business days minimum.

CoinPayments? Even slower. Their custody model means you're requesting withdrawals, not receiving automatic settlements.

Speed matters when you're managing cash flow across multiple locations. Read more about reducing merchant interchange fees in our complete guide.

The Verdict: Why Small Businesses Choose Larecoin

The CLARITY Act created regulatory clarity. Larecoin capitalized on it faster than anyone else.

The complete package:

• CFTC-compliant digital commodity framework

• Banking-regulated LUSD stablecoin

• Proprietary LareBlocks Layer 1 (no third-party dependencies)

• Self-custody security with multi-location management

• NFT receipt functionality for every transaction

• AI-powered metaverse integration

• Push-to-Card settlements in seconds

• 50% fee savings vs. traditional processors

Competitors offer pieces of this puzzle. Larecoin delivers the whole picture.

Small businesses don't have time for complex integrations or regulatory uncertainty. The CLARITY Act solved the legal questions. Larecoin solved the technical ones.

Ready to cut your payment processing fees in half? Visit Larecoin merchants to set up your account in under 5 minutes.

The future of small business payments isn't coming. It's here. And it runs on Larecoin.