CLARITY Act Explained in Under 3 Minutes: Why Larecoin Just Became Your Safest Crypto Payment Option

The CLARITY Act Just Changed Everything

The Digital Asset Market Clarity Act passed the House in July 2025.

Most cryptocurrencies now fall under CFTC jurisdiction as commodities.

Not securities. Commodities.

That single classification shift makes Larecoin the safest payment option for merchants in 2026.

Here's why.

What the CLARITY Act Actually Does

The CLARITY Act (H.R. 3633) establishes clear regulatory boundaries.

Before CLARITY:

• SEC vs. CFTC jurisdiction unclear

• Every digital asset potentially a security

• Regulatory compliance costs through the roof

• Merchants hesitant to accept crypto

After CLARITY:

• Digital assets classified as commodities

• CFTC oversees most cryptocurrencies

• Clear compliance pathways

• Merchant confidence restored

Larecoin operates as a digital commodity on LareBlocks Layer 1.

Full regulatory clarity. Zero ambiguity.

Why Commodity Classification Matters for Your Business

Commodity status under CFTC means:

Simplified Compliance

• No securities registration requirements

• Streamlined reporting obligations

• Lower legal overhead

• Predictable regulatory framework

Institutional Trust

• Banks more willing to work with commodity-based crypto

• Traditional finance integration easier

• Corporate treasury adoption accelerated

• Mainstream merchant acceptance grows

Tax Advantages

• Commodity taxation clearer than securities

• Capital gains treatment standardized

• Business deductions more straightforward

• Accounting simplified

Larecoin built its entire architecture around commodity classification before CLARITY passed.

We saw this coming.

The 50% Fee Savings No One's Talking About

Traditional payment processors drain merchant profits.

Credit cards: 2.9% + $0.30 per transaction.

Legacy crypto gateways like NOWPayments and CoinPayments: 0.5% to 1% + withdrawal fees.

Larecoin merchant fees: 0.25%

That's 50% lower than competitors. Sometimes 90% lower than traditional rails.

Real Numbers for Real Businesses

$100,000 monthly revenue:

• Credit card processing: $3,200 in fees

• NOWPayments/CoinPayments: $700-$1,100 in fees

• Larecoin: $250 in fees

Annual savings: $8,400 to $35,400

Self-custody on LareBlocks Layer 1 eliminates custodial fees entirely.

No middleman. No withdrawal charges. No hidden costs.

Just pure payment efficiency.

LUSD Stablecoin: The Missing Piece

Volatility killed crypto payments for years.

Accept Bitcoin today. Worth 15% less tomorrow.

Enter LUSD: Larecoin's dollar-pegged stablecoin

Benefits merchants immediately:

• Price stability during transactions

• Instant settlement in dollar-equivalent

• Zero volatility risk

• Seamless conversion to LARE or fiat

LUSD operates on the same LareBlocks infrastructure.

Same 0.25% fees. Same instant settlement. Same regulatory clarity.

Merchants choose LARE for growth potential or LUSD for stability.

Both work inside the same payment flow.

NFT Receipts: The Future of Transaction Records

Every Larecoin payment generates an NFT receipt.

Not a gimmick. A revolution in record-keeping.

What NFT Receipts Provide

Immutable Proof of Purchase

• Blockchain-verified transaction history

• Tamper-proof audit trails

• Instant dispute resolution

• Warranty tracking built-in

Customer Engagement

• Collectible receipts for brand loyalty

• Gamified shopping experiences

• Resale market for limited edition purchases

• Community building tools

Tax Compliance

• Automatic categorization

• Export to accounting software

• Real-time expense tracking

• Audit-ready documentation

Traditional payment processors offer paper receipts or email confirmations.

Larecoin offers permanent, verifiable, valuable digital assets.

LareBlocks Layer 1: Self-Custody Security

Third-party custody equals third-party risk.

NOWPayments and CoinPayments hold your funds. You trust them not to get hacked.

Larecoin uses LareBlocks Layer 1 for direct merchant wallets.

Self-Custody Advantages

You Control Your Money

• Private keys stay private

• No custodian can freeze accounts

• Instant access 24/7

• Zero counterparty risk

Enterprise-Grade Security

• Multi-signature wallet options

• Hardware wallet integration

• Biometric authentication

• Cold storage protocols

No Withdrawal Limits

• Access full balance anytime

• No waiting periods

• No approval requirements

• True financial sovereignty

LareBlocks processes 50,000 transactions per second.

Finality in under 2 seconds.

Faster than Visa. Cheaper than PayPal. Safer than centralized exchanges.

How Larecoin Stacks Against Competitors

Let's compare the major crypto payment platforms accepting merchant transactions in 2026.

Larecoin vs. NOWPayments

NOWPayments:

• 0.5% transaction fee

• Custodial service

• 200+ cryptocurrencies supported

• No native stablecoin

• Traditional transaction records

Larecoin:

• 0.25% transaction fee (50% lower)

• Self-custody on Layer 1

• LARE + LUSD optimized ecosystem

• Built-in stablecoin

• NFT receipts for every transaction

Larecoin vs. CoinPayments

CoinPayments:

• 0.5% to 1% transaction fee

• Custodial wallet required

• Settlement in 2-3 business days

• Limited stablecoin options

• No commodity classification clarity

Larecoin:

• 0.25% transaction fee

• Optional self-custody

• Instant settlement (2 seconds)

• Native LUSD stablecoin

• Full CLARITY Act compliance as commodity

The numbers don't lie.

AI-Powered Metaverse Shopping Integration

Larecoin isn't just for online checkouts.

The metaverse shopping integration changes retail forever.

What Makes It Different

AI Personal Shopping Assistants

• Voice-activated crypto payments

• Automated best price discovery

• Personalized recommendations

• Virtual try-before-you-buy

Seamless Cross-Reality Commerce

• Shop in metaverse, ship to real address

• Virtual goods + physical products in one cart

• Unified payment across platforms

• Single LUSD/LARE balance for everything

Instant Verification

• NFT receipts mint in real-time

• Virtual proof of ownership immediate

• Warranty tracking automatic

• Resale authentication built-in

Learn more about metaverse features at our dedicated metaverse shopping guide.

Traditional payment gateways can't touch this functionality.

They're built for web2. Larecoin is built for web3.

The Regulatory Advantage Window

CLARITY Act compliance gives Larecoin a 12-18 month head start.

Other platforms scramble to retrofit their architecture.

Larecoin already operates as a regulated digital commodity.

First-mover advantages:

• Banking partnerships easier to establish

• Institutional adoption accelerated

• Merchant trust higher

• Regulatory risk minimized

This window won't last forever.

Competitors will adapt. Banks will catch up.

Early adopters capture the competitive edge.

Why Merchants Choose Larecoin in 2026

Three factors dominate merchant decision-making:

1. Regulatory Certainty CLARITY Act commodity classification removes legal ambiguity.

2. Cost Efficiency 50% lower fees than competitors compound over time.

3. Future-Ready Infrastructure NFT receipts, metaverse integration, and AI shopping aren't experimental features.

They're production-ready today.

Visit larecoin.com to see the full merchant toolkit.

Set Up Your Merchant Account in Under 10 Minutes

No lengthy applications. No credit checks. No approval delays.

Three steps to start accepting Larecoin:

1. Create LareBlocks wallet

2. Generate payment address

3. Add checkout button to website

That's it.

0.25% fees start immediately. Self-custody enabled from day one.

LUSD stablecoin optional. NFT receipts automatic.

The CLARITY Act made commodity-based crypto payments legitimate.

Larecoin makes them profitable.