CLARITY Act Explained in Under 3 Minutes: Why Larecoin's Digital Commodity Status Changes Everything for Merchants

CLARITY Act: The 60-Second Breakdown

H.R. 3633 just changed the game.

The CLARITY Act (Creating Legal Accountability and Regulatory Innovation To You) splits digital assets into three clean categories:

• Digital commodities

• Investment contract assets

• Permitted payment stablecoins

Larecoin = Digital Commodity.

That means CFTC oversight, not SEC red tape.

No securities regulations strangling merchant payments.

Pure utility. Pure speed.

Why Digital Commodity Status Crushes Legacy Payment Systems

Here's what merchants gain when Larecoin operates as a digital commodity under CFTC jurisdiction:

Zero Ambiguity No more "regulation by enforcement." You know exactly what's compliant. Set up shop. Accept payments. Sleep well.

Payment Flexibility On Steroids Digital commodities bypass securities restrictions. Use Larecoin for settlement, governance, payments, whatever your business needs.

Lower Barriers To Entry Forget the 18-month compliance maze. CFTC-regulated digital commodities mean faster merchant onboarding. Streamlined KYC. Simpler reporting.

The old guard? Still wrestling with state-by-state money transmitter licenses and 3% interchange fees.

The 50% Fee Advantage: Numbers Don't Lie

Traditional payment processors bleed you dry:

• Credit cards: 2.9% + $0.30 per transaction

• PayPal: 3.49% for online transactions

• International fees: Another 1-3% on top

Larecoin merchant fees: 0.5-1.5%.

That's 50%+ savings compared to Visa/Mastercard networks.

On $100,000 monthly revenue?

• Legacy systems cost: $2,900-$3,490

• Larecoin cost: $500-$1,500

• You pocket: $1,400-$2,900 extra every month

Scale that across a year. Across multiple locations.

The math becomes ridiculous.

LareBlocks Layer 1: Self-Custody Security Meets Speed

Our proprietary blockchain isn't just fast, it's yours.

Self-Custody By Design No third-party custodian holding your funds hostage. Your keys. Your crypto. Your control.

NOWPayments and CoinPayments? They're middleware sitting on top of other chains. You're trusting them AND the underlying network.

LareBlocks eliminates that weak link.

Transaction Finality: Under 3 Seconds Real-world payments demand instant settlement. LareBlocks delivers sub-3-second finality without sacrificing security.

Compare that to:

• Bitcoin: 10-60 minutes

• Ethereum: 6-13 minutes

• Most Layer 2 solutions: Still 30-60 seconds

Point-of-sale merchants can't wait. Your customers won't wait.

LareBlocks doesn't make them.

LUSD Stablecoin: Price Stability For Real Commerce

Crypto volatility kills mainstream adoption.

Merchants don't want to accept payment worth $100 today and $87 tomorrow.

Enter LUSD, Larecoin's algorithmic stablecoin.

Pegged 1:1 to USD. Collateralized. Audited.

Accept Larecoin at checkout. Auto-convert to LUSD. Lock in dollar value instantly.

Or hold LARE if you're bullish on digital commodity appreciation.

Your choice. Your strategy.

Competitors like CoinPayments force you into their settlement preferences. NOWPayments offers stablecoin conversion, but charges premium fees and relies on centralized stablecoin issuers.

LUSD is native to the Larecoin ecosystem. No intermediaries. No surprise depegging from third-party issuers.

NFT Receipts: Turning Transactions Into Assets

Every purchase generates a unique NFT receipt on LareBlocks.

Why does this matter?

Proof of Purchase That Can't Be Lost Blockchain-verified receipts. No fading thermal paper. No lost email confirmations.

Returns? Warranties? Loyalty programs?

All tied to that NFT.

Resale Value For Exclusive Items Sold a limited-edition product? The NFT receipt becomes tradeable proof of authenticity.

Customers can resell items with verifiable purchase history attached.

Marketing Data You Actually Own Traditional payment processors own your transaction data. They sell it. You get nothing.

NFT receipts create first-party data owned by you and your customer: not Visa's ad network.

No competitor offers this. Not NOWPayments. Not CoinPayments.

Larecoin turns every sale into a programmable, resellable digital asset.

How Larecoin Stacks Against NOWPayments and CoinPayments

Let's get specific.

NOWPayments

• Supports 300+ cryptocurrencies (sounds great, until you realize fragmentation kills UX)

• 0.5% processing fee (plus network fees you can't control)

• No native blockchain: just API middleware

• No stablecoin solution native to platform

• No NFT receipt functionality

• No metaverse integration

CoinPayments

• Been around since 2013 (legacy tech showing its age)

• 0.5% transaction fee

• Clunky merchant dashboard

• Limited API for custom integrations

• No Layer 1 blockchain ownership

• No AI-powered features

Larecoin

• Built on LareBlocks Layer 1 (we control the entire stack)

• 0.5-1.5% fees with gas-only transfers available

• LUSD native stablecoin

• NFT receipts standard on every transaction

• AI-powered metaverse shopping experiences

• Self-custody by default

• Digital commodity status under CLARITY Act

That last point? Game over.

When CLARITY passes, Larecoin merchants operate with regulatory clarity competitors can't match.

AI-Powered Metaverse Shopping: The 2026 Advantage

Legacy payment processors think in terms of web forms and checkout buttons.

Larecoin thinks in 3D spaces and AI shopping assistants.

Metaverse Storefronts Set up virtual retail locations where customers browse with avatars. Pick up digital twins of physical products. Complete purchase with Larecoin. NFT receipt proves ownership.

Ship physical item to their address: or deliver digital asset instantly.

AI Payment Optimization Our machine learning models analyze transaction patterns to:

• Suggest optimal gas fee timing

• Auto-convert between LARE and LUSD based on volatility

• Detect fraud before it completes

• Recommend loyalty rewards to maximize customer lifetime value

NOWPayments can't do this. CoinPayments definitely can't.

You need native blockchain ownership + AI infrastructure.

Only Larecoin has both.

The Regulatory Moat Nobody Else Has

Here's what keeps me up at night if I'm running NOWPayments or CoinPayments:

CLARITY Act regulatory clarity is coming.

When it does, merchants will demand CFTC-regulated digital commodity payment options.

Larecoin qualifies. Day one.

Competitors? They'll scramble to retrofit compliance. Rearchitect platforms. Delay launches.

Meanwhile, you'll already be onboarded, processing payments, and pocketing 50% fee savings.

First-mover advantage in a newly regulated market is everything.

The merchants who switch to Larecoin in 2026 won't just save money.

They'll establish themselves as compliant, forward-thinking businesses ready for the Web3 payment revolution.

Set Up Takes 8 Minutes

No joke.

1. Sign up at larecoin.com

2. Complete KYC (streamlined under digital commodity framework)

3. Generate your payment API keys

4. Integrate with our SDK or use hosted checkout

5. Start accepting LARE and LUSD

Done.

Traditional merchant accounts? 2-6 weeks of paperwork.

Larecoin? Live same day.

The Bottom Line For Merchants

CLARITY Act recognition as a digital commodity means Larecoin operates with regulatory certainty competitors can't touch.

You get:

• 50%+ fee savings vs credit cards

• Sub-3-second transaction finality on LareBlocks Layer 1

• NFT receipts that add value beyond the sale

• LUSD stablecoin for price protection

• Self-custody security

• AI-powered metaverse integrations

Legacy processors keep you trapped in 1990s payment infrastructure.

NOWPayments and CoinPayments offer crypto: but not control, not innovation, not regulatory clarity.

Larecoin offers the complete stack.

The question isn't whether to adopt Web3 payments.

It's whether you'll lead or follow.

Ready to slash fees and future-proof your payment stack?

Check out our merchant fee reduction guide or explore metaverse shopping features to see what's possible.

The CLARITY Act just opened the door.

Larecoin walks through it.

You coming?