CLARITY Act Passes: 5 Steps How to Future-Proof Your Merchant Crypto Payments (Easy Guide for 2026)

The CLARITY Act just changed everything for merchant crypto payments.

Senate passage means digital assets now have clear commodity classification. No more SEC enforcement gray zones. No more regulatory guessing games.

For merchants accepting crypto? This is your moment.

Traditional payment processors charge 2.9% + $0.30 per transaction. Credit card interchange fees eat 1.5-3.5% of every sale. Chargebacks cost you $15-100 each time they hit.

Larecoin cuts those fees by 50% minimum.

Here's your 5-step playbook to future-proof your merchant operations under the new CLARITY framework.

Step 1: Switch to Commodity-Classified Digital Assets (LARE Qualifies)

CLARITY Act defines digital commodities through CFTC oversight. Not securities. Not unregistered offerings.

Commodities.

Larecoin operates as a digital commodity on its own Layer 1 blockchain (LareBlocks). Zero securities risk. Full regulatory clarity. Built-in compliance from day one.

Compare this to payment processors like NOWPayments or CoinPayments: they route through 200+ tokens with mixed regulatory status. Some are securities. Some aren't. Every transaction carries compliance uncertainty.

LARE? Pure commodity classification.

Set up your merchant account at larecoin.com in under 10 minutes. KYC verification takes 24 hours max. Start accepting payments immediately after approval.

Why commodity status matters:

• No SEC enforcement risk on your business

• Lower insurance costs for payment processing

• Simpler tax reporting (commodity = capital gains treatment)

• International transactions face fewer regulatory hurdles

• Banks more willing to provide merchant accounts

Legacy crypto payment processors like NOWPayments charge 0.5% transaction fees on top of network costs. CoinPayments hits you with 0.5% + potential conversion fees.

Larecoin's LareBlocks Layer 1? Gas-only transfers. No platform fees. No intermediary cuts.

Step 2: Deploy LUSD Stablecoin for Zero-Volatility Settlements

Crypto volatility scares traditional merchants. Fair concern.

LUSD solves it.

Larecoin's native stablecoin pegs 1:1 to USD. Algorithmic stability mechanism maintains the peg through market conditions. Accept LUSD payments and receive exact dollar-equivalent value: no price fluctuation between customer checkout and your bank deposit.

Here's the setup:

1. Enable LUSD in your Larecoin merchant dashboard

2. Set automatic conversion rules (LARE → LUSD or hold native LARE)

3. Choose settlement frequency (instant, daily, weekly)

4. Link your business bank account for fiat off-ramps

Real numbers:

Traditional payment processor on $10,000 monthly revenue:

• Stripe/Square fees: $290-350

• Chargeback costs: $45-150 (estimated 3 disputes/month)

• Total cost: $335-500

Larecoin with LUSD settlements on same revenue:

• Gas fees (LareBlocks): $8-15

• Zero chargeback risk (blockchain-final transactions)

• Total cost: $8-15

That's 94-97% fee reduction compared to legacy systems.

CoinPayments offers stablecoin support but charges conversion fees between assets. NOWPayments limits stablecoin options to USDT/USDC with custody risks.

LUSD lives natively on LareBlocks. No third-party custody. No conversion spreads. Pure peer-to-peer value transfer.

Step 3: Implement NFT Receipt System for Customer Loyalty

CLARITY Act's commodity framework extends to NFT utility tokens. Digital receipts qualify as functional NFTs: not securities.

Every Larecoin transaction generates an optional NFT receipt.

Enable this feature for:

• Permanent transaction records (blockchain-immutable)

• Customer loyalty programs (NFT-gated discounts)

• Warranty tracking (tied to specific purchase NFTs)

• Membership tiers (accumulate receipt NFTs for VIP status)

Setup process:

1. Navigate to Larecoin merchant settings

2. Toggle "NFT Receipt Generation" to ON

3. Customize receipt design with your branding

4. Set loyalty rules (5 NFTs = 10% discount, 10 NFTs = free shipping)

5. Customers automatically receive NFT to their Larecoin wallet

Traditional processors like NOWPayments and CoinPayments don't offer NFT integration. You're paying for basic payment rails without customer retention tools.

Larecoin bundles payments + loyalty + blockchain proof in one system.

Merchants using NFT receipts report 23% higher repeat customer rates. Why? Customers can see their purchase history as collectible assets. Gamification drives engagement.

Step 4: Enable Self-Custody Push-to-Card for Instant Liquidity

CLARITY Act protects self-custody rights. Your crypto. Your keys. Your control.

Larecoin's push-to-card feature lets you maintain self-custody while accessing instant fiat liquidity.

How it works:

Accept LARE or LUSD payment → funds hit your self-custody wallet → instant push to linked debit card → spend fiat anywhere Visa/Mastercard accepted.

Zero intermediary custody. Zero exchange deposits. Zero 3-5 day settlement windows.

Comparison breakdown:

NOWPayments requires exchange deposits for fiat conversion. Your crypto sits in their custody for 24-48 hours during settlement. Security risk. Counterparty risk.

CoinPayments offers direct bank transfers but processes in 2-5 business days. Cash flow delays hurt small merchants.

Larecoin's push-to-card?

• Maintains your self-custody until the second you need fiat

• Converts and delivers to your card in under 60 seconds

• Works globally in 180+ countries

• Costs 0.5% flat fee (vs. 2.9% legacy processor fees)

This is what future-proof payments look like under CLARITY's self-custody protections.

Step 5: Integrate AI Metaverse Shopping for Web3-Native Customers

CLARITY Act legitimizes digital commodity use cases beyond simple transfers. Includes metaverse transactions. Virtual goods. AI-powered commerce.

Larecoin's AI shopping integration connects your physical products to Web3 spaces.

Setup steps:

1. Access Larecoin's merchant API dashboard

2. Generate your store's metaverse gateway link

3. Upload product catalog (supports Shopify/WooCommerce imports)

4. Enable AI shopping assistant (answers customer questions via chat)

5. Launch your virtual storefront in Larecoin's metaverse marketplace

Customers browse your products in VR/AR environments. AI assistant provides product recommendations. One-click checkout with LARE or LUSD. Instant NFT receipt confirms purchase.

Traditional processors like NOWPayments and CoinPayments don't offer metaverse integration. They're stuck in 2D web payment forms.

Larecoin merchants get:

• 3D product displays in virtual showrooms

• AI-powered customer service (24/7 automated support)

• Cross-platform compatibility (mobile, desktop, VR headset)

• Integrated crypto + fiat payment options

• Automatic inventory sync with your existing e-commerce platform

Early adopter merchants report 31% higher average order values in metaverse environments. Why? Immersive shopping experiences drive impulse purchases. AI assistants upsell complementary products naturally.

The CLARITY Act Advantage: Why Now?

Regulatory uncertainty kept merchants cautious about crypto payments for years. Not anymore.

CLARITY Act provides:

• Legal certainty: Digital commodities have defined regulatory oversight (CFTC)

• Banking access: Financial institutions can service crypto merchants without SEC compliance fears

• Tax clarity: Commodity treatment simplifies accounting and reporting

• International trade: Harmonized standards reduce cross-border payment friction

Larecoin built its entire infrastructure anticipating this regulatory framework. LareBlocks Layer 1 designed for commodity classification. LUSD structured for stablecoin utility compliance. NFT receipts architected as functional tokens.

You're not adapting to CLARITY Act requirements.

You're activating features already built into Larecoin's system.

Quick Comparison: Larecoin vs. Legacy Crypto Processors

NOWPayments:

• 0.5% transaction fees

• 200+ token support (compliance uncertainty)

• Custodial settlements

• 24-48 hour fiat conversion

• No NFT integration

• No metaverse support

CoinPayments:

• 0.5% fees + conversion costs

• Custodial wallets required

• 2-5 day bank settlements

• Limited stablecoin options

• No AI shopping tools

• No push-to-card functionality

Larecoin:

• Gas-only fees (no platform charges)

• CLARITY-compliant commodity asset

• Self-custody maintained throughout

• 60-second push-to-card liquidity

• Native NFT receipt system

• AI metaverse shopping included

• LUSD stablecoin for zero volatility

The choice is clear for forward-thinking merchants.

Start Your CLARITY-Compliant Setup Today

Five steps. Future-proof infrastructure. Regulatory compliance baked in.

Join 10,000+ merchants already processing payments on LareBlocks.

Visit larecoin.com to create your merchant account. Full documentation and API guides available at larecoin.com/trust.

The CLARITY Act opened the door. Larecoin built the entire payment system waiting behind it.

Your move.