How the CLARITY Act Changes Everything for Crypto Merchants (And Why Your Business Needs to Know)

Regulatory chaos is ending.

The CLARITY Act passed the House in July 2025 with bipartisan support. Now pending Senate approval, it's about to fundamentally reshape how crypto businesses operate in the US.

For merchants accepting digital payments, this isn't just another bill. It's a complete reset of the rules.

What the CLARITY Act Actually Does

Here's the breakdown.

Shifts Power from SEC to CFTC

Most digital assets now get classified as commodities, not securities. That means the Commodity Futures Trading Commission takes over from the SEC for regulatory oversight.

Different agency. Different rules. Different enforcement approach.

Stablecoin Gets Structured

A new Stablecoin Certification Review Committee (SCRC) determines who can issue stablecoins without a banking license. Non-financial companies need exemptions, but only two of three committee members have to approve.

Translation: Clear pathways for legitimate stablecoin issuers.

Tokenized Securities Get Their Own Framework

The SEC focuses specifically on tokenized securities: financial instruments represented as crypto assets on blockchain networks.

Distinct category. Distinct oversight.

The Harmonization Initiative

SEC and CFTC are working together to eliminate conflicting requirements and establish clear digital asset taxonomy by 2026.

No more jurisdictional turf wars. No more regulatory whiplash.

Why Merchants Should Care Right Now

Reduced Compliance Uncertainty

Running a crypto-accepting business meant navigating contradictory guidance from multiple agencies. The CLARITY Act creates defined boundaries.

You'll know which regulator to answer to. You'll understand which rules apply.

Stablecoin Legitimacy

LUSD and other compliant stablecoins gain regulatory clarity. For merchants, this means accepting stablecoins comes with less risk and more predictability.

Customers want price stability. Regulators want oversight. Now both can coexist.

Competitive Advantage Window

Early adopters who integrate compliant crypto payment systems before competitors will capture market share. The CLARITY Act removes the "wait and see" excuse.

2026 is the year to move.

How Larecoin Positions Your Business for the New Era

Built for the post-CLARITY world.

LUSD Stablecoin Compliance

Our LUSD stablecoin is designed with regulatory frameworks in mind. As the CLARITY Act standards solidify, Larecoin merchants operate within established guidelines from day one.

No scrambling to retrofit compliance later.

LareBlocks Layer 1 Infrastructure

LareBlocks provides the blockchain foundation with LareScan as our native explorer. Full transparency. Verifiable transactions. Everything regulators want to see.

Unlike platforms running on borrowed infrastructure, we control the entire stack.

Master/Sub-Wallet Architecture

Merchants get granular control over fund management. Create sub-wallets for different departments, locations, or purposes while maintaining master oversight.

Perfect for regulatory reporting. Perfect for operational clarity.

NFT Receipt System

Every transaction generates an NFT receipt on-chain. Immutable proof of purchase. Permanent audit trail.

Regulators love transparency. Customers love security. Win-win.

The Merchant Fee Advantage

Here's where it gets interesting.

50% Lower Than Legacy Competitors

NOWPayments, CoinPayments, Triple-A: they all charge premium rates. Larecoin undercuts them by half while delivering superior infrastructure.

More margin for you. Lower prices for customers.

Push-to-Card Services

Convert crypto to fiat and push directly to debit cards. No complex off-ramps. No waiting for ACH transfers.

Instant liquidity when you need it.

1.5% Social Impact Tax

Every Larecoin transaction contributes to charity through our built-in 1.5% allocation. Your business becomes part of a larger mission without extra effort.

Feel-good factor meets marketing differentiation.

AI-Powered Shopping Meets B2B2C Metaverse

The CLARITY Act clears the path. Larecoin builds the destination.

AI Shopping Assistants

Our platform integrates AI-powered search and recommendation engines. Customers find products faster. Merchants convert more efficiently.

Check out our metaverse shopping features to see what's coming.

B2B2C Metaverse Experiences

Create immersive shopping environments where businesses sell to businesses who sell to consumers. All on Larecoin infrastructure. All compliant with emerging frameworks.

Virtual storefronts. Digital marketplaces. NFT collectibles.

The future of commerce runs on crypto rails.

What Merchants Need to Do Now

Step 1: Get Set Up

Visit larecoin.com/merchants and create your merchant account. Takes minutes.

Step 2: Integrate Payment Gateway

Our API documentation makes integration straightforward. Whether you run Shopify, WooCommerce, or custom infrastructure, we've got you covered.

Step 3: Configure Your Preferences

Set up master/sub-wallet structure. Choose automatic conversion settings. Enable NFT receipts.

Step 4: Launch

Start accepting crypto payments with full regulatory confidence.

The Stablecoin Question

Senate debates continue over whether stablecoin issuers should pay interest on holdings. Regardless of outcome, LUSD positions merchants correctly.

If Interest Gets Approved: We're ready to implement.

If Interest Gets Blocked: Our fee structure already provides value without it.

Either way, Larecoin merchants win.

Jurisdictional Clarity Means Growth Opportunity

Here's what businesses feared before CLARITY:

• Accepting crypto might trigger securities violations

• State-by-state licensing requirements created compliance nightmares

• Unclear tax treatment led to accounting headaches

• Regulatory enforcement felt arbitrary and unpredictable

Here's what the CLARITY Act fixes:

• Commodity classification for most digital assets

• Federal framework supersedes conflicting state rules

• Clear taxonomy enables proper tax accounting

• Defined regulatory boundaries create predictability

The shift from fear to confidence unlocks merchant adoption.

Why Legacy Processors Can't Compete

NOWPayments and CoinPayments built their businesses in the old regulatory environment. They're retrofitting compliance.

Larecoin started with CLARITY-style frameworks in mind.

Their Approach: Add compliance layers to existing systems. Increase fees to cover complexity.

Our Approach: Native compliance from protocol level up. Lower fees through efficient design.

Merchants notice the difference.

The 2026 Timeline

CFTC and SEC aim to finalize digital asset taxonomy this year. That's your window.

Q1-Q2 2026: Frameworks solidify. Guidance gets published.

Q3-Q4 2026: Enforcement begins under new rules.

Get ahead or get left behind.

Join the Community

Over on Larecoin's discussion forum, merchants share implementation strategies, compliance tips, and growth tactics.

Real businesses. Real results. Real conversations.

Bottom Line

The CLARITY Act creates the regulatory foundation crypto commerce always needed.

Larecoin provides the infrastructure to capitalize on it.

Lower fees than competitors. Better tools than alternatives. Compliance baked into every layer.

Your business deserves payment processing that works with regulation, not against it.

Ready to move forward?

Check out Larecoin merchant solutions and set up your account today.

The future of crypto payments isn't coming.

It's here.