How the CLARITY Act Changes Everything: Why Merchants Are Ditching NOWPayments for Self-Custody Crypto POS Systems

The crypto payment landscape just shifted. Hard.

H.R. 3633: better known as the CLARITY Act: redefined how digital assets get regulated in the U.S. And merchants? They're reading the room.

The old guard crypto payment processors are scrambling. Third-party custodial solutions like NOWPayments suddenly look risky, expensive, and outdated.

Self-custody POS systems are the new standard.

Here's why.

The CLARITY Act: What Actually Changed

The CLARITY Act established clear jurisdictional lines between the SEC and CFTC for digital asset oversight. No more regulatory gray zones. No more guessing games about which agency governs what.

For merchants accepting crypto, this means:

Regulatory certainty. You know the rules. You know who enforces them.

Reduced compliance risk. Clear frameworks mean fewer surprise enforcement actions.

Institutional confidence. Banks and payment processors can finally play ball without fear.

The GENIUS Act followed close behind, regulating payment stablecoins with bank-like requirements. OCC-licensed entities. AML compliance. No interest payments on stablecoins.

Translation: The wild west era is over. Crypto payments are entering the legitimate economy.

And merchants who control their own wallets? They're positioned to win.

Why NOWPayments Is Yesterday's Solution

NOWPayments served a purpose. Past tense.

When crypto regulations were murky, merchants needed a middleman to handle compliance complexity. Third-party processors absorbed the risk. They held the keys. They charged premium fees for that service.

The problem? You never owned your crypto.

NOWPayments charges 0.5% to 1% transaction fees. Plus withdrawal fees. Plus monthly minimums for some plans. Plus limited control over settlement timing.

You're renting access to your own money.

The CLARITY Act flipped the script. Regulatory clarity means merchants can self-custody without the compliance headaches that justified high fees.

Why pay someone else to hold your funds when you can do it cheaper, faster, and with complete control?

Merchants are asking that question. And they're not liking NOWPayments' answer.

The Self-Custody Advantage

Self-custody means you hold the private keys. Your funds. Your control. Your timeline.

Post-CLARITY Act, self-custody isn't just possible: it's preferable.

Instant settlements. No waiting for a third party to batch transactions and release funds. You receive payments directly to wallets you control.

Lower fees. Eliminate the middleman markup. With Larecoin's ecosystem, merchants pay 50% less than NOWPayments, CoinPayments, and Triple-A.

Zero counterparty risk. If your payment processor goes down, gets hacked, or freezes accounts, you're not affected. Your keys. Your crypto.

Regulatory compliance built-in. Solutions like Larecoin integrate compliance tools directly into merchant portals. You get the control AND the compliance.

The CLARITY Act made self-custody safe. Smart merchants are making it standard.

Larecoin's Merchant Ecosystem: Built for the New Era

Larecoin isn't just another payment token. It's an entire merchant infrastructure designed for post-CLARITY commerce.

Master and Sub-Wallets

Most merchants need multiple payment streams. Different stores. Different departments. Different revenue tracking.

Larecoin's Master/Sub-wallet architecture handles this natively. One master account. Multiple sub-wallets for granular control. Perfect for multi-location businesses or complex revenue allocation.

NOWPayments? You're managing separate accounts and paying multiple fee tiers.

NFT Receipts

Every transaction generates an NFT receipt. Immutable. Verifiable. Programmatically useful.

For merchants: Automatic record-keeping for accounting and tax compliance.

For customers: Proof of purchase that can't be faked or lost.

For loyalty programs: Receipts become programmable engagement tools. Rewards, discounts, exclusive access: all triggered by on-chain purchase history.

Third-party processors give you a PDF. Larecoin gives you infrastructure.

LUSD Stablecoin Integration

Crypto volatility is a real concern for merchants. You don't want to accept payment in BTC and watch it drop 10% before you can pay suppliers.

LUSD stablecoin solves this. Dollar-pegged stability. Instant conversion from volatile crypto to stable value. Native integration with Push-to-Card services.

Accept crypto. Settle in stablecoins. Convert to fiat instantly if needed.

All self-custodied. All under your control.

The Social Impact Angle

Here's where Larecoin separates from the pack.

Every transaction includes a 1.5% tax directed to charity wallets. Automated. Transparent. Verifiable on-chain.

For socially conscious merchants, this is powerful positioning. You're not just accepting crypto: you're contributing to social good with every sale.

Marketing writes itself. Customers love supporting businesses that give back. And you get to choose which charitable causes receive funding.

NOWPayments doesn't offer this. Traditional payment processors can't replicate it. It's uniquely Web3.

LareBlocks and LareScan: Layer 1 Infrastructure

Most crypto payment solutions build on top of existing blockchains. Larecoin built its own.

LareBlocks is Larecoin's Layer 1 blockchain. Purpose-built for payments and commerce. Optimized for speed and low fees.

LareScan provides blockchain exploration and analytics. Full transparency into transaction history, wallet activity, and network performance.

Why does this matter for merchants?

Speed. Layer 1 control means no congestion issues from unrelated DeFi activity.

Cost. No competing with NFT mints or DeFi trades for block space. Transaction fees stay predictable and low.

Reliability. You're not dependent on another chain's roadmap or upgrade schedule.

Self-custody on infrastructure designed specifically for commerce. That's the advantage.

AI-Powered Shopping and B2B2C Metaverse

The future of commerce isn't just digital: it's intelligent and immersive.

Larecoin integrates AI-powered search and recommendations directly into its merchant portal. Smart product discovery. Automated inventory management. Predictive demand forecasting.

The B2B2C metaverse platform enables merchants to create virtual storefronts alongside physical ones. Your customers shop in-store, online, or in virtual spaces. Same payment system. Same self-custodied wallets.

Want to future-proof your payment infrastructure? You need more than just a checkout button. You need an ecosystem that evolves with commerce technology.

Check out 15 Metaverse Shopping Features to Future-Proof Your Small Business in 2026 for the full picture.

Push-to-Card: Instant Fiat Access

Self-custody doesn't mean you're stuck in crypto-only land.

Larecoin's Push-to-Card service enables instant conversion from crypto to fiat, deposited directly to your bank card.

Accept crypto payments. Convert to dollars. Spend immediately.

No waiting for exchange transfers. No complex withdrawal processes. No paying NOWPayments to release your own funds.

True financial flexibility with true self-custody.

The Migration Wave Has Started

Talk to merchants in crypto-friendly zones. They're switching.

Coffee shops in Miami. E-commerce stores selling globally. B2B suppliers accepting digital payments.

The pattern is consistent: They started with third-party processors. The CLARITY Act dropped. They realized self-custody was now viable. They switched to lower-fee, higher-control alternatives.

Larecoin's merchant base grew 340% in Q4 2025. That's not organic growth. That's a migration.

The merchants who move first gain competitive advantages. Lower payment processing costs mean better margins or better pricing. Better customer experience means higher retention. Better technology means easier scaling.

What This Means for Your Business

If you're currently using NOWPayments or similar services, ask yourself:

Do you need someone holding your crypto for you?

Are you comfortable paying 2x the fees for less control?

Can you afford to lag behind competitors on payment technology?

The CLARITY Act created the regulatory framework for self-custody commerce. Larecoin built the infrastructure to execute it.

Your move.

Getting Started Is Stupid Simple

No blockchain degree required. No complex setups.

Step 1: Create your merchant account at larecoin.com.

Step 2: Set up your Master wallet and any Sub-wallets you need.

Step 3: Integrate the POS system. API documentation is straightforward. Plugins available for major e-commerce platforms.

Step 4: Start accepting crypto. Keep custody. Pay lower fees.

The regulatory uncertainty that justified expensive third-party processors is gone. The technology that makes self-custody merchant-friendly is here.

Join the Larecoin Community to connect with other merchants making the switch.

The payment revolution isn't coming. It's here. And it's self-custodied.