How the CLARITY Act Makes Larecoin 50% Cheaper Than NOWPayments (And Why Merchants Are Switching)

The CLARITY Act (H.R. 3633) just changed everything for crypto payments.

Larecoin is classified as a digital commodity. That means lower compliance costs. Lower regulatory overhead. And massive savings passed directly to merchants.

NOWPayments? Still dealing with legacy infrastructure and outdated fee structures.

The result: Larecoin is now 50% cheaper for merchants. And they're switching fast.

The CLARITY Act Game-Changer

H.R. 3633 establishes clear regulatory categories for digital assets.

Digital commodities get different treatment than securities. Less red tape. Streamlined compliance. Lower operational costs.

Larecoin fits squarely in the digital commodity bucket. Built from day one for payments. Not speculation. Not investment contracts. Pure utility.

This classification means:

• Reduced compliance burden

• Lower exchange requirements

• Simplified merchant onboarding

• Faster transaction processing

• Zero security token complications

NOWPayments supports dozens of tokens. Many fall into gray regulatory areas. That uncertainty costs money. And merchants pay the price.

The Real Cost Breakdown

Let's talk numbers.

NOWPayments Standard Fees:

• 0.5% transaction fee

• 0.5% exchange fee (for fiat conversion)

• Additional withdrawal fees

• Network gas fees passed to merchants

• Custody fees for held balances

Larecoin Merchant Fees:

• 0.25% transaction fee

• Zero exchange fees (LUSD stablecoin option)

• Gas-only transfers available

• Self-custody option (no holding fees)

• NFT receipt included free

That's a 50% reduction on base fees alone.

Add in the LUSD stablecoin integration and merchants skip exchange fees entirely. Accept crypto. Hold stable value. No volatility risk. No conversion costs.

CoinPayments charges similar rates to NOWPayments. Legacy players are stuck in old pricing models because their tech infrastructure can't compete.

Why Merchants Are Actually Switching

Price is just the beginning.

Merchants want features. Real utility. Not just payment processing.

NFT Receipts Change Everything

Every Larecoin transaction generates an NFT receipt. Immutable. Verifiable. Instantly accessible.

This isn't gimmicky tech. It's practical business value:

• Instant proof of purchase

• Fraud prevention

• Customer loyalty programs built-in

• Resale marketplace integration

• Warranty verification

• Supply chain transparency

NOWPayments gives you a transaction ID. Cool. Larecoin gives you a programmable digital asset that unlocks entire business models.

LUSD Stablecoin Integration

Volatile crypto scares merchants. LUSD solves this.

Accept payment in LARE tokens. Automatically convert to LUSD. Hold stable value. No market risk. No timing games. No watching charts all day.

LUSD is backed by the Larecoin ecosystem. Pegged 1:1 to USD. Redeemable anytime. Built on LareBlocks Layer 1 for speed and security.

Legacy payment processors force you to convert to fiat immediately or ride the volatility wave. LUSD gives you actual choice.

LareBlocks Layer 1 Security

Self-custody matters.

NOWPayments holds your funds. You trust their security. Their custody. Their compliance. Their potential regulatory issues.

Larecoin runs on LareBlocks Layer 1. Purpose-built blockchain for Web3 payments.

Merchants control their own wallets. Direct custody. No intermediary risk. No frozen accounts. No "we're investigating your payment" delays.

Security features include:

• Multi-signature wallet support

• Hardware wallet integration

• Instant settlement finality

• Zero-knowledge transaction options

• Cross-chain bridge compatibility

• 24/7 decentralized validation

You own your crypto. Not a payment processor. Not a custodian. You.

That's not just philosophy. It's risk management.

The AI-Powered Metaverse Edge

Payments are going digital. Then virtual. Then metaverse-native.

Larecoin is already there.

AI-powered shopping experiences built directly into the ecosystem. Virtual storefronts. Digital product showcases. Metaverse commerce ready.

Merchants can:

• Set up virtual shops in minutes

• Showcase products with AI-generated environments

• Accept payments across physical and digital realms

• Integrate with existing metaverse platforms

• Use AI chatbots for customer service

• Automate inventory across virtual spaces

Check out our full guide on metaverse shopping features for implementation details.

NOWPayments processes payments. That's it. No metaverse integration. No AI tools. No forward-looking infrastructure.

By the time they build this, you'll already have years of data and customer relationships.

Real Merchant Comparison

Small E-commerce Store ($50K monthly volume):

NOWPayments/CoinPayments:

• Base fees: $250/month

• Exchange fees: $250/month

• Custody/withdrawal: $50/month

• Total: $550/month

Larecoin:

• Base fees: $125/month

• Exchange fees (LUSD): $0/month

• Self-custody: $0/month

• Total: $125/month

Annual savings: $5,100

Medium Retail Business ($500K monthly volume):

Legacy Processors:

• Total monthly fees: $5,500

Larecoin:

• Total monthly fees: $2,625

Annual savings: $34,500

That's real money. Not marketing fluff. Actual bottom-line impact.

The Regulatory Advantage

The CLARITY Act creates certainty.

Larecoin is positioned perfectly. Digital commodity classification. Purpose-built for payments. Regulatory-compliant infrastructure.

Merchants switching now get ahead of regulatory shifts. No scrambling when rules change. No platform migrations. No compliance surprises.

Legacy processors will need to restructure. Update systems. Reassess supported tokens. Deal with classification complications.

You're already compliant. Already positioned. Already saving money.

Gas-Only Transfer Option

Want even lower fees?

Larecoin offers gas-only transfers. Pay just network fees. Nothing else. No percentage cuts. No processing charges.

Perfect for:

• Large transactions

• B2B payments

• Recurring billing

• Wholesale orders

• International transfers

NOWPayments can't match this. Their business model depends on percentage fees. They can't let you skip their cut.

Larecoin's model aligns with merchant success. Lower barriers. More adoption. Bigger ecosystem. Everyone wins.

Cross-Chain Compatibility

LareBlocks connects to major networks.

Solana integration. Binance Smart Chain. Ethereum bridges. Cross-chain swaps built-in.

Merchants accept one payment. Customers pay with any compatible token. The protocol handles conversion seamlessly.

No forcing customers into specific wallets. No limiting payment options. No friction.

NOWPayments handles multiple tokens but through centralized routing. Slower. More expensive. Less flexible.

Decentralized cross-chain means better rates, faster settlement, and no single point of failure.

Making the Switch

Migration is simple.

Most merchants are live within 24 hours:

1. Create Larecoin merchant account

2. Generate payment widget code

3. Install on website/POS

4. Configure LUSD auto-conversion (optional)

5. Set up NFT receipt customization

6. Go live

Support team handles technical questions. Documentation covers every integration type. Community forum provides real-world tips.

Existing NOWPayments/CoinPayments customers can run both systems during transition. Test Larecoin with portion of transactions. Compare results. Switch fully when comfortable.

No long-term contracts. No cancellation fees. No lock-in.

The Bottom Line

CLARITY Act regulation makes Larecoin cheaper to operate.

That savings goes to merchants. 50% lower fees. Better features. Future-proof infrastructure.

NFT receipts add value beyond payments. LUSD removes volatility risk. Self-custody provides security and control. AI and metaverse tools prepare for what's next.

NOWPayments and CoinPayments are legacy systems. Built before modern blockchain capabilities. Before regulatory clarity. Before merchants demanded more than just processing.

Switching isn't complicated. The math is clear. The savings are real.

Start saving today at larecoin.com.

Join the Larecoin community to see what merchants are building.

The future of payments is here. And it's 50% cheaper.