Stop Wasting Money on Legacy Payment Fees: How the CLARITY Act Makes Larecoin the Cheapest Receivables Token in 2026

Your Business Is Bleeding Money on Payment Fees

Every swipe. Every transaction. Every settlement.

Legacy payment processors are eating 2-3% of your revenue. Add chargebacks, monthly fees, PCI compliance costs, and you're looking at a death by a thousand cuts.

2026 changes everything.

The CLARITY Act (H.R. 3633) just redefined the game for digital commodities. And Larecoin? We're positioned as the cheapest receivables token on the market.

Not cheap in quality. Cheap in the fees that matter.

What the CLARITY Act Actually Means for Your Bottom Line

The CLARITY Act establishes clear regulatory jurisdiction. Digital assets on decentralized networks? Those are commodities under CFTC oversight.

Larecoin qualifies as a digital commodity.

Why this matters:

• Reduced regulatory overhead

• Lower compliance costs

• Protection for decentralized innovation

• Safe harbor for validators and developers

Translation? We pass those savings directly to merchants.

While NOWPayments and CoinPayments are still navigating murky regulatory waters, Larecoin operates with regulatory clarity built into our foundation.

The result: 50% lower merchant fees compared to legacy systems.

The Real Cost Comparison Nobody Talks About

Let's get specific.

Legacy Credit Card Processing:

• Base fee: 2.9% + $0.30 per transaction

• Monthly gateway fees: $25-50

• PCI compliance: $100-300/year

• Chargeback fees: $15-100 per dispute

• Currency conversion: 2-4% additional

NOWPayments/CoinPayments:

• Processing fee: 0.5-1%

• Wallet fees: Variable

• Withdrawal fees: Network dependent

• Currency conversion: 1-2%

• Settlement delays: 24-48 hours

Larecoin on LareBlocks Layer 1:

• Gas-only transfers

• No merchant processing fees

• Instant settlement

• Built-in currency stability with LUSD

• NFT receipt generation included

Do the math. A $10,000 monthly volume merchant saves $290 minimum on legacy systems. Scale that to $100K monthly? You're looking at $2,900+ in savings.

Annual? Over $35,000 back in your pocket.

LareBlocks Layer 1: The Infrastructure That Changes Everything

Our Layer 1 blockchain isn't just another chain.

It's purpose-built for receivables.

Core advantages:

• Sub-second transaction finality

• Gas fees under $0.01

• Native multi-currency support

• Self-custody architecture

• Cross-chain bridge to major networks

While Ethereum merchants are paying $5-50 in gas fees during peak times, Larecoin transactions cost less than a penny.

CoinPayments relies on multiple blockchain integrations. NOWPayments aggregates networks. Both add complexity and cost.

Larecoin? We control the entire stack.

Lower overhead = Lower fees = More profit for you.

Learn how LareBlocks cuts merchant fees by 50%

NFT Receipts: Every Transaction Is Proof

Here's something your current payment processor can't do:

Every Larecoin transaction generates an NFT receipt.

Immutable. Verifiable. Auditable.

Real-world applications:

• Warranty tracking

• Proof of purchase for returns

• Tax documentation

• Loyalty program integration

• Resale verification

Traditional receipts? They fade, get lost, or live in cluttered email folders.

NFT receipts live on-chain forever. Accessible from any wallet. Transferable if needed.

This isn't gimmicky tech. It's infrastructure that adds value at zero additional cost.

LUSD Stablecoin: Stability Without the Volatility Tax

Crypto volatility is the elephant in the room.

Merchants need predictable revenue. Customers want stable prices.

Enter LUSD: Larecoin's native stablecoin.

How it works:

• Pegged 1:1 to USD

• Algorithmically maintained

• Instant conversion from LARE tokens

• No third-party stablecoin dependencies

• Integrated directly into LareBlocks

Accept payments in LARE. Settle in LUSD. No volatility risk.

Compare this to NOWPayments or CoinPayments where you're dependent on USDT, USDC, or other third-party stablecoins: each with their own risk profiles and conversion fees.

Larecoin keeps everything in-house. Lower risk. Lower fees. Complete control.

Self-Custody: Your Money, Your Keys, Your Rules

Legacy payment processors hold your funds.

They decide when you get paid. They freeze accounts. They ask invasive questions.

Not anymore.

Larecoin operates on self-custody principles. Your receivables go directly to your wallet.

Benefits:

• Instant access to funds

• No settlement delays

• No account freezes

• No arbitrary holds

• Complete financial sovereignty

This isn't just philosophical. It's practical.

When your payment processor decides you're "high risk" and freezes $50,000 in receivables, self-custody looks a lot less radical and a lot more like common sense.

Why self-custody is the future of payment processing

The Metaverse Shopping Experience Nobody Expected

AI-powered metaverse commerce is here.

Larecoin integrates directly into virtual shopping environments.

What this enables:

• VR/AR payment experiences

• B2B2C metaverse storefronts

• Virtual product demonstrations

• Crypto-native customer engagement

• Seamless cross-reality transactions

While competitors are still figuring out mobile checkout optimization, Larecoin is building the next generation of commerce infrastructure.

The CLARITY Act's regulatory framework specifically protects decentralized innovation. That includes metaverse applications.

We're not waiting for permission. We're building the future now.

Inside Larecoin's B2B2C metaverse

Why Larecoin Beats NOWPayments and CoinPayments

Let's be direct.

NOWPayments:

• Good aggregation model

• Decent API

• But: dependency on external chains, higher fees, no native stablecoin, no NFT receipts

CoinPayments:

• Wide currency support

• Established reputation

• But: complex fee structures, custody concerns, outdated infrastructure, higher processing costs

Larecoin:

• Purpose-built Layer 1

• Native stablecoin integration

• NFT receipt generation

• Self-custody architecture

• CLARITY Act compliance

• 50%+ fee savings

The numbers don't lie. The infrastructure speaks for itself.

Detailed NOWPayments vs CoinPayments vs Larecoin comparison

The 2026 Advantage: Act Now or Pay Later

The CLARITY Act is law.

Regulatory certainty is here.

Digital commodity status is secured.

Merchants who adopt Larecoin now get first-mover advantage. Lower fees. Better infrastructure. Future-proof technology.

Those who wait? They'll keep bleeding 2-3% to legacy processors while competitors operate at half the cost.

Next steps:

1. Calculate your current payment processing costs

2. Compare against Larecoin's gas-only model

3. Set up your merchant wallet

4. Start accepting LARE and LUSD

5. Generate your first NFT receipt

The cheapest receivables token in 2026 isn't cheap by accident.

It's cheap by design.

Get started with Larecoin merchant payments