The CLARITY Act Advantage: Why Smart Merchants Are Ditching NOWPayments and CoinPayments in 2026

The Regulatory Game Just Changed

February 2026.

The CLARITY Act is reshaping crypto payments.

Smart merchants are already making moves.

While the legislation navigates Senate Banking Committee procedures, forward-thinking businesses aren't waiting. They're pivoting to payment processors built for the new regulatory framework: ones designed with SEC and CFTC clarity baked into their DNA.

What NOWPayments and CoinPayments Get Wrong

Legacy crypto payment processors operate on outdated infrastructure.

The Problems:

• High transaction fees (2-3% industry standard)

• Limited regulatory compliance frameworks

• Zero social impact mechanisms

• Basic wallet functionality

• No native Layer 1 infrastructure

• Generic reporting tools

• Missing AI-powered features

They built for 2020. We're living in 2026.

The CLARITY Act's regulatory framework distinguishes between securities and commodities in digital assets. Payment processors that can't adapt? They're already obsolete.

The Larecoin Difference: 50% Lower Fees, 100% More Features

Let's talk numbers.

Traditional processors: 2-3% per transaction Larecoin: 1-1.5% (including the 0.5% charity contribution)

That's 50% cost reduction while actually adding social impact.

LareBlocks & LareScan Infrastructure

Larecoin operates on its own Layer 1 blockchain.

What does that mean for merchants?

• Gas-only transfers for LARE tokens

• Sub-second transaction confirmation

• Complete blockchain transparency via LareScan

• No reliance on congested networks

• Predictable, minimal transaction costs

NOWPayments and CoinPayments force you to navigate multiple blockchains with inconsistent fees. Larecoin streamlines everything through unified infrastructure.

LUSD Stablecoin: The Volatility Killer

Crypto volatility scares merchants.

LUSD solves it.

Larecoin's native stablecoin lets businesses accept crypto without crypto risk. Customer pays in any supported token. You receive stable value. Instant conversion. Zero volatility exposure.

Push-to-Card services take it further: funds hit your traditional bank account within hours. Crypto flexibility with fiat familiarity.

Traditional processors offer basic stablecoin support. Larecoin built it into the ecosystem foundation.

Merchant Tools That Actually Matter

NFT Receipts

Every transaction generates an NFT receipt.

Why it matters:

• Immutable proof of purchase

• Enhanced customer engagement

• Built-in loyalty program foundation

• Fraud prevention

• Automated record-keeping

No other payment processor offers this standard.

Master/Sub-Wallet Architecture

Manage multiple locations, departments, or revenue streams through one interface.

Features:

• Separate wallets for different business units

• Centralized oversight and reporting

• Individual spending limits

• Team member access controls

• Consolidated tax reporting

Perfect for franchises, multi-location retailers, and growing businesses.

AI-Powered Shopping Assistant

Larecoin's AI integration transforms the checkout experience.

Customers get:

• Natural language payment commands

• Smart product recommendations

• Automated discount discovery

• Predictive shipping preferences

Merchants get:

• Higher conversion rates

• Reduced cart abandonment

• Better customer data

• Competitive advantage

NOWPayments and CoinPayments? They're still using 2020 checkout flows.

The 1.5% That Changes Everything

Here's something competitors can't match: social impact.

Every Larecoin transaction includes a 1.5% contribution to verified charitable organizations.

The breakdown:

• 1% to merchant-selected charities

• 0.5% to Larecoin's community impact fund

Customers love it. Merchants differentiate with it. Communities benefit from it.

Traditional processors keep 100% of their fees. Larecoin redistributes value.

Modern consumers: especially Gen Z and Millennials: prefer businesses with social missions. This isn't charity. It's competitive advantage.

B2B2C Metaverse Integration

Physical retail. Online shopping. Metaverse commerce.

Larecoin handles all three through one ecosystem.

The metaverse shopping features include:

• Virtual storefronts

• 3D product displays

• Avatar-based customer service

• Cross-reality inventory management

• Unified payment processing

Traditional processors don't even acknowledge metaverse commerce exists. Larecoin built its entire B2B2C model around it.

Future-proof your business now.

CLARITY Act Compliance: Built-In, Not Bolted-On

The CLARITY Act establishes clear jurisdictional boundaries between SEC and CFTC oversight.

Larecoin's architecture aligns with both frameworks from day one.

What this means:

• No scrambling for compliance updates

• Predictable regulatory environment

• Reduced legal risk

• Institutional trust

• Easier auditing and reporting

NOWPayments and CoinPayments will spend 2026 retrofitting compliance. Larecoin merchants already operate with confidence.

The DAO Advantage

Larecoin's decentralized autonomous organization gives merchants actual influence.

Voting rights on:

• Fee structures

• Feature development

• Charity partnerships

• Network upgrades

• Ecosystem expansion

You're not just a customer. You're a stakeholder.

Traditional processors make decisions behind closed doors. Larecoin's community decides together.

Real Numbers, Real Results

Early adopters report:

• 47% reduction in payment processing costs

• 23% increase in crypto-paying customers

• 89% improvement in transaction speed

• 34% boost in customer satisfaction scores

• Zero volatility-related losses with LUSD

These aren't projections. They're actual merchant data from Q4 2025 and Q1 2026.

Making The Switch: Easier Than You Think

Migration from NOWPayments or CoinPayments takes hours, not weeks.

The process:

1. Sign up at Larecoin.com

2. Generate API keys

3. Integrate payment gateway (plug-and-play for major platforms)

4. Configure wallet preferences

5. Select charity partners

6. Go live

Developer documentation makes integration straightforward. Support team handles technical questions. Most merchants complete setup in one business day.

The 2026 Merchant Mindset

Forward-thinking businesses ask different questions now.

Not "Can we accept crypto?" but "How do we maximize crypto payment value?"

The new criteria:

• Regulatory compliance confidence

• Social impact integration

• Advanced merchant tools

• Multi-reality commerce support

• True cost savings

• Community involvement

Larecoin checks every box.

NOWPayments and CoinPayments check two or three.

The choice is obvious.

Join The Movement

Thousands of merchants already made the switch.

They're saving money. Delighting customers. Supporting communities. Building future-ready businesses.

The CLARITY Act era rewards processors that prioritize clarity, innovation, and value.

Larecoin embodies all three.

Your competitors are already exploring options. Some have already migrated.

The question isn't whether to adopt better crypto payment infrastructure.

It's whether you'll lead the transition or follow it.

Ready to cut fees in half while doubling features?

Visit Larecoin.com and discover why 2026 belongs to merchants who demand more from their payment processors.

The future of crypto payments isn't coming.

It's here.