The CLARITY Act Changed Everything: How Merchants Can Finally Accept Crypto Without Tax Nightmares

The Regulatory Fog Just Lifted

For years, merchants wanted to accept crypto. But the tax reporting? Absolute chaos.

Nobody knew if their payment processor was dealing with securities or commodities. The SEC and CFTC fought over jurisdiction like kids over a toy. Every transaction created a potential compliance nightmare.

Then the CLARITY Act (H.R. 3633) dropped. And everything shifted.

This legislation finally drew clean lines between what the SEC regulates (securities) and what the CFTC handles (digital commodities). For merchants, this means working with payment platforms that operate under clear regulatory frameworks.

No more guessing games. No more compliance panic attacks.

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What This Actually Means for Your Business

The CLARITY Act doesn't magically eliminate taxes. Let's be clear.

But it does something arguably more important: it creates regulatory certainty for the infrastructure you're building on.

When digital asset platforms know exactly which regulator they answer to, they can build better compliance tools. They can automate tax reporting. They can create systems that don't treat every crypto payment like a stock trade.

That clarity flows downstream to merchants. And at Larecoin, we've built our entire payment ecosystem to take advantage of this new regulatory environment.

The Old Way Was Broken

Before regulatory clarity, merchant crypto processing looked like this:

• Every payment triggered capital gains calculations

• Customer wallets mixed personal investments with payment transactions

• Platforms charged premium fees to cover compliance uncertainty

• Tax reporting required manual reconciliation across multiple systems

• Merchants needed separate lawyers for SEC vs CFTC questions

This is why platforms like NOWPayments and CoinPayments charge what they do. Compliance costs are brutal when regulations are unclear.

How Larecoin Flips the Script

We built Larecoin's payment infrastructure on LareBlocks, our Layer 1 blockchain designed specifically for commerce, not speculation.

This matters because of how we handle transactions:

LUSD Stablecoin for Payments Our LUSD stablecoin eliminates volatility risk. When customers pay with LUSD, you're not dealing with a commodity that swings 10% by lunch. You're accepting a stable digital dollar designed for transactions.

Zero capital gains headaches. Just clean, simple payments.

Master/Sub-Wallet Architecture Traditional crypto wallets mix everything together. Investment tokens. NFTs. Payment currencies. It's a tax reporting disaster.

Larecoin's Master/Sub-wallet system separates payment activity from investment activity at the infrastructure level. Your business wallet lives in its own clean environment. Tax reporting exports are automatic. Your accountant won't hate you.

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NFT Receipt System Every transaction generates an NFT receipt on LareBlocks. These aren't collectibles, they're immutable proof of purchase with full transaction metadata.

For tax purposes? Gold. Every sale is timestamped, verified, and stored on-chain. Your bookkeeper gets clean data. The IRS gets clear records. Everyone's happy.

The Fee Structure That Actually Makes Sense

Regulatory clarity means lower compliance costs. Lower compliance costs mean lower fees.

Larecoin charges 50% less than platforms like NOWPayments, CoinPayments, and Triple-A.

Why? Because we're not hedging against regulatory uncertainty. We built on solid ground from day one.

Our fee structure:

• Standard transactions: 1.5%

• That's it

• No hidden compliance surcharges

• No variable rate nonsense

Oh, and that 1.5%? Part of it goes to charity. Every transaction contributes to social impact. Your customers feel good. You feel good. Regulators see legitimate commerce.

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Push-to-Card Changes the Game

Here's where things get really interesting.

Merchants don't want crypto sitting in wallets. They want dollars in their bank accounts. Yesterday.

Larecoin's Push-to-Card service converts crypto payments to fiat and deposits directly to your business debit card. Usually within hours.

This solves the biggest merchant objection to crypto: liquidity. You accept LARE or LUSD at checkout, and USD hits your card before you close up shop.

The tax reporting? Automatic. The conversion rate? Locked at point of sale. The settlement? Fast.

No holding crypto you don't want. No timing the market. Just payments that work like payments should.

AI-Powered Shopping Integration

The CLARITY Act enabled innovation at the infrastructure level. We used that foundation to build something wild.

Larecoin's AI shopping assistant integrates directly into merchant platforms. Customers can:

• Search inventory using natural language

• Get personalized product recommendations

• Complete purchases via voice in the B2B2C metaverse

• Receive instant LUSD refunds for returns

This isn't future tech. It's live now.

And because it runs on LareBlocks with clear regulatory frameworks, every AI-assisted transaction generates clean tax documentation. Your systems stay compliant without manual intervention.

The Metaverse Commerce Reality

Our metaverse shopping experiences aren't gimmicks. They're actual revenue channels.

Merchants set up virtual storefronts where customers browse, interact, and purchase using LARE or LUSD. Every transaction processes through the same infrastructure as web payments.

Same compliance. Same tax reporting. Same Push-to-Card settlement.

The difference? Customer experience. 3D product visualization. Virtual try-ons. Social shopping with friends across continents.

Traditional payment processors can't touch this. They're still figuring out basic crypto. We're building the next generation of commerce.

Want to see what this looks like? Check out our metaverse features here.

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LareScan: Your Compliance Dashboard

Built on LareBlocks, LareScan gives merchants real-time visibility into every transaction.

Filter by date. Export for tax season. Verify NFT receipts. Track LUSD settlements. Monitor Push-to-Card conversions.

It's your compliance officer and bookkeeper rolled into one dashboard. No subscription fees. No per-query charges. Just transparent access to your transaction data.

When auditors come knocking (and they will), you hand them LareScan exports. Clean. Verified. Blockchain-backed.

Case closed.

Gas-Only Transfers for Customer Payments

Here's a pain point nobody talks about: transaction fees eating customer payments.

Customer sends $50 in crypto. After network fees and processing charges, you receive $43.

Larecoin offers gas-only transfer options for LARE transactions. Customers pay minimal network fees: usually pennies: and you receive the full amount minus our transparent 1.5% processing fee.

No hidden deductions. No surprise shortfalls. Just honest pricing that both parties understand.

Setting Up Takes Minutes

Regulatory clarity means faster onboarding. We don't need six weeks to verify your business structure.

Create merchant account. Connect your existing systems via API. Configure Push-to-Card destination. Start accepting payments.

Most merchants go live in under 30 minutes.

And because LareBlocks handles the heavy compliance lifting, you're not filling out separate applications for five different regulatory bodies. One platform. One set of credentials. Done.

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The Competitive Reality

NOWPayments, CoinPayments, and Triple-A charge premium fees because they're navigating regulatory uncertainty.

Larecoin built specifically for the post-CLARITY Act environment. We don't carry legacy compliance debt. We don't hedge against unknown regulatory changes.

We just build tools that work. At prices that make sense.

50% lower fees aren't marketing fluff. They're what happens when infrastructure matches regulation.

What Happens Next

The CLARITY Act created the foundation. Larecoin built the payment infrastructure.

Now it's your move.

You can keep using expensive legacy processors that treat crypto like a risky side bet. Or you can switch to a platform designed for this exact regulatory moment.

Accept LARE and LUSD. Generate NFT receipts. Use Master/Sub-wallets for clean accounting. Push to card for instant settlement. Build metaverse storefronts. Let AI handle customer questions.

All while contributing 1.5% to charity with every transaction.

The tax nightmares are over. The regulatory fog cleared. The infrastructure exists.

Time to upgrade your payment stack.

Visit Larecoin to get started. Or keep paying double the fees for half the features.

Your call.