The CLARITY Act Just Changed Everything: How Larecoin's Digital Commodity Status Protects Your Self-Custody Merchant Account

The Game Just Changed

The CLARITY Act (H.R. 3633) passed the House with bipartisan support in July 2025.

Senate markup sessions started in early 2026.

And merchants finally have a path forward.

Here's what this means for your business: digital commodities get treated differently than securities. The CFTC takes the lead on commodities. The SEC handles securities.

Larecoin sits squarely in the commodity category.

Why Digital Commodity Status Matters

The CLARITY Act defines digital commodities as "digital assets that rely upon a blockchain for their value."

That's Larecoin in a nutshell.

Built on LareBlocks Layer 1 blockchain. Decentralized network. No central authority controlling supply or transactions. Pure blockchain infrastructure.

This classification unlocks massive protections for merchants using self-custody accounts.

You control your keys. You control your funds. No intermediary can freeze your account because they don't like crypto volatility or regulatory uncertainty.

Self-Custody Changes the Merchant Game

Traditional payment processors hold your funds.

They can freeze accounts. Delay settlements. Add unexplained holds.

Self-custody flips the script entirely.

With Larecoin merchant accounts, you maintain full control. Your private keys. Your wallet. Your funds settle instantly to addresses you control.

The CLARITY Act strengthens this by establishing clear rules around digital commodity transactions. No gray areas. No regulatory limbo.

Compare this to platforms like NOWPayments or CoinPayments: they still operate as custodial intermediaries for most merchants. You're trusting a third party to hold and transfer your crypto.

Larecoin eliminates that dependency completely.

The 50% Fee Savings Nobody's Talking About

Legacy payment systems bleed merchants dry.

Credit card processors charge 2.9% + $0.30 per transaction. Sometimes higher for international payments. Add chargeback fees. Currency conversion costs. Settlement delays.

Larecoin cuts fees to under 1.5% total.

Here's the breakdown:

• Network gas fees: 0.3-0.5%

• No interchange fees

• No chargeback fees (blockchain transactions are final)

• No currency conversion fees with LUSD stablecoin

• Instant settlement (not 2-3 business days)

That's a 50% reduction in transaction costs compared to traditional payment rails.

For a merchant processing $100,000 monthly, that's $1,400+ saved every month. Nearly $17,000 annually.

And unlike NOWPayments (1.5-2% fees) or CoinPayments (0.5-1% plus withdrawal fees), Larecoin's self-custody model means no hidden withdrawal costs when you move funds.

LUSD Stablecoin: The Volatility Solution

"But crypto prices fluctuate!"

Not with LUSD.

Larecoin's native stablecoin pegs 1:1 with USD. Backed by reserves. Audited regularly.

Merchants can accept LARE tokens and instantly convert to LUSD at point of sale. Price locked. No volatility risk.

Customers pay in LARE. You receive stable value in LUSD. Simple.

This is where platforms like CoinPayments fall short: they offer conversions, but you're still trusting their pricing engine and timing. With Larecoin's integrated LUSD, the conversion happens on-chain, transparently, with no middleman markup.

NFT Receipts: The Future of Transaction Records

Every Larecoin transaction generates an optional NFT receipt.

Not just a digital record. A tradeable, verifiable proof of purchase stored on LareBlocks Layer 1.

Why this matters:

• Warranty tracking (immutable purchase records)

• Resale verification (prove authenticity for secondary markets)

• Loyalty programs (NFT receipts unlock rewards)

• Tax documentation (blockchain-verified transaction history)

Traditional receipt systems? Paper trails or centralized databases that can be lost, manipulated, or hacked.

NFT receipts live permanently on-chain. Accessible from any wallet. Transferable to new owners if you resell an item.

Merchants using NOWPayments or CoinPayments get basic transaction records. Larecoin gives you programmable, valuable digital assets for every sale.

LareBlocks Layer 1: Built for Speed and Security

Most crypto payment processors run on someone else's blockchain.

Ethereum. Solana. BSC.

Larecoin built LareBlocks from the ground up for payment optimization.

Technical specs:

• Transaction finality: 2-3 seconds

• Throughput: 10,000+ TPS

• Gas fees: $0.001-0.003 per transaction

• Uptime: 99.9%+ since launch

This isn't theoretical. Merchants are processing thousands of daily transactions right now on https://larecoin.com.

Compare this to platforms running on Ethereum (slow, expensive gas) or relying on Bitcoin's 10-minute confirmations. Larecoin's native blockchain architecture delivers consistent, fast, cheap transactions.

Self-custody on LareBlocks means you're not vulnerable to congestion on networks you don't control.

AI-Powered Metaverse Shopping Integration

The CLARITY Act doesn't just affect today's commerce.

It opens doors for tomorrow's shopping experiences.

Larecoin's AI-powered metaverse integration lets customers shop in immersive virtual environments. Your store exists in digital space. Customers browse with avatars. Purchase with LARE or LUSD.

AI assistants help customers navigate, recommend products, and complete transactions: all settling on-chain with the same self-custody protections as your physical store.

This isn't science fiction. Early adopters are already testing metaverse storefronts integrated with Larecoin payment rails.

And because of CLARITY Act protections for digital commodities, you don't need to worry about regulatory uncertainty shutting down your virtual retail presence.

NOWPayments and CoinPayments? Still focused on traditional e-commerce checkouts. No metaverse infrastructure. No AI shopping assistants.

Larecoin built for the next decade, not the last one.

The Regulatory Clarity Merchants Actually Need

Before CLARITY Act momentum, merchants faced constant uncertainty.

"Is crypto legal for my business?" "Will my payment processor stay compliant?" "Can regulators shut this down tomorrow?"

CLARITY Act establishes bright-line rules. Digital commodities get defined treatment. Regulatory authority gets divided clearly.

For Larecoin merchants, this means:

• Legal certainty for accepting LARE/LUSD payments

• Protection from arbitrary enforcement actions

• Clear compliance pathways

• Reduced regulatory risk for investors and partners

You can build long-term business strategies around crypto payments without constantly looking over your shoulder.

This stability doesn't exist yet for many crypto payment platforms operating in regulatory gray zones. Larecoin's commodity classification: once CLARITY Act fully passes: provides the foundation merchants need.

What This Means for Your Business Right Now

You don't need to wait for full CLARITY Act enactment to benefit.

Larecoin's self-custody merchant accounts are live today. You can set up in under 10 minutes. Start accepting payments immediately.

The regulatory momentum just makes the decision easier.

Here's your action plan:

1. Set up a Larecoin merchant account at https://larecoin.com

2. Configure LUSD auto-conversion to eliminate volatility

3. Enable NFT receipt generation for customer loyalty

4. Integrate checkout flows (API documentation available)

5. Start saving 50% on transaction fees immediately

Traditional processors charge you today. Tomorrow. Every day.

Larecoin saves you money while giving you full control.

The CLARITY Act just made that choice even clearer.

Beyond NOWPayments and CoinPayments

Both platforms serve a purpose.

But neither offers the complete package:

NOWPayments: Custodial model. Higher fees. Limited blockchain options. No native stablecoin. No NFT receipts.

CoinPayments: Better than NOWPayments but still custodial for most merchants. Withdrawal fees add up. No metaverse integration. Built on other people's blockchains.

Larecoin: Self-custody native. LareBlocks Layer 1 owned infrastructure. LUSD stablecoin integrated. NFT receipts standard. AI metaverse ready. CLARITY Act commodity protection.

The choice gets simpler every day.

Merchants processing serious volume can't afford to ignore 50% fee savings and full self-custody control.

Your business deserves infrastructure built for the future: not platforms patching together solutions on legacy systems.

Check out the complete guide to Web3 global payments for deeper technical comparisons.

The Bottom Line

CLARITY Act momentum changes crypto payment calculations.

Digital commodity status protects Larecoin merchants.

Self-custody eliminates intermediary risk.

50% fee savings speak for themselves.

Your competitors are already testing this. Early adopters capture the advantages. Late movers play catch-up while paying premium fees.

The regulatory path just cleared.

The technology already works.

The savings start immediately.

Your move.