The CLARITY Act Just Changed Everything: Why Your Merchant Account Needs a Receivables Token in 2026

The Regulatory Game Just Flipped

July 2025 changed crypto payments forever.

The CLARITY Act (H.R. 3633) passed the House. It drew a clear line between securities and commodities. No more gray zones. No more enforcement roulette.

For merchant service providers? This is the green light we've been waiting for.

Digital asset payment infrastructure can now operate with legal certainty. The SEC-CFTC turf war is over. Commodity-based tokens on decentralized networks fall under CFTC oversight. Security-like tokens go to the SEC.

And Larecoin's receivables token? Pure commodity classification.

What This Means for Your Payment Stack

Traditional merchant accounts are bleeding fees.

Credit card processors take 2.9% + $0.30 per transaction. Cross-border? Add another 1-3%. Currency conversion? Another cut. Chargeback fees? $25-100 per incident.

The math doesn't work anymore.

Enter the receivables token model. Built on LareBlocks Layer 1 infrastructure. Designed specifically for merchant cash flow. Regulatory compliant under the new CLARITY framework.

Here's what changed:

Commodity Status = Lower Compliance Costs No security registration. No broker-dealer licensing. No qualified custodian requirements. Just straightforward CFTC oversight for a decentralized payment token.

Stablecoin Provisions Built In The CLARITY Act addresses stablecoins directly. LUSD (Larecoin's stablecoin) operates within these new guardrails. Merchants get price stability without sacrificing regulatory clarity.

DeFi Safe Harbor Developers building payment infrastructure get legal protection. The Act includes safe harbors for decentralized systems. LareBlocks benefits directly from this framework.

Receivables Tokens: The Missing Piece

Most payment processors settle in fiat.

Crypto comes in. They convert it. Charge a spread. Then push USD to your bank. That conversion costs you 1-2% every time.

Receivables tokens flip this model.

How It Works:

1. Customer pays in crypto (BTC, ETH, SOL, USDT, whatever)

2. Payment converts to LARE or LUSD instantly

3. Funds sit in your merchant wallet as a receivables token

4. You decide when to settle to fiat or spend crypto directly

5. Push-to-Card service available for instant liquidity

The Advantage: You control the timing. Market down? Hold in LUSD stablecoin. Market up? Convert to fiat at peak. Need cash now? Push to your debit card in seconds.

Traditional processors decide for you. They convert immediately. You eat the fees. You lose control.

Larecoin vs. The Competition

Let's talk numbers.

NOWPayments:

• 0.5% transaction fee

• Limited coin support

• No native stablecoin

• Basic merchant tools

• Zero social impact component

CoinPayments:

• 0.5% transaction fee

• Settlement delays

• No Layer 1 infrastructure

• Generic wallet system

• No AI shopping integration

Triple-A:

• 1% transaction fee

• Regional restrictions

• Centralized processing

• Limited customization

• No metaverse presence

Larecoin:

• 0.25% transaction fee (50% lower)

• 100+ coins supported

• Native LUSD stablecoin

• LareBlocks Layer 1 infrastructure

• Master/Sub-wallet architecture

• NFT receipt generation

• 1.5% automatic charity allocation

• AI-powered shopping assistant

• B2B2C metaverse commerce

• Push-to-Card instant settlement

The Master/Sub-Wallet Game Changer

Here's where Larecoin separates from the pack.

Most payment processors give you one wallet. Maybe two if you're lucky. Larecoin gives you an architecture.

Master Wallet: Your main treasury. Full control. Multi-sig capable. Integrates with LareScan for complete transparency.

Sub-Wallets: Unlimited creation. Assign to:

• Departments

• Locations

• Employees

• Projects

• Campaigns

Each sub-wallet has its own:

• Transaction limits

• Spending rules

• Reporting

• NFT receipt tracking

Track every payment flow. Know exactly where crypto comes from and where it goes. Generate NFT receipts for every transaction. Immutable audit trail on-chain.

LUSD: The Merchant Stablecoin

Price volatility killed early crypto payments.

Customer pays $100 in BTC. By the time you convert, it's worth $95. You just lost 5% on top of processing fees.

LUSD solves this.

Pegged 1:1 to USD. Backed by reserves. Audited. Compliant with CLARITY Act stablecoin provisions.

Merchant Benefits:

• Accept volatile crypto, hold stable value

• No forced conversion to fiat

• Pay suppliers in LUSD directly

• Cross-border payments with zero FX fees

• Instant settlement between Larecoin merchants

The CLARITY Act made stablecoins viable for payments. LUSD makes them practical.

The 1.5% That Changes Everything

Every Larecoin transaction includes a 1.5% allocation to charity.

Automatic. Transparent. Tracked on-chain via LareScan.

Your customers see it. They know their payment contributes to social impact. That's not a fee: that's a feature.

Studies show consumers prefer businesses with social missions. Especially Gen Z and Millennials. They'll choose you over competitors.

The 1.5% costs you nothing extra. It's built into the ecosystem. But it gives you marketing gold.

Use Cases:

• "Shop with us, support education" campaigns

• Partnership announcements with charity organizations

• Social media content around impact metrics

• PR opportunities highlighting community contribution

Traditional payment processors take 3%. Give nothing back. Larecoin takes 0.25%. Gives 1.5% to charity. You win. Your customers win. Communities win.

Implementation: Faster Than You Think

Worried about integration complexity?

Don't be.

Setup Time: 15 Minutes

1. Create merchant account at larecoin.com

2. Generate API keys

3. Install payment plugin (WooCommerce, Shopify, Magento, custom)

4. Configure which coins to accept

5. Set up Master/Sub-wallet structure

6. Go live

Developer Resources:

• REST API documentation

• Webhook integration guides

• SDKs for Node.js, Python, PHP

• Testing sandbox environment

• 24/7 developer support

Already using NOWPayments or CoinPayments? Migration takes one afternoon. We handle the technical lift. You keep your customer data.

The 2026 Advantage

We're four weeks into regulatory clarity.

Most payment processors haven't adjusted yet. They're still operating under old compliance frameworks. Passing regulatory uncertainty to merchants as higher fees.

Larecoin was built for this moment.

LareBlocks launched specifically for the post-CLARITY environment. Every feature designed around commodity-based payment tokens. Every tool optimized for merchant cash flow.

Early adopters win here.

Lock in 0.25% fees. Build your sub-wallet infrastructure. Start collecting NFT receipts. Integrate AI shopping features. Deploy in the metaverse.

Or wait. Watch competitors cut their fees by 50%. Lose market share to merchants offering crypto payments. Play catch-up in 2027.

Your call.

Ready to Upgrade?

The CLARITY Act opened the door.

Receivables tokens walked through it.

Larecoin built the infrastructure.

Check out the merchant guide for technical specs. Browse the trust page for compliance documentation. Or just sign up and start accepting crypto in 15 minutes.

2026 is the year payment infrastructure catches up to regulatory reality.

Don't get left behind.