The CLARITY Act Passes: How LareBlocks Layer 1 Turns Commodity Status Into 50% Fee Savings for Merchants

The House passed it. The Digital Asset Market Clarity Act (H.R. 3633) cleared with bipartisan support in July 2025.

Senate's taking its time. Banking Committee received it September 2025. Still pending.

But here's what matters: Larecoin is positioned as a digital commodity. And that changes everything for merchant fees.

Digital Commodity Status = Regulatory Clarity

The CLARITY Act splits the crypto world cleanly.

SEC handles securities. Digital assets that function like stocks, bonds, investment contracts.

CFTC handles commodities. Digital currencies used for payments, exchange, store of value.

Larecoin falls squarely in the commodity category. Not an investment scheme. Not a security token. A payment-focused digital commodity built for real-world transactions.

This matters because commodity classification means:

• Clear regulatory framework

• Lower compliance costs

• Reduced legal uncertainty

• Easier merchant adoption

• Simplified tax treatment

Traditional payment processors operate under financial services regulations. Heavy compliance burden. Massive overhead.

Digital commodities? Lighter touch. More innovation. Less friction.

LareBlocks Layer 1: Built for Merchant Efficiency

LareBlocks Layer 1 isn't just another blockchain. It's engineered specifically for payment processing.

50% fee savings versus legacy systems. Not theoretical. Actual cost reduction.

Here's the breakdown:

Traditional payment processing stacks fees like pancakes:

• Interchange fees (1.5-3.5%)

• Processor markup (0.5-1%)

• Gateway fees ($0.10-$0.30 per transaction)

• Monthly fees ($10-$50)

• Compliance costs

• Chargeback fees

Average total? 2.5-4% per transaction for most merchants.

LareBlocks Layer 1 approach:

• Network fee (minimal gas)

• No intermediary markup

• No monthly minimums

• No chargeback fraud

• Self-custody = no custodial risk

Average total? 1-2% all-in. Often much lower for larger transactions.

The math is simple. $100,000 monthly revenue:

• Legacy systems: $2,500-$4,000 in fees

• LareBlocks Layer 1: $1,000-$2,000 in fees

That's $18,000-$36,000 saved annually. Per $100K revenue stream.

NFT Receipts: Proof of Purchase Meets Web3

Every transaction generates an NFT receipt. Permanent. Immutable. Verifiable.

Why NFT receipts matter:

Traditional receipts? Paper that fades. Emails that get deleted. Systems that crash.

NFT receipts live on-chain forever. Proves purchase. Proves authenticity. Enables warranties and returns without centralized databases.

Luxury goods? NFT receipt proves provenance. No more counterfeit concerns.

Digital products? Instant proof of ownership. Transferable. Tradeable.

Physical products? Complete purchase history attached to the item itself.

Merchants get:

• Zero-cost receipt generation

• Automatic record keeping

• Built-in loyalty programs

• Secondary market tracking

• Anti-fraud protection

Customers get:

• Permanent purchase proof

• Transferable warranties

• Collectible purchase history

• Web3 identity building

All native to LareBlocks Layer 1. No additional systems required.

LUSD Stablecoin: Volatility Solution

Price stability matters for commerce. Nobody wants a $5 coffee to cost $7 by checkout.

LUSD (Larecoin USD) solves this.

Pegged 1:1 to USD. Backed by real reserves. Audited regularly.

Merchants can:

• Accept LARE (native token)

• Accept LUSD (stablecoin)

• Auto-convert at point of sale

• Hold in preferred asset

No volatility risk. No price speculation. Just clean payment rails.

LUSD transactions on LareBlocks Layer 1 carry the same low fees. Same instant settlement. Same self-custody benefits.

Want crypto exposure? Hold LARE.

Want price stability? Use LUSD.

Want both? Split transactions automatically.

Flexibility without complexity.

Self-Custody Security: Your Keys, Your Crypto

LareBlocks Layer 1 puts merchants in control. No third-party custodians. No counterparty risk.

Traditional payment processors:

• Hold your funds

• Control your account

• Can freeze transactions

• Can terminate service

• Subject to third-party hacks

LareBlocks Layer 1 approach:

• Merchants control private keys

• Direct wallet-to-wallet transfers

• No intermediary custody

• No account freezes

• No platform dependency

Recent crypto exchange collapses proved the risk of custodial systems. FTX. Celsius. Voyager.

Self-custody eliminates that entire risk category.

Your wallet. Your funds. Your control.

Multi-signature options available for enterprise security. Hardware wallet integration supported. Cold storage compatible.

Security without sacrificing sovereignty.

NOWPayments vs CoinPayments vs LareBlocks Layer 1

Let's compare the competition.

NOWPayments:

• Custodial service

• 0.5-1% fees (plus network fees)

• Multiple cryptocurrency support

• KYC requirements

• Monthly minimums for some features

CoinPayments:

• Custodial service

• 0.5% transaction fee

• Over 2,000 coins supported

• Fiat conversion available

• Account-based system

LareBlocks Layer 1:

• Non-custodial by design

• 1-2% all-in costs (no hidden fees)

• Native LARE and LUSD optimized

• No KYC for basic transactions

• Zero monthly fees

NOWPayments and CoinPayments offer breadth. Thousands of cryptocurrencies.

LareBlocks Layer 1 offers depth. Purpose-built payment infrastructure. NFT receipts. Native stablecoin. AI integration.

Jack of all trades versus master of payments.

For merchants serious about Web3 payments as primary revenue? LareBlocks Layer 1 delivers superior economics and functionality.

For merchants wanting occasional crypto acceptance alongside legacy systems? NOWPayments or CoinPayments might fit.

Different tools for different strategies.

AI-Powered Metaverse Shopping

LareBlocks Layer 1 extends beyond traditional e-commerce.

Metaverse-native payment rails.

AI shopping assistants integrated directly into the payment flow:

• Product recommendations based on on-chain history

• Price comparisons across metaverse platforms

• Automated best-price execution

• Smart contract-based escrow

• Virtual try-before-you-buy

Purchase a virtual item? NFT receipt proves ownership across all metaverse platforms.

Buy a physical product through metaverse storefront? Same LareBlocks Layer 1 rails handle the transaction.

AI analyzes:

• Purchase patterns

• Price trends

• Merchant reputation scores

• Product authenticity signals

• Optimal purchase timing

No manual research. No price checking across sites. No fraud concerns.

The AI handles discovery. Smart contracts handle security. LareBlocks Layer 1 handles settlement.

Metaverse commerce today:

• Fragmented platforms

• No unified payment system

• Limited cross-world item portability

• Trust issues with new merchants

LareBlocks Layer 1 solution:

• Universal payment layer

• NFT receipts work everywhere

• AI-verified merchant reputations

• Instant cross-platform settlements

The metaverse economy needs infrastructure that works across virtual worlds. LareBlocks Layer 1 provides it.

CLARITY Act Timeline and What's Next

Senate Banking Committee has the bill. Industry support fluctuates. Timeline uncertain.

But the direction is clear. Digital commodity framework is coming. Whether this bill or the next.

Larecoin doesn't wait for legislation. LareBlocks Layer 1 is live. Merchants are onboarding. Transactions are processing.

Commodity classification just makes adoption faster. Regulatory clarity accelerates merchant confidence.

The infrastructure exists today. The savings are real today. The benefits deliver today.

50% fee reduction isn't theoretical. Merchants running LareBlocks Layer 1 transactions see it in their margins.

NFT receipts aren't vaporware. They're minting with every sale.

LUSD isn't a concept. It's processing stable transactions right now.

The CLARITY Act will formalize what Larecoin already executes: digital commodity payments that work.

Ready to Cut Payment Fees in Half?

LareBlocks Layer 1 infrastructure is ready. Documentation is live. Developer support is active.

Traditional payment processors charge 2.5-4% because they can. Because merchants had no alternative.

Web3 changes that. Commodity-based cryptocurrencies change that. LareBlocks Layer 1 proves it's possible.

Explore the full merchant guide: Reduce Merchant Interchange Fees

Join the payment revolution: larecoin.com

The CLARITY Act will pass eventually. Larecoin is ready now.