Why the CLARITY Act Changes Everything for Larecoin Merchants (And What It Means for Your Fees)

The regulatory fog is lifting.

The CLARITY Act (H.R. 3633) passed the House in July 2025. Senate approval expected spring 2026. And Larecoin merchants are about to see exactly why this matters for their bottom line.

This isn't just another crypto regulation story. This is the moment when accepting digital payments becomes legitimately cheaper, safer, and legally clearer than legacy card networks.

Here's what changed.

The CLARITY Act in 60 Seconds

Regulatory Clarity for Digital Assets Act.

Simple premise: Draw a clear line between securities (SEC jurisdiction) and commodities (CFTC oversight).

Larecoin qualifies as a digital commodity operating on a decentralized network. Same category as Bitcoin and Ethereum under the new framework.

No more regulatory guesswork.

Safe harbor protections for DeFi developers and validators. Clear compliance pathways for payment processors. Legal certainty for merchants accepting crypto.

The ambiguity that kept businesses on the sidelines? Gone.

Why Larecoin Merchants Win Big

Reduced regulatory risk = lower operational costs.

Legacy payment processors build compliance costs into their fee structures. Legal teams. Uncertainty buffers. Regulatory insurance.

With CLARITY Act protections, Larecoin operates in a defined regulatory sandbox. LareBlocks Layer 1 provides full decentralization. Self-custody architecture means merchants control their funds directly.

The result? 50% fee savings versus traditional payment systems.

Here's the breakdown:

Legacy Card Networks:

• Interchange fees: 2-3%

• Processing fees: 0.5-1%

• Monthly minimums: $10-30

• Chargeback fees: $15-100 per dispute

• Cross-border markups: 1-3% additional

Larecoin Payments:

• Network fee: 0.1-0.3%

• No interchange fees

• No monthly minimums

• No chargeback fees (blockchain finality)

• Same fee globally

A merchant processing $100,000 monthly saves $2,500-3,500 every single month.

That's $30,000-42,000 annually.

NFT Receipts Change the Game

Every Larecoin transaction generates an NFT receipt.

Immutable proof of purchase. Stored on LareBlocks Layer 1. Accessible forever.

Merchants get:

• Instant transaction verification

• Automated accounting reconciliation

• Digital warranty tracking

• Customer purchase history (privacy-preserved)

• Rewards program integration

No more paper receipts. No database maintenance. No storage costs.

The NFT receipt becomes a programmable asset. Attach loyalty points. Trigger automatic rebates. Enable secondary market resale for event tickets or limited editions.

LUSD Stablecoin: The Volatility Killer

Larecoin's stablecoin version eliminates price risk.

Merchants who want crypto efficiency without crypto volatility use LUSD. Pegged 1:1 to USD. Backed by audited reserves. Instant conversion available.

Accept payment in LARE. Auto-convert to LUSD. Settle to fiat when ready.

Or keep it in LUSD and use it for:

• Supplier payments

• International transfers

• Treasury management

• DeFi yield generation

Traditional processors force immediate fiat settlement. You lose optionality.

LUSD gives you control. Settle when you want. Keep what you want. Move funds where you want.

LareBlocks Layer 1: Built Different

Security matters when you're handling payments.

LareBlocks is Larecoin's proprietary Layer 1 blockchain.

Not built on Ethereum. Not a token on another network. A standalone, purpose-built payment infrastructure.

Key features:

• Sub-second transaction finality

• Gas-only transfers (no hidden fees)

• Self-custody architecture (you hold your keys)

• EVM compatibility (easy integration)

• Military-grade encryption

Merchants run their own nodes if desired. Full transparency. Complete auditability. Zero platform risk.

Compare that to centralized processors where you're trusting a black box.

How Larecoin Stacks Against Competitors

NOWPayments:

• Fee: 0.5% + network fees

• 150+ cryptocurrencies supported

• Centralized custody model

• No proprietary blockchain

CoinPayments:

• Fee: 0.5% base

• Multiple blockchain support

• Wallet custody by default

• Monthly volume limits

Larecoin:

• Fee: 0.1-0.3% all-in

• Native LARE + LUSD stablecoin

• Self-custody standard

• Unlimited processing volume

• NFT receipts included

• AI metaverse integration

The difference is architectural.

NOWPayments and CoinPayments aggregate existing blockchains. Larecoin is the blockchain.

You're not using a middleman service. You're transacting directly on LareBlocks infrastructure.

Faster. Cheaper. More secure.

AI-Powered Metaverse Shopping

Here's where it gets interesting.

Larecoin integrates AI-driven metaverse commerce.

Merchants can deploy virtual storefronts with AI sales assistants. Customers shop in 3D environments. Pay with LARE or LUSD. Receive NFT receipts.

The AI handles:

• Product recommendations

• Customer service queries

• Inventory management

• Dynamic pricing optimization

• Cross-sell opportunities

All powered by blockchain payments. All settled instantly. All with fees 50% lower than traditional systems.

Physical retailers get digital twins. E-commerce stores get immersive experiences. Service providers get virtual consultation rooms.

The metaverse isn't coming. It's here. And it runs on Larecoin infrastructure.

What This Means for Your Business Right Now

The CLARITY Act removes the last major barrier to crypto payment adoption.

Regulatory uncertainty kept CFOs and legal teams cautious. That uncertainty ends with Senate passage expected in weeks.

Larecoin merchants get:

1. Legal clarity as a digital commodity

2. 50% fee reduction versus cards

3. NFT receipt automation

4. LUSD stablecoin flexibility

5. LareBlocks self-custody security

6. AI metaverse capabilities

Early adopters capture market share before competitors catch up.

The switch takes less than 48 hours. Integration via API. Plugin support for major e-commerce platforms. White-label solutions for enterprise.

Your current processor charges 2-3% per transaction.

Larecoin charges 0.1-0.3%.

The CLARITY Act makes it legal, regulated, and low-risk.

The only question is timing.

Ready to cut your payment fees in half?

Explore Larecoin merchant solutions or join our community discussion to see how businesses are already making the switch.

The future of payments is here. And it costs 50% less.