Why the CLARITY Act (H.R. 3633) Will Change the Way You Handle Crypto Receivables

Regulation used to be a scary word in crypto. Not anymore. It’s February 2026. The dust has settled. The CLARITY Act (H.R. 3633) is the new law of the land. It’s the roadmap we’ve all been waiting for. For merchants and enterprises, it changes everything about how you handle crypto receivables.

The "Wild West" era is over. Professionalism is in. If you’re still using legacy payment processors, you’re behind. Larecoin is built for this new era. We’ve integrated the requirements of H.R. 3633 into the very core of our Web3 payment ecosystem.

Here is why the CLARITY Act is your new best friend and how Larecoin makes compliance look easy.

The Three Pillars of the CLARITY Act

The CLARITY Act finally draws a line in the sand. No more guessing games with the SEC. No more "regulation by enforcement." The Act breaks digital assets into three clear categories:

1. Digital Commodities: Governed by the CFTC. Think Bitcoin and Ethereum.

2. Investment Contract Assets: Governed by the SEC. These are your securities.

3. Permitted Payment Stablecoins: The fuel for global commerce.

Why does this matter for your business? Because it dictates how you account for every dollar: or token: that enters your wallet.

Regulatory Authority Restructuring

The CFTC now has exclusive jurisdiction over digital commodities. This means clear rules for anti-fraud and anti-manipulation. For a merchant, this translates to security. When you accept $LARE or LUSD, you know exactly which regulatory body is watching.

Larecoin’s infrastructure, specifically our LareBlocks Layer 1, is designed to meet these disclosure standards from day one. Transparency isn't just a buzzword; it's a legal requirement.

Handling Crypto Receivables in 2026

Accepting crypto is easy. Managing it is the hard part. The CLARITY Act mandates strict intermediary requirements. If you are handling digital commodities, you need to follow the rules.

Custody and Disclosure

The Act requires intermediaries to segregate customer funds. They must use qualified digital asset custodians. At Larecoin, we take this a step further with Self-Custody Merchant Accounts. You own your keys. You own your funds.

We don't hold your money in a giant slush fund like legacy providers. You can read more about why merchants are ditching traditional platforms in our guide on why 500 merchants are switching to self-custody in 2026.

Master and Sub-Wallets

Enterprises need organization. You can't just have one wallet for a global brand. Larecoin offers Master/Sub-wallet architecture.

• Master Wallet: Total control and oversight.

• Sub-Wallets: Assign to specific departments, physical stores, or metaverse branches.

This structure makes CLARITY Act reporting a breeze. Every transaction is tracked, tagged, and ready for your accountant.

50% Lower Fees: The Larecoin Advantage

Let’s talk numbers. The CLARITY Act brings compliance, but compliance often brings costs. Not here.

Most payment processors like NOWPayments, CoinPayments, and Triple-A are still charging high fees for "compliance management." They are middle-men taking a cut of your hard-earned revenue.

Larecoin is different.

• 50% lower fees than NOWPayments and Triple-A.

• Zero hidden costs.

• Gas-only transfers.

We aren't just a processor; we are a Layer 1 ecosystem. By cutting out the middle-man, we pass the savings directly to you. If you want to dive deep into how to slash your costs, check out our ultimate guide to reducing merchant interchange fees.

NFT Receipts: The Future of Proof-of-Purchase

The CLARITY Act emphasizes transaction history and source code disclosure. How do you provide a permanent, unalterable record to your customer and the regulators?

NFT Receipts.

Every time a transaction happens on the Larecoin network, a unique NFT receipt is generated.

• For the Merchant: Proof of sale and tax compliance.

• For the Customer: A collectible, a loyalty token, or a simple proof of purchase that lives forever on LareScan.

• For the Regulator: A clear, immutable audit trail.

This is the "Innovative" part of our brand. We don't just send emails. We mint history.

Social Impact: The 1.5% Commitment

Business in 2026 isn't just about profit. It's about purpose. The CLARITY Act might regulate the flow of money, but Larecoin regulates the heart of it.

Every transaction within the Larecoin ecosystem carries a 1.5% tax dedicated to social impact and charity.

• You process a payment.

• The network automatically allocates 1.5% to verified charitable causes.

• Your brand builds instant social equity.

It’s automated philanthropy. No extra forms. No extra effort. Just better business.

AI-Powered Shopping and the B2B2C Metaverse

The CLARITY Act also paves the way for stablecoin integration in virtual environments. This is where larecoin.ai shines.

We are building the smartest shopping experience on the planet. Our AI-powered engine helps merchants predict inventory needs based on crypto spending patterns.

In the Metaverse, Larecoin is the native currency. Whether you are selling digital sneakers or B2B software in a virtual boardroom, our ecosystem handles the heavy lifting.

• AI-driven recommendations: Increase your AOV (Average Order Value).

• Metaverse-ready APIs: Plug into any virtual world.

• Real-time LUSD settlement: No volatility, just growth.

LUSD and Push-to-Card Services

Stability is the goal of the CLARITY Act’s "Permitted Payment Stablecoin" section. Our stablecoin, LUSD, is built for one thing: utility.

Accepting LUSD means you don't have to worry about the market crashing while you sleep. But what if you need that money in your local bank account?

Push-to-Card Services. Move your crypto to your debit or credit card instantly.

• No 3-5 day waiting periods.

• No complex wire transfers.

• Direct access to your capital.

This is how you handle receivables like a pro. Collect in LUSD, spend via Push-to-Card.

Why Larecoin?

The CLARITY Act is a gift to the crypto industry. It removes the shadows. It allows companies like Larecoin to build robust, compliant, and insanely fast infrastructure.

We are solving real-world problems one transaction at a time. If you’ve been following our 100-post Larecoin marathon, you know we are committed to this ecosystem.

The Checklist for Your Business:

• Switch to Larecoin: Get those fees down by 50%.

• Implement LUSD: Protect your margins from volatility.

• Use LareScan: Keep your records straight for the CLARITY Act auditors.

• Enable NFT Receipts: Give your customers something better than a PDF.

• Automate Giving: Let the 1.5% tax handle your corporate social responsibility.

Join the Future

Ready to upgrade? The CLARITY Act is here to stay. Don't let your business get caught using outdated, expensive, and non-compliant tools.

Larecoin is the smartest, fastest-growing Web3 payment ecosystem for a reason. We’ve built the tools. We’ve done the legal homework. Now, it’s your turn to scale.

Let's Chat! Head over to our community forum to see how other merchants are navigating the H.R. 3633 landscape.

The future is clear. The future is Larecoin.

Set up your account today at larecoin.com.