Pärast BlockFi suundusid New Jersey ja Texas Celsiuse krüptointressikontodele

On September 17, New Jersey’s securities regulator tellitud crypto lending platform Celsius to halt offerings of its interest accounts in the state. 

The same day, the Texas State Securities Board esitatud a notice of a hearing in February to consider a similar move to stop Celsius’ offerings in the state. 

Friday’s moves follow broader regulatory action to clamp down on crypto lending platforms throughout the U.S. Five state regulators have issued similar orders against Celsius competitor, BlockFi. Indeed, the first state to act in both cases has been New Jersey, where BlockFi is based. 

The fundamental principle is that crypto interest accounts, while resembling bank accounts, are not backed by FDIC insurance, leaving customers more vulnerable to the platforms responsible for lending their funds out. Defenders of crypto interest accounts, meanwhile, point to the meager returns on U.S. bank savings accounts as compared to crypto platforms, some of which offer double-digit interest.

While the federal Securities and Exchange Commission has not taken any action against BlockFi, Celsius or similar firms, it has ähvardas Coinbase'i kohtusse kaevata if that firm launches its similar “Lend” product, according to CEO Brian Armstrong.

As SEC Chairman Gary Gensler recently told The Block of crypto lending and staking platforms:

“That platform might be saying, as many of them do, we’ll give you a four percent or seven percent return if you stake your coins with us or you actually transfer ownership and we the platform will stake your tokens. That takes on all the indicia of what Congress is trying to protect under the securities laws.””

Neither Celsius nor BlockFi responded to requests for comment as of press time.