Cryptocurrencies

Over-Regulating Crypto Would Be ‘Disaster’: Q&A With Cam Harvey

  • Sensible for Coinbase to have bank operations, professor says
  • Yield-farming offers above 10% deserve skepticism, he adds
Photographer: Paul Yeung/Bloomberg
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U.S. regulators face a tough balancing act when it comes to addressing “yield farming” in cryptocurrencies without pushing important financial innovation offshore, according to Duke University finance professor Campbell Harvey.

The practice -- which allows investors to lend their crypto in exchange for interest rates that are much higher than those offered by traditional institutions -- has come under scrutiny by the Securities and Exchange Commission, which alerted Coinbase Global Inc. that its planned Lend product may run afoul of securities laws.