Winklevoss Twins and SEC Reach Settlement Over Gemini Earn Program

The SEC and Gemini Trust have agreed to a resolution in principle regarding the Gemini Earn crypto lending program, potentially ending a legal battle over unregistered securities offerings.

Author
Branden Chen
Senior Crypto AnalystSeptember 15, 2025
Bitcoin trading chart with upward trend

The U.S. Securities and Exchange Commission (SEC) has reached an agreement in principle with Gemini Trust, the cryptocurrency exchange founded by billionaire twins Tyler and Cameron Winklevoss, to settle a lawsuit concerning the Gemini Earn program.

The SEC had alleged that Gemini Earn, which allowed users to lend their crypto assets in exchange for interest, constituted an unregistered securities offering. The lawsuit claimed Gemini failed to comply with securities regulations before offering the program to retail investors.

According to a letter filed in Manhattan federal court, lawyers for both the SEC and Gemini Trust indicated that the proposed settlement would "completely resolve this litigation" regarding Gemini Earn, pending approval from the SEC.

This resolution comes after a period of increased regulatory scrutiny of cryptocurrency lending programs and their compliance with existing securities laws. The details of the settlement are yet to be fully disclosed, but it signals a potential shift in the regulatory landscape for similar crypto lending platforms.

Key Takeaways:

  • The SEC and Gemini have agreed to settle the lawsuit over Gemini Earn.
  • The SEC alleged Gemini Earn was an unregistered securities offering.
  • The settlement is subject to SEC approval and could impact other crypto lending platforms.

Investment Considerations

As always, investors should consider their risk tolerance and investment timeline before making allocation decisions. Bitcoin remains a volatile asset despite increasing institutional adoption.

This article is for informational purposes only and should not be considered investment advice. Always consult with a qualified financial advisor.

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