For cryptocurrency to flourish, the end goal would be to have everyone as a stakeholder (not intended as an indictment), so additions/changes to the laws that a

For cryptocurrency to flourish, the end goal would be to have everyone as a stakeholder (not intended as an indictment), so additions/changes to the laws that are favorable to the industry have public support. As others point out, Coinbase must know the current legality of the lending offering. The likely objective of this piece is to gain support of those invested in the industry, and for them to push their legislators to reformulate laws.