Startups Love This Cryptocurrency Strategy. Regulators Say Not So Fast

Securities and Exchange Commission is skeptical of companies’ argument that tokens offered to wealthy backers aren’t an investment

WASHINGTON—Startups are raising money from venture capitalists and other wealthy investors by rewarding them with new cryptocurrencies, in a bid to avoid much of the cost and regulation of traditional stock sales.

One problem: Regulators haven’t recognized the arrangement as a valid way to raise money in compliance with investor-protection laws.

The...