The cryptocurrency exchange Gemini has promised to return $1.1 billion to customers as part of a settlement it reached with New York’s Department of Financial Services (NYDFS). Gemini will also have to pay $37 million to the NYDFS “for significant failures that threatened the safety and soundness of the company.”The NYDFS claims Gemini, which is owned by twins Tyler and Cameron Winklevoss, had “compliance, management, and internal audit issues” when it came to managing its Earn program. Introduc...