北達科他州為加密貨幣ATM創建新的許可系統

北達科他州即將創建一個用於加密貨幣ATM的新許可系統。州參議院於3月18日通過了1447年的眾議院法案，以45票對1票獲得。

North Dakota's Senate has passed a bill that would create a licensing system for cryptocurrency ATMs in the state. The bill, House Bill 1447, passed with a vote of 45 to 1. It now heads back to the House for another vote.

北達科他州的參議院通過了一項法案，該法案將為該州的加密貨幣ATM創建許可系統。該法案，眾議院第1447號法案以45票對1的​​投票通過。

The bill, which was first introduced on January 15, aims to protect people from crypto scams by setting up rules for operators of the machines. It also includes measures to help detect and prevent financial crime.

該法案於1月15日首次提出，旨在通過為機器運營商制定規則來保護人們免受加密騙局的侵害。它還包括幫助檢測和防止金融犯罪的措施。

“We have a responsibility to protect people from scams and to promote a level playing field for businesses that are operating in our state,” said Representative Steve Swiontek, who introduced the bill. “Cryptocurrency ATMs are a new technology that can be used for both good and bad, and we need to make sure that they are being used safely and responsibly in North Dakota.”

介紹該法案的代表史蒂夫·斯威特克（Steve Swiontek）說：“我們有責任保護人們免受騙局的侵害，並為在我們州開展業務的企業提供公平的競爭環境。” “加密貨幣ATM是一項可用於好與壞的新技術，我們需要確保它們在北達科他州安全和負責任地使用。”

The bill would require crypto ATM operators to obtain money transmitter licenses, which would ensure they are following proper financial regulations. It would also limit daily transactions to $2,000 per user.

該法案將要求加密ATM運營商獲得貨幣發射機許可證，這將確保他們遵守適當的財務法規。它還將每日交易限制為每位用戶2,000美元。

The legislation began with a $1,000 transaction limit, but the House committee broadened these limits last month. After the Senate’s changes, the bill must return to the House for another vote.

立法始於1,000美元的交易限額，但眾議院委員會上個月擴大了這些限制。參議院變更後，該法案必須返回眾議院進行另一次投票。

If approved by the House, the bill would then go to North Dakota Governor Kelly Armstrong, who can either sign it into law or veto it.

如果經房屋的批准，該法案將去北達科他州州長凱利·阿姆斯特朗（Kelly Armstrong），後者可以將其簽署為法律或否決法律。

The bill would require operators to post fraud warnings on the machines’ screens, alerting users to scams before they complete transactions. Many scam victims have reported being directed to crypto ATMs to send money to criminals.

該法案將要求操作員在機器的屏幕上發布欺詐警告，並在用戶完成交易之前提醒騙子。許多騙局受害者報告被指導到加密貨幣黨向罪犯匯款。

“It is becoming increasingly common for scammers to target older adults and other vulnerable populations with Bitcoin ATM scams,” said FTC Chair Lina M. Kline. “These scams have risen sharply, and we are urging everyone to be aware of these scams and to report them to the FTC.”

FTC主席Lina M. Kline說：“騙子以比特幣ATM騙局為目標的騙子越來越普遍。” “這些騙局急劇上升，我們敦促所有人意識到這些騙局並將其報告給FTC。”

The bill would also require operators to use blockchain analytics software, which helps to detect and fight fraud by tracking suspicious transactions. Operators would be required to report any suspicious activity to the appropriate authorities.

該法案還將要求操作員使用區塊鏈分析軟件，該軟件有助於通過跟踪可疑交易來檢測和打擊欺詐。運營商將被要求向適當的當局報告任何可疑活動。

In addition, operators would be required to submit quarterly reports on the kiosks' locations and transactions. These reports would provide regulators with better visibility into how crypto ATMs are being used across the state.

此外，運營商將被要求就售貨亭的地點和交易提交季度報告。這些報告將使監管機構對全州如何使用加密ATM的可見性。

Each operator would need to appoint a compliance officer, who would be responsible for ensuring that the company is following all of the new regulations.

每個操作員都需要任命一名合規官，該官員將負責確保公司遵守所有新法規。

The legislation comes as authorities are seeing a rise in crypto ATM scams. TRM Labs found that crypto ATMs may have facilitated at least $160 million in illegal transactions since 2019.

立法是隨著當局看到加密ATM騙局的增加而到來的。 TRM Labs發現，自2019年以來，加密ATM可能至少促進了至少1.6億美元的非法交易。

Law enforcement agencies see these machines as high-risk for money laundering. They are also a key part of broader scams, such as romance scams and tech support scams.

執法機構將這些機器視為洗錢的高風險。它們也是更廣泛的騙局的關鍵部分，例如浪漫史上的騙局和技術支持騙局。

The new legislation is part of a broader effort by state and federal authorities to regulate the cryptocurrency industry.

新立法是州和聯邦當局為監管加密貨幣行業的更廣泛努力的一部分。

Earlier this year, Nebraska passed the Controllable Electronic Record Fraud Prevention Act, which aims to prevent crypto scams and theft. The Act, signed by Governor Jim Pillen on 13 March, imposes obligations on crypto ATM operators to verify the identity of users and to provide anti-fraud warnings.

今年早些時候，內布拉斯加州通過了可控的電子記錄欺詐預防法案，該法案旨在防止加密騙局和盜竊。該法案由州長吉姆·皮倫（Jim Pillen）於3月13日簽署，對加密atm ATM操作員施加了義務，以驗證用戶的身份並提供反欺詐警告。

At the federal level, Senator Dick Durbin of Illinois has proposed similar legislation that would require crypto ATM operators to register with the Treasury Department and to provide anti-fraud warnings to users.

在聯邦一級，伊利諾伊州的參議員迪克·杜賓（Dick Durbin）提出了類似的立法，要求加密ATM運營商在財政部註冊，並向用戶提供反欺詐警告。

Durbin was moved to act after a constituent lost $15,000 through a crypto ATM scam. The scammer had claimed that there was an arrest warrant for the constituent's daughter, which could be cleared by paying a fine via crypto.

德賓通過加密ATM騙局損失了15,000美元後，被搬到了行動。騙子聲稱，該成員的女兒有逮捕令，可以通過通過加密貨幣支付罰款來清除。

Despite Bitcoin's price growth in 2024, the number of crypto ATMs in the U.S. has remained flat since 2022. The United States has 29,822 machines, which represents 78% of the global market. Canada ranks second with 3,486 machines (9.2%), while Australia is third with 1,613 (4.3%).

儘管比特幣在2024年的價格上漲，但自2022年以來，美國的加密貨幣數量一直保持平坦。美國擁有29,822台機器，佔全球市場的78％。加拿大以3,486台機器（9.2％）排名第二，而澳大利亞以1,613（4.3％）排名第三。

In the United Kingdom, authorities have increased scrutiny on unregistered crypto ATM operators. The Financial Conduct Authority recently prosecuted Olumide Osunkoya for running illegal crypto ATMs that processed $3.4 million. Osunkoya received a four-year sentence for this and related crimes.

在英國，當局對未註冊的加密自動櫃員機操作員進行了審查。金融行為當局最近起訴了Olumide Osunkoya，運行了340萬美元的非法加密自動櫃員機。 Osunkoya因此和相關罪行被判處四年徒刑。