北達科他州正準備很快實施加密貨幣ATM的監管框架。

州參議院強烈支持眾議院第1447號法案，以製定加密貨幣ATM法規。該立法旨在通過對售貨亭運營商執行更嚴格的操作規則來解決加密ATM越來越多的欺詐行為。

North Dakota is set to introduce a regulatory framework for cryptocurrency ATMs, with the state Senate strongly backing House Bill 1447 to establish crypto ATM regulations and a final vote in the Assembly is expected next week.

北達科他州將為加密貨幣ATMS引入一個監管框架，州參議院強烈支持眾議院第1447號法案，以製定加密貨幣ATM法規，並預計下週將在大會上進行最終投票。

The legislation, which passed the Senate with a vote of 45-to-1, aims to address the increasing fraud at crypto ATMs by imposing stricter operational rules on kiosk operators. The new law mandates the acquisition of money transmitter licenses and blockchain analytics for fraud detection, with operators also required to appoint compliance officers, provide quarterly transaction reports, and adhere to a daily $2,000 transaction limit. These measures are a response to the growing concerns about crypto ATM scams causing financial losses for users.

該立法以45比1的投票通過了參議院，旨在通過對售貨亭運營商實施更嚴格的運營規則來解決加密貨幣ATM的欺詐行為。新法律要求收購貨幣發射機許可證和區塊鏈分析以進行欺詐檢測，並且還要求運營商任命合規官，提供季度交易報告，並遵守每日2,000美元的交易限額。這些措施是對對加密ATM騙局的日益擔憂的回應，從而造成用戶經濟損失。

"We're trying to get some protection in place for the consumer," said Senate Majority Leader Steve Beachner. "They're not getting any protection now, and it's a new industry that's springing up quickly."

參議院多數黨領袖史蒂夫·比奇納（Steve Beachner）表示：“我們正在努力為消費者提供一些保護。” “他們現在沒有得到任何保護，這是一個迅速發展的新行業。”

North Dakota is strengthening protection and clarity for cryptocurrency users within the state. It will now mandate that every cryptocurrency ATM operator in North Dakota must acquire a formal money transmitter license. This new regulation ensures these companies properly adhere to the necessary financial regulations. These crucial standards mirror those already in place for typical financial service providers.

北達科他州正在加強對該州內加密貨幣使用者的保護和清晰度。現在，將要求北達科他州的每個加密貨幣ATM運營商都必須獲得正式的貨幣發射機許可證。這項新法規確保這些公司適當遵守必要的財務法規。這些至關重要的標準反映了已經為典型的金融服務提供商所建立的標準。

Operators must also integrate blockchain analytics software for transaction monitoring to quickly detect suspicious activities. This essential software flags potential fraud, directly addressing the rising cases involving crypto ATM scams. Authorities can now detect suspicious activities swiftly thanks to this technology, acting before scammers victimize customers.

操作員還必須集成區塊鏈分析軟件以進行交易監控，以快速檢測可疑活動。該基本軟件標誌著潛在的欺詐行為，直接解決了涉及加密ATM騙局的上升案件。當局現在可以迅速檢測到可疑活動，這是這項技術，在騙子使客戶受害之前。

One of the most debated aspects of the proposed crypto ATM regulations involves a $2,000 daily limit on user transactions. The House of Representatives had first suggested a more flexible limit, allowing five transactions per month before restrictions applied. However, the Senate decided on a consistent daily cap, as they argued it would ensure greater protection for consumers.

擬議的加密ATM法規中最有爭議的方面之一是每天$ 2,000的用戶交易限制。眾議院首先提出了更靈活的限制，在施加限制之前，每月允許五筆交易。但是，參議院決定每日一致，因為他們認為這將確保為消費者提供更大的保護。

"We felt it was important to have a lower limit to protect consumers from making large, risky transactions," explained Senator Beachner.

Beachner參議員解釋說：“我們認為，保護消費者免於進行大型，風險的交易很重要。”

Furthermore, the crypto legislation demands that all operators submit quarterly reports to ensure compliance. These reports must include specific details about kiosk locations, total amounts of transactions, and any suspicious actions discovered. This requirement intends to give regulators increased insight into crypto ATMs and improve reactions to new fraud trends.

此外，加密立法要求所有運營商提交季度報告以確保合規性。這些報告必須包括有關信息亭位置，交易總量以及發現的任何可疑行動的具體詳細信息。這項要求旨在使監管機構對加密自然基質的洞察力增加，並改善對新欺詐趨勢的反應。

Regulators are increasingly focused on crypto ATMs as part of a broader effort to increase oversight of the cryptocurrency industry. Nebraska recently passed a new law that requires strict licensing and compliance rules for crypto ATM operators. Additionally, Senator Dick Durbin is supporting federal legislation to stop crypto fraud and protect victims from deceitful deposits.

作為增加對加密貨幣行業的監督的更廣泛努力的一部分，監管機構越來越關注加密ATM。內布拉斯加州最近通過了一項新法律，該法律要求加密ATM運營商嚴格的許可和合規規則。此外，參議員迪克·德賓（Dick Durbin）正在支持聯邦立法，以製止加密欺詐，並保護受害者免受欺騙性的存款。

"We need federal laws to stop this fraud and protect victims," Senator Durbin said. "This legislation will create a safer and more trustworthy financial system for all Americans."

德賓參議員說：“我們需要聯邦法律來製止這種欺詐並保護受害者。” “這項立法將為所有美國人創造一個更安全，更值得信賴的金融體系。”

Crypto ATM operators will need to register with the banking regulator and obtain a money transmitter license, while also complying with relevant federal anti-money laundering and economic sanctions programs. The legislation also includes provisions for reporting suspicious activity to the Financial Crimes Enforcement Network (FinCEN).

加密自動櫃員機運營商將需要在銀行監管機構註冊並獲得貨幣發射機許可，同時還遵守相關的聯邦反洗錢和經濟制裁計劃。該立法還包括向金融犯罪執法網絡（FINCEN）報告可疑活動的規定。

"It's a new technology, and we're trying to balance innovation with consumer protection," said an official involved in drafting the legislation. "We want to make sure that consumers are protected from fraud and that the industry can operate in a safe and efficient manner."

一位參與起草立法的官員說：“這是一項新技術，我們正在努力使創新與消費者的保護之間取得平衡。” “我們要確保消費者受到欺詐的保護，並且該行業可以安全有效地運作。”

The legislation is now heading back to the House for a final vote. It will then go to the governor's desk for his signature.

該立法現在正回到眾議院進行最後的投票。然後，它將前往州長的辦公桌以進行簽名。

North Dakota's approach to balancing innovation with consumer safety could model future crypto ATM regulations for other states. This legislative effort may establish a valuable precedent for national regulations in the rapidly evolving cryptocurrency sector.

北達科他州平衡創新與消費者安全的方法可以對其他州的未來加密atm ATM法規進行建模。這項立法努力可能為快速發展的加密貨幣部門的國家法規建立了寶貴的先例。