北達科他州參議院通過HB 1447，恢復了加密貨幣ATM交易的每日2000美元限制

北達科他州參議院通過了1447年的眾議院法案，恢復了對加密ATM交易的每日2000美元限制。

The North Dakota Senate has passed House Bill 1447, which sets a $2,000 daily limit on cryptocurrency ATM transactions in the state. The bill, which was approved in a 45-to-1 vote on March 18, now returns to the House for approval before reaching Governor Kelly Armstrong.

北達科他州參議院已通過了1447年的眾議院法案，該法案對該州的加密貨幣ATM交易限制了2,000美元的限制。該法案於3月18日以45票對1票獲得批准，現在在與州長凱利·阿姆斯特朗（Kelly Armstrong）之前返回眾議院批准。

Originally, the bill proposed a $1,000 daily limit, but a House committee increased the cap last month. The revised version allowed $2,000 per day but restricted users to five such transactions within 30 days. The Senate version further removed the 30-day restriction, effectively enforcing a flat $2,000 daily limit.

最初，該法案提議每日限額為1,000美元，但眾議院委員會上個月增加了上限。修訂版的版本每天允許2,000美元，但在30天內將用戶限制為五筆此類交易。參議院版本進一步刪除了30天的限制，有效地執行了每日固定$ 2,000的限制。

The bill also introduces new regulations for crypto ATM operators, requiring them to obtain a money transmitter license to operate in North Dakota and comply with reporting requirements. Operators must submit quarterly reports with details on transactions over $10,000, suspicious activity reports (SARs), and any consumer complaints received.

該法案還介紹了加密自動櫃員機運營商的新規定，要求他們獲得在北達科他州運營的貨幣發射機許可並遵守報告要求。運營商必須提交季度報告，其中詳細介紹了超過10,000美元的可疑活動報告（SARS）以及收到的任何消費者投訴。

Moreover, operators must use blockchain analytics to monitor for fraud and suspicious activity, reporting any concerns to the Department of Banking and report any issues encountered to consumers. They must also post fraud warnings on ATMs, advise consumers about the risks of crypto transactions, and provide contact information for reporting fraud.

此外，操作員必須使用區塊鏈分析來監視欺詐和可疑活動，向銀行部報告任何問題，並向消費者報告任何問題。他們還必須在ATM上發布欺詐警告，向消費者提供加密交易的風險，並提供聯繫信息以進行報告欺詐。

Lawmakers expressed concerns about fraud in crypto ATM transactions, with Representative Steve Swiontek, who introduced the bill, highlighting the use of crypto ATMs by criminals for fraud and theft. He emphasized the need to protect consumers from exploitation by those engaging in opportunistic criminal activity.

立法者對加密atmat Atm交易中的欺詐表示擔憂，史蒂夫·斯威特克（Steve Swiontek）介紹了該法案，強調了罪犯對欺詐和盜竊的使用。他強調有必要保護消費者免受機會主義犯罪活動的剝削。

Several states have passed similar laws to regulate crypto ATM transactions and prevent fraud. On March 13, Nebraska Governor Jim Pillen signed the Controllable Electronic Record Fraud Prevention Act to address crypto ATM scams, while at the federal level, Senator Dick Durbin introduced a bill on February 25 after a $15,000 crypto ATM scam was reported.

幾個州已經通過了類似的法律，以規範加密ATM交易並防止欺詐。 3月13日，內布拉斯加州州長吉姆·皮倫（Jim Pillen）簽署了可控的電子記錄欺詐預防法案，以解決加密ATM騙局，而在聯邦一級，參議員迪克·杜賓（Dick Durbin）於2月25日提出了一項15,000美元的加密貨幣ATM騙局，並於2月25日提出了一項法案。

In this instance, a victim was tricked by a caller who threatened arrest and demanded payment in crypto to cancel an alleged warrant for the victim's arrest. The caller instructed the victim to use a crypto ATM at a specific gas station to make the demanded transfer.

在這種情況下，一個受害者被呼叫者欺騙，該呼叫者威脅要逮捕，並要求在加密貨幣中付款以取消涉嫌逮捕令。呼叫者指示受害者在特定加油站使用加密貨幣ATM進行要求的轉移。

Reports of fraud involving crypto ATMs and other crypto payment methods have increased, with a September 2023 report from the Federal Trade Commission (FTC) revealing that Bitcoin ATM fraud losses grew nearly tenfold between 2020 and 2023.

關於加密ATMS和其他加密支付方法的欺詐報告有所增加，20023年9月的聯邦貿易委員會（FTC）的報告顯示，比特幣ATM欺詐損失在2020年至2023年之間增長了近十倍。

Losses from crypto and blockchain scams exceeded $65 million in the first half of 2024, with individuals aged 60 and older three times more likely to fall victim to such scams.

在2024年上半年，加密貨幣和區塊鏈騙局的損失超過了6500萬美元，其中60歲及60歲以上的人遭受此類騙局的受害者的可能性高三倍。

Despite the concerns over crypto ATM fraud, the United States remains the leader in crypto ATM installations, hosting 29,822 machines, which represents 78% of the global market share, according to Coin ATM Radar.

根據Coin ATM Radar的數據顯示，儘管擔心加密ATM欺詐行為，但美國仍然是Crypto ATM設施的領導者，託管29,822台機器，佔全球市場份額的78％。

Canada follows with 3,486 crypto ATMs, which is 9.2% of the market, while Australia ranks third with 1,613 ATMs, or 4.3% of the market. Overall, the North Dakota crypto ATM bill is part of broader efforts by state and federal lawmakers to regulate crypto transactions and prevent fraud as crypto adoption continues to rise.

加拿大持續了3,486個加密貨幣ATM，佔市場的9.2％，而澳大利亞以1,613個ATM或4.3％的市場排名第三。總體而言，北達科他州加密ATM法案是州和聯邦立法者在規範加密交易方面的更廣泛努力的一部分，因為加密採用的採用不斷上升，並防止欺詐。