為了回應每年消費者超過1億美元的比特幣ATM騙局，四名民主黨參議員引入

由參議員迪克·杜賓（D-ill。

The incidence of bitcoin ATM scams is a pressing issue, with new data from the U.S. Federal Trade Commission revealing that consumers fell victim to these scams to the tune of $65 million in the first half of 2024.

比特幣ATM騙局的發病率是一個緊迫的問題，美國聯邦貿易委員會的新數據顯示，消費者在2024年上半年造成了6500萬美元的受害者。

The scams, which typically target older adults, involve criminals impersonating bank or law enforcement officials to deceive victims into making large cryptocurrency purchases at bitcoin ATMs. These scams have resulted in a median reported loss of $10,000 among all age groups, with some individuals, like a retired couple in South Carolina, suffering even greater losses—in this case, almost $390,000 over several months of deposits.

這些通常針對老年人的騙局涉及犯罪分子假冒銀行或執法人員，以欺騙受害者在比特幣ATMS上購買大量加密貨幣。這些騙局導致所有年齡段的中位數損失了10,000美元，其中一些人（例如南卡羅來納州的一對退休夫婦）遭受了更大的損失 - 在這種情況下，幾個月的存款中近390,000美元。

In response to these scams, which are estimated to cost consumers more than $100 million annually, four Democratic senators have introduced the Crypto ATM Fraud Prevention Act. The proposed legislation, spearheaded by Sen. Dick Durbin (D-Ill.), aims to introduce new measures to mitigate these fraudulent activities.

為了應對這些騙局，估計每年使消費者損失超過1億美元的損失，四名民主黨參議員提出了《加密ATM ATM欺詐法》。由參議員迪克·杜賓（Dick Durbin）牽頭的擬議立法旨在提出新的措施來減輕這些欺詐性活動。

The bill proposes that new users be limited to spending no more than $2,000 per day or $10,000 over a 14-day period to buy cryptocurrency from a bitcoin ATM. It also mandates that companies personally contact new customers attempting transactions exceeding $500 and offer full refunds to those who report the fraudulent activity to the police within 30 days.

該法案建議，新用戶僅限於每天花費不超過2,000美元，或者在14天的時間內從比特幣ATM購買加密貨幣。它還要求公司親自與新客戶聯繫，這些新客戶企圖交易超過500美元，並向那些在30天內向警方報告欺詐活動的人全額退款。

The senators' initiative comes as at least 15 states are considering bills to curb bitcoin ATM scams, according to a report by Governing magazine. The majority of these proposals aim to restrict crypto ATM transactions to $1,000 per customer daily and cap fees at $5 or between 3% and 15% of a transaction’s value.

根據《統治雜誌》的一份報告，參議員的倡議至少有15個州正在考慮遏制比特幣ATM騙局的賬單。這些建議中的大多數旨在將加密atm atm交易限制在每日客戶每日1,000美元，而上限費為5美元或交易價值的3％至15％之間。

Moreover, at least three states—Minnesota, California and Vermont—already enforce daily transaction limits for bitcoin ATMs.

此外，至少有三個州 - 明尼蘇達州，加利福尼亞州和佛蒙特州 - 已經準備好對比特幣ATM的每日交易限制。

The rapid growth of bitcoin ATMs in recent years has created new opportunities for fraudsters. According to Coin ATM Radar, there are nearly 40,000 bitcoin ATMs in the U.S., a stark increase from just 10 years ago, when there were none. These ATMs are often placed at gas stations and retail stores, such as the Midwest convenience store chain Kwik Trip, which offers customers the chance to buy bitcoin at more than 800 locations.

近年來，比特幣ATM的快速增長為欺詐者創造了新的機會。根據Coin ATM雷達的數據，美國有將近40,000個比特幣ATM，與僅10年前沒有的情況相比，沒有。這些自動取款機通常放置在加油站和零售店，例如中西部便利店連鎖店Kwik Trip，該旅行為客戶提供了在800多個地點購買比特幣的機會。

The criminals, frequently impersonating bank or law enforcement officials, target victims—typically older individuals—with stories requiring them to withdraw a large sum of cash from their bank to pay for something like missing jury duty and deposit it into a bitcoin ATM.

經常冒充銀行或執法人員的罪犯，針對年齡較大的受害者的目標，他們要求他們從銀行撤回一筆大筆現金，以支付諸如缺少陪審團的責任並將其存入比特幣ATM之類的費用。

The victims are then instructed to scan a QR code or enter a warrant number associated with their case. However, these numbers are linked to the criminal’s virtual wallets, granting them access to the funds and making recovery nearly impossible.

然後，指示受害者掃描QR碼或輸入與其案件相關的認股權證號碼。但是，這些數字與罪犯的虛擬錢包有關，使他們獲得資金，並使恢復幾乎不可能。