尽管受到监管审查，比特币 ATM 机的繁荣仍刺激了加密货币的采用

比特币 ATM 机是支持互联网的信息亭，允许用户使用传统的金融方法购买比特币和山寨币。它们在全球拥有超过 14,000 台机器，由于加密货币的大规模采用而受到欢迎。用户通过扫描加密钱包中的二维码来购买比特币，而费用通常高于中心化交易所。尽管如此，比特币 ATM 机为加密货币提供了便利和支持，导致使用量增加。然而，对成本和监管障碍的担忧仍然存在，诈骗和非法活动促使监管机构实施 KYC 和 AML 措施。

Bitcoin ATM Proliferation Facilitates Cryptocurrency Adoption Amid Regulatory Scrutiny

比特币 ATM 激增促进加密货币在监管审查中的采用

The widespread acceptance of cryptocurrencies has been accompanied by a surge in the number of Bitcoin automated teller machines (ATMs) globally, catering to the crescente demand for easy access to digital assets. These internet-enabled kiosks provide a convenient platform for individuals to purchase Bitcoin and other cryptocurrencies using traditional financial methods, such as debit cards.

加密货币的广泛接受伴随着全球比特币自动柜员机（ATM）数量的激增，满足了人们对轻松获取数字资产的日益增长的需求。这些支持互联网的信息亭为个人使用借记卡等传统金融方式购买比特币和其他加密货币提供了便利的平台。

As of this writing, over 14,000 Bitcoin ATMs are operational worldwide, a testament to the rapidly expanding industry. Driven by the growing accessibility of cryptocurrency, operators, typically crypto companies, rent spaces at strategic locations such as malls, petrol stations, and retail stores to host these machines.

截至撰写本文时，全球有超过 14,000 台比特币 ATM 机在运行，这证明了该行业的快速发展。在加密货币日益普及的推动下，运营商（通常是加密货币公司）在购物中心、加油站和零售店等战略地点租用空间来托管这些机器。

Understanding the Bitcoin ATM Experience

了解比特币 ATM 体验

Unlike conventional ATMs that dispense cash, Bitcoin ATMs primarily serve as a gateway to acquiring Bitcoin and other cryptocurrencies. To utilize an ATM, users require a digital wallet, which serves as the storage facility for their crypto assets. The transaction process involves scanning a QR code associated with the wallet, facilitating the transfer of funds from the ATM to the user's account.

与分发现金的传统 ATM 不同，比特币 ATM 主要充当获取比特币和其他加密货币的网关。要使用 ATM，用户需要一个数字钱包，作为其加密资产的存储设施。交易过程涉及​​扫描与钱包相关的二维码，以便将资金从 ATM 转移到用户的帐户。

In cases where a user lacks a preexisting wallet, the ATM provides the option to generate one. Within minutes of completing the transaction, the cryptocurrency appears in the user's wallet. Regulatory compliance mandates in certain jurisdictions may impose cash withdrawal limits or additional verification measures, such as phone number verification, for larger transactions. Furthermore, some modern ATMs require government identification to ensure regulatory adherence.

如果用户缺少预先存在的钱包，ATM 可以提供生成钱包的选项。交易完成后几分钟内，加密货币就会出现在用户的钱包中。某些司法管辖区的监管合规要求可能会对较大交易施加现金提取限制或额外的验证措施，例如电话号码验证。此外，一些现代 ATM 需要政府标识以确保遵守监管规定。

Fees and Regulatory Considerations

费用和监管考虑因素

While Bitcoin ATMs offer a convenient entry point into the cryptocurrency market, concerns have been raised regarding transaction fees and regulatory hurdles. Compared to centralized exchanges, which offer more competitive rates, Bitcoin ATMs typically charge a higher fee, around 7% on average. This premium reflects the costs associated with hardware maintenance, rental fees, and other operational expenses.

虽然比特币 ATM 机提供了进入加密货币市场的便捷切入点，但人们对交易费用和监管障碍提出了担忧。与提供更具竞争力的费率的中心化交易所相比，比特币 ATM 通常收取更高的费用，平均约为 7%。该溢价反映了与硬件维护、租赁费用和其他运营费用相关的成本。

Despite the higher costs, the convenience and accessibility of Bitcoin ATMs continue to attract users. However, regulatory oversight of the industry remains a critical concern. Incidents of Bitcoin ATM scams and illicit activities have prompted global regulators to implement stricter measures, including Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements. In the United States, operators are obligated to register with the Financial Crimes Enforcement Network (FinCEN) and comply with the Bank Secrecy Act.

尽管成本较高，但比特币 ATM 的便利性和可访问性继续吸引用户。然而，对该行业的监管仍然是一个关键问题。比特币 ATM 诈骗和非法活动事件促使全球监管机构实施更严格的措施，包括了解你的客户 (KYC) 和反洗钱 (AML) 要求。在美国，运营商有义务在金融犯罪执法网络 (FinCEN) 注册并遵守《银行保密法》。

The regulatory landscape for Bitcoin ATMs is evolving, with government agencies seeking to balance the need for consumer protection with the promotion of innovation in the digital asset sector. As the industry matures, regulators are expected to continue implementing measures to mitigate fraud and ensure the integrity of the ecosystem.

比特币 ATM 的监管环境正在不断发展，政府机构寻求在消费者保护的需求与促进数字资产领域的创新之间取得平衡。随着行业的成熟，监管机构预计将继续采取措施减少欺诈并确保生态系统的完整性。

Conclusion

结论

The proliferation of Bitcoin ATMs reflects the growing adoption of cryptocurrencies and provides a convenient means for individuals to acquire digital assets. While concerns about fees and regulatory compliance warrant attention, the benefits of accessibility and ease of use continue to drive the popularity of these machines. As the industry continues to evolve, it is imperative for operators and regulators to work together to foster a safe and compliant environment for cryptocurrency transactions.

比特币 ATM 机的激增反映了加密货币的日益普及，并为个人获取数字资产提供了便捷的方式。虽然对费用和监管合规性的担忧值得关注，但可访问性和易用性的好处继续推动这些机器的普及。随着行业的不断发展，运营商和监管机构必须共同努力，为加密货币交易营造安全、合规的环境。