北达科他州为加密货币ATM创建新的许可系统

北达科他州即将创建一个用于加密货币ATM的新许可系统。州参议院于3月18日通过了1447年的众议院法案，以45票对1票获得。

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.

北达科他州的参议院通过了一项法案，该法案将为该州的加密货币ATM创建许可系统。该法案，众议院第1447号法案以45票对1的​​投票通过。

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.

该法案于1月15日首次提出，旨在通过为机器运营商制定规则来保护人们免受加密骗局的侵害。它还包括帮助检测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.”

介绍该法案的代表史蒂夫·斯威特克（Steve Swiontek）说：“我们有责任保护人们免受骗局的侵害，并为在我们州开展业务的企业提供公平的竞争环境。” “加密货币ATM是一项可用于好与坏的新技术，我们需要确保它们在北达科他州安全和负责任地使用。”

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.

该法案将要求加密ATM运营商获得货币发射机许可证，这将确保他们遵守适当的财务法规。它还将每日交易限制为每位用户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.

立法始于1,000美元的交易限额，但众议院委员会上个月扩大了这些限制。参议院变更后，该法案必须返回众议院进行另一次投票。

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.

如果经房屋的批准，该法案将去北达科他州州长凯利·阿姆斯特朗（Kelly Armstrong），后者可以将其签署为法律或否决法律。

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.

该法案将要求操作员在机器的屏幕上发布欺诈警告，并在用户完成交易之前提醒骗子。许多骗局受害者报告被指导到加密货币党向罪犯汇款。

“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说：“骗子以比特币ATM骗局为目标的骗子越来越普遍。” “这些骗局急剧上升，我们敦促所有人意识到这些骗局并将其报告给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.

该法案还将要求操作员使用区块链分析软件，该软件有助于通过跟踪可疑交易来检测和打击欺诈。运营商将被要求向适当的当局报告任何可疑活动。

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，运营商将被要求就售货亭的地点和交易提交季度报告。这些报告将使监管机构对全州如何使用加密ATM的可见性。

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.

每个操作员都需要任命一名合规官，该官员将负责确保公司遵守所有新法规。

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.

立法是随着当局看到加密ATM骗局的增加而到来的。 TRM Labs发现，自2019年以来，加密ATM可能至少促进了至少1.6亿美元的非法交易。

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.

执法机构将这些机器视为洗钱的高风险。它们也是更广泛的骗局的关键部分，例如浪漫史上的骗局和技术支持骗局。

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

新立法是州和联邦当局为监管加密货币行业的更广泛努力的一部分。

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.

今年早些时候，内布拉斯加州通过了可控的电子记录欺诈预防法案，该法案旨在防止加密骗局和盗窃。该法案由州长吉姆·皮伦（Jim Pillen）于3月13日签署，对加密atm ATM操作员施加了义务，以验证用户的身份并提供反欺诈警告。

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.

在联邦一级，伊利诺伊州的参议员迪克·杜宾（Dick Durbin）提出了类似的立法，要求加密ATM运营商在财政部注册，并向用户提供反欺诈警告。

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.

德宾通过加密ATM骗局损失了15,000美元后，被搬到了行动。骗子声称，该成员的女儿有逮捕令，可以通过通过加密货币支付罚款来清除。

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%).

尽管比特币在2024年的价格上涨，但自2022年以来，美国的加密货币数量一直保持平坦。美国拥有29,822台机器，占全球市场的78％。加拿大以3,486台机器（9.2％）排名第二，而澳大利亚以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.

在英国，当局对未注册的加密自动柜员机操作员进行了审查。金融行为当局最近起诉了Olumide Osunkoya，运行了340万美元的非法加密自动柜员机。 Osunkoya因此和相关罪行被判处四年徒刑。