北达科他州正准备很快实施加密货币ATM的监管框架。

州参议院强烈支持众议院第1447号法案，以制定加密货币ATM法规。该立法旨在通过对售货亭运营商执行更严格的操作规则来解决加密ATM越来越多的欺诈行为。

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.

北达科他州将为加密货币ATMS引入一个监管框架，州参议院强烈支持众议院第1447号法案，以制定加密货币ATM法规，并预计下周将在大会上进行最终投票。

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.

该立法以45比1的投票通过了参议院，旨在通过对售货亭运营商实施更严格的运营规则来解决加密货币ATM的欺诈行为。新法律要求收购货币发射机许可证和区块链分析以进行欺诈检测，并且还要求运营商任命合规官，提供季度交易报告，并遵守每日2,000美元的交易限额。这些措施是对对加密ATM骗局的日益担忧的回应，从而造成用户经济损失。

"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."

参议院多数党领袖史蒂夫·比奇纳（Steve Beachner）表示：“我们正在努力为消费者提供一些保护。” “他们现在没有得到任何保护，这是一个迅速发展的新行业。”

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.

北达科他州正在加强对该州内加密货币使用者的保护和清晰度。现在，将要求北达科他州的每个加密货币ATM运营商都必须获得正式的货币发射机许可证。这项新法规确保这些公司适当遵守必要的财务法规。这些至关重要的标准反映了已经为典型的金融服务提供商所建立的标准。

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.

操作员还必须集成区块链分析软件以进行交易监控，以快速检测可疑活动。该基本软件标志着潜在的欺诈行为，直接解决了涉及加密ATM骗局的上升案件。当局现在可以迅速检测到可疑活动，这是这项技术，在骗子使客户受害之前。

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.

拟议的加密ATM法规中最有争议的方面之一是每天$ 2,000的用户交易限制。众议院首先提出了更灵活的限制，在施加限制之前，每月允许五笔交易。但是，参议院决定每日一致，因为他们认为这将确保为消费者提供更大的保护。

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

Beachner参议员解释说：“我们认为，保护消费者免于进行大型，风险的交易很重要。”

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，加密立法要求所有运营商提交季度报告以确保合规性。这些报告必须包括有关信息亭位置，交易总量以及发现的任何可疑行动的具体详细信息。这项要求旨在使监管机构对加密自然基质的洞察力增加，并改善对新欺诈趋势的反应。

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.

作为增加对加密货币行业的监督的更广泛努力的一部分，监管机构越来越关注加密ATM。内布拉斯加州最近通过了一项新法律，该法律要求加密ATM运营商严格的许可和合规规则。此外，参议员迪克·德宾（Dick Durbin）正在支持联邦立法，以制止加密欺诈，并保护受害者免受欺骗性的存款。

"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."

德宾参议员说：“我们需要联邦法律来制止这种欺诈并保护受害者。” “这项立法将为所有美国人创造一个更安全，更值得信赖的金融体系。”

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).

加密自动柜员机运营商将需要在银行监管机构注册并获得货币发射机许可，同时还遵守相关的联邦反洗钱和经济制裁计划。该立法还包括向金融犯罪执法网络（FINCEN）报告可疑活动的规定。

"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."

一位参与起草立法的官员说：“这是一项新技术，我们正在努力使创新与消费者的保护之间取得平衡。” “我们要确保消费者受到欺诈的保护，并且该行业可以安全有效地运作。”

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.

该立法现在正回到众议院进行最后的投票。然后，它将前往州长的办公桌以进行签名。

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.

北达科他州平衡创新与消费者安全的方法可以对其他州的未来加密atm ATM法规进行建模。这项立法努力可能为快速发展的加密货币部门的国家法规建立了宝贵的先例。