北达科他州参议院通过HB 1447，恢复了加密货币ATM交易的每日2000美元限制

北达科他州参议院通过了1447年的众议院法案，恢复了对加密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.

北达科他州参议院已通过了1447年的众议院法案，该法案对该州的加密货币ATM交易限制了2,000美元的限制。该法案于3月18日以45票对1票获得批准，现在在与州长凯利·阿姆斯特朗（Kelly Armstrong）之前返回众议院批准。

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，该法案提议每日限额为1,000美元，但众议院委员会上个月增加了上限。修订版的版本每天允许2,000美元，但在30天内将用户限制为五笔此类交易。参议院版本进一步删除了30天的限制，有效地执行了每日固定$ 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.

该法案还介绍了加密自动柜员机运营商的新规定，要求他们获得在北达科他州运营的货币发射机许可并遵守报告要求。运营商必须提交季度报告，其中详细介绍了超过10,000美元的可疑活动报告（SARS）以及收到的任何消费者投诉。

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，操作员必须使用区块链分析来监视欺诈和可疑活动，向银行部报告任何问题，并向消费者报告任何问题。他们还必须在ATM上发布欺诈警告，向消费者提供加密交易的风险，并提供联系信息以进行报告欺诈。

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.

立法者对加密atmat Atm交易中的欺诈表示担忧，史蒂夫·斯威特克（Steve Swiontek）介绍了该法案，强调了罪犯对欺诈和盗窃的使用。他强调有必要保护消费者免受机会主义犯罪活动的剥削。

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.

几个州已经通过了类似的法律，以规范加密ATM交易并防止欺诈。 3月13日，内布拉斯加州州长吉姆·皮伦（Jim Pillen）签署了可控的电子记录欺诈预防法案，以解决加密ATM骗局，而在联邦一级，参议员迪克·杜宾（Dick Durbin）于2月25日提出了一项15,000美元的加密货币ATM骗局，并于2月25日提出了一项法案。

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.

在这种情况下，一个受害者被呼叫者欺骗，该呼叫者威胁要逮捕，并要求在加密货币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货币ATM进行要求的转移。

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.

关于加密ATMS和其他加密支付方法的欺诈报告有所增加，20023年9月的联邦贸易委员会（FTC）的报告显示，比特币ATM欺诈损失在2020年至2023年之间增长了近十倍。

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，加密货币和区块链骗局的损失超过了6500万美元，其中60岁及60岁以上的人遭受此类骗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.

根据Coin ATM Radar的数据显示，尽管担心加密ATM欺诈行为，但美国仍然是Crypto ATM设施的领导者，托管29,822台机器，占全球市场份额的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.

加拿大持续了3,486个加密货币ATM，占市场的9.2％，而澳大利亚以1,613个ATM或4.3％的市场排名第三。总体而言，北达科他州加密ATM法案是州和联邦立法者在规范加密交易方面的更广泛努力的一部分，因为加密采用的采用不断上升，并防止欺诈。