比特幣 ATM 詐騙爆炸性成長，消費者損失數百萬美元。以下是如何發現並避免它們

金融詐騙有多種形式：一家著名的科技公司據稱警告您，您的線上帳戶已被劫持，或者有人冒充銀行高層聲稱您的信用卡遭到未經授權的扣款。

Financial scams come in all shapes and sizes: a major technology company warning you that someone has taken over your online account, or someone pretending to be a bank executive and claiming that there have been unauthorized charges on your credit card. More elaborate scams might involve AI and fake law enforcement officials offering to "help" you with your situation — all you need to do is hand off stacks of cash to an anonymous driver outside your home.

金融詐騙的形式和規模多種多樣：一家大型科技公司警告您有人已接管您的線上帳戶，或者有人冒充銀行高管並聲稱您的信用卡遭到未經授權的扣款。更複雜的騙局可能涉及人工智慧和假執法官員，他們願意「幫助」你解決你的情況——你所需要做的就是將成堆的現金交給你家門外的匿名司機。

One clear warning sign? Such fraud is increasingly involving a bitcoin ATM, according to the Federal Trade Commission. The kiosks, known as bitcoin teller machines (BTM) and often located in places like convenience stores, bars and gas stations, look like conventional ATMs. But instead of letting you withdraw cash, users can typically buy or sell cryptocurrency using cash as well as debit or credit cards. Another difference is that BTMs are linked to a digital wallet, rather than a bank account.

一個明確的警訊？據聯邦貿易委員會稱，此類詐欺越來越多地涉及比特幣 ATM。這些資訊亭被稱為比特幣櫃員機（BTM），通常位於便利商店、酒吧和加油站等地方，看起來就像傳統的 ATM 機。但用戶通常可以使用現金以及金融卡或信用卡購買或出售加密貨幣，而不是讓您提取現金。另一個區別是 BTM 連結到數位錢包，而不是銀行帳戶。

In 2023, consumers reported $114 million in losses from scams involving BTMs — a nearly 900% increase over the preceding three years, the FTC said Tuesday in a report. Losses through June of this year are around $66 million, indicating that the trend is only worsening, while the median amount people lost was a hefty $10,000.

FTC 在周二的一份報告中表示，2023 年，消費者因涉及 BTM 的詐騙而損失了 1.14 億美元，比前三年增加了近 900%。截至今年 6 月，損失約為 6,600 萬美元，表明這一趨勢只會進一步惡化，而人們損失的中位數金額高達 10,000 美元。

Crypto-related fraud is now among the most common financial scams, according to the Better Business Bureau. Older consumers are often targeted by criminals, with the FTC noting that people age 60 and over are more than three times as likely as younger folks to get scammed by BTM scams.

據商業改善局稱，與加密貨幣相關的詐欺現在是最常見的金融詐騙之一。老年消費者經常成為犯罪分子的目標，FTC 指出，60 歲及以上的人被 BTM 詐騙的可能性是年輕人的三倍多。

In a typical BTM scam, the fraudster may claim that your computer has been hacked, or even that your bank accounts have been linked to drug smuggling or money laundering. They can help — but only if you follow their instructions to the letter.

在典型的 BTM 詐騙中，詐騙者可能會聲稱您的電腦已被駭客入侵，甚至您的銀行帳戶與毒品走私或洗錢活動有關。他們可以提供幫助——但前提是您嚴格遵循他們的指示。

The ruse may also include offering to connect you with a representative from the FTC, IRS or other government agency.

該詭計還可能包括主動為您聯繫聯邦貿易委員會、國稅局或其他政府機構的代表。

At that point, the FTC explains, the scammer will instruct victims to withdraw cash from their bank and direct you to a nearby BTM, where they text you a QR code to scan at the machine. That zips the money directly to the thieves' crypto wallet.

FTC 解釋說，屆時，騙子會指示受害者從銀行提取現金，並將您引導到附近的 BTM，他們會向您發送二維碼，以便您在機器上掃描。這會將錢直接壓縮到竊賊的加密錢包。

The bottom line, according to the FTC: "Don't believe anyone who says you need to use a Bitcoin ATM to protect your money or fix a problem. Real businesses and government agencies will never do that — anyone who does is a scammer."

根據聯邦貿易委員會的說法，底線是：「不要相信任何人說你需要使用比特幣ATM 來保護你的錢或解決問題。真正的企業和政府機構永遠不會這樣做——任何這樣做的人都是騙子。

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Alain Sherter is a senior managing editor with CBS News. He covers business, economics, money and workplace issues for CBS MoneyWatch.

阿蘭·謝爾特 (Alain Sherter) 是哥倫比亞廣播公司新聞 (CBS News) 的高級執行編輯。他為哥倫比亞廣播公司 MoneyWatch 報告商業、經濟、金錢和工作場所問題。