比特幣ATM：將現金轉換為加密貨幣的新方法

比特幣ATM，也稱為BTM，正在徹底改變人們與加密貨幣的互動方式。這些信息亭使用戶可以使用現金或信用/借記卡購買或出​​售比特幣，從而向數字貨幣世界提供物理網關。與傳統ATM不同，比特幣ATM通過QR碼操作，使用戶能夠在幾分鐘內發送比特幣並獲得現金。

Bitcoin ATMs, also known as BTMs, are revolutionizing how people interact with cryptocurrency. These kiosks, typically found in convenience stores, gas stations, and other high-footfall locations, allow users to buy or sell Bitcoin using cash or credit/debit cards.

比特幣ATM，也稱為BTM，正在徹底改變人們與加密貨幣的互動方式。這些售貨亭通常在便利店，加油站和其他高腳財產地點發現，允許用戶使用現金或信用/借記卡購買或出​​售比特幣。

How Bitcoin ATMs work

比特幣ATM如何工作

Bitcoin ATMs simplify the process of converting cash into cryptocurrency. Users scan a QR code provided by the machine to send Bitcoin from their digital wallet for cash withdrawals. Once the transaction is confirmed, the machine dispenses cash equivalent to the Bitcoin value sent.

比特幣ATM簡化了將現金轉換為加密貨幣的過程。用戶掃描機器提供的QR碼，以從其數字錢包中發送比特幣以提取現金。一旦確認交易，該機器將分配現金等效於發送的比特幣值。

Bitcoin operates on the blockchain, a decentralized ledger that tracks transactions openly and permanently. This technology, which is used to power cryptocurrencies, is a common topic in investing courses for young adults. Unlike traditional banking systems, Bitcoin ATMs aren't subject to central authorities.

比特幣在區塊鏈上運行，該區塊鍊是一個分散的分類帳，可公開，永久跟踪交易。該技術用於為加密貨幣提供動力，是為年輕人投資課程的共同話題。與傳統的銀行系統不同，比特幣ATM不受中央當局的約束。

What is Bitcoin ATM fraud?

什麼是比特幣ATM欺詐？

While Bitcoin ATMs offer convenience for crypto-curious investors, they’ve also become a target for scammers. According to the Federal Trade Commission (FTC), consumers lost approximately $65 million to Bitcoin ATM fraud in the first half of 2024. Older adults over 60 were particularly vulnerable, with an average loss of $5,000.

雖然比特幣ATM為加密有趣的投資者提供便利，但他們也已成為騙子的目標。根據聯邦貿易委員會（FTC）的數據，消費者在2024年上半年向比特幣ATM欺詐損失了約6500萬美元。 60歲以上的老年人特別容易受到傷害，平均虧損為5,000美元。

Common scams to watch out for

普通騙局要注意

• Impersonation Scams: Fraudsters may impersonate government officials, tech support, or representatives from well-known companies to contact people about an urgent matter. For instance, they might claim that the IRS is freezing the victim’s Social Security number due to unpaid taxes and instruct them to withdraw a specific amount of cash and deposit it into a Bitcoin ATM for protection.

•模仿騙局：欺詐者可能會模仿政府官員，技術支持或知名公司的代表，以與人們聯繫有關緊急情況。例如，他們可能聲稱美國國稅局因未付稅而凍結了受害者的社會保險號，並指示他們撤回特定數量的現金並將其存入比特幣ATM中以保護。

• QR Code Manipulation: Scammers may provide victims with a QR code that diverts funds to their crypto accounts instead of the intended recipient’s wallet. They might also use screen-recording software to create a fake Zoom meeting with a fraudulent Zoom code.

•QR碼操縱：騙子可以為受害者提供QR碼，該QR碼將資金轉移到其加密貨幣帳戶中，而不是預期的收件人錢包。他們還可能使用屏幕錄製軟件來創建具有欺詐性縮放代碼的假縮放會議。

• Urgency Tactics: Scammers may use urgency to pressure victims into acting quickly without verifying the information. They may induce fear by mentioning unexpected problems or create a false sense of urgency with messages like, “We are in a hurry. Please be quick.”

•緊迫性策略：騙子可能會使用緊迫性向受害者施加壓力，以迅速採取行動，而無需驗證信息。他們可能會通過提及意外問題或通過信息造成錯誤的緊迫感來誘發恐懼，例如“我們很著急。請快點。”

The FTC warns, "Don’t believe anyone who says you need to use a Bitcoin ATM, buy gift cards, or move money to protect it or fix a problem. Real businesses and government agencies will never do that – and anyone who asks is a scammer."

FTC警告說：“不要相信任何人說您需要使用比特幣ATM，購買禮品卡或移動資金來保護或解決問題的人。真正的企業和政府機構永遠不會做到這一點 - 任何要求任何要求的人都是騙子。”

How to stay safe when using Bitcoin ATMs

使用比特幣ATM時如何保持安全

To protect yourself from Bitcoin ATM fraud, the FTC recommends:

為了保護自己免受比特幣ATM欺詐的侵害，FTC建議：

• Verify Requests: Be skeptical of unsolicited calls, messages, or emails from unfamiliar numbers or email addresses, especially if they request urgent action or threaten consequences. Always verify any requests with the original source. For instance, if you receive a call from someone claiming to be an IRS agent, hang up and contact the IRS directly through their official channels to confirm.

•驗證請求：對不熟悉的電話或電子郵件地址的未經請求的電話，消息或電子郵件持懷疑態度，尤其是當他們要求緊急行動或威脅後果時。始終用原始源驗證任何請求。例如，如果您收到聲稱自己是IRS代理商的人的電話，請掛斷電話並直接通過其官方渠道與IRS聯繫以確認。

• Avoid Suspicious Links: Don’t click on links from unknown sources or hover over them to preview the URL. If you're expecting an email from a specific company or organization and receive an email from a different email address or with a faulty email domain, it's likely a scam.

•避免可疑鏈接：不要單擊來自未知來源的鏈接，也不要在它們上懸停以預覽URL。如果您期望來自特定公司或組織的電子郵件，並從其他電子郵件地址或有錯誤的電子郵件域接收電子郵件，則可能是騙局。

• Take Your Time: Never rush to move funds or make any financial decisions on the spot. Legitimate entities won't pressure you into acting immediately. If someone threatens to close your bank account or freeze your Social Security number unless you comply within a short time frame, it's a scam.

•花點時間：切勿急於搬遷資金或當場做出任何財務決定。合法的實體不會迫使您立即採取行動。如果有人威脅要關閉您的銀行帳戶或凍結您的社會保險號，除非您在短時間內遵守，否則這是一個騙局。

• Use Trusted Resources: For assistance in locating Bitcoin ATMs, platforms like Coin ATM Radar provide interactive maps to identify nearby machines. Additionally, organizations like the BBB (Better Business Bureau) can provide information on the trustworthiness of companies or individuals.

•使用值得信賴的資源：為了協助找到比特幣ATM，硬幣ATM雷達等平台提供了交互式地圖來識別附近的機器。此外，像BBB（BEATE Business Bureau）這樣的組織還可以提供有關公司或個人可信度的信息。

Why Bitcoin ATMs matter

為什麼比特幣ATM很重要

Bitcoin ATMs are a significant step in bridging the gap between physical and digital finance. They make cryptocurrency more accessible to everyday users, allowing them to convert cash into Bitcoin without relying on online exchanges.

比特幣ATM是彌合物理金融和數字融資之間差距的重要一步。它們使加密貨幣更容易被日常用戶訪問，從而可以將現金轉換為比特幣，而無需依靠在線交流。

However, their growing popularity also highlights the need for vigilance and education to prevent fraud. As the crypto landscape evolves, tools like Bitcoin ATMs will continue to play a pivotal role in mainstream adoption. For young, financially savvy investors interested in alternative investment vehicles, understanding how these machines work—and the risks involved—is essential to staying ahead in the world of digital assets.

但是，他們日益普及的人也凸顯了需要警惕和教育以防止欺詐的必要性。隨著加密貨幣景觀的發展，比特幣ATM等工具將繼續在主流採用中發揮關鍵作用。對於對替代投資工具感興趣的年輕，精明的投資者，了解這些機器的工作方式以及所涉及的風險對於在數字資產領域保持領先地位至關重要。