比特幣 ATM：紐約市避免詐騙和保護自己的指南

比特幣 ATM 機越來越多地用於詐騙，攻擊毫無戒心的受害者。了解如何保護自己以及要注意什麼。

Bitcoin ATMs: A NYC Guide to Avoiding Scammers and Protecting Yourself

比特幣 ATM：紐約市避免詐騙和保護自己的指南

Alright, New Yorkers, let's talk Bitcoin ATMs. These machines, popping up in bodegas and gas stations all over the city, are becoming a real headache. Scammers are using them to rip off everyday folks, and we need to wise up. This guide breaks down the scams, who's getting hit, and how to stay safe.

好吧，紐約人，讓我們來談談比特幣 ATM。這些機器出現在全市的酒窖和加油站中，正在成為一個真正令人頭痛的問題。詐騙者正在利用它們來欺騙普通人，我們需要提高警惕。本指南詳細介紹了騙局、受害人以及如何確保安全。

The Rise of Bitcoin ATM Scams

比特幣 ATM 詐騙的興起

So, what's the deal? Bitcoin ATMs let you swap cash for Bitcoin, easy peasy. But that anonymity? Scammers love it. According to the FBI, Americans lost nearly $250 million to Bitcoin ATM scams in 2024 alone, double the year before. AARP warns its members these ATMs are now the top choice for fraudsters.

那麼，到底是怎麼回事呢？比特幣 ATM 機可讓您將現金兌換成比特幣，非常簡單。但那個匿名呢？騙子就喜歡這樣。據 FBI 稱，僅 2024 年，美國人就因比特幣 ATM 詐騙損失了近 2.5 億美元，是前一年的兩倍。美國退休人員協會 (AARP) 警告其會員，這些 ATM 機現在是詐騙者的首選。

How the Scams Work

騙局是如何運作的

Here's the lowdown: a scammer might call pretending to be from the IRS, the police, or even your bank. They'll scare you into thinking your money's at risk and tell you to withdraw cash and deposit it into a Bitcoin ATM. They'll walk you through the process, step by step, until your savings are gone. Crystal Reale, a single mom from Bucks County, PA, lost $7,000 this way, thinking she was paying a bond to avoid arrest. Brutal, right?

真相如下：詐騙者可能會冒充美國國稅局、警察甚至銀行的人員打電話。他們會嚇唬你，讓你認為你的錢有風險，並告訴你提取現金並將其存入比特幣 ATM。他們會一步步引導您完成整個過程，直到您的積蓄花光。來自賓夕法尼亞州巴克斯縣的單親媽媽克里斯特爾·雷爾 (Crystal Reale) 就這樣損失了 7,000 美元，她認為自己繳納保釋金是為了避免被捕。殘酷吧？

Who's Getting Scammed?

誰被騙了？

While anyone can fall victim, seniors are particularly vulnerable. The Washington, D.C., attorney general's office even sued Athena Bitcoin, a major ATM operator, claiming 93% of transactions on their machines in D.C. were fraudulent, with a median victim age of 71. These scammers are preying on our elders, and it's messed up.

雖然任何人都可能成為受害者，但老年人尤其容易受到傷害。華盛頓特區總檢察長辦公室甚至起訴了主要 ATM 運營商 Athena Bitcoin，聲稱其在華盛頓的機器上 93% 的交易都是欺詐，受害者年齡中位數為 71 歲。這些騙子正在針對我們的長輩下手，情況一團糟。

A Glimmer of Hope: Guardian Angels and Knights in Shining Armor

一線希望：守護天使與銀甲騎士

Sometimes, there's a happy ending. Fran Bates, an 85-year-old in Texas, almost lost $40,000 to a scam. But Myndi Jordan, a fellow gas station customer, saw something was off and called the cops. Lieutenant James Stewart showed up, stopped the transaction, and got Fran her money back. There are everyday people who are heroes.

有時，會有一個幸福的結局。德克薩斯州 85 歲的弗蘭·貝茨 (Fran Bates) 因詐騙差點損失 4 萬美元。但加油站顧客明迪·喬丹 (Myndi Jordan) 發現情況不對，於是報了警。詹姆斯·斯圖爾特中尉出現，停止了交易，並把弗蘭的錢拿回來。日常生活中也有英雄。

What Can Be Done?

可以做什麼？

AARP and other advocates are pushing for stricter regulations on Bitcoin ATMs, like daily deposit limits. Several states have already passed laws, and some cities are trying to ban them altogether. Attorneys general in Iowa and D.C. are suing ATM operators, accusing them of profiting from these scams. But some ATM companies are dragging their feet, probably because regulations might hurt their profits. Adam Zarazinski, CEO of Inca Digital, believes these companies either know their ATMs are used for scams or are deliberately turning a blind eye.

美國退休人員協會和其他倡導者正在推動對比特幣 ATM 進行更嚴格的監管，例如每日存款限額。一些州已經通過了法律，一些城市正試圖完全禁止它們。愛荷華州和華盛頓特區的總檢察長正在起訴 ATM 運營商，指控他們從這些騙局中獲利。但一些 ATM 公司卻在拖延，可能是因為監管可能會損害他們的利潤。 Inca Digital 首席執行官 Adam Zarazinski 認為，這些公司要么知道他們的 ATM 被用於詐騙，要么故意睜一隻眼閉一隻眼。

Protecting Yourself: A New Yorker's Guide

保護自己：紐約客指南

Alright, here's how to stay safe in the concrete jungle:

好吧，以下是在混凝土叢林中保持安全的方法：

• Never trust unsolicited calls: No legit organization will tell you to deposit cash into a Bitcoin ATM.
• Be skeptical: If someone pressures you to act fast, it's a red flag.
• Talk to someone: If you're unsure, call a family member, friend, or the police.
• Report scams: Contact the police and the Internet Crime Complaint Center (IC3).

The Bottom Line

底線

Bitcoin ATMs aren't inherently evil, but they're a playground for scammers. Stay vigilant, trust your gut, and don't let these crooks ruin your day. And hey, if you see someone looking confused or distressed at a Bitcoin ATM, maybe lend a hand. You could be someone's guardian angel.

比特幣 ATM 本質上並不是邪惡的，但它們是騙子的遊樂場。保持警惕，相信你的直覺，不要讓這些騙子毀了你的一天。嘿，如果您看到有人在比特幣 ATM 機前看起來困惑或苦惱，也許可以伸出援手。你可以成為某人的守護天使。

Stay safe out there, New York!

紐約，外出注意安全！