比特币 ATM：纽约市避免诈骗和保护自己的指南

比特币 ATM 机越来越多地用于诈骗，攻击毫无戒心的受害者。了解如何保护自己以及要注意什么。

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

比特币 ATM：纽约市避免诈骗和保护自己的指南

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，纽约人，让我们来谈谈比特币 ATM。这些机器出现在全市的酒窖和加油站中，正在成为一个真正令人头痛的问题。诈骗者正在利用它们来欺骗普通人，我们需要提高警惕。本指南详细介绍了骗局、受害人以及如何确保安全。

The Rise of Bitcoin ATM Scams

比特币 ATM 诈骗的兴起

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.

那么，到底是怎么回事呢？比特币 ATM 机可让您将现金兑换成比特币，非常简单。但那个匿名呢？骗子就喜欢这样。据 FBI 称，仅 2024 年，美国人就因比特币 ATM 诈骗损失了近 2.5 亿美元，是前一年的两倍。美国退休人员协会 (AARP) 警告其会员，这些 ATM 机现在是诈骗者的首选。

How the Scams Work

骗局是如何运作的

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：诈骗者可能会冒充美国国税局、警察甚至银行的人员打电话。他们会吓唬你，让你认为你的钱有风险，并告诉你提取现金并将其存入比特币 ATM。他们会一步步引导您完成整个过程，直到您的积蓄花光。来自宾夕法尼亚州巴克斯县的单亲妈妈克里斯特尔·雷尔 (Crystal Reale) 就这样损失了 7,000 美元，她认为自己缴纳保释金是为了避免被捕。残酷吧？

Who's Getting Scammed?

谁被骗了？

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.

虽然任何人都可能成为受害者，但老年人尤其容易受到伤害。华盛顿特区总检察长办公室甚至起诉了主要 ATM 运营商 Athena Bitcoin，声称其在华盛顿的机器上 93% 的交易都是欺诈，受害者年龄中位数为 71 岁。这些骗子正在针对我们的长辈下手，情况一团糟。

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

一线希望：守护天使与银甲骑士

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.

有时，会有一个幸福的结局。德克萨斯州 85 岁的弗兰·贝茨 (Fran Bates) 因诈骗差点损失 4 万美元。但加油站顾客明迪·乔丹 (Myndi Jordan) 发现情况不对，于是报了警。詹姆斯·斯图尔特中尉出现，停止了交易，并把弗兰的钱拿回来。日常生活中也有英雄。

What Can Be Done?

可以做什么？

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.

美国退休人员协会和其他倡导者正在推动对比特币 ATM 进行更严格的监管，例如每日存款限额。一些州已经通过了法律，一些城市正试图完全禁止它们。爱荷华州和华盛顿特区的总检察长正在起诉 ATM 运营商，指控他们从这些骗局中获利。但一些 ATM 公司却在拖延，可能是因为监管可能会损害他们的利润。 Inca Digital 首席执行官 Adam Zarazinski 认为，这些公司要么知道他们的 ATM 被用于诈骗，要么故意睁一只眼闭一只眼。

Protecting Yourself: A New Yorker's Guide

保护自己：纽约客指南

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

好吧，以下是在混凝土丛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

底线

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.

比特币 ATM 本质上并不是邪恶的，但它们是骗子的游乐场。保持警惕，相信你的直觉，不要让这些骗子毁了你的一天。嘿，如果您看到有人在比特币 ATM 机前看起来困惑或苦恼，也许可以伸出援手。你可以成为某人的守护天使。

Stay safe out there, New York!

纽约，外出注意安全！