Spokane的Crypto ATM镇压：保护当地人还是缺少商标？

华盛顿的斯波坎，禁止加密骗局，这是由于骗局的上升问题。这是保护弱势居民的正确举措，还是过度的举动？

Spokane, Washington, has taken a bold step by banning crypto ATMs, aiming to shield its residents from rampant fraud. But is this ban a slam dunk solution, or could it be overkill? Let's dive into the heart of Spokane's crypto ATM conundrum.

华盛顿斯波坎（Spokane）通过禁止加密货币（Crypto ATM）迈出了大胆的一步，旨在保护其居民免受猖ramp的欺诈行为。但是这个禁令是扣篮解决方案，还是过度杀伤？让我们深入研究斯波坎的加密atm atm难题。

Spokane Pulls the Plug on Crypto ATMs

斯波坎在加密货币上拉插头

Back in June 2022, Spokane City Council made history by unanimously voting to prohibit crypto ATMs, becoming the first city in Washington to specifically target these machines. Fueled by rising reports of scams linked to these kiosks, the city enacted the Virtual Currency Kiosk Prohibition Toward a Safer Spokane ordinance. The FBI reported staggering losses of $5.6 billion due to crypto ATM scams nationwide in 2023, with Washington residents losing over $141 million. Spokane saw a surge in victims losing thousands through these kiosks, often located in gas stations and convenience stores. Within 60 days of the vote, operators were required to remove approximately 50 kiosks or face penalties.

早在2022年6月，斯波坎市议会通过一致投票通过禁止加密自动柜员的历史，成为华盛顿的第一个专门针对这些机器的城市。随着与这些售货亭相关的骗局的报道不断增加的报道，该市颁布了虚拟货币售货亭禁令，以解决一项更安全的斯波坎法令。联邦调查局（FBI）报告说，由于2023年全国的加密自动柜员机骗局，巨大的损失为56亿美元，华盛顿居民亏损超过1.41亿美元。斯波坎看到受害者的激增通过这些售货亭，通常位于加油站和便利店。在投票后的60天内，运营商被要求删除大约50个售货亭或面对罚款。

The Rationale Behind the Ban

禁令背后的理由

City officials, like Council Member Paul Dillon, emphasized the protective intent behind the ban, aiming to safeguard vulnerable groups, especially low-income individuals and the elderly, who are prime targets for scams. Scammers often impersonate government officials, coercing victims into making payments through these ATMs to avoid fabricated penalties. Detective Tim Schwering of the Spokane Police Department highlighted that the money is often funneled to countries where it's nearly impossible to trace, like China, North Korea, or Russia. In 2024, the FBI reported nearly 11,000 complaints and $246 million in losses from crypto ATM scams, with the elderly accounting for two-thirds of the victims.

像理事会成员保罗·狄龙（Paul Dillon）这样的市政官员强调了禁令背后的保护意图，旨在保护弱势群体，尤其是低收入个人和老年人，这是骗局的主要目标。诈骗者经常冒充政府官员，胁迫受害者通过这些自动取款机进行付款，以避免被捏造的处罚。斯波坎警察局的侦探蒂姆·施温（Tim Schwering）强调，这笔钱经常被汇入几乎不可能追踪的国家，例如中国，朝鲜或俄罗斯。 2024年，联邦调查局（FBI）报告了近11,000份投诉和2.46亿美元的损失，来自加密货币ATM骗局，老年人占受害者的三分之二。

A Nationwide Trend?

全国趋势？

Spokane's ban aligns with increasing regulatory scrutiny of crypto ATMs across the U.S. Other regions, like Wisconsin, have implemented guidelines to restrict transactions and boost oversight. Even Australia has set a A$5,000 limit on cash transactions to combat fraud. Spokane's outright prohibition could set a precedent for other municipalities grappling with similar issues.

斯波坎的禁令与在美国其他地区（例如威斯康星州）对加密自动柜员机的监管审查越来越多，已实施了限制交易和促进监督的指南。甚至澳大利亚也设定了5,000美元的现金交易限额来对抗欺诈。斯波坎的彻底禁令可能会为其他城市遇到类似问题的其他市政当局树立先例。

Unanswered Questions and Potential Overreach

未解决的问题和潜在的过度

While the intent is clear, questions remain about the ban's scope and effectiveness. Will it extend to pre-existing ATMs that primarily handle fiat currency but also offer crypto functionality? Will disabling the crypto features suffice, or will complete removal be required? Moreover, the city's police department is tasked with monitoring the ban's impact on local crypto crime. This data collection will be crucial in determining whether crypto ATMs are truly significant conduits for criminal activity or merely scapegoats. Councilman Zack Zappone stressed the urgency, stating, "These machines are used to victimize vulnerable communities, resulting in substantial financial losses."

尽管意图很明确，但有关禁令的范围和有效性仍然存在的问题。它会扩展到主要处理法定货币但也提供加密功能的预先存在的自动取款机吗？禁用加密功能就足够了，还是需要完全删除？此外，该市警察局的任务是监控禁令对当地加密犯罪的影响。该数据收集对于确定加密ATM是犯罪活动还是仅仅是替罪羊的真正重要管道至关重要。议员扎克·扎波恩（Zack Zappone）强调了紧迫性，并指出：“这些机器被用来伤害弱势社区，从而造成了巨大的财务损失。”

My Take: A Balancing Act

我的看法：平衡行为

Spokane's move is understandable given the alarming rise in crypto scams. Protecting vulnerable residents is paramount. However, an outright ban might be a blunt instrument. A more nuanced approach, focusing on stricter regulations, enhanced monitoring, and public awareness campaigns, could potentially strike a better balance between safeguarding citizens and allowing access to legitimate crypto services. For example, implementing mandatory ID verification for all crypto ATM transactions, similar to Know Your Customer (KYC) regulations in traditional finance, could deter scammers. Partnering with local community organizations to educate vulnerable populations about common crypto scams could also be a proactive measure.

鉴于加密骗局令人震惊，斯波坎的举动是可以理解的。保护弱势居民至关重要。但是，彻底的禁令可能是钝器。一种更细微的方法，重点是更严格的法规，增强的监控和公众意识运动，可能会在维护公民和允许获得合法的加密服务之间取得更好的平衡。例如，针对所有加密自动柜员机交易实施强制性ID验证，类似于了解传统金融中的客户（KYC）法规，可能会阻止骗子。与当地社区组织合作，教育脆弱的人群有关常见的加密骗局也可能是一个积极的措施。

The Future of Crypto in Spokane

斯波坎的加密未来

Whether Spokane's ban proves to be a game-changer or an overreaction remains to be seen. The data collected by the Spokane Police Department will be critical in assessing its true impact. In the meantime, if you're in Spokane and looking to dabble in crypto, you might have to dust off your laptop and embrace the online exchanges – at least for now. Who knows, maybe this will lead to even safer, more innovative ways to access the crypto world. Stay tuned, folks, because the crypto roller coaster never stops!

斯波坎的禁令是否被证明是改变游戏规则的人还是过度反应，还有待观察。斯波坎警察局收集的数据对于评估其真正影响至关重要。同时，如果您在斯波坎（Spokane）并希望涉足加密货币，那么至少目前，您可能不得不将笔记本电脑除尘并拥抱在线交流。谁知道，也许这将导致更安全，更具创新性的方式来访问加密货币世界。伙计们，请继续关注，因为加密过山车永远不会停止！