bitcoinatm

Nos Estados Unidos, uma investigação ativa está em andamento contra vários grandes operadores de caixas eletrônicos de Bitcoin (BTM). O Escritório de Combate a Drogas (DEA), o Departamento de Justiça (DOJ) e outras agências federais estão investigando as atividades dessas empresas em relação à violação das leis contra lavagem de dinheiro (AML) e financiamento ao terrorismo.

Bitcoin ATMs—often called BTMs—provide a physical way to buy and, in some cases, sell Bitcoin using cash or debit cards. They resemble traditional bank ATMs in appearance, but that’s where the similarity ends. Instead of connecting to a bank account, Bitcoin ATMs connect users directly to the cryptocurrency ecosystem.
For many first-time users, Bitcoin ATMs feel like a simple on-ramp into Bitcoin. However, that simplicity comes at a cost—primarily in the form of higher fees compared to online crypto platforms.
What Exactly Is a Bitcoin ATM?
A Bitcoin ATM is a physical kiosk typically placed in public locations such as shopping malls, convenience stores, gas stations, or airports. It allows users to buy Bitcoin—and sometimes other cryptocurrencies—by paying with cash or a debit card. Some machines also support selling Bitcoin in exchange for cash.
Unlike traditional ATMs, Bitcoin ATMs do not require a bank account. Instead, transactions are carried out through a crypto wallet, making it essential for users to have a wallet set up before using the machine.
How Bitcoin ATMs Work in Practice
The process of using a Bitcoin ATM is relatively straightforward.
To buy Bitcoin, users insert cash or pay by card, scan the QR code of their crypto wallet, and confirm the transaction. Once processed, the Bitcoin is sent directly to the specified wallet address and recorded on the blockchain.
If the machine supports selling, the process works in reverse. Users send Bitcoin from their wallet to an address displayed by the ATM. After sufficient blockchain confirmations, the machine releases cash. Since not all Bitcoin ATMs support selling, users should verify this feature beforehand.
The Real Cost: Fees and Limits
The biggest drawback of Bitcoin ATMs is cost.
Transaction fees typically range from 7% to 20%, significantly higher than most online crypto platforms. These fees are often embedded in the exchange rate shown on the machine, making them less obvious to users.
By comparison, online platforms generally charge much lower fees. On Binance, for example, deposit fees can range from zero to a few percent depending on the payment method and region, with peer-to-peer options often being even more cost-effective.
Bitcoin ATMs also impose transaction limits. Some require a minimum purchase amount, while others cap transactions at a few thousand dollars. Users should always check fee structures, limits, and machine credibility, as poorly maintained or misleading machines do exist.
Where Bitcoin ATMs Are Located
As global Bitcoin adoption has expanded, the number of Bitcoin ATMs has increased significantly. Tens of thousands are now operating worldwide, with the highest concentration in the United States.
Most machines are placed in everyday locations such as convenience stores, shopping centers, and transit hubs. To find nearby machines, users often rely on location-tracking services that list supported features and approximate fees.
Advantages and Drawbacks
Bitcoin ATMs are popular among beginners because they are easy to use and do not require navigating complex trading platforms. They are particularly useful for users who prefer cash-based transactions or want immediate access to Bitcoin without waiting for bank transfers.
However, the disadvantages are clear. High fees make them an expensive option, availability varies by region, and security risks exist. Cash-handling machines can attract fraud, and users must remain alert to avoid scams or fake ATMs.
Using a Bitcoin ATM: Step by Step
Before visiting a Bitcoin ATM, users should ensure they have a crypto wallet capable of displaying a QR code. At the machine, identity verification may be required, such as entering a phone number or scanning an ID, depending on local regulations and transaction size.
After scanning the wallet’s QR code, users follow on-screen instructions to insert cash or pay by card. Once the transaction is confirmed on the blockchain, the Bitcoin appears in the wallet. Confirmation times vary depending on network conditions.
Is a Bitcoin ATM the Right Choice?
Bitcoin ATMs prioritize convenience over cost efficiency. They can be useful for users who need quick, cash-based access to Bitcoin, but they are rarely the most economical option.
For most users—especially beginners—buying crypto through established online platforms is generally cheaper, safer, and more flexible. Bitcoin ATMs serve a purpose, but they are best viewed as a convenience tool rather than a primary method for acquiring Bitcoin.
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In the U.S., regulations for Bitcoin ATM operators are being strengthened due to a rise in fraud and money laundering. According to Axios on June 24, 2025, several states have implemented strict laws that limit deposit amounts and enhance oversight of cryptocurrency ATMs. This is a response to the use of such devices by fraudsters for extortion and illegal transactions.

Um grande jogador no mercado de terminais de criptomoedas anunciou oficialmente sua intenção de vender seu negócio. Esta decisão radical foi tomada pela administração da empresa em meio a um sério processo criminal aberto contra seu diretor executivo (CEO).
A pressão jurídica sobre a alta gestão paralisou efetivamente a administração estratégica da rede. As acusações, cujos detalhes ainda permanecem no foco da investigação, impossibilitam o desenvolvimento futuro da empresa sob a atual liderança. A venda de ativos é vista como um passo forçado para preservar a infraestrutura e minimizar as perdas para os stakeholders.

A Coinme, um operador de ATMs de criptomoeda com sede em Seattle, concordou em pagar uma multa de $300.000 por violar as regras da Califórnia que governam os limites de transação diários para quiosques de criptomoeda.
Uma lei aprovada em 2023 na Califórnia limita as transações em ATMs de criptomoeda a um máximo de $1.000 por cliente por dia. De acordo com o Departamento de Proteção e Inovação Financeira da Califórnia (DFPI), a Coinme excedeu esse limite e também falhou em incluir informações obrigatórias nos recibos emitidos aos clientes em seus quiosques localizados em supermercados e lojas de conveniência em todo o estado.