{"id":37858,"date":"2026-06-24T17:45:25","date_gmt":"2026-06-24T15:45:25","guid":{"rendered":"https:\/\/crystalintelligence.com\/?p=37858"},"modified":"2026-06-24T17:46:05","modified_gmt":"2026-06-24T15:46:05","slug":"floridas-crypto-market-regulation-and-crime","status":"publish","type":"post","link":"https:\/\/crystalintelligence.com\/thought-leadership\/floridas-crypto-market-regulation-and-crime\/","title":{"rendered":"Florida\u2019s crypto market: regulation and crime"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"37858\" class=\"elementor elementor-37858\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fab6ffa e-con-full e-flex e-con e-parent\" data-id=\"2fab6ffa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c6a4f1b elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"3c6a4f1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"40\" height=\"40\" data-src=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/03\/Blog-Icon.svg\" class=\"attachment-full size-full wp-image-36274 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 40px; 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--smush-placeholder-aspect-ratio: 36\/36;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5e4cdf e-con-full e-flex e-con e-child\" data-id=\"e5e4cdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35ecbf8c elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"35ecbf8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-75ab97c elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tUpdated on: June 24, 2026\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a1e9bb8 e-con-full e-flex e-con e-parent\" data-id=\"6a1e9bb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4524985b e-con-full e-flex e-con e-child\" data-id=\"4524985b\" data-element_type=\"container\" data-e-type=\"container\" id=\"content-container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c198745 elementor-widget elementor-widget-text-editor\" data-id=\"c198745\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #333333;\">Florida\u2019s role in the national crypto story is distinct. Where New York supplies the regulated institutional perimeter, Florida supplies the policy and adoption frontier. The state has no personal income tax, a first-in-the-nation state\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.flgov.com\/eog\/news\/press\/2023\/governor-ron-desantis-signs-first-nation-legislation-protect-against-government\">ban<\/a>\u00a0on central bank digital currency use, and a Governor\u2019s office that has explicitly courted the digital asset sector. Miami, in particular, has matured from the 2021\u00a0<a style=\"color: #333333;\" href=\"https:\/\/refreshmiami.com\/news\/crypto-keeps-building-in-miami-and-investors-are-paying-attention\/\">crypto-friendly novelty<\/a> phase into a sustained institutional hub, anchored by Citadel Securities, Hut8,\u00a0MoonPay and the annual Consensus Miami conference.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Key takeaways<\/span><\/h2><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span style=\"color: #333333;\">Florida regulates crypto through its Chapter 560 money transmitter framework, not a bespoke license. Since January 2023, custodial intermediaries handling virtual currency for Florida residents must hold a state license.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span style=\"color: #333333;\">HB 505, the virtual currency kiosk bill, passed the Florida legislature in March 2026. If signed, it takes effect July 1, 2026, requiring kiosk operators to hold money transmitter licenses.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span style=\"color: #333333;\">Florida became the first US state to exclude federal CBDC from its legal definition of money. SB 7054, signed in May 2023, also bans all foreign-issued digital currencies in commerce.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span style=\"color: #333333;\">Florida ranked third nationally in crypto-related losses in 2025, with residents reporting $914.5 million in losses. Its large retiree population, permissive licensing regime, and ATM footprint drive this elevated exposure.\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Florida State at a glance\u00a0<\/span><img decoding=\"async\" class=\"alignnone size-large wp-image-37862 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/952;font-size: 16px;\" data-src=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-scale-1-1024x952.png\" alt=\"florida crypto landscape\" width=\"1024\" height=\"952\" data-srcset=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-scale-1-1024x952.png 1024w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-scale-1-300x279.png 300w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-scale-1-768x714.png 768w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-scale-1-1536x1428.png 1536w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-scale-1-2048x1904.png 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" \/><\/h2><p><span style=\"color: #333333;\">\u00a0Located in the southeastern United States, Florida has an estimated\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.census.gov\/quickfacts\/FL\">population<\/a>\u00a0of approximately 23.5 million, making it the third-most populous state in the country and accounting for approximately 6.9% of the US population. Its 2024\u00a0<a style=\"color: #333333;\" href=\"https:\/\/en.wikipedia.org\/wiki\/Economy_of_Florida\">GDP<\/a>\u00a0of $1.726Tn makes it the fourth-largest state economy in the US, accounting for approximately 6% of total US GDP: If it were an independent nation, it would rank as the world\u2019s fifteenth-largest economy by nominal GDP, ahead of Spain and behind South Korea.\u00a0The state\u00a0has a\u00a0large, fast-growing population with high\u00a0retiree\u00a0and high-net-worth migration. The combined effect is a market with material absolute crypto adoption and disproportionate exposure to age-targeted investment fraud.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Florida Attorney General James Uthmeier,\u00a0in\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.consumerfinanceinsights.com\/2025\/07\/10\/florida-ag-launches-investigation-into-crypto-platform\/\">announcing<\/a>\u00a0a Florida Deceptive and Unfair Practices\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.myfloridalegal.com\/consumer-protection\/what-florida-law-provides\">Act<\/a>\u00a0investigation into a national crypto and stock trading platform in July 2025, framed the\u00a0state\u2019s\u00a0posture directly: Florida wants digital asset\u00a0businesses, but consumer protection enforcement against misleading promotions will remain\u00a0active. The Cyber Fraud Enforcement Unit\u00a0established\u00a0under his predecessor, Ashley Moody,\u00a0has continued\u00a0operating\u00a0throughout 2025 and 2026,\u00a0after\u00a0<a style=\"color: #333333;\" href=\"https:\/\/cbs12.com\/news\/local\/florida-ag-unit-dismantles-six-cyber-schemes-seized-24m-in-cryptocurrency-grandparent-scammers-to-identity-thieves-south-florida-news-january-2-2025\">seizing approximately $2.4M<\/a>\u00a0in stolen\u00a0crypto\u00a0in 2024 alone.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Crypto regulation in Florida\u00a0<\/span><\/h2><p><span style=\"color: #333333;\">Florida regulates virtual currency primarily through its money services business framework rather than through a bespoke digital asset license.\u00a0<a style=\"color: #333333;\" href=\"https:\/\/law.justia.com\/codes\/florida\/title-xxxiii\/chapter-560\/\">Chapter 560<\/a>\u00a0of the\u00a0Florida Statutes, concerning money services businesses,\u00a0provides\u00a0the primary\u00a0legislative guidance,\u00a0and is\u00a0administered by the\u00a0<a style=\"color: #333333;\" href=\"https:\/\/regulations.justia.com\/states\/florida\/69\/69t\/\">Florida Office of Financial Regulation<\/a>\u00a0(OFR).\u00a0<\/span><\/p><p><span style=\"color: #333333;\">The framework was\u00a0substantially modernized\u00a0by\u00a0<a style=\"color: #333333;\" href=\"https:\/\/digitalpolicyalert.org\/change\/2320-florida-act-relating-to-money-services-businesses-hb-273\">CS\/HB 273<\/a>, signed by Governor Ron DeSantis on May 12, 2022, and effective January 1, 2023. The bill added\u00a0\u201cvirtual currency\u201d\u00a0to the statutory definition of money\u00a0transmission and\u00a0crucially narrowed the licensing trigger: a money transmitter license is required only where a person acts\u00a0\u201cas an intermediary to transmit virtual currency from one person to another location or person\u201d\u00a0and has the ability to unilaterally execute or indefinitely prevent a transaction. The\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.gtlaw.com\/en\/insights\/2022\/5\/florida-gov-signs-bill-defines-virtual-currency-eases-licensing-restrictions-virtual-currency\">Greenberg Traurig analysis<\/a>\u00a0of the bill described this as an explicit easing of the licensing burden on non-custodial crypto operators in Florida.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Florida\u2019s posture on central bank digital currency is unique among US states. In May 2023, Governor DeSantis signed\u00a0<a style=\"color: #333333;\" href=\"https:\/\/digitalpolicyalert.org\/event\/11387-adopted-central-bank-digital-currency-bill-sb-7054\">SB 7054<\/a>, the first-in-the-nation legislation explicitly excluding federally adopted CBDC from the definition of \u201cmoney\u201d under Florida\u2019s Uniform Commercial\u00a0Code and\u00a0prohibiting the use of foreign-issued CBDC. The Governor&#8217;s office\u00a0<a style=\"color: #333333;\" href=\"https:\/\/floridapolitics.com\/archives\/611751-blockchain-blocked-gov-desantis-signs-bill-to-ban-central-bank-digital-currencies\/\">framed<\/a>\u00a0the law as consumer protection against government surveillance of personal finances.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Florida does not\u00a0maintain\u00a0a bespoke virtual currency license analogous to New York&#8217;s\u00a0BitLicense. The combined effect of HB 273 and SB 7054 is a permissive but bounded framework: licensed money transmission for custodial intermediaries, lighter touch for non-custodial operations, and an explicit policy preference for non-state digital assets over government-issued CBDC.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Live obligations and deadlines\u00a0<\/span><\/h2><p><span style=\"color: #333333;\">Money transmitter obligations under Chapter 560 are continuous: a custodial intermediary handling virtual currency for Florida residents has needed an OFR-administered money transmitter license since January 1, 2023, when the HB 273 amendments took effect.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">The most consequential near-term development is\u00a0<a style=\"color: #333333;\" href=\"https:\/\/floridapolitics.com\/archives\/784938-legislature-passes-virtual-currency-kiosks-measure\/\">CS\/HB 505<\/a>, the Virtual Currency Kiosk\u00a0Measure. It passed both chambers of the Florida Legislature and was ordered engrossed and enrolled on March 12,\u00a02026,\u00a0and sent\u00a0to Governor DeSantis for signature. If signed without modification, the bill\u00a0would take\u00a0effect\u00a0on\u00a0July 1,\u00a02026,\u00a0and expand the Chapter 560 definition of money services business to include virtual currency kiosk operators, regardless of whether they act as intermediaries or\u00a0facilitate\u00a0peer-to-peer transactions.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">The operational thresholds\u00a0will\u00a0likely be\u00a0$2,000 per day for new customers\u00a0and\u00a0$10,000 per day for existing customers\u00a0(recently\u00a0amended upwards). Additionally,\u00a0electronic\u00a0and printed receipts at the point of sale\u00a0will be mandatory, along with\u00a0disclosure of operator contact information and\u00a0the\u00a0refund policy. The bill exempts kiosk-only operators from application and renewal fees.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Concurrent federal deadlines apply to Florida-licensed entities. The\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/senate-bill\/394\">GENIUS Act<\/a>\u00a0requires federal and state\u00a0regulators to issue\u00a0final stablecoin implementing regulations by July 18, 2026, which directly affects any Florida money transmitter\u00a0that issues or handles\u00a0stablecoins.\u00a0Meanwhile, the\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/house-bill\/3633\">CLARITY Act,<\/a>\u00a0passed by the House of Representatives in July 2025 and cleared by the\u00a0Senate Banking Committee in May 2026,\u00a0still awaits\u00a0full Senate approval and the\u00a0President\u2019s\u00a0signature, which had been slated for July 2026, but has\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.yahoo.com\/news\/politics\/articles\/clarity-act-ethics-talks-stall-104040825.html\">experienced headwinds<\/a>.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Applications for new Florida money transmitter authorization are\u00a0submitted\u00a0through the\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.csbs.org\/nationwide-multistate-licensing-system-nmls\">Nationwide Multistate Licensing System<\/a>\u00a0(NMLS). Application and licensing fees, surety bond requirements, and net worth thresholds are set under\u00a0<a style=\"color: #333333;\" href=\"https:\/\/law.justia.com\/codes\/florida\/title-xxxiii\/chapter-560\/part-i\/section-560-1401\/\">Chapter 560.1401, Florida Statutes<\/a>, and processing varies depending on application complexity.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Crypto adoption rates\u00a0in Florida\u00a0<\/span><\/h2><p><span style=\"color: #333333;\">Florida\u2019s\u00a0reported crypto adoption is high in absolute terms and middle of the pack\u00a0per household, reflecting the state&#8217;s overall demographic profile. 2022 Internal Revenue Service\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.irs.gov\/pub\/irs-soi\/22rpwhosellscrypto.pdf\">tax data<\/a>\u00a0analyzed by\u00a0<a style=\"color: #333333;\" href=\"https:\/\/smartasset.com\/data-studies\/bitcoin-cryptocurrency-adoption-2025\">SmartAsset<\/a>\u00a0recorded 1.97% of Florida households (approximately\u00a0219,330\u00a0households) submitting returns indicating digital asset involvement, placing Florida as\u00a0the eighth most crypto-tax-compliant state in the United States, behind Washington (2.43%), Utah (2.36%), California (2.25%), Colorado (2.17%), New Jersey (2.15%), Alaska (2.07%), and ahead of New York (1.94%).\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Meanwhile, the\u00a0<a style=\"color: #333333;\" href=\"https:\/\/nca.org\/\">National Cryptocurrency Association<\/a>\u00a02026\u00a0Annual\u00a0State of Crypto Holders\u00a0<a style=\"color: #333333;\" href=\"https:\/\/nca.org\/2026%20Annual%20State%20of%20Crypto%20Holders%20Report.pdf#page=8\">report<\/a>\u00a0found that\u00a038% of American crypto holders\u00a0resided\u00a0in the\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.census.gov\/library\/stories\/state-by-state\/south-region.html\">sixteen-state South region<\/a>, of which Florida is by far the most populous.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Miami specifically has built\u00a0a\u00a0<a style=\"color: #333333;\" href=\"https:\/\/refreshmiami.com\/news\/crypto-keeps-building-in-miami-and-investors-are-paying-attention\/\">self-sustaining crypto ecosystem<\/a>\u00a0anchored\u00a0by major venues such as the annual Bitcoin Conference and\u00a0<a style=\"color: #333333;\" href=\"https:\/\/consensus.coindesk.com\/\">Consensus Miami 2026<\/a>, which drew over 20,000 senior leaders from crypto, finance, and policy. Institutional anchors,\u00a0including Citadel Securities, Hut8, and\u00a0MoonPay, plus active local capital from Borderless Capital,\u00a0Nyca, Founders Fund, and a wave of South Florida family offices, have moved the city from speculative novelty to a sustained scale-up phase.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Key trading infrastructure available to Floridians\u00a0<\/span><\/h2><p><span style=\"color: #333333;\">The combined effect of\u00a0Florida\u2019s\u00a0permissive licensing posture,\u00a0its lack of state income tax, and its large, affluent population\u00a0yields\u00a0unusually broad market access. Floridians enjoy access to:\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span style=\"color: #333333;\"><b>All major US-based crypto exchanges:<\/b>\u00a0Coinbase, Kraken, Gemini, Robinhood Crypto,\u00a0Bitstamp\u00a0USA,\u00a0bitFlyer\u00a0USA,\u00a0Binance.US, and others. Unlike New York, Florida is not excluded from any major\u00a0exchange\u2019s\u00a0service map. The\u00a0state\u2019s\u00a0lighter licensing burden under HB 273 means most exchanges that withdrew from New York continue serving Florida residents.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span style=\"color: #333333;\"><b>Peer-to-peer trading marketplaces:<\/b>\u00a0LocalCoinSwap,\u00a0Bisq, HODL\u00a0HODL, and Binance peer-to-peer. Operators\u00a0facilitating\u00a0commercial peer-to-peer activity with Florida residents\u00a0remain\u00a0subject to the Chapter\u00a0560\u00a0intermediary analysis.\u00a0Paxful, previously a dominant US peer-to-peer venue, closed its core service in 2023.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span style=\"color: #333333;\"><b>Over-the-counter\u00a0(OTC) desks:<\/b>\u00a0Galaxy Digital OTC, Cumberland (DRW), Coinbase Prime, Circle Trade, Fidelity Digital Assets, and B2C2 USA, among others,\u00a0operating\u00a0under Florida money transmitter authorization or federal trust charter. Miami specifically hosts a concentration of high-net-worth OTC desk activity.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span style=\"color: #333333;\"><b>Crypto ATMs:<\/b>\u00a0Florida hosts one of the largest crypto kiosk footprints in the United States.\u00a0<a style=\"color: #333333;\" href=\"https:\/\/coinatmradar.com\/state\/10\/bitcoin-atm-florida\/\">Coin ATM Radar<\/a>\u00a0tracks several thousand operating kiosks across the state from operators including Bitcoin Depot,\u00a0CoinFlip,\u00a0RockItCoin, Byte Federal (111 Florida locations),\u00a0Cryptobase\u00a0(84 locations across eight cities), and Americas Bitcoin ATM, while the\u00a0nationwide non-profit that advocates on behalf of older adults, the\u00a0American Association\u00a0of Retired Persons (AARP),\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.aarp.org\/states\/florida\/aarp-florida-department-of-law-enforcement-crypto-atm-scams\/#:~:text=Florida%20has%20more%20than%203%2C100%20crypto%20ATMs%20operating%20statewide%2C%20and%20these%20machines%20are%20not%20licensed%20or%20regulated%20by%20the%20state.\">claims<\/a>\u00a0there are 3,100 crypto ATMs\u00a0operating in the state. The pending HB 505 framework would bring all of these under explicit OFR authorization from July 1, 2026, with\u00a0the\u00a0per-day transaction caps\u00a0noted\u00a0previously.\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span style=\"color: #333333;\"><b>Crypto-focused banking services:<\/b>\u00a0Florida-chartered institutions have built measurable digital asset capability post the 2023 closure of Signature Bank and wind-down of Silvergate. Custody and banking infrastructure for Florida-based crypto firms is primarily provided by federally chartered trust companies (Paxos Trust, Anchorage Digital, BitGo Trust) alongside Florida community banks that have developed niche\u00a0capabilities. Florida has not, to date, produced an analog to New\u00a0York\u2019s\u00a0NYDFS-chartered limited-purpose trust company regime.\u00a0<\/span><\/li><\/ul><h2 aria-level=\"2\"><span style=\"color: #333333;\">Florida&#8217;s crypto-based crime profile\u00a0<\/span><\/h2><p aria-level=\"2\"><span style=\"color: #333333;\"> <img decoding=\"async\" class=\"alignnone size-large wp-image-37863 lazyload\" data-src=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-crime-1-1024x629.png\" alt=\"florida crypto crime graph 2026\" width=\"1024\" height=\"629\" data-srcset=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-crime-1-1024x629.png 1024w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-crime-1-300x184.png 300w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-crime-1-768x471.png 768w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-crime-1-1536x943.png 1536w, https:\/\/crystalintelligence.com\/rohirov\/2026\/06\/florida-crime-1-2048x1257.png 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/629;\" \/><\/span><\/p><p><span style=\"color: #333333;\">In 2025, Florida ranked third in the United States by reported crypto-linked losses, behind only California and Texas. According to the\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.ic3.gov\/AnnualReport\/Reports\/2025_IC3Report.pdf\">FBI Internet Crime Report<\/a>\u00a0for 2025, Florida residents reported approximately $914.5M\u00a0in crypto-related losses, a substantial year-over-year increase consistent with the nationwide trend.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">The report also\u00a0<a style=\"color: #333333;\" href=\"https:\/\/therecord.media\/texas-florida-top-list-of-crypto-atm-scam-losses#:~:text=Florida%20was%20next%20with%201%2C213%20reports%20and%20%2432.7%20million%20in%20losses.\">recorded<\/a>\u00a01,213 crypto kiosk-specific complaints and $32.7M\u00a0in kiosk-linked losses in Florida, placing the state\u00a0second\u00a0nationally for\u00a0crypto\u00a0ATM and kiosk fraud.\u00a0With\u00a0several thousand\u00a0crypto ATMs, this prompted a combined\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.aarp.org\/states\/florida\/aarp-florida-department-of-law-enforcement-crypto-atm-scams\/\">warning<\/a>\u00a0to Floridians from the\u00a0AARP\u00a0and\u00a0the\u00a0Florida Department of Law Enforcement (FDLE)\u00a0in\u00a0February\u00a02026.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Nationally, crypto-linked fraud losses reached a record $11.366B\u00a0in 2025 across 181,565 complaints, a 21% year-over-year increase. Florida&#8217;s share of total US crypto losses is approximately 8%, proportional to its share of US GDP and\u00a0roughly in\u00a0line with its population share.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Floridians 60 and older were disproportionately affected, consistent with the national IC3 finding that Americans 60 and older filed 44,555 crypto-related complaints with $4.4B\u00a0in losses, the largest share of any age cohort. The AARP has separately, and significantly,\u00a0<a style=\"color: #333333;\" href=\"https:\/\/www.aarp.org\/states\/florida\/florida-house-bill-505-virtual-currency-kiosks\/\">supported<\/a>\u00a0the HB 505\u2019s\u00a0kiosk transaction caps, which it believes will mitigate Floridians\u2019 losses in this category.\u00a0Florida\u2019s\u00a0status as the\u00a0nation\u2019s\u00a0largest retirement destination makes this demographic exposure structurally elevated\u00a0relative\u00a0to most other states.\u00a0<\/span><\/p><p><span style=\"color: #333333;\">Some\u00a0possible reasons\u00a0for the elevated absolute loss figures in Florida:\u00a0<\/span><\/p><ol><li><span style=\"color: #333333;\"><b> Investment fraud (pig butchering) targeting wealthy retirees. <\/b>Florida hosts the largest retiree population in the United States and a high concentration of high-net-worth individuals along the Gulf and Atlantic coasts. Thestate\u2019s\u00a0large,\u00a0affluent senior population is the single best-fit profile for sustained relationship-based investment fraud, which has dominated the IC3 crypto category for three consecutive years.\u00a0<\/span><\/li><li><span style=\"color: #333333;\"><b> The crypto ATM exposure<\/b>. Florida\u2019s large kiosk footprint is a double-edged sword for consumer protection. The same scale that makes crypto accessible to the unbanked also delivers a delivery channel for scam-directed cash deposits, with Florida posting some of the highest per-capita kiosk losses in the country in 2025. HB 505 is, in part, a direct policy response to this pattern.\u00a0<\/span><\/li><li><span style=\"color: #333333;\"><b>Tourist and short-term resident. <\/b>Florida\u2019s\u00a0high seasonal and tourist population creates a transient consumer base that is harder to\u00a0reach through long-form education campaigns and\u00a0is more likely to use unfamiliar kiosks, exchanges, or peer-to-peer venues during short stays. This is a structural feature unique among the top-loss states.\u00a0<\/span><\/li><\/ol><p><span style=\"color: #333333;\">Florida\u2019s loss profile is the predictable interaction of three structural factors:\u00a0a very large\u00a0and affluent senior population, a permissive market-access regime, and\u00a0among\u00a0the largest crypto kiosk footprints\u00a0in the country.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Frequently asked questions\u00a0<\/span><\/h2><p><span style=\"color: #333333;\"><b>Does Florida require a license to\u00a0operate\u00a0a crypto exchange?<\/b>\u00a0Florida does not have a bespoke crypto license. Custodial intermediaries that\u00a0transmit\u00a0virtual currency between parties must hold a money transmitter license under Chapter 560 of the Florida Statutes, administered by the Office of Financial Regulation. Non-custodial operators face a lighter licensing burden under the HB 273 amendments, which took effect January 1, 2023.\u00a0<\/span><\/p><p><span style=\"color: #333333;\"><b>What is HB 505 and when does it take effect?<\/b>\u00a0HB 505 is the Virtual Currency Kiosk bill, passed by the Florida legislature in March 2026. If signed by the Governor, it takes effect July 1, 2026, and brings all crypto ATM and kiosk operators under the Chapter 560 licensing framework, with transaction caps of $2,000 per day for new customers and $10,000 per day for existing customers.\u00a0<\/span><\/p><p><span style=\"color: #333333;\"><b>Can CBDC be used in Florida?<\/b>\u00a0Federal CBDC is excluded from the legal definition of money under Florida law. SB 7054, signed in May 2023, was the first legislation of its kind in the United States. It also prohibits the use of foreign-issued CBDC in the state.\u00a0<\/span><\/p><p><span style=\"color: #333333;\"><b>Why does Florida have such high crypto fraud losses?<\/b>\u00a0Florida ranked third nationally in 2025 with $914.5 million in reported crypto losses. Three structural factors drive this: the largest retiree population in the US, one of the largest crypto ATM footprints in the country, and a permissive market-access regime that makes Florida one of the most accessible large crypto markets in the United States.\u00a0<\/span><\/p><p><span style=\"color: #333333;\"><b>What federal deadlines apply to Florida-licensed crypto operators?<\/b>\u00a0Florida money transmitters that issue or handle stablecoins must\u00a0comply with\u00a0the GENIUS Act, which requires final stablecoin implementing regulations by July 18, 2026. The CLARITY Act,\u00a0meanwhile, awaits full Senate approval and the Presidential signature to come into force.\u00a0<\/span><\/p><p><span style=\"color: #333333;\"><b>Are all major crypto exchanges available to Florida residents?<\/b>\u00a0Yes. Unlike New York, Florida is not excluded from any major\u00a0exchange\u2019s\u00a0service map. Coinbase, Kraken, Gemini, Robinhood Crypto,\u00a0Bitstamp\u00a0USA, and Binance.US all serve Florida residents. Florida&#8217;s lighter licensing burden means exchanges that withdrew from New York have continued\u00a0operating\u00a0in the state.\u00a0<\/span><\/p><h2 aria-level=\"2\"><span style=\"color: #333333;\">Conclusions for\u00a0Florida\u2019s\u00a0crypto industry\u00a0<\/span><\/h2><p><span style=\"color: #333333;\">Florida occupies an unusual position in U.S. crypto regulation: genuinely open to digital asset business, active on consumer enforcement, and now facing two consequential federal deadlines in a single month. For compliance teams, the July 2026 window requires an honest review of licensing status and\u00a0stablecoin\u00a0obligations. For law enforcement and regulators, the state&#8217;s crime profile demands ongoing resources focused on its most common fraud schemes.\u00a0The state is neither\u00a0failing to enforce\u00a0nor falling behind: it is bearing the natural consequences of being one of the most accessible large crypto markets in the United States.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ac455ac e-con-full e-flex e-con e-child\" data-id=\"4ac455ac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1fc934 elementor-widget elementor-widget-text-editor\" data-id=\"e1fc934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW176908487 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW176908487 BCX0\">Whether\u00a0<\/span><span class=\"NormalTextRun SCXW176908487 BCX0\">you&#8217;re<\/span><span class=\"NormalTextRun SCXW176908487 BCX0\">\u00a0managing licensing obligations under the GENIUS Act or investigating crypto fraud in one of the US&#8217;s most open markets, Crystal Intelligence has you covered. Our blockchain analytics tools give compliance teams, law enforcement, and regulators everything they need to act on their findings.<\/span><span class=\"NormalTextRun SCXW176908487 BCX0\">\u00a0<\/span><\/span><a class=\"Hyperlink SCXW176908487 BCX0\" href=\"https:\/\/crystalintelligence.com\/get-crystal\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined MacChromeBold SCXW176908487 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW176908487 BCX0\" data-ccp-charstyle=\"Hyperlink\">Request a demo today.<\/span><\/span><\/a><span class=\"EOP Selected SCXW176908487 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:80,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea264d3 elementor-widget elementor-widget-image\" data-id=\"4ea264d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/crystalintelligence.com\/resources\/south-korea-report\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"220\" data-src=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/05\/19.png\" class=\"attachment-full size-full wp-image-37229 lazyload\" alt=\"south korea report\" data-srcset=\"https:\/\/crystalintelligence.com\/rohirov\/2026\/05\/19.png 1200w, https:\/\/crystalintelligence.com\/rohirov\/2026\/05\/19-300x55.png 300w, https:\/\/crystalintelligence.com\/rohirov\/2026\/05\/19-1024x188.png 1024w, https:\/\/crystalintelligence.com\/rohirov\/2026\/05\/19-768x141.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/220;\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2748d733 e-con-full e-flex e-con e-child\" data-id=\"2748d733\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-39ddb0c e-con-full e-flex e-con e-child\" data-id=\"39ddb0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:150,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky_on&quot;:[&quot;widescreen&quot;,&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet_extra&quot;,&quot;tablet&quot;,&quot;mobile_extra&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-7d7372e7 e-con-full e-flex e-con e-child\" data-id=\"7d7372e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22947731 elementor-widget elementor-widget-heading\" data-id=\"22947731\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Summarize with 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data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<div class=\"elementor-toc__header-title\">\n\t\t\t\tOn this page\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__69e5304e\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button 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Where New York supplies the regulated institutional perimeter, Florida supplies the policy and adoption frontier. The state has no personal income tax, a first-in-the-nation state\u00a0ban\u00a0on central bank digital currency use, and a Governor\u2019s office that has explicitly courted the digital [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":37859,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[26,15],"tags":[],"class_list":["post-37858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-regulations","category-thought-leadership"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.6 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Florida Crypto Regulation: Crime, Licensing &amp; Risk in 2026<\/title>\n<meta name=\"description\" content=\"Florida regulates crypto through its money transmitter framework. 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