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North Carolina crypto ATM law starts January 1, 2027

From January 1, 2027: license, daily limits, a 12% cap, an interactive fraud screen, 48-hour holds for new customers and quarterly location reports.

What the law requires of operators here:

• Daily limits: $2,000 a day for a new customer (no prior transactions, or a first one in the last 30 days) and $5,000 a day for an existing customer.
• Fees: Aggregate fees and charges capped at 12% of the dollar value.
• Refunds and holds: A 48-hour hold on transactions by customers whose first transaction was in the last 7 days; an interactive fraud screen that ends the transaction if the warning applies and can't be bypassed.
• Refunds and holds: Full refund for a new customer, or a refund of your fees for an existing one, when the customer reported to the Commissioner within 30 days and the Commissioner found fraud.

Not legal advice. Last checked October 28, 2026 against Virtual Currency Kiosk Consumer Protection Act (S.L. 2026-45). Sources: N.C. Session Law 2026-45 (H920), legislative summary