Haymakers

Illinois rules for crypto ATMs

Daily limits, an 18% cap, fraud refunds, a location list, and registration with IDFPR from 2027.

What the law requires of operators here:

• Daily limits: New customers: no more than $2,500 a day. Existing customers: no more than $10,500 a day.
• Fees: Charges per transaction capped at the greater of $5 or 18% of the digital assets, at market price when the customer starts.
• Refunds and holds: Full refund, on request, of up to three fraudulent transactions made in the new-customer period, if the customer tells you within 30 days and gives a police or government report within 60 days. Existing customers: refund of all charges on the same 30/60-day terms.

Not legal advice. Last checked October 28, 2026 against Digital Asset Kiosk Act, 205 ILCS 732 (2025). Sources: Illinois IDFPR: digital assets, IDFPR notice to digital asset businesses (Nov 10, 2025), 205 ILCS 732/25 (daily limits), 205 ILCS 732/30 (charges), 205 ILCS 732/45 (refunds)