Crypto ATM laws in Arkansas: a guide for operators (2026)

Licensing in Arkansas

Money transmitter license under the Arkansas Uniform Money Services Act (Ark. Code 23-55), administered by the Arkansas Securities Department. The UMSA has covered virtual currency since amendments in 2021 and 2023, with stated exclusions. Act 557 of 2025 added kiosk-specific rules (23-55-1008). CSBS lists Arkansas as a partial MTMA adopter (HB 1438, 2023).

Regulator: Arkansas Securities Department (Securities Commissioner) · License: Money transmitter license

Sources: ASD compiled Uniform Money Services Act, effective 2025-08-05 (includes 23-55-1008) · ASD compiled Money Services Act 2023 (virtual currency exclusions) · CSBS MTMA legislative update August 2026 (Arkansas partial, HB 1438 of 2023) (secondary)

Arkansas's kiosk law

Ark. Code 23-55-1008 (Act 557, 2025) · effective 2025-08-05

• Before a customer's first transaction, the operator must disclose all material risks of virtual currency in clear writing, in English and in the language the operator advertises in.
• The terms shown must include the amount, fees and exchange rates, the type of transaction, a warning that it may not be undone, the daily limit, and the gap between the sale price and the market price. The customer must acknowledge all disclosures.
• After each transaction, the operator must give a receipt with its name, business address and customer service phone number, plus the transaction details. The receipt may be electronic if the customer agrees.
• Total fees and commission may not exceed '$5.00; or 18 percent' of the transaction. The statute does not say which of the two governs.
• The daily limit is $2,000 for a new customer and $7,500 for an existing customer.
• A new customer can cancel and get a full refund of fraudulent transactions made within 72 hours of registering. They must notify the operator and a government or law-enforcement agency, and file a report, within 14 days of the last transaction in that window.
• The operator must keep a copy of each customer's government ID and must stop more than one customer from using the same wallet.
• Licensees and authorized delegates must post a fraud warning with a toll-free number to report fraud.

Sources: Act 557 of 2025 (HB1467) text · ASD compiled UMSA effective 2025-08-05 · ASD release on Act 557 and consumer flyer

Enforcement and lawsuits

• ASD entered a Consent Agreement and Order suspending the license of Bitcoin Depot Operating LLC (date and grounds unconfirmed; the listing snippet is cut off at 'due to failure...').
• After Bitcoin Depot's Chapter 11 filing (May 2026), ASD said 19 Arkansas consumers are owed $33,312 in refunds, ranging from $382 to $7,500. Bitcoin Depot ran at least 92 machines in Arkansas.

Practical hurdles

• The fee cap is ambiguous ('$5.00; or 18 percent'), so operators should get the ASD's reading before setting a fee schedule.
• The ASD actively tracks refunds owed to scam victims, as with Bitcoin Depot.

What we couldn't confirm

• Date and terms of the ASD consent order against Bitcoin Depot. we couldn't open the page because the fetch budget ran out.
• Act 557 effective date. we used 2025-08-05, the date on ASD's compiled UMSA and the general effective date for 2025 acts; we didn't see an act-specific date.
• Whether Arkansas law requires live support hours, location reporting, a compliance officer or blockchain analytics. None appeared in the excerpts we saw.
• No 2026 bills or local bans were found.