Crypto ATM laws in West Virginia: a guide for operators (2026)
West Virginia's kiosk law has applied since March 14, 2026: $1,000 a day for new customers, paper receipts, bold warnings, new-customer refunds and compliance staff.
Kiosk law in force · Last checked
Esta guía todavía está solo en inglés.
Licensing in West Virginia
HB 5353 (2026) brought kiosk ownership and operation within money transmission licensure under W. Va. Code 32A-2 and treats kiosks as delegates of a money transmission licensee.
Regulator: West Virginia Division of Financial Institutions · License: Money transmitter license
Sources: W. Va. HB 5353 (2026) introduced text · W. Va. Code 32A-2-2
West Virginia's kiosk law
W. Va. Code § 32A-2-8c (HB 5353, 2026) · effective 2026-03-14. Daily limits, bold warnings, paper receipts, new-customer fraud refunds, live support and compliance staff.
- $1,000 a day for each new customer and $10,000 a day for each existing customer.
- A separate, acknowledged, bold warning that "LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE," with other risk disclosures, some in 24-point type.
- A written paper receipt after each transaction (electronic only if the customer asks), including the Division of Financial Institutions' name and phone number.
- New customers may request a full refund for fraudulent transactions made within 10 days of registering, if within 30 days after the last one they contact you and an agency and file a report.
- Live phone support during kiosk hours; government ID copies; blockchain analysis by a third party; enhanced due diligence with holds up to 72 hours; a chief compliance officer owning no more than 20%.
Sources: W. Va. Code § 32A-2-8c · W. Va. HB 5353 (2026) bill history
Also in the law, and recent changes
- HB 5353 passed effective from passage on 2026-03-14 and was signed (Legislature bill history).
Sources: W. Va. HB 5353 bill history
Practical hurdles
- Scam pressure context: FBI IC3 counted 63 crypto-kiosk complaints from this state in 2025 with $2,293,341 in adjusted losses (FBI notes losses may include non-kiosk transactions).
What we couldn't confirm
- The bill designates a start date for kiosk licensure; we did not read the enrolled text for that date.
- MTMA status and NMLS use.
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