कॉइनमी पर $300K का जुर्माना

पालन-प्रणाली महंगी हो सकती है, कोड से ज्यादा

मैं मैनहट्टन में सुबह के कॉफी पीते हुए, सुना: कॉइनमी, एक प्रमुख क्रिप्टो ATM संचालक, 1,000\( प्रति मुफ़्त-दिन (Daily Limit) हद से प्रति ग्राहक 300,000\) मेंज़्योलवेंट (Penalty) में सहमत हुआ। हैक हुआ? नहीं —बस ‘अवहेलना’।

और मज़ेदार हिस्सा: ATM पर ‘प्रस्तुत’ (Receipts) पर आवश्यक-उल्लेख (Disclosures) -गई।

यह मतलब:उपभोक्ताओं ko pata bhi nahi chala ki woh ek ‘विनियमन-अज्ञात’ (Regulatory Blind Spot) me kadam rakhe.

मानव-लागत:जुर्माने के पीछे

समझौते में $51,700 एक 72-वर्षीय Cali. महिला (elderly Californian) ke liye diya gaya jisne Coinme machine se fraud hone ke baad uska paise chura liya tha।

Ye number kisi blockchain metric se zyada dard deta hai.

Yeh ek aam insaan tha jo apni zindagi ka paisa nikalne ke liye ek aise ATM mein ghusa jismein lagta tha safe… lekin asli oversight nahi thi.

Main soch raha tha — kitne aur log is tarah ke machines use kar rahe honge bina jaane ki wo regulatory gray zone mein khade hain?

CA Ke Badle USA Me Kya Hua?

California regulations ko enforce kar raha hai — lekin iska prabhav poore US crypto ecosystem par padta hai।

ATMs ko ‘instant access’ tools ke roop me bechna jata hai — retail users ke liye jo exchanges ya wallets nahi chahte.

Lekin yeh samajhna zaroori hai: KYC/AML transparency ki kami iske prime targets banati hai abuse ke liye। Jb regulators (DFPI) step in karte hain — toh sirf companies hi suffer nahi karti — users trust kho dete hain.

Har baar jab operator Coinme jaise kisi point pe disclosure ya limit enforcement chhodta hai — hum decentralized finance ki foundation ko kamzor kar rahe hote hain: accountability.

Chhupi Hui Khatra: FOMO vs Regulatory Black Hole

Main dekhta hoon traders ko wild abandon me new coins mein jump karte hue — FOMO unhe obscure DeFi projects ya meme tokens pe le jaata hai jo unlicensed ATMs se bechte hain。 Lekin jab aap ek aisa cheez kharidte ho jo properly regulated nahi hai? Paisa gayab ho gaya toh refund nahi milti? Insurance? Recourse? Nahi. Coinme ka fine ek red flag hona chahiye: agar aapki crypto access point basic laws follow nahi karti — toh aap sirf digital assets nahein khareed rahe ho… balki legality par betting kar rahe ho। Aaj kal? Odde favor mein nahi hain.

Aapko Kya Karna Chahiye?

The future of decentralized finance depends not only on code but on trust — and trust requires transparency, even at the point of sale. The irony? We built blockchain to remove middlemen… yet still rely on them to protect us from scams and loopholes.