Missouri Bitcoin ATM Regulations
The "Virtual Currency Kiosk Consumer Protection Act" (HB 754) focuses on anti-fraud policies, material risk disclosures, and requires blockchain analytics software for fraud prevention.
Review and sources
Summary reviewed: . Source review pending. This is a dated summary; later amendments may change these requirements.
Licensing requirements
The "Virtual Currency Kiosk Consumer Protection Act" (HB 754) deems kiosk operators as engaged in money transmission and requires licensure under Missouri's money transmitter laws.
Operators must obtain and maintain a money transmitter license through the Missouri Division of Finance.
Transaction limits
Unlike many other states with recent legislation, Missouri's HB 754 focuses primarily on disclosures and anti-fraud policies rather than specific daily transaction limits.
Customer Script
"Before we can process your first transaction in Missouri, we are required by the Consumer Protection Act to provide you with a full list of material risks associated with virtual currency."
Customer identification
Missouri requires comprehensive material risk disclosures before any initial transaction can proceed.
- Operators must establish a relationship with customer before first transaction
- Full list of material risks associated with virtual currency must be provided
- Customer must acknowledge receipt and understanding of risks
- Disclosures must be provided in a clear and conspicuous manner
Anti Fraud
Anti-Fraud Requirements
Missouri requires the use of blockchain analytics software to identify and prevent transfers to wallets affiliated with fraudulent activity. Operators must implement technical solutions to screen destination wallets before processing transactions.
Sources and legislation
The primary legislation governing Bitcoin ATM operations in Missouri is House Bill 754, known as the "Virtual Currency Kiosk Consumer Protection Act."
HB 754 - Virtual Currency Kiosk Consumer Protection Act
Transaction limits and fees in Missouri
New customers are limited to Varies.
Existing customers are limited to Varies.
Our reviewed summary records no statutory fee cap for Missouri, so operator pricing applies.
Anyone urging you to split a payment across several machines, operators or days to get around a limit is showing a common scam warning sign.
Key dates
- Effective date of the kiosk provisions: .
- We last reviewed this summary against the official source on .
Enforcement actions in Missouri
Actions and findings by Missouri authorities recorded in our operator trust data. Each affects that operator's trust grade.
- 2026-05-20 — Missouri Attorney General: Consumer Protection Lawsuit involving CoinFlip (pending). AG Catherine L.
- 2026-01-27 — Missouri Attorney General: Civil Investigative Demand involving RockItCoin (pending). AG Catherine Hanaway issued CID to RockItCoin as part of statewide investigation into Bitcoin ATM operators.
- 2026-01-27 — Missouri Attorney General: Civil Investigative Demand involving Bitcoin Depot (pending). AG Catherine Hanaway issued CID to Bitcoin Depot as part of statewide investigation into Bitcoin ATM operators.
- 2026-01-27 — Missouri Attorney General: Civil Investigative Demand involving CoinFlip (superseded). AG Catherine Hanaway issued CID to CoinFlip as part of statewide investigation into Bitcoin ATM operators.
- 2026-01-27 — Missouri Attorney General: Civil Investigative Demand involving Athena Bitcoin (pending). AG Catherine Hanaway issued CID to Athena Bitcoin as part of statewide investigation into Bitcoin ATM operators.
- 2026-01-27 — Missouri Attorney General: Civil Investigative Demand involving Byte Federal (pending). AG Catherine Hanaway issued CID to Byte Federal as part of statewide investigation into Bitcoin ATM operators.
How Missouri compares
Missouri is one of 18 jurisdictions in our dataset with a kiosk-specific transaction limit. See every state side by side on the regulations overview.
Rules change at the state line. If you live near a border, the kiosk you use may be governed by a neighbor's law:
| Neighboring state | Status | Daily limit | Fee cap |
|---|---|---|---|
| Arkansas | Active | $2,000/day | $5 or 18%; see statute |
| Illinois | Active | $2,500/day | Greater of $5 or 18% |
| Iowa | Active | $1,000/day | Greater of $5 or 15% |
| Kansas | Active | $1,000/day | $5 or 18% |
| Kentucky | General Licensing | None recorded | None recorded |
| Nebraska | Active | $2,000/day | 18% |
| Oklahoma | Active | $2,000/day | 15% |
| Tennessee | Banned 2026 | Prohibited | — |
Federal rules that apply in Missouri
State law sits on top of federal requirements that apply to every Bitcoin ATM operator in the United States, including in Missouri:
- Money services business registration. Kiosk operators are money transmitters under the Bank Secrecy Act and must register with FinCEN.
- Anti-money-laundering program. Operators must run a written AML program with a compliance officer, training, and independent review.
- Reporting. Operators file Suspicious Activity Reports and Currency Transaction Reports for cash transactions over $10,000 in a day.
- Sanctions screening. Transactions involving sanctioned persons or wallets are prohibited under OFAC rules.
These federal duties explain why kiosks ask for a phone number, ID, or a selfie as amounts rise — identification tiers are how operators meet them.
Bitcoin ATM scam warnings
The biggest risk at a Bitcoin ATM is a scammer directing the payment. The same scripts appear in Missouri as nationwide:
- Government or police impersonation — a caller says you owe a fine or your accounts are frozen and must be "protected" in Bitcoin.
- Tech-support and bank-fraud alerts — a pop-up or call claims your computer or bank account is compromised.
- Romance and investment schemes — an online contact steers you to "invest" or send help through a kiosk.
- Utility shut-off threats — a caller demands immediate payment to keep service on.
No government agency, utility, bank, or legitimate business asks to be paid through a Bitcoin ATM. If someone is on the phone telling you which buttons to press or gives you a QR code to scan, stop. Bitcoin transactions are generally irreversible once confirmed.
Find a Bitcoin ATM in Missouri
Compare locations, operators, trust grades and reported hours in the Missouri Bitcoin ATM directory, or read how Bitcoin ATM fees work before you go.
Frequently asked questions
Are Bitcoin ATMs legal in Missouri?
Yes, Bitcoin ATMs can operate in Missouri. The "Virtual Currency Kiosk Consumer Protection Act" (HB 754) focuses on anti-fraud policies, material risk disclosures, and requires blockchain analytics software for fraud prevention.
What is the Bitcoin ATM daily limit in Missouri?
New customers: Varies. Existing customers: Varies.
Is there a cap on Bitcoin ATM fees in Missouri?
Our reviewed summary records no statutory fee cap in Missouri. Total costs at Bitcoin ATMs commonly run well above exchange fees once the exchange-rate spread is included, so compare the final quote before paying.
Do Bitcoin ATM operators need a license in Missouri?
The "Virtual Currency Kiosk Consumer Protection Act" (HB 754) deems kiosk operators as engaged in money transmission and requires licensure under Missouri's money transmitter laws.
Have Bitcoin ATM operators faced enforcement in Missouri?
Yes. Our records include 6 actions or findings by Missouri authorities involving CoinFlip, RockItCoin, Bitcoin Depot, Athena Bitcoin and Byte Federal. Details and dates are listed on this page.
Where do I report a Bitcoin ATM scam in Missouri?
Contact the operator's support line immediately (the number is on the kiosk and receipt), then file reports with local police, the FBI's Internet Crime Complaint Center (ic3.gov), and the FTC (reportfraud.ftc.gov).