State of Regulation 2017, Bitcoin and Blockchain Regulation in the United States | dinbits


The regulatory landscape in the United States for virtual currency and blockchain technology is more defined than ever in 2017. As of January 1st, 2017 there are now 13 states with clearly defined positions and/or regulations in regards to the blockchain and digital currency industry.

Almost all others remain a grey area with the exception of South Carolina and Montana, both of which have no Money Transmission laws. New Mexico is no longer in that category and in fact introduce regulation effective January 1st, 2017 restricting the activity engaged with virtual currency.

There's 15 states total (some grey areas of concern) to be aware of, 5 of which are good and 10 that are not. The other 37 state/territories are grey areas currently. In a nutshell, New York, New Hampshire, Connecticut, Hawaii, Georgia, North Carolina, Washington, and New Mexico have regulations not favorable to virtual currency and should be avoided or addressed.

Joe Ciccolo, President of regulatory compliance firm BitAML based in Illinois spoke² with dinbits.com and provided some professional thoughts on the 2017 landscape.


"For 2017, I'm anticipating that we will see bitcoin exchanges and trading platforms continue to compel bitcoin traders to implement AML/KYC, a phenomenon that appeared to ramp up in the second half of 2016. " - Joe Ciccolo, BitAML.

Here's how they stack up from best to worst and some additional information on corporate formation for small businesses looking to incorporate in one of these states.

Check out our interactive regulatory landscape map for the united states.

United States Regulation Map (interactive) 

 Bitcoin Friendly 

The following states have either no money transmission laws or have bitoin friendly guidance and/or regulation. Note this is only on the state level, most of the following states either recommend or require federal registration for operating within their juridiction or transacting with their residence.

1. Texas 

Texas remains at the top of the list as the best place for virtual currency given it's bitcoin-friendly laws, popularity in the state, and sheer size (about 28 million, 2nd in the United States) and economy (putting that into perspective, Texas would be the 11th largest economy in the world if it were a country). Texas was the first state to release an official position on bitcoin with Memorandum 1037 stating no money transmitters license is required to sell bitcoin. Bitcoin companies that reside in Texas can even run a custodial exchange without a money transmitters license (a license is required for custodial services outside of Texas). 

2. Kansas 

Kansas is second and would be tied with Tennessee however they were in place first and modeled their guidance after Texas (in fact they thank Texas in their publication) and they are very similar to Texas. An outside entity might look at Kansas or Tennessee over Texas due to the lower cost of entity organization. Kansas Limited Liability Companies ("LLC")'s can be organized for $160 in state fees. That's less than half of what is costs to form in Texas which is over $300 and one of the highest state fees in the country. The down side is that Kansas has barely 3 million people residing within its jurisdiction.

3. Tennessee 

Like Texas and Kansas, Tennessee has a very similar position on bitcoin and virtual currency in general but has an quite an edge on Kansas with the 16th largest populous at 6.6 million. Tennessee is almost as expensive as Texas in legal entity organization with a minimum of $300 for filing an LLC which includes up to 6 members and $50 per member thereafter capping at $3000. With 7 or more member organizing an LLC, Tennessee would be more expensive than Texas and just about any other state. 

4. South Carolina

South Carolina has no money transmission laws nor bitcoin regulation. It's all out for bitcoin in this state and with nearly 5 million residents and state fees of $110 to organize an LLC, South Carolina is a contender for any bitcoin business. Companies may want to steer clear of SC however, in June of 2017 the states money transmission laws go into effect (New Mexico went into effectiveness on Han 1st) which will cover virtual currency. However, for the next 6 months, this is still a spot to operate.

5. Montana

Like South Carolina, Montana has no money transmission or bitcoin regulations restricting activity. An LLC can be organized for only $60 as well. However, Montana has only 1 million people residing in the entire state leaving little room for local transactions in bitcoin.

 Bitcoin Unfriendly

The following states are unfriendly, but with the exception of North Carolina, the rest can be operating in and to with caution and under certain conditions, at least for now. North Carolina has specific rules and either way you'll need at least federal paperwork to comply.

6. Wisconsin 

Wisconsin's only guidance is that they take no position. However, they do refuse to issue a money transmitters license to any company that desires one and will require an agreement if a company deals in virtual currency stating that they will not use virtual currency to transmit money. Both CoinX and Circle financial have agreements in place with Wisconsin.

7. North Carolina 

Unlike its neighboring South Carolina, North Carolina has money transmission laws and laws restricting the transacting of virtual currency. These are mainly geared towards custodial services where consumers value is at risk. Bitcoin sellers and peer-to-peer ("P2P") traders are allowed to operate so long as they are registered federally with the Financial Crimes Enforcement Network ("FinCEN"), something the friendly states above also required or recommend.

Due to North Carolina's realistic regulation for P2P traders and small business requiring they only satisfy the federal requirements, North Carolina avoids a hostile perspective for some small companies and individuals. For others, they may argue this state should be on the hostile list.

8. California 

California is currently a grey area state when it comes to bitcoin regulations, however, they have tried to regulate it and are trying again. It's only a matter of time before the largest state economy is a bitcoin hostile state. High costs of entity organization and high taxation makes California lack appeal for a bitcoin business. California sent a cease-and-desist letter to the bitcoin foundation a few years ago and also called out Coinbase stating that they were not regulated in California. Perhaps not completely hostile yet, but it's coming and they certainly are not bitcoin friendly.


"California will all but certainly move forward with its "BitLicense Lite", namely AB 1326, undoubtedly under massive industry protest. Conversely, look for Illinois to adopt bitcoin-friendly regulation." - Joe Ciccolo, BitAML.

9. Pennsylvania 

Much like New Hampshire, Pennsylvania has a bill proposed that will make bitcoin and other virtual currencies monetary value and thus require a money transmitters license to sell. 

10. Florida

Florida regulators are currently tightening up regulation and has made several arrests including two prosecutions, one of which resulted is nothing more than community service, however, due to that very case Florida has begun further regulating virtual currency and we can expect a bill soon. That said, Florida still remains a grey area currently and if carefully executed, a business model can fit into the current framework without a license.

 Bitcoin Hostile

The following states, and North Carolina for some business models, should be avoided in 2017 without a money transmitters license or explicit permission in writing from the state. States require a money transmitting license or virtual currency license (New York) to conduct transactions with its residence or businesses. These licenses are expensive and intrusive and why most just left New York when the BitcLicense happened. We saw this again in New Hampshire in 2016 and we may see this in other states in 2017 since the list has grown from 3 to 6 to avoid.

Also note, even in grey area states and states where bitcoin does not require a money transmitting license, with the exception of South Carolina and Montana, you still must contact the state before operating within its jurisdiction or transacting with its residence.


11. Hawaii 

Hawaii has no official regulation on bitcoin but have made it very clear that they consider transacting bitcoin money transmission and that any business selling bitcoin to its residence needs to contact them or obtain a money transmitters license. Bitcoin is also illegal in Hawaii as tender making it the most hostile environment for bitcoin next to New Hampshire.

12. New Mexico 

New Mexico was like South Carolina and Montana. The key word being was. Today's New Mexico not only requires a money transmitters license to transmit money, it requires a money transmitters license to deal with bitcoin and other virtual currency. The new regulation effecting bitcoin went into effect on January 1st, 2017.

13. Connecticut 

Connecticut's new regulation prohibits selling bitcoin or storing bitcoin for others without a license and the bond will be set by the banking commissioner on a case-by-case basis with no clear understanding of how that is going to be calculated. This is a page out of New York's BitLicense book with its bond set after you pay the non-refundable $5000 USD. This is very Accenture-like where they quote a project based on how much money they think they can squeeze out of a company.


14. Georgia  

Georgia, a very popular bitcoin state now requires both sellers and custodians to now obtain a money transmitter license to conduct any bitcoin activity. Georgia House Bill No. 811 amended Code Section 7-1-680 adding“Virtual Currency”. It also revised Code Section 7-1-690, authorizing the Department of Banking and Finance “to enact rules and regulations that apply to persons engaged in money transmission or the sale of payment instruments involving virtual currency.

15. Washington  

In Washington, digital currency is included in the definition of "Money Transmission" in the Uniform Money Services Act (UMSA), chapter 19.230 RCW¹:

"Money transmission" means receiving money or its equivalent value to transmit, deliver, or instruct to be delivered the money or its equivalent value to another location, inside or outside the United States, by any means including but not limited to by wire, facsimile, or electronic transfer. "Money transmission" does not include the provision solely of connection services to the internet, telecommunications services, or network access. "Money transmission" includes selling, issuing, or acting as an intermediary for open loop stored value and payment instruments, but not closed loop stored value."

16. New York  

No who on earth can forget the BitLicense fiasco which cause both an Exodus and spawned one of our most popular Top 10 lists. The Top 10 most ridiculous "gotchas" in the BitLicense Application.

There's even this T-Shirt (exclusively on Purse.io)

On June 3rd, 2015, the New York Department of Financial Services issued its final virtual currency license  rule after nearly two years of debate and feedback. August 8th, 2015 ended the 45 day grace period allotted for operations related to transactions involving any form of digital currency to operate without a license.

It wasn't a complete fail. It is better than a full blown money transmitters license in New York. There is that small ray of sunshine.

17. New Hampshire 

Possibly the most hostile state towards bitcoin is New Hampshire. This is amplified given the large bitcoin community in the free state. Regulators slipped virtual currency in under the definition of monetary value and nobody noticed until dinbits.com pointed it out in December of 2015. Despite that whistle, many others didn't notice until Poloniex pulled out of New Hampshire and the mainstream media didn't catch wind of it until September of 2016. In October 2016, New Hampshire held a meeting to discuss bitcoin regulation and dedicated resources to discovery of the necessity of the current regulation which requires a full blown money transmitters license. For now however, New Hampshire remains hostile territory in 2017. 

Growing List 

The list of states to avoid has grown from 3 in 2016 (New York, New Hampshire, and Washington) to 7 in 2017 as of January 1st.

"The battle of public perception will continue to be a struggle throughout 2017, especially if there any regulatory enforcement actions, data breaches, or high-profile legal matters involving bitcoin companies. As members of the bitcoin community, we would be well-advised to tout the absence of consumer complaints directed toward bitcoin financial services providers, among other positives." Joe Ciccolo, BitAML.

Regulation isn't a terrible thing, there is a valid case for anti-money laundering and basic KYC compliance is useful for risk prevention as well. However some states are going to far and requiring companies to duplicate effort they already do on a federal level as with the New York BitLicense or requiring a full-blown money transmitting license to simply sell a damn bitcoin as with New Hampshire. 

Custodial accounts can be understood somewhat given the consumer protection related to storing other peoples money but simply selling a bitcoin from person a to person b should not be considered money transmission. This has been argued with FinCEN to no avail and they insist that it is money transmission since the intent of the other person (the buying party) is the key and unless it's a family member living under your roof where you can watch how they specifically spend that bitcoin, it's nearly impossible to prove the intent. 

The sad thing about the federal law is that it's both broad and strict. It's written so that it can be easily twisted to fit just about any circumstance but what's worse is that if the buyer does something illegal with the bitcoin that constitutes money transmission, you're guilty even if you didn't know about it. That's not what most would consider exactly fair. 

The more pressing issue is that the above 7 states inadvertently put federal law into affect and violating any state money transmission laws becomes a federal offense on top of any state offenses. The federal penalty, which can include up to 5 years in prison, is a major hit to the pocketbook as well. Just ask Ripple, they were fined $750,000 last year or John D. Powell who started service a 4 year prison sentence last year for selling bitcoin via Localbitcoins in Illinois.

Apparently, fair doesn't matter in this space so companies must either pony up the cash or avoid these states instead of trying to fly under the radar. Louisiana, Florida, New York, and several other states saw prosecutions and arrests last year in regards to this very activity, so why take a chance.

There's many efforts from firms like xbtBase, who is rallying state regulators to lighten up on specific business models, BitAML who has publicly stated banks need to loosen their risk assessments on bitcoin MSB's (Money Services Businesses), Coincenter a non-profit aimed at educating federal regulators and encouraging them to avoid passing innovation killing regulation, and of course here at dinbits.com we've blown the whistle on sneaky regulators and try to keep folks informed the best we can as do other media outlets.

However, these efforts are ongoing and have produced little relief to date, so either avoid the above states ... or move somewhere else ... that's really the only two safe options at this point. 



Report by dinbits
Image by dinbits.com staff
1. Quoted from Washington Guidance
2. Special thanks to Joe Ciccolo, BitAML, for the contributions to this article.


The opinions expressed by authors of articles linked, referenced, or published on dinbits.com do not necessarily express, nor are endorsed by, the opinions the of dinbits.com or its affiliates.


Post a Comment

  1. Thank for this article. Very informative.

    ReplyDelete
    Replies
    1. Mr Dickson Intelligent Blank ATM Cards Which Have Been Specially Programmed Atm Card Contact Email Dicksonblankatmhacker@gmail.com

      I am announcing this amazing testimonial on this blog, about Mr Dickson how the Blank ATM Card experience changed my whole life.the 2017 blank Atm Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable,so luckily i read about the blank ATM card exercise and how it has made people become rich. I contacted the email address i attached to the testimonial of some beneficiaries and here i am today, all thanks to Global Tech Hackers Team Incorporation world wide for helping me with a blank ATM Card. Now all my financial worries are over. All you need to do is send a message to the email address provided: dicksonblankatmhacker@gmail.com

      Delete
  2. Bitcoin America One of the best and safe way to convert bitcoin to instant cash is exkash.com, Here you can withdraw your large amount of bitcoin directly into your bank account within no time. Do it now Bitcoin to instant Cash

    ReplyDelete
    Replies
    1. PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com..

      Delete
    2. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except,or his email: dicksonblankatmhacker@gmail.com

      Delete

  3. NEED A HACKED ATM CARD WITH PIN?

    We sell physical loaded ATM cards . It is a lroned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/Mastercard. Therefore it works at any ATM Machine that accept Visa/mastercard Worldwide.

    CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS?

    Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds exhausted.

    DO I NEED TO ORDER NEW CARD EVERY TIME I SPENT THE FUNDS FINISH?

    No, if you have already ordAered our card, there is no need to keep ordering new cards, Just contact us for a reload. We shall easily reload the ATM card already in your possession

    HOW LONG DOES IT TAKE TO RECEIVE ATM CARD IN MY COUNTRY?

    If you are in the USA, you will receive your card in 48 HOURS with guaranteed. If you are outside the USA, Your card will arrive to you between 3 – 5 business days guaranteed.

    HOW SAFE IS THIS CARD?

    It is 100% safe to use this card. Because it will be shipped to you as a gift card.

    DO YOU ALSO RELOAD ANY OTHER CARD NOT FROM THIS CRONED CARDS?

    Yes, we can reload any Active and valid cards, any type of card just contact us for a reload (prepaid cards, credit/debit cards).

    HOW DO I ORDER FOR THE ATM CARD?

    Send us an Email: SIMPLEHACKERS2@GMAIL.COM

    HOW DO WE MAKE THIS CARD?

    we use a machine MSR to crone this cards . You can also buy this machine from us at $850 Only. You can order for the ATM card AT A REDUCED PRICE, either the designed card or the blank card but still same information on them.

    if you are interested, send an email to SIMPLEHACKERS2@GMAIL.COM

    ReplyDelete
  4. Exkash.org offers automatic and honest Bitcoin Exchange services worldwide. Exkash.org is one of the best bitcoin exchanges in USA that is mostly suggested and recommended by all bitcoin users. Sell more detail Bitcoin America

    ReplyDelete
  5. PLEASE READ!!
    Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com..

    ReplyDelete
  6. PLEASE READ!!
    Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com...

    ReplyDelete
  7. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  8. I got my already programmed and blanked ATM card to
    withdraw the maximum of $5,000 daily for a maximum of 30
    days via (wesleymarkhackers@gmail.com).
    I am so happy about this because i got mine last week and I have used it to get $150,000. though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from wesley mark Hackers today! Just send an email
    to (wesleymarkhackers@gmail.com)

    ReplyDelete
  9. Hi everyone here, I'm Steve, 57 years old man from USA, how i got my new blank ATM card from Mr John Fade. His trustworthy agent. his really nice person. So go Get the best celebration ever with our 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable. I have my ATM card programmed and covered to withdraw the maximum of $4,500 per day for a maximum of 24 days. I am very happy about this because I have mine a week and some days ago and I have used it for $ 4,500. Mr. John Fade gives the card to help the poor and needy, it is nice and. Get yours from him now. Just send an email to johnfade6@gmail.com Call or text. +16502906942

    ReplyDelete
  10. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except,or his email: dicksonblankatmhacker@gmail.com

    ReplyDelete
  11. Easily Flip Your money
    Easily turn hundreds into thousands:
    $200 into $3000
    $350 into $3500
    $400 into $4000
    $500 into $5000
    $600 into $6000
    $700 into $7000
    $1000 into $10,000

    Email : chaoscyberteam@gmail.com
    About Us
    My name is marian and I'm the manager of two different
    Western Union and money gram™ Customer Service Call
    Centers, which is how I have access to the account that
    holds all of the money from outdated transfers* (see below),
    and it's also how I am able to create and fund new money
    transfers. My goal in doing this is to help those in need of
    money, while making myself money in the process. It's a
    tough economy we have today. Gotta do whatcha gotta do.
    If you're interested, please read on to see my simply laid out
    Email : chaoscyberteam@gmail.com

    ReplyDelete
  12. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
    Get $5,500 USD every day, for six months!
    See how it works
    Do you know you can hack into any ATM machine with a hacked Atm card??
    Make up you mind before applying, straight deal...
    Order for a blank Atm card now and get millions within a week!: contact us
    via email address:: authentichackedcard@gmail.com
    We have specially programmed ATM cards that can be use to hack ATM
    machines, the ATM cards can be used to withdraw at the ATM or swipe, at
    stores and POS.
    you order for::
    Here is our price lists for the ATM CARDS:

    Cards that withdraw $5,500 per day costs $200 USD
    Cards that withdraw $10,000 per day costs $355 USD
    Cards that withdraw $35,000 per day costs $550 USD
    Cards that withdraw $50,000 per day costs $3670 USD


    make up your mind before applying, straight deal!!!

    The price include shipping fees and charges , order now: contact us via
    email address:: authentichackedcard@gmail.com


    ReplyDelete
  13. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
    Get $5,500 USD every day, for six months!
    See how it works
    Do you know you can hack into any ATM machine with a hacked Atm card??
    Make up you mind before applying, straight deal...
    Order for a blank Atm card now and get millions within a week!: contact us
    via email address:: authentichackedcard@gmail.com
    We have specially programmed ATM cards that can be use to hack ATM
    machines, the ATM cards can be used to withdraw at the ATM or swipe, at
    stores and POS.
    you order for::
    Here is our price lists for the ATM CARDS:

    Cards that withdraw $5,500 per day costs $200 USD
    Cards that withdraw $10,000 per day costs $355 USD
    Cards that withdraw $35,000 per day costs $550 USD
    Cards that withdraw $50,000 per day costs $3670 USD


    make up your mind before applying, straight deal!!!

    The price include shipping fees and charges , order now: contact us via
    email address:: authentichackedcard@gmail.com


    ReplyDelete
  14. Mr Dickson Intelligent Blank ATM Cards Which Have Been Specially Programmed Atm Card Contact Email Dicksonblankatmhacker@gmail.com

    I am announcing this amazing testimonial on this blog, about Mr Dickson how the Blank ATM Card experience changed my whole life.the 2017 blank Atm Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable,so luckily i read about the blank ATM card exercise and how it has made people become rich. I contacted the email address i attached to the testimonial of some beneficiaries and here i am today, all thanks to Global Tech Hackers Team Incorporation world wide for helping me with a blank ATM Card. Now all my financial worries are over. All you need to do is send a message to the email address provided: dicksonblankatmhacker@gmail.com

    ReplyDelete
  15. Do you know that you can hack any ATM machine !!!

    We have specially programmed ATM cards that can be used to hack any ATM machine, this ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this cards to all our customers and interested buyers worldwide, the cards has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you in need of any other cyber hacking services, we are here for you at any time any day.
      
    Here is our price list for ATM cards:
    BALANCE PRICE
    $2,500----------------$150
    $5,000----------------$300
    $10,000 ------------- $650
    $20,000 ------------- $1,200
    $35,000 --------------$1,900
    $50,000 ------------- $2,700
    $100,000------------- $5,200
     The price include shipping fees,order now: via email...braeckmansj@outlook.com

    ReplyDelete

Powered by Blogger.