{ "jurisdiction_id": "US-AZ", "jurisdiction": "United States – Arizona", "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-17", "schema_version": "crypto-v2.0.0", "counts": { "modules": 8, "sourced_findings": 20, "source_register": 13 }, "modules": [ { "code": "crypto_licensing", "name": "Crypto Licensing", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#crypto-licensing-crypto-licensing", "standing_position": "Arizona has no bespoke crypto-asset licensing statute. Virtual-currency exchange, transmission, and custody businesses fall under Arizona's general money-transmitter licensing law (A.R.S. Title 6, Chapter 12), administered through the Nationwide Multistate Licensing System (NMLS), with the Arizona Department of Insurance and Financial Institutions as the state supervisor. Token characterization for securities purposes is governed by federal SEC/CFTC jurisdiction, not a distinct Arizona crypto license. Whether Arizona's MTL statute contains crypto-specific carve-outs beyond general MSB-type exemptions has not been independently verified in this pass.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "token_classification", "name": "Token Classification", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#token-classification-token-classification", "standing_position": "Arizona has no independent state-law taxonomy for crypto tokens. Classification for securities, commodity, and stablecoin purposes in Arizona is governed by federal law: the SEC/CFTC's March 2026 joint interpretive 'token taxonomy' release (digital commodities, digital collectibles, digital tools, stablecoins, digital securities) and the GENIUS Act for payment stablecoins. This federal framework applies uniformly in Arizona per the disambiguation guidance for this JID.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "on_chain_activity_regime", "name": "On-Chain Activity Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#on-chain-activity-regime-on-chain-activity-regime", "standing_position": "Arizona has no dedicated licensing regime for staking, mining, node operation, or validator activity. A 2017-2018 Arizona legislative package sought to protect blockchain infrastructure activity from local interference (node/mining protection, blockchain data-storage recognition), though final enactment of the specific node-protection bill could not be fully confirmed in this pass. Separately, the 2026 federal SEC/CFTC interpretive taxonomy excludes protocol staking and mining from 'digital security' scope, reducing federal securities-law friction for these activities in Arizona.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "stablecoin_regime", "name": "Stablecoin Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#stablecoin-regime-stablecoin-regime", "standing_position": "Arizona has no state-specific stablecoin issuance regime. Issuance, reserve, and redemption requirements for payment stablecoins are governed federally under the GENIUS Act, with OCC, Federal Reserve, FDIC, and NCUA rules controlling federally chartered issuers, and Treasury's 'substantially similar' test governing state-qualified issuer regimes. No Arizona state-qualified payment stablecoin issuer regime has been identified in this pass.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "consumer_protection", "name": "Consumer Protection", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#consumer-protection-consumer-protection", "standing_position": "Arizona lacks a bespoke crypto consumer-protection statute, but the Arizona Attorney General's office has taken direct action against crypto-ATM fraud, including posting on-site warning signage at kiosk locations. Federal FinCEN guidance separately flags convertible virtual currency (CVC) kiosks as a high fraud-risk channel nationally, including in Arizona. General Arizona consumer-fraud law may apply by default to crypto marketing and complaint-handling, but specific statutory citations were not independently sourced in this pass.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "tax_treatment", "name": "Tax Treatment", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#tax-treatment-tax-treatment", "standing_position": "Arizona's 2018 legislative effort (SB 1091) to allow direct cryptocurrency payment of state tax liabilities was stripped of all crypto-specific language before final enactment; no operative Arizona statute currently permits direct crypto tax payment. HB 2749 (2025) integrates unclaimed crypto assets into Arizona's unclaimed-property framework and was characterized by its sponsor as creating 'tax free' treatment for the resulting Bitcoin and Digital Assets Reserve, though the precise statutory tax mechanics were not independently verified against bill text in this pass. General Arizona income-tax conformity to federal property characterization of crypto gains was not independently confirmed.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "cross_border_transfer", "name": "Cross-Border Transfer", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#cross-border-transfer-cross-border-transfer", "standing_position": "Arizona imposes no state-specific cross-border crypto-transfer restrictions. Sanctions-nexus and cross-border reporting obligations applicable to Arizona-licensed money transmitters and any Arizona-domiciled stablecoin-adjacent entities derive entirely from federal OFAC sanctions, BSA/FinCEN cross-border reporting rules, and GENIUS Act sanctions-compliance provisions, which apply uniformly regardless of state licensing status.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "aml_cft_regime", "name": "AML/CFT Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-arizona/#aml-cft-regime-aml-cft-regime", "standing_position": "This module is out of scope for the crypto consumer baseline: crypto subscribes to the FIM aml_ctf module for AML/CFT coverage, and no aml_cft_regime claims are produced here by design. Any AML-adjacent material encountered during research (e.g., FinCEN CVC-kiosk guidance, GENIUS Act AML/CFT NPRM references to Arizona's money-transmitter definition) was captured as disambiguation context within other modules (crypto_licensing, cross_border_transfer, consumer_protection) rather than as aml_cft_regime claims.", "findings": [] } ] }