{ "jurisdiction_id": "US-FL", "jurisdiction": "United States – Florida", "url": "https://cryptoassets.gi/jurisdictions/united-states-florida/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-17", "schema_version": "crypto-v2.0.0", "counts": { "modules": 7, "sourced_findings": 16, "source_register": 19 }, "modules": [ { "code": "crypto_licensing", "name": "Crypto Licensing", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-florida/#crypto-licensing-crypto-licensing", "standing_position": "Florida has no bespoke crypto-asset licence; virtual-currency exchanges and custodians are regulated as money transmitters under the Florida Money Services Businesses Act (Chapter 560, Florida Statutes), administered by the Office of Financial Regulation (OFR). Historical case law and OFR declaratory statements carved out a narrow exemption for self-directed bitcoin sales, and 2026 legislation (SB 314/HB 175) newly extends the Chapter 560 framework to payment-stablecoin issuers.", "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-florida/#token-classification-token-classification", "standing_position": "Florida has no state-specific token taxonomy; per the seed disambiguation, security/commodity characterisation defers to federal SEC/CFTC jurisdiction, including a March 2026 SEC-CFTC joint interpretive release addressing bitcoin's classification. Florida's 2026 stablecoin law separately creates a state-recognised 'qualified payment stablecoin' category and clarifies certain stablecoins are not securities under state law.", "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": "on_chain_activity_regime", "name": "On-Chain Activity Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-florida/#on-chain-activity-regime-on-chain-activity-regime", "standing_position": "Florida has not enacted binding statutes specifically governing staking, DeFi lending, mining, or validator/node operation. OFR's engagement has been limited to a 2022 consumer warning on DeFi; no licensing or prohibition regime exists for these activities distinct from the general Chapter 560 MTL framework, which would apply only if such an activity independently constitutes money transmission.", "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": "stablecoin_regime", "name": "Stablecoin Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-florida/#stablecoin-regime-stablecoin-regime", "standing_position": "Florida became one of the first U.S. states to enact a comprehensive payment-stablecoin framework via SB 314/HB 175, passed by both chambers in March 2026 and aligned with the federal GENIUS Act, bringing qualified payment stablecoin issuers under OFR licensing/supervision (or joint OFR-OCC supervision for certain federally-qualified issuers). A companion confidentiality bill (CS/CS/SB 1440) protects OFR-held issuer information. Independent confirmation of the gubernatorial signature, final effective date, and implementing OFR rules was not available in this research 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-florida/#consumer-protection-consumer-protection", "standing_position": "Consumer protection in Florida's crypto space rests on Chapter 560 custody/bonding obligations enforced by OFR (e.g., the 2023 Bittrex enforcement action) and on non-binding OFR consumer alerts (e.g., the 2022 DeFi warning). It could not be confirmed whether Florida has enacted a dedicated crypto-kiosk consumer-protection statute analogous to recent Illinois, Tennessee, or Indiana laws.", "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": "tax_treatment", "name": "Tax Treatment", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-florida/#tax-treatment-tax-treatment", "standing_position": "Florida imposes no state personal income tax. In March 2022, Governor DeSantis directed state agencies to prepare to accept cryptocurrency for state tax payments, but by mid-2024 reporting indicated only Colorado had operationalized state-level crypto tax-payment acceptance, suggesting Florida's initiative had not been implemented. Federal IRS property treatment and the new Form 1099-DA broker-reporting regime apply to Florida taxpayers as in all U.S. states.", "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": "cross_border_transfer", "name": "Cross-Border Transfer", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/united-states-florida/#cross-border-transfer-cross-border-transfer", "standing_position": "No Florida-specific outbound restrictions or cross-border reporting thresholds for crypto transfers were identified beyond the generally applicable federal OFAC sanctions and FinCEN cross-border/travel-rule frameworks that apply to all U.S. money transmitters, including Florida-licensed virtual-currency businesses. FinCEN's 2025 CVC kiosk notice highlights cross-border scam-remittance risk relevant to Florida-based kiosk operators.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] } ] }