Cryptoassets Regulatory Intelligence cryptoassets.gi
US-FL · run crypto-2026-08-05 v13.3.0
content: ai_generated 19 sources retrieved model claude-sonnet-5 ·

United States – Florida

US-FL schema crypto-v2.0.0 trajectory: not recordedin transitionoverlaps: FIM, WPM

Last updated · 7 categories · 16 sourced findings · 19 sources in the cumulative register

7Categoriesbaseline.
16Findings.claims[]
0Tier-1 sourcesrun_metadata.t1_source_count
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Jurisdiction brief

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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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (3)
  1. T?source not recordedM5bindingin force
  2. T?source not recordedM3non-binding
  3. T?source not recordedM5bindingenacted not yet effective

#

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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (2)
  1. T?source not recordedM4bindingenacted not yet effective
  2. T?source not recordedM3non-binding

#

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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (2)
  1. T?source not recordedM2non-binding
  2. T?source not recordedM2non-binding

#

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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (3)
  1. T?source not recordedM5bindingenacted not yet effective
  2. T?source not recordedM4bindingenacted not yet effective
  3. T?source not recordedM2bindingenacted not yet effective

#

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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (3)
  1. T?source not recordedM4bindingin force
  2. T?source not recordedM2non-binding
  3. T?source not recordedM3non-binding

#

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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (2)
  1. T?source not recordedM2non-binding
  2. T?source not recordedM2non-binding

#

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.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded against this sub-brief.

Sources and findings (1)
  1. T?source not recordedM3bindingin force
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Editorial metadata for United States – Florida
FieldValue
trust.lawyer_review.statusnever_reviewed
trust.lawyer_review.reviewernot recorded
trust.content_sourceai_generated

Provenance and declared absence

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Family taxonomy is renderer-level presentation config, not a JID field. Colour is always duplicated in text and is never the sole carrier of meaning.

Suppressed by doctrine: derived risk score; per-module RAG traffic light; derived_scores = {}.

Band honesty: uncertainty bands are computed against a frozen build clock of 2026-08-17. A year-precision row is never promoted into a tighter band.

Orphan deltas: 0 cycle_delta row(s) target non-module objects and are listed in the rail rather than attached to a card.

Envelope: baseline resolved at jurisdiction_json.baseline; 7 module(s), 16 finding(s), 19 source(s) in the cumulative register.