Prohibits cryptocurrency automatic teller machines.

New Jersey's S 3694 prohibits businesses from owning, controlling, installing, managing, selling, or offering cryptocurrency ATMs within the state. It defines cryptocurrency as decentralized digital currency and specifies that crypto ATMs are internet-connected kiosks allowing users to buy, sell, or exchange digital currency using debit cards, credit cards, or cash. The bill amends existing consumer fraud law to make these activities unlawful, with penalties including fines up to $20,000 per violation and potential court-ordered restitution. This directly affects businesses operating or planning to operate crypto ATMs in New Jersey, aiming to address rising fraud losses - reported at over $110 million in 2023 - particularly impacting seniors with median losses of $10,000.