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New Jersey, USA
US-NJschema crypto-v2.0.0trajectory: not yet assessedregulatedoverlaps: FIM, WPM
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New Jersey has no bespoke crypto-asset licensing statute. Virtual-currency exchange, custody, and transmission businesses are regulated as money transmitters under New Jersey's general Money Transmitters Act, administered by the New Jersey Department of Banking and Insurance (DOBI) via the Nationwide Multistate Licensing System (NMLS). State- or federally-chartered banks and trust companies are statutorily excluded from the MTL requirement. Multiple attempts to enact a bespoke 'Digital Asset and Blockchain Technology Act' creating a dedicated crypto license have been introduced in the Legislature but have not been enacted into law. A 2021 State Commission of Investigation report found no dedicated state regulatory framework for crypto ATM/kiosk operations specifically.
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 on record for this sub-brief
Sources and findings (4)
T2 · State Regulatory Registry LLC / Conference of State Bank SupervisorsState Regulatory Registry LLC / Conference of State Bank Supervisors — Virtual-currency exchange and custody businesses operating in New Jersey are required to obtain a money transmitter license from the NJ Department of Banking and Insurance, administered through NMLS, in the absence of a bespoke crypto-asset licensing statute.retrieved M4bindingin force
T4 · CoinDeskCoinDesk — New Jersey excludes state- or federally-chartered banks, including trust companies, from its money-transmitter licensing requirement, meaning a bank-chartered crypto custodian would not need a separate NJ MTL.retrieved M3bindingin force
T4 · CoinDeskCoinDesk — A proposed 'Digital Asset and Blockchain Technology Act' (introduced in multiple sessions, e.g. as Assembly and Senate companion bills including S-3132) would create a dedicated digital-asset business license administered by NJ DOBI, but the measure has not been enacted into law as of the research date.retrieved M3non-binding
T4 · CoinDeskCoinDesk — The New Jersey State Commission of Investigation found there was no state regulation of cryptocurrency ATM/kiosk operations in New Jersey, based on a review of roughly 30 businesses and 300 kiosks.retrieved M3non-binding
Token characterization for securities purposes is governed primarily by federal law: the SEC/CFTC's March 2026 interpretive guidance established a token taxonomy (digital securities, digital commodities, digital collectibles, digital tools, payment stablecoins). New Jersey has no independent state statute classifying token types, but the NJ Bureau of Securities (within the Division of Consumer Affairs, Attorney General's office) has independently applied the state Uniform Securities Law to treat certain crypto products -- notably crypto interest/yield accounts and staking-as-a-service programs -- as securities, occasionally diverging from the evolving federal posture.
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 on record for this sub-brief
Sources and findings (2)
T1 · U.S. Securities and Exchange CommissionU.S. Securities and Exchange Commission — Federal SEC/CFTC interpretive guidance issued in March 2026 provides a coherent token taxonomy classifying crypto assets as digital securities, digital commodities, digital collectibles, digital tools, or payment stablecoins, which functions as the default classification framework absent independent New Jersey statute.retrieved M4bindingin force
T4 · The BlockThe Block — The New Jersey Bureau of Securities has independently pursued crypto interest-bearing/yield-account products (e.g., against BlockFi and Celsius) and Coinbase's staking-as-a-service program as unregistered securities offerings under the state Uniform Securities Law.retrieved M4bindingin force
The only on-chain activity with a documented, distinct New Jersey regulatory position is protocol/exchange staking, where the NJ Bureau of Securities brought an enforcement action against Coinbase's staking-as-a-service program in June 2023 as part of a ten-state task force, alleging it constituted an unregistered securities offering. As of April 2025 this matter reportedly remained open even after several other states dropped parallel actions and the SEC dismissed its own suit. No NJ-specific rules distinct from the general MTL/securities regimes were identified for mining, node operation, validation, DeFi lending, DEX activity, or tokenization.
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 on record for this sub-brief
Sources and findings (3)
T1 · U.S. Securities and Exchange CommissionU.S. Securities and Exchange Commission — In June 2023, the New Jersey Bureau of Securities brought an enforcement action against Coinbase alleging its crypto staking-as-a-service offering constituted an unregistered securities offering in violation of state securities law, as part of a ten-state regulator task force.retrieved M5bindingin force
T4 · The BlockThe Block — As of April 2025, a New Jersey Bureau of Securities representative confirmed the Coinbase staking enforcement matter 'remains open,' even though Illinois, Kentucky, Vermont, and South Carolina had by then dropped their parallel staking cases against Coinbase.retrieved M4bindingin force
T4 · CoinDeskCoinDesk — Coinbase paused its retail staking service in New Jersey (along with California, South Carolina, and Wisconsin) in July 2023 in response to state regulatory proceedings, while crypto already staked prior to the orders remained unaffected.retrieved M4bindingin force
New Jersey has no state-specific stablecoin issuance, reserve, redemption, disclosure, or systemic-designation framework. Payment stablecoins are governed federally by the GENIUS Act (signed July 2025), which establishes federal (OCC/Federal Reserve/FDIC) issuance pathways plus an optional state regulatory pathway for smaller issuers (under $10 billion outstanding). No evidence was found that New Jersey has stood up a state-qualified stablecoin-issuer supervisory program under this pathway.
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 on record for this sub-brief
Sources and findings (1)
T4 · The BlockThe Block — The federal GENIUS Act, signed in July 2025, created a regulatory framework for payment stablecoins with a state regulatory pathway for issuers with under $10 billion in outstanding stablecoins, but no evidence was found that New Jersey has established a state-qualified stablecoin-issuer supervisory regime under this pathway.retrieved M3bindingin force
New Jersey consumer protection for crypto is presently enforcement-driven rather than statute-driven: the NJ Attorney General and Bureau of Securities have issued cease-and-desist orders against crypto investment fraud schemes and pursued crypto yield/staking products as unregistered securities. Legislative proposals -- including a dedicated digital-asset licensing act and a 2025 bill requiring crypto ATM operators to provide scam warnings and live customer service -- remain pending and have not been enacted.
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 on record for this sub-brief
Sources and findings (3)
T4 · The BlockThe Block — In October 2021, the New Jersey Attorney General and Bureau of Securities issued cease-and-desist orders against five crypto-investment websites for offering unregistered, non-exempt securities to New Jersey residents, citing nearly $90,000 in resident losses.retrieved M4bindingin force
T4 · CoinDeskCoinDesk — As of May 2025, New Jersey was weighing a bill that would require crypto ATM operators to warn users about potential scams and provide live customer service, but the measure had not been enacted into law as of the research date.retrieved M3non-binding
T4 · The BlockThe Block — The proposed 'Digital Asset and Blockchain Technology Act' would have imposed licensing, disclosure, and AML/CFT-policy obligations -- including consumer complaint-handling infrastructure -- on digital-asset businesses serving New Jersey residents, but has not been enacted as of the research date.retrieved M3non-binding
No New Jersey Division of Taxation-specific bulletin or technical guidance on virtual-currency taxation (capital gains, income tax, sales/use tax, or reporting) was located in this research pass; this is flagged as a gap requiring escalation. The only sourced tax-relevant development identified is the federal Form 1099-DA broker-reporting regime, which affects New Jersey taxpayers by virtue of federal conformity even absent independent state guidance.
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 on record for this sub-brief
Sources and findings (1)
T4 · CoinDeskCoinDesk — Beginning with the 2025 tax year, crypto exchanges nationwide -- including those serving New Jersey residents -- are required to issue IRS Form 1099-DA reporting gross proceeds from digital-asset sales, a federal reporting change with direct compliance impact on New Jersey taxpayers pending any New Jersey-specific conformity guidance.retrieved M3bindingin force
No New Jersey-specific outbound restriction, reporting threshold, or travel-rule requirement distinct from federal law was identified for cross-border virtual-currency transfers. New Jersey-licensed money transmitters conducting cross-border crypto transfers remain subject to the federal BSA/FinCEN MSB registration, recordkeeping, and reporting regime, plus OFAC sanctions screening, rather than any separate state cross-border regime.
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 on record for this sub-brief
Sources and findings (1)
T1 · Financial Crimes Enforcement NetworkFinancial Crimes Enforcement Network — New Jersey imposes no identified state-specific outbound restriction on cross-border virtual-currency transfers beyond the federal BSA/FinCEN money-transmitter registration and reporting regime applicable to money transmitters generally.retrieved M2bindingin force
Crypto AML/CFT obligations (KYC/CDD, travel rule, SAR/STR, sanctions screening, record-keeping, risk assessment) are out of scope for this baseline: the crypto consumer subscribes to the Financial Integrity Module (FIM) 'aml_ctf' for these facts rather than duplicating them here. Disambiguation context only: New Jersey money transmitters, including virtual-currency businesses, are subject to federal BSA/FinCEN MSB registration and AML program requirements administered by FinCEN, and New Jersey's 2021 State Commission of Investigation report on crypto kiosks specifically flagged AML/CFT gaps at cryptocurrency ATM 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 on record for this sub-brief
Sources and findings (1)
T1 · Financial Crimes Enforcement NetworkFinancial Crimes Enforcement Network — AML/CFT obligations for New Jersey crypto businesses are addressed under the crypto consumer's subscribed Financial Integrity Module (FIM) 'aml_ctf' rather than under this baseline module.retrieved M1non-bindinga fact about the regime
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