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Frankly my gut feel is that Bitcoin transactions over Amateur radio is illegal, however I suspect it may be open to interpretation.

Amateur radio is NOT strictly non-commercial. For example a licensed ham CAN legally use an autopatch to order a pizza. A licensed ham CANNOT call his office on the same autopatch to retrieve his "business messages".

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The kind of commercial that this might run afoul "Communications for hire or for material compensation, direct or indirect, paid or promised" or "Communications, on a regular basis, which could reasonably be furnished alternatively through other radio services." https://www.law.cornell.edu/cfr/text/47/97.113

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