In this subtitle the following words have the meanings indicated. “Experienced user” means a person that is not a new user. “New user” means a person that is transacting with a virtual currency kiosk operator: For the first time; or Anytime in the 72 hours immediately following the person’s first transaction with the virtual currency kiosk operator. “Virtual currency” means a digital representation of value that: Is used as a medium of exchange, unit of account, or store of value; and Is not currency, as defined in § 12–802 of this title. “Virtual currency” does not include: A digital representation of value that can be redeemed for: Goods, services, discounts, or purchases solely as part of a customer affinity or rewards program with the issuing merchant or other designated merchants, or both; or Digital units in another customer affinity or rewards program that may not directly or indirectly be converted into, redeemed, or exchanged for money, monetary value, bank credit, or virtual currency; or A digital representation of value issued by or on behalf of a publisher that: Is used solely within an online game, game platform, or family of games sold by the same publisher or offered on the same game platform; Has no market or application outside of the online game, game platform, or family of games; May not directly or indirectly be converted into, redeemed, or exchanged for money, monetary value, bank credit, or virtual currency; and May or may not be redeemable for real–world goods, services, discounts, or purchases. “Virtual currency kiosk” means a stand–alone automated platform through which a consumer may deposit or receive cash or use a credit or debit card to obtain virtual currency services. “Virtual currency kiosk operator” or “operator” means: A person who owns or operates a virtual currency kiosk in the State; or A person who installs or operates software that enables a stand–alone automated device to provide virtual currency services in the State. “Virtual currency service” means: The conversion of a virtual currency to another form of virtual currency; or The purchase, sale, exchange, swap, or transfer of virtual currency by any means. “Virtual currency service” includes any other activity that the Commissioner identifies as a virtual currency service by regulation. “Virtual currency service” does not include: Money transmission, as defined in § 12–401(p) of this title; or Accepting or dispensing cash in connection with a credit, deposit, or convenience account.