Florida state law is different than US law and much of what you are discussing is Florida law. Fincen is the US agency, not related to Florida.
"The first ruling states that, to the extent a user creates or “mines” a convertible virtual currency solely for a user’s own purposes, the user is not a money transmitter under the BSA. The second states that a company purchasing and selling convertible virtual currency as an investment exclusively for the company’s benefit is not a money transmitter,” the release states."
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http://www.coindesk.com/fincen-bitcoin-miners-investors-money-transmitters"The second ruling enabled companies to buy virtual currencies for themselves, selling them on an exchange later for their own purposes."
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http://www.coindesk.com/congressional-leaders-foundation-praise-fincen-guidance ie NOT illegal in US. But again Florida is operating under their own more restrictive MSB rules.