Block原则上同意支付7.64亿美元了结司法部反洗钱调查：指控暂缓起诉三年
美国金融科技公司 Block, Inc. 在加利福尼亚州 Oakland 设有主要办公地，旗下有支付应用 Cash App 与商户支付业务 Square。该公司在11月3日向美国证券交易委员会（SEC）提交的第三季度报告（10-Q）中披露，已于今年10月与司法部达成原则性协议，拟支付约7.64亿美元，了结司法部对其反洗钱管控的调查。
按拟议条款，双方将签署一份为期三年的暂缓起诉协议：司法部指控 Block 未能维持有效的反洗钱计划、违反《银行保密法》（Bank Secrecy Act），该项指控在三年期内暂缓起诉；若 Block 在期内完全履行协议义务，司法部将申请撤销该指控且不得再诉。协议的金额总额约为9.64亿美元，扣除此前多项监管和解的抵免后，净支付额约为7.64亿美元。Block 表示，截至9月30日已全额计提这7.64亿美元；今年6月底时，该事项的计提额为5.26亿美元。
Block 同时提示，这项安排仍须达成令各方满意的最终协议并获得法院批准，公司无法保证最终协议能按现拟条款达成，最终损失也有可能高于已计提金额。
这场调查始于2023年。做空机构 Hindenburg Research 当年发布报告，指 Cash App 以重复与虚假账户虚增用户数、身份核验宽松致使犯罪分子借其平台实施诈骗与洗钱；司法部与 SEC 随后分别介入调查。Block 当时驳斥该报告不准确且具误导性。SEC 工作人员已于今年3月通知 Block，其调查已经结束、不拟建议采取执法行动。纽约州金融监管机构则在2025年4月以合规系统存在严重缺口为由对 Block 罚款4,000万美元，该机构当时查明，Block 的可疑交易警报积压曾从2018年的约1.8万件增至2020年的逾16.9万件。
与这份披露同日公布的第三季度业绩显示，Block 第三季度净利润为5.66亿美元，拟议和解的净支付额高于整个季度的利润；公司整体毛利润同比增长22%至32.4亿美元，其中 Cash App 毛利润增长27%至20.7亿美元，Square 毛利润增长14%至11.6亿美元。比特币业务毛利润同比下降50%至5,200万美元，比特币收入下降11%至18亿美元，公司将利润下降主要归因于下调了部分比特币交易的费率。（来源：美国证券交易委员会）
Block Agrees in Principle to Pay $764 Million to Resolve DOJ Money-Laundering Probe Under Three-Year Deferred Prosecution Deal
Block, Inc., the financial technology company led by Jack Dorsey and parent of the Cash App payment service and the Square merchant business, disclosed in its third-quarter report (Form 10-Q) filed with the U.S. Securities and Exchange Commission on November 3 that it reached an agreement in principle with the Department of Justice in October to pay about $764 million to resolve the department's investigation into its anti-money-laundering controls.
Under the proposed terms, the two sides would enter a three-year deferred prosecution agreement: the Justice Department's charge that Block failed to maintain an effective anti-money-laundering program in violation of the Bank Secrecy Act would be deferred for three years, and if Block fully complies with the agreement over that term, the department will move to dismiss the charge with prejudice. The gross monetary component of the resolution is about $964 million, reduced to a net payment of about $764 million after credits for earlier regulatory settlements. Block said it had accrued the full $764 million as of September 30, up from $526 million accrued at the end of June.
Block cautioned that the resolution remains subject to a final agreement satisfactory to all parties and to court approval, that it cannot assure a final agreement will be reached on those terms, and that it is reasonably possible the final terms could result in losses above the amount accrued.
The investigation dates to 2023, when short seller Hindenburg Research alleged that Cash App inflated its user numbers with duplicate and fraudulent accounts and that weak identity checks allowed criminals to use the platform for scams and money laundering. The Justice Department and the SEC opened inquiries, and Block rejected the report's findings as inaccurate and misleading. SEC staff told Block in March 2026 that their investigation had concluded and that they did not intend to recommend enforcement action. New York's financial regulator fined Block $40 million in April 2025 after finding serious gaps in its compliance systems, including a backlog of suspicious-transaction alerts that had grown from about 18,000 in 2018 to more than 169,000 by 2020.
In the same quarterly results, Block reported third-quarter net income of $566 million, less than the proposed net settlement payment. Overall gross profit rose 22% to $3.24 billion, with Cash App gross profit up 27% to $2.07 billion and Square gross profit up 14% to $1.16 billion. Bitcoin gross profit fell 50% to $52 million from $104 million a year earlier, while bitcoin revenue declined 11% to $1.8 billion, a drop the company attributed primarily to reducing fees on certain bitcoin transactions. (Source: U.S. Securities and Exchange Commission)
来源：美国证券交易委员会
发布：GSM·美国（发布链接）
图片来源：图：位于 Washington 的美国司法部大楼。GSM联邦机构固定图库照片，摄影 APK，CC BY 4.0，来源 Wikimedia Commons。 / Photo: U.S. Department of Justice headquarters in Washington. GSM federal fixed image library photo by APK, CC BY 4.0, via Wikimedia Commons.
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