Block Inc.是现金应用的母公司，由杰克·多尔西（Jack Dorsey）领导，已被罚款4000万美元

现金应用的母公司Block Inc.，由X（以前为Twitter）的创始人兼前首席执行官杰克·多尔西（Jack Dorsey）领导，已被罚款4000万美元

The New York Department of Financial Services (NYDFS) has fined Block Inc., the parent company of Cash App and led by Jack Dorsey, the Founder and former CEO of X (formerly Twitter) at $40 million.

纽约金融服务部（NYDFS）已将现金应用程序的母公司罚款，由X（以前是Twitter）的创始人兼前首席执行官杰克·多尔西（Jack Dorsey）以4000万美元的价格领导。

The penalty, announced on April 10 2025, follows findings that Block’s anti-money laundering (AML) and compliance programs related to its virtual currency operations displayed significant deficiencies.

该罚款于2025年4月10日宣布，此前是Block的反洗钱（AML）和与其虚拟货币操作有关的合规计划表现出明显的缺陷。

This comes after the regulator started probing the company’s crypto operations in 2020, raising concerns over lapses in Bitcoin transaction oversight, weak treatment of transactions with crypto mixers, and a large backlog of pending transaction alerts.

这是在监管机构于2020年开始探讨该公司的加密运营之后，引起了人们对比特币交易监督的失误的担忧，用加密货币混合器对交易的薄弱处理以及大量的待处理交易警报。

Those findings are now part of the Consent Order, which officially reprimands Block for its failure to meet state AML standards.

这些发现现在已成为同意令的一部分，该命令正式谴责其未能达到国家AML标准的情况。

A 12-month supervision period will also see an independent monitor scrutinize the company’s progress in overhauling its programs.

一个12个月的监督期还将使一名独立的监视器仔细检查公司在大修计划方面的进展。

Highlighting the importance of strong compliance programs, NYDFS Superintendent Adrienne Harris said: “All financial institutions, whether traditional financial services companies or emerging cryptocurrency platforms, must align their compliance programs with their growth.”

NYDFS校长艾德里安·哈里斯（Adrienne Harris）强调了强大的合规计划的重要性，说：“所有金融机构，无论是传统金融服务公司还是新兴的加密货币平台，都必须使其合规计划与其增长保持一致。”

Lapses in Bitcoin transaction oversight

比特币交易监督失败

The Consent Order revealed that Block failed to comply with state standards for monitoring digital asset transactions.

同意令表明，Block不遵守用于监视数字资产交易的州标准。

NYDFS found that the company’s compliance system failed to flag Bitcoin transactions tied to wallets with illicit or sanctioned activity – unless specific thresholds were exceeded.

NYDF发现，该公司的合规系统未能标记与非法或认可活动的钱包相关的比特币交易 - 除非超过特定的阈值。

In particular, transactions involving wallets with under 1% exposure to terrorist-linked wallets did not trigger alerts, and transfers to such wallets were only blocked once exposure surpassed 10%.

特别是，涉及接触恐怖主义者钱包1％的钱包的交易并没有引发警报，并且一旦暴露超过10％，向这种钱包的转移只会被阻止。

Regulators stated that this threshold-based approach violated expectations that demand proactive, risk-based compliance.

监管机构指出，这种基于阈值的方法违反了要求积极主动，基于风险的依从性的期望。

Authorities stressed that even minimal interactions with high-risk wallets require robust justification. Without it, Block fell short of its obligations under both state and federal financial crime laws.

当局强调，即使与高风险钱包的相互作用最少也需要强大的理由。没有它，Block却没有根据州和联邦金融犯罪法所承担的义务。

Concerns over mixers and alert backlogs

搅拌机的担忧和警报积压

The regulator also highlighted Block’s treatment of crypto mixer transactions – tools that mix funds to conceal their origins and destinations, commonly used in illicit finance. Despite their high-risk nature, Block continued to label these transactions as only ‘medium’ risk, disregarding repeated regulatory guidance.

该监管机构还强调了Block对加密混音器交易的处理，这些工具将资金混合以掩盖其起源和目的地，通常用于非法财务。尽管具有高风险的性质，但Block继续将这些交易标记为“中等”风险，而无视反复的监管指导。

NYDFS further criticized Block’s inability to keep pace with transaction alert volumes.

NYDFS进一步批评了Block无法与交易警报保持同步。

Between 2018 and 2020, the company’s backlog of unresolved alerts spiked from 18,000 to more than 169,000. This reflected Block’s failure to scale its compliance capabilities alongside the rapid growth of Cash App.

在2018年至2020年之间，该公司的未解决警报的积压从18,000到超过169,000。这反映了Block未能在现金应用程序快速增长的同时扩展其合规能力。

In some instances, suspicious activity reports (SARs) were filed more than a year after the initial alert, delaying investigations into potential financial crimes.

在某些情况下，可疑活动报告（SARS）是在初次警报后一年多的一年来提交的，从而延迟了对潜在的金融犯罪的调查。