Block, Inc.

Block, Inc. (tsohon Square, Inc. [1] ) kamfani ne na fasahar Amurka kuma mai ba da sabis na kuɗi ga masu amfani da 'yan kasuwa.[1][2][3] Jack Dorsey ne ya kafa shi a shekara ta 2009, shi ne shugaban kasuwar Amurka a tsarin sayarwa.[4][5][6] Ya zuwa 2024, Block yana hidimtawa masu amfani da miliyan 57 da masu siyarwa miliyan 4, sarrafa dala biliyan 241 a cikin biyan kuɗi a kowace shekara.[7][8]

Block ta inaugural samfurin Square, kaddamar a cikin 2009, ne mai sayarwa tsarin.[1] Yana Ruwa masu siyarwa damar karɓar biyan kuɗi na katin da sarrafa ayyukan, gami da rajista, [2] e-commerce, [3] kaya, [4] biyan kuɗi, [5] Yankin, da samun rancen kasuwanci.[6] Bugu da ƙari, fayil ɗin Block ya haɗa da Cash App, walat ɗin dijital da aka gabatar a cikin 2013.[7][8] Wannan aikace-aikacen yana bawa masu amfani damar aikawa, karɓa, adanawa ko aro kuɗi, damar samun damar katin kuɗi, saka hannun jari a hannun jari da bitcoin, da harajin fayil.[9][10][11][12][13][14] Block kuma ya mallaki Afterpay, sayen yanzu, biya kasuwanci daga baya; Bitkey, walat din bitcoin mai kula da kansa; Proto, Tsarin hakar ma'adinai na bitcoin; da Tidal, kasuwancin kiɗa. [15][16][17][18][19][20]

## Tarihi

### 2009: An tsara shi
The original inspiration for Block's first product "Square" occurred to Jack Dorsey in 2009 when his friend Jim McKelvey was unable to complete a $2,000 sale of his glass faucets and fittings because he could not accept credit cards. Co-founders Dorsey—who also co-founded Twitter—and McKelvey began developing the company out of a small office in St. Louis. The name "Square" derives from the company's square-shaped card reader product.

### 2010-2014: Shekaru na farko
A cewar *Forbes*, Block, mai suna Square, Inc. sa'an nan, ya gwada hanyar biyan kuɗi a kan 'yan kasuwa 50,000 a lokacin rani na shekara ta 2010, kuma yana ba da rahoton caji caji na kasa da kashi 0.05. A watan Fabrairun shekara ta 2011, an bayar da rahoton cewa Square ya kai kimanin dala miliyan 240, yana sanya hannu kan sabbin 'yan kasuwa 100,000 a kowane wata. A watan Afrilu na shekara ta 2011, Square ta ba da sanarwar cewa ta sami saka hannun jari daga Visa. A watan Oktoba na shekara ta 2011, kamfanin ya bayyana cewa yana aiki game da dala biliyan 2 a kowace shekara a cikin biyan kuɗi ta hanyar masu karatun katin "Square", yana cajin kashi 2.75 cikin dari a kowace swipe.

A cikin 2012, Starbucks da Square sun ba da sanarwar haɗin gwiwa wanda zai ba Starbucks damar amfani da fasahar biyan kuɗi ta Square don karɓar biyan kuɗi don kofi. A cikin wannan shekarar, Starbucks kuma an ruwaito cewa ya saka hannun jari a Square a darajar dala miliyan 25. Square tana kula da yawan biyan kuɗi na shekara-shekara na kusan dala biliyan 6 a wannan lokacin.

A cikin 2013, Square ta ƙaddamar da Cash App, sabis na biyan kuɗi na tsara. A watan Oktoba na shekara ta 2014, kamfanin ya ƙaddamar da hadewar fasalin biyan kuɗi a cikin tsarin sarrafa biyan kuɗi na Square, biyo bayan hadewar tayin kuɗi na kasuwanci, samfurin ra'ayoyin abokin ciniki da sabis na invoicing a cikin tsarin.

### 2015-2020: Bayar da jama'a na farko, ci gaba
A cikin 2015, Square ya bayyana cewa ya aiwatar da kimanin dala biliyan 23.8 na yawan biyan kuɗi a cikin 2014.  A cikin wannan shekarar, kamfanin ya sayar da hannun jari a cikin tayin jama'a na farko don US $ 9 a kowace hannun jari, yana ba da kansa babban kasuwar dala biliyan 2.9.

A cikin 2018, Vox ya ba da rahoton Square kamar yadda ya bayyana cewa sama da mutane miliyan 7 sun yi amfani da Cash App a watan Disamba na 2017. Vox ya kuma bayyana cewa Cash App shine "No. 1 free finance app" a cikin Apple's US iPhone App Store kuma yana "gaba" na PayPal da Venmo.

A watan Oktoba 2020, Square ya sanya kusan 1% na jimlar kadarorinsu ($ miliyan 50) a cikin Bitcoin (4,709 bitcoins), yana mai ambaton Bitcoin ta "mai yiwuwa ya zama kuɗin da ya fi dacewa a nan gaba" a matsayin babban dalilin su. Kamfanin ya sayi kusan bitcoins 3,318 a watan Fabrairun 2021 don farashin kusan dala miliyan 170, wanda ya kawo jimlar mallakar Square zuwa kusan bitcoins 8,027 (daidai da kusan dala miliyan 500 a cikin 2021, a kusa da dala miliyan 481 a watan Yulin 2024). 

### 2021-2022: Canjin sunan, saye
A ranar 2 ga Maris, 2021, Square ta cimma yarjejeniya don samun mafi yawan mallaka a Tidal. Square ya biya dala miliyan 297 a tsabar kudi da hannun jari ga Tidal, tare da Jay-Z ya shiga kwamitin daraktocin kamfanin. Jay-Z, da sauran masu zane-zane waɗanda a halin yanzu suna da hannun jari a Tidal, za su kasance masu Ruwa da tsaki.

A ranar 1 ga Disamba, 2021, Square ta ba da sanarwar cewa za ta canza sunan kamfanin zuwa Block, Inc. a ranar 10 ga Disamba. An sanar da canjin jim kadan bayan Dorsey ya yi murabus a matsayin Shugaba na Twitter. A ranar 10 ga Disamba, 2021, canjin sunan ya fara aiki, kuma Square, Inc. ya zama Block, Inc. .  A ranar 16 ga watan Disamba, kasa da mako guda a cikin sake fasalin, H&amp;amp;R Block, ya kai karar kamfanin saboda keta alamar kasuwanci, yana mai da'awar cewa sunan yana neman rikitar da abokan ciniki ta hanyar ɓata sunan Block, wanda H&R ke da shi. An warware karar a watan Afrilun 2023 lokacin da kamfanonin biyu suka amince da soke karar.

A ranar 31 ga watan Janairun 2022, Block ya kammala sayen Afterpay, sayen Australiya yanzu, biya daga baya (BNPL). 

### 2023-yanzu: Sake daidaita kasuwanci, ƙarin S&P 500
A watan Fabrairun 2023, Afterpay ya sha wahala daga matsalar sabis wanda ya haifar da raguwar kwatsam a cikin iyakokin kashewa ga masu amfani da yawa. Akalla masu amfani 2000 sun ba da rahoton fuskantar matsala tare da sabis ɗin. Afterpay ya amince da matsalar kuma ya ce yana aiki a kan gyara. A ranar 7 da 8 ga Satumba, 2023, Square da Cash App sun sami raguwa, wanda ya shafi dubban masu amfani. Gudanar da biyan kuɗi na katin, biyan kuɗi na tsara da sauran ma'amaloli suna daga cikin ayyukan da suka shafi. A ranar 8 ga Satumba, 2023, Block ya sanar da cewa an warware matsalar sabis ɗin kuma duk tsarin suna aiki da yammacin wannan rana. Har ila yau, ya ce matsalar ta samo asali ne daga wani batu tare da Tsarin Sunan Yankin kamfanin (DNS), kuma bai fito ne daga Harin yanar gizo ba. A cikin mako mai zuwa, Block ya nemi gafara ga abokan cinikinsa kuma ya yarda "wannan yanayin ya zama da wahala ta hanyar sadarwarmu". Don rage haɗarin irin wannan katsewa a nan gaba, kamfanin ya ce ya tura sabon saiti na firewall da canje-canjen uwar garken DNS, fadada damar biyan kuɗi ta waje don haka 'yan kasuwa za su iya karɓar biyan kuɗi a cikin yanayin layi, kuma su sanya ƙarin matakai. Daga baya a cikin watan, Block ya ce a cikin wani tsari na tsari cewa Shugaba na kasuwancin Square, Alyssa Henry, ya shirya barin kamfanin a watan Oktoba 2023, kuma Jack Dorsey, yana aiki a matsayin "Block Head" da Shugaban, zai ɗauki ƙarin matsayi na "Square Head".

A watan Fabrairun 2024, Block ya ba da rahoton shekara-shekara "Gross Payment Volume" na dala biliyan 228 da kuma kudin shiga na shekara-sheko na dala miliyan 9.8 na shekara ta 2023.  A watan Afrilu na shekara ta 2024, CNBC ta ba da rahoton cewa Block ta ba da sanarwar cewa ta gama ci gaban guntu mai ma'adinai na bitcoin guda uku kuma tana cikin aikin aiki ta hanyar ƙira tare da foundry na semiconductor. An kuma bayar da rahoton cewa kamfanin yana haɓaka "cikakken tsarin hakar ma'adinai na bitcoin", yana mai bayyana cewa burinsa shine rarraba samar da kayan aikin hakar ma-adinai na Bitcoin da rarraba hashrate - wakili don gasa ta masana'antu da wahalar hakar maɓuɓɓugar. A wannan bangaren, a cewar CNBC, Block yana warware "babban shingen shiga" wanda ya haifar da wahalar da ke tattare da samar da kayan hakar ma'adinai, farashi mai yawa da isar da ba a iya tsammani ba. A watan Mayu na shekara ta 2024, an gano dandalin Square na kamfanin a matsayin jagorar kasuwa a cikin tsarin sayarwa a Amurka. A watan Yulin 2024, Block ya sanya hannu kan "babban yarjejeniyar kayan aikin hakar ma'adinai na crypto", ya amince da samar da kwakwalwansa ga mai hakar ma-aminamin Bitcoin "Core Scientific". Kamfanin bai bayyana cikakkun bayanai game da yarjejeniyar ba. A watan Satumbar 2024, Block ya ba da sanarwar sake fasalin jagoranci, yana motsa masu gudanarwa da yawa na dogon lokaci zuwa manyan matsayi da ƙirƙirar sabon matsayi da aka mayar da hankali kan lafiyar abokin ciniki. A matsayin wani ɓangare na waɗannan canje-canje, an nada Brian Grassadonia, tsohon Shugaba na Cash App,   a matsayin sabon kamfanin "jagoran yanayin muhalli" don inganta daidaituwa a duk bangarorin kasuwanci na Block.

A watan Oktoba na shekara ta 2024, Bitkey ya bayyana a cikin jerin TIME na "mafi kyawun abubuwan kirkirar 2024".   A watan Nuwamba na shekara ta 2024, Fortune ta ba da rahoton cewa Block yana korar ma'aikata da yawa daga ayyukan Tidal, TBD da Square. A wannan watan, Block ya ba da sanarwar cewa yana "karkatar da" TBD, "scaling back" saka hannun jari a Tidal kuma yana mai da hankali kan albarkatun sa akan shirin hakar ma'adinai na bitcoin da Bitkey, yayin da ya kara da cewa yana "gyara" saka hannun jarin sa bisa ga ci gaba. Kamfanin ya canza tikitin hannun jari daga SQ zuwa XYZ a watan Janairun shekara ta 2025.  

A watan Maris na shekara ta 2025, Block ya sanar da ma'aikata cewa suna da shirye-shiryen yanke kusan ma'aikata 1000.

A ranar 23 ga Yuli, 2025, an kara Block zuwa S&amp;amp;P 500, wanda ya maye gurbin Hess Corporation. 

## Rukunin, kayayyaki, ayyuka

### Yankin
 
Square dandamali ne na biyan kuɗi wanda ke bawa kamfanoni damar karɓar biyan kuɗi na katin kuma su yi amfani da wayoyin salula ko kwamfutoci a matsayin rajistar biyan kuɗi don tsarin sayarwa (POS). Dorsey da McKelvey ne suka kafa dandalin a shekara ta 2009. Square kuma yana ba da ƙarin fasalulluka don sarrafa ayyuka daban-daban ciki har da lissafin ma'aikata da jadawalin canji,   kaya na abokan ciniki,  e-Commerce,   banki da rancen kasuwanci.

A cikin 2022, binciken Yarjejeniya ya nuna cewa kashi 35% na masu mallakar ƙananan kamfanoni na Amurka sun yi amfani da Square, kashi mafi girma fiye da masu fafatawa, yayin da kuma nuna ci gaba da raguwar kasuwar POS. A watan Afrilu na shekara ta 2023, an ruwaito Square yana da 'yan kasuwa miliyan 4 a matsayin abokan cinikinta. Tushen abokin ciniki ya haɗa da ƙananan kamfanoni da matsakaici da kuma manyan. Ya zuwa 2024, dandalin yana samuwa a Amurka, Ostiraliya, Kanada, Faransa, Japan, Jamhuriyar Ireland, Spain da Burtaniya,  kuma shine jagoran kasuwar Amurka a tsarin sayarwa.  

### Aikace-aikacen kuɗi
 
An ƙaddamar da shi a watan Oktoba na shekara ta 2013, Cash App (tsohon Square Cash) walat ne na dijital wanda ke ba da damar aikawa da karɓar kuɗi, saka hannun jari a cikin hannun jari ko bitcoin, da kuma shigar da haraji. A watan Maris na shekara ta 2015, kamfanin ya gabatar da Square Cash don kasuwanci, wanda ya hada da ikon mutane, kungiyoyi, da masu kasuwanci su yi amfani da sunan mai amfani na musamman, wanda aka sani da $cashtag, don aikawa da karɓar kuɗi. Ya zuwa 2023, Cash App kuma yana ba da asusun ajiya da katin zare kudi, da ayyuka kamar ajiya kai tsaye da saka hannun jari a hannun jari da Bitcoin. A watan Maris na shekara ta 2023, *Amurka A Yau* ta ruwaito cewa Cash App ta ba da sabis na biyan haraji kyauta yayin da take gargadi cewa ba ta dace da "kowane yanayin haraji" kuma ba ta ba da "taimako na haraji na rayuwa". A watan Oktoba na 2023, an ruwaito cewa Cash App ya kuma ba masu amfani damar aro har zuwa $ 200 daga aikace-aikacen, kuma "ba kowa ba ne ya cancanci amfani da wannan fasalin".

An gano App din Cash shine aikace-aikacen biyan kuɗi da aka fi so tsakanin manya masu karamin karfi a Amurka,  yana ba da rahoton "masu amfani da kowane wata" miliyan 57 tun daga shekara ta 2024. 

### Bayan biyan kuɗi
Afterpay dandalin biyan kuɗi ne na dijital na Australiya wanda za'a iya biyan samfurin da aka saya a cikin kashi huɗu. Wannan ra'ayin da Nick Molnar mai shekaru goma sha takwas ya yi a shekara ta 2008 an tsara shi ne ga dubban mutane kuma rikicin kudi na shekara ta 2008 ya yi wahayi zuwa gare shi. Molnar da Abokin hulɗa / Co-kafa Anthony Eisen sun ƙaddamar da dandalin su a cikin 2014 kuma a cikin shekaru huɗu samfurin su ya kai kusan dala biliyan 3.3. A watan Fabrairun 2020, an ruwaito Afterpay yana da abokan ciniki masu aiki miliyan 3.6 a Amurka, miliyan 3.1 a Ostiraliya da New Zealand, da 600,000 a Burtaniya. A cewar ABC News (Australia)  a watan Agustan 2021, Afterpay yana da ayyuka a Amurka, Kanada da New Zealand, da kuma a Burtaniya, Faransa, Italiya da Spain a matsayin Clearpay .  A cikin wannan watan, Afterpay da Block sun ba da sanarwar cewa Block zai sayi Afterpay. Block ya biya dala biliyan 29 a hannun jari don saye kuma an kammala aikin a watan Janairun 2022. Molnar da Eisen sun ci gaba da jagorantar kasuwancin kasuwanci da masu amfani da Afterpay bayan sayen. A cikin 2024, an inganta Molnar zuwa matsayin "shugaban tallace-tallace", yana jagorantar duk ayyukan tallace-tafiye a Block yayin da yake ba da rahoto ga Dorsey.

Ya zuwa 2023, Afterpay yana hidimtawa masu amfani da miliyan 24 da 'yan kasuwa 348,   suna sarrafa dala biliyan 27.3 a cikin biyan kuɗi a kowace shekara. Har ila yau, yana cikin ayyukan BNPL guda uku da aka fi amfani da su a duniya.

### Mai zomo
A watan Disamba na shekara ta 2023, Block ya ƙaddamar da Bitkey, wani walat na kayan aikin Bitcoin mai kula da kansa, a cikin kasashe 95 ciki har da Amurka, Burtaniya, Kanada, Najeriya, Argentina, Mexico, da Indiya. Waƙoƙin suna bawa masu saka hannun jari damar mallakar, sarrafawa da adana Bitcoin ba tare da dogaro da musayar ɓangare na uku ba ko masu kula. Bitkey ya haɗa da aikace-aikacen hannu, na'urar kayan aiki, da saitin kayan aikin dawowa idan abokin ciniki ya rasa wayar, kayan aikin su ko duka biyun. Waƙoƙin ba za su iya samun dama ko motsa Bitcoin na abokin ciniki ba tare da su ba. A watan Oktoba na shekara ta 2024, TIME ta kira Bitkey a matsayin daya daga cikin "mafi kyawun abubuwan kirkirar shekara ta 2024".  

### Farko
Proto shine tsarin hakar ma'adinai na bitcoin na Block. A watan Afrilu na shekara ta 2024, kamfanin ya ba da sanarwar cewa yana gina tsarin hakar ma'adinai na bitcoin, da nufin rarraba duka samar da kayan aikin hakar ma-adinai na Bitcoin da rarraba hashrate. Kamfanin ya kuma ce ya gama haɓaka kansa mai zaman kansa mai nau'i uku na Bitcoin kuma yana kammala ƙirar tare da foundry na semiconductor. A watan Yulin 2024, Block ya sanya hannu kan yarjejeniya don samar da kwakwalwansa ga mai hakar ma'adinai na bitcoin "Core Scientific".   A watan Fabrairun 2025, kamfanin ya bayyana cewa yana kera kwakwalwa tare da fitar da tsare-tsare daga baya a cikin shekarar, tare da tsarin hakar ma'adinai. Kamfanin ya kuma ce yana sa ran Proto zai ba da gudummawa ga ci gaban kasuwancin Block a rabi na biyu na shekara ta 2025. 

### Ruwa
Tidal is a high-definition music streaming service with a catalog of over 100 million songs across various genres. It only offers a subscription based plan. Originally launched in 2014 by Aspiro, a Norwegian company, Tidal was purchased in 2015 by American rapper Jay-Z for $56 million, reportedly to "give artists more control over the distribution of their music". At that time, Tidal was available in the U.S., Canada, the U.K., Republic of Ireland, Finland, the Netherlands, Belgium and Luxembourg. In 2021, Block took majority ownership of Tidal for $297 million, stating it aimed to find "new ways for artists to support their work" and to create "tools that can help support musicians' businesses". Tidal was then operating in a streaming market dominated by Spotify and others, and was paying "better royalty rates" to artists than its rivals including Spotify. In May 2023, Wired reported that Tidal's “Direct Artist Payouts” scheme, in which up to 10 percent of a user's subscription fee was delivered to the artists they listened to most, had been discontinued in 2022. According to Wired, the scheme was "thoughtful" and supportive of bands and artists, and its closure reduced some of Tidal's market differentiation. In November 2024, Block announced it was "scaling back" investments in Tidal after reports emerged that the company was laying off Tidal employees. Block added it was eliminating Tidal's product management and product marketing functions entirely and that Tidal would become a smaller entity, focusing on fewer areas while emphasizing product development.

### Rashin ƙarfi
Weebly sabis ne na karɓar bakuncin yanar gizo wanda ke bawa masu amfani damar ƙirƙirar da sarrafa shafukan yanar gizo ta hanyar jan hankali da saukewa. Yana ba da samfuran da za a iya keɓancewa da kayan aikin e-commerce, suna ba da abinci ga ƙananan kamfanoni da shafukan yanar gizo na sirri. An kafa shi a shekara ta 2006 da David Rusenko, Chris Fanini, da Dan Veltri, Weebly an fara kirkirar shi ne don sauƙaƙa kirkirar gidan yanar gizon ga masu amfani da ba na fasaha ba. A cikin 2018, Square (yanzu Block, Inc.) ya sami Weebly don dala miliyan 365, yana haɗa ayyukansa tare da biyan kuɗi da hanyoyin kasuwanci na Square.   A lokacin sayen, Weebly ya dauki bakuncin masu biyan kuɗi sama da 625,000 kuma yana da shafuka sama da miliyan 40 da aka gina a dandalin sa. Duk da gasa daga dandamali kamar Wix da Squarespace, Weebly ya ci gaba da kasancewa mai amfani mai ƙarfi saboda sauƙin amfani da farashi mai araha. A cikin 2021, Block ya ba da sanarwar shirye-shiryen haɗa Weebly tare da dandalin Square Online, yana fitar da alamar Weebly don tallafawa haɗin kasuwancin e-commerce.   Ya zuwa 2023, canjin ya cika, tare da masu amfani da Weebly na yanzu sun yi ƙaura zuwa Square Online yayin da suke riƙe da damar yin amfani da manyan fasalulluka na Weebly. Masu sharhi sun lura cewa sake fasalin ya yi niyya ne don daidaita kayan aikin Block amma ya bar wasu masu amfani da Weebly na dogon lokaci ba su gamsu da canje-canjen ba.

## Kasuwanci
Block received angel investments from Marissa Mayer, Kevin Rose, Biz Stone, Dennis Crowley, Shawn Fanning, MC Hammer, and Esther Dyson.&#x5B;**&#x5D; Since then, it has raised several additional rounds of funding:

* Jerin tallafi daga Khosla Ventures 
* Tallafin Series B daga Sequoia Capital 
* Tallafin jerin C daga Kleiner Perkins 
* Jerin D tallafi daga Citi Ventures, Rizvi Traverse Management, da Starbucks 
* Tallafin jerin E daga Goldman Sachs, Rizvi Traverse Management, da GIC Private Limited 

Kudin kamfanin a watan Oktoba 2014 ya kai dala biliyan 6. A ranar 19 ga Nuwamba, 2015, Block yana da IPO a kan Kasuwancin Kasuwancin New York tare da kimantawa na farko na dala biliyan 2.9, ya ragu da fiye da rabi daga kimantawa ta ƙarshe a watan Oktoba 2014 a dala biliyan 6. Jerin hannun jari na E yana da hakkoki daban-daban fiye da hannun jari na yau da kullun da aka siyar a IPO, saboda haka 'darajar' biliyan 6 daga Oktoba 2014 ba daidai ba ne. Kodayake kamfanin bai riga ya sami riba ba har zuwa 2015 kuma ya rasa dala miliyan 420 tun 2012, ya rage asararsa daga 44% na kudaden shiga zuwa 16% a cikin watanni shida da suka kai ga IPO. A cikin shekara ta 2018, Block ya ba da rahoton asarar dala miliyan 38, tare da kudaden shiga na shekara-shekara na dala biliyan 3.299, karuwar kashi 49.0% akan sake zagayowar kasafin kudi na baya. Kamfanin ya ba da rahoton dala biliyan 24.12 a cikin kudaden shiga, dala miliyan 892 a cikin kudade na aiki, dala biliyan 2.9 a cikin kudine na kudaden shiga da dala biliyan 240.81 a cikin jimlar biyan kuɗi (GPV) na shekara ta 2024. Har ila yau, ya bayyana cewa yana da ma'aikata 11,372, dala biliyan 36.78 a cikin jimlar kadarori da dala biliyan 21.27 a cikin jimillar masu hannun jari a ƙarshen shekara.

## Kasuwanci

### Ayyuka

Block ya samo asali ne daga mahaliccin Twitter Jack Dorsey a ƙarƙashin sunan Square .  Dorsey kuma tana aiki a matsayin babban jami'in zartarwa kuma Amrita Ahuja tana aiki a matsayinta na babban jami'an kudi. Ofishin Block yana cikin San Francisco. Kamfanin yana da ma'aikata sama da 5,000.

Tsarin biyan kuɗi na Block, Square, yana samuwa a Amurka tun 2010 kuma kamfanin ya ƙaddamar a Kanada a ƙarshen 2012.  A watan Maris na 2020, Square ta aiwatar da aiki mai nisa saboda annobar COVID-19. A watan Mayu 2020, Square ta ba da sanarwar cewa za a ba wasu daga cikin ma'aikatanta damar zama Ma'aikata masu nisa na dindindin. Ya zuwa 2021, kodayake sawun dukiyar Block ya kasance ba shi da lalacewa, ba su da wurin da aka tsara hedkwatar.

### Tallafi da saye
A watan Agustan 2014, Victory Park Capital, wani kamfani na gudanar da kadarori, ya saka hannun jari a Square Capital .  A watan Mayu na shekara ta 2015, Square Capital ta tara ƙarin kudade, tare da Victory Park Capital ta ninka saka hannun jari na farko sau uku. Ya zuwa 2016, Square ta ba da rancen dala biliyan 1 ga kamfanoni ta hanyar Square Capital tun lokacin da aka fara shirin. A ranar 19 ga Nuwamba, 2015, Square Inc. ya zama kamfani na jama'a ta hanyar tayin jama'a na farko.   A ranar 19 ga Afrilu, 2018, Square ta ba da sanarwar cewa ta sami Zesty, sabis na isar da abinci wanda ke ba da abinci ga ofisoshin kamfanoni. A ranar 26 ga Afrilu, 2018, Square ta ba da sanarwar cewa za ta sayi Weebly, sabis na ginin yanar gizo, na dala miliyan 365.  A watan Mayu na shekara ta 2019, Square ta ba da sanarwar cewa ta sami Eloquent Labs, farawa na wucin gadi wanda ke taimakawa inganta kwarewar sabis na abokin ciniki.

A watan Fabrairun 2020, Square ta ba da sanarwar Ruwa ta sami Dessa, kamfanin ilmantarwa mai zurfi na Toronto. A watan Nuwamba 2020, Square ta ba da sanarwar cewa tana samun Harajin Credit Karma, sabis na biyan haraji kyauta, daga Credit Karma don dala miliyan 50 kuma zai sanya shi wani ɓangare na Cash App. A watan Maris na 2021, Square ta ba da sanarwar cewa tana samun rinjaye a dandalin watsa shirye-shiryen kiɗa Tidal don dala miliyan 293 a cikin yarjejeniyar hannun jari da tsabar kudi. A cikin wannan watan, tallace-tallace na Square Q1 ya karu da 266% yayin da ma'amaloli suka tsalle a cikin farfadowar tattalin arziki. A watan Agustan 2021, Square ta ba da sanarwar sayen Afterpay, kamfani da ke ba da sabis na "saya yanzu, biya daga baya". Square ta kammala yarjejeniyar dala biliyan 29 a ranar 31 ga watan Janairun 2022.

## Rashin jituwa

### Zarge-zargen ayyukan da ba bisa ka'ida ba
A ranar 23 ga Maris, 2023, kamfanin bincike na saka hannun jari na Hindenburg Research ya bayyana wani ɗan gajeren matsayi a Block, wanda ya haifar da raguwar kashi 15% a hannun jarin kamfanin a wannan rana. Zargin Hindenburg na Block sun haɗa da wuce gona da iri na masu amfani, rashin hana zamba da ayyukan da ba bisa ka'ida ba a kan Cash App, da kuma ba da izinin yin kama da manyan mutane. Har ila yau, ya rubuta a cikin rahotonsa cewa Block "ya karɓi kyaututtuka masu cin zarafi da ayyukan bin mafi munin ayyuka don haɓaka da riba daga sauƙaƙe zamba ga masu amfani da gwamnati".

Block ya amsa zarge-zargen a cikin sanarwar manema labarai yana cewa, "Muna da niyyar yin aiki tare da SEC da bincika matakin shari'a a kan Hindenburg Research don rahoton da ba daidai ba ne da yaudara da suka raba game da kasuwancinmu na Cash App a yau".

NBC News ta ruwaito a watan Mayu na shekara ta 2024 cewa masu gabatar da kara a Kudancin Gundumar New York suna nazarin ma'amaloli na kudi da ayyukan ciki a Block, wanda ya samo asali ne daga zargin da ake yi a cikin Square da Cash App. A cewar rahoton, kamfanin ya yi zargin ya kasa tattara isasshen bayani daga abokan ciniki, aiwatar da ma'amaloli da suka shafi ƙasashe da ke ƙarƙashin takunkumin tattalin arziki, da kuma aiwatar da ma ma'am'amaloli na cryptocurrency ga kungiyoyin ta'addanci. A watan Nuwamba na shekara ta 2024, Block ya bayyana a cikin rahoton samun kudin shiga na Yuli-Satumba na shekara ta 2024 cewa yana tattaunawa kan yiwuwar sasantawa tare da masu kula da jihohi da yawa waɗanda suka bincika shirin yaki da kudade na kamfanin. Bugu da ƙari, Block ya bayyana cewa yana tattaunawa game da yiwuwar sasantawa tare da Ofishin Kare Kudi na Abokin Ciniki (CFPB) a cikin batutuwa da suka haɗa da waɗanda suka shafi yadda Cash App ke kula da korafe-korafe da rikice-rikice na abokan ciniki. Kamfanin ya kara da cewa ya tara alhakin kimanta adadin dangane da kowane sasantawa kuma adadin bai kasance kayan aiki ba ga bayanan kudi na kamfanin har zuwa ranar 30 ga Satumba, 2024.

## Bayani


## Manazarta

## Haɗin waje