Block (SQ) Q4-25 earnings: The AI workforce purge & monetizing shadow credit scores

Block's Q4 2025 results sparked a massive 23% stock surge as the company leans on proprietary AI to slash its workforce and quietly pivots Cash App into a major shadow-banking operation. In ~10 minutes:- How the internal "Goose" AI triggered 4,000+ job cuts. 🤖- Taking $18.5B in consumer loan risk onto their balance sheet.- Why Wall Street wants to buy the proprietary "Cash App Score."- The $234M Bitcoin accounting hit masking core operational growth.While legacy credit bureaus ignore the gig economy, Block is capitalizing on its payment transaction data to underwrite the "modern earner." But by shifting consumer lending directly onto its own books, the company is absorbing serious recession risk just as it completely re-architects its corporate structure for the AI age.Block, Inc. (SQ) | Q4 FY2025AI-assisted production. Feedback/ticker requests: https://x.com/EarnUnscripted.