Does the Fourth Amendment permit warrantless searches of customer records held by third-party service providers if the records are contractually owned by the customer, or if those records enable surveillance of future behavior?

The Internal Revenue Service used a subpoena to obtain without a warrant from a cryptocurrency exchange three years of transaction records concerning over 14,000 of the exchange’s customers, including Petitioner James Harper’s records. Mr. Harper’s contract with the exchange made clear that the records belonged to him and that the exchange would protect his privacy. The transaction records at issue opened an especially intimate window into Harper’s life because they not only revealed his historical cryptocurrency transactions but also enabled tracking of his transactions into the future. The court below relied on the third-party doctrine to hold that IRS’s warrantless search and seizure of Harper’s financial records did not violate the Fourth Amendment. The question presented is: Does the Fourth Amendment permit warrantless searches of customer records held by third-party service providers if the records are contractually owned by the customer, or if those records enable surveillance of future behavior? If not, does the third-party doctrine need to be discarded or modified to prevent such searches?