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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Cash flows from operating activities:    
Net income $ 188,722 $ 470,820
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 88,948 97,640
Amortization of discounts and premiums and other non-cash adjustments (265,168) (266,991)
Non-cash lease expense 14,369 14,512
Share-based compensation 315,236 311,168
Loss on revaluation of equity investments 126 1,111
Remeasurement loss (gain) on bitcoin investment 93,351 (233,404)
Transaction, loan, and consumer receivable losses 169,689 165,729
Change in deferred income taxes 7,599 (7,984)
Purchases and originations of loans (5,032,615) (3,010,609)
Proceeds from payments and forgiveness of loans 4,721,581 2,824,953
Changes in operating assets and liabilities:    
Settlements receivable (88,267) (542,070)
Customers payable 164,904 465,891
Settlements payable (330) (7,341)
Other assets and liabilities (244,809) 205,970
Net cash provided by operating activities 133,336 489,395
Cash flows from investing activities:    
Purchases of marketable debt securities (162,188) (184,048)
Proceeds from maturities of marketable debt securities 147,508 204,737
Proceeds from sale of marketable debt securities 265,191 327,128
Payments for originations of consumer receivables (6,898,769) (6,095,104)
Proceeds from principal repayments and sales of consumer receivables 7,602,325 6,824,596
Purchases of property and equipment (31,882) (31,998)
Purchases of other investments (7,477) (2,924)
Net cash provided by investing activities 914,708 1,042,387
Cash flows from financing activities:    
Payments to redeem convertible notes (1,000,624) 0
Proceeds from warehouse facilities borrowings 222,824 160,587
Repayments of warehouse facilities borrowings (1,091,137) (790,592)
Proceeds from the exercise of stock options and purchases under the employee stock purchase plan 2,283 19,943
Net increase in interest-bearing deposits 34,463 18,650
Repurchases of common stock (445,298) (252,095)
Change in customer funds, restricted from use in the Company's operations 1,065,857 875,916
Net cash provided by (used in) financing activities (1,211,632) 32,409
Effect of foreign exchange rate on cash and cash equivalents 22,249 (41,755)
Net increase (decrease) in cash, cash equivalents, restricted cash, and customer funds (141,339) 1,522,436
Cash, cash equivalents, restricted cash, and customer funds, beginning of the period 13,230,512 9,009,087
Cash, cash equivalents, restricted cash, and customer funds, end of the period 13,089,173 10,531,523
Reconciliation of cash, cash equivalents, restricted cash, and customer funds:    
Cash and cash equivalents 7,088,831 5,753,436
Short-term restricted cash 681,774 660,153
Long-term restricted cash 69,838 71,588
Customer funds cash and cash equivalents 5,248,730 4,046,346
Total $ 13,089,173 $ 10,531,523