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COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($) $ in Millions | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | ---
Other Commitments [Line Items] |  |
Deferred purchase agreement, borrowings by client | $ 166 | $ 143
Deferred purchase agreement, receivables with credit risk | 1,740 | 1,920
Deferred purchase agreement, line of credit facility, maximum borrowing capacity | 59 | 161
Loss contingency (up to) | 10 |
Off-Balance Sheet Commitment |  |
Other Commitments [Line Items] |  |
Credit related commitments | $ 79 | $ 66

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