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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Cash Flows from Operating Activities    
Net loss $ (36,949,626) $ (47,647,611)
Adjustment to reconcile net loss to cash used in operating activities:    
Change in fair value of convertible promissory notes 0 14,571,109
Change in fair value of warrant liabilities (7,497,500) 7,783,000
Change in fair value of earn-out liabilities (510,000) (450,000)
Share-based compensation 16,855,006 2,095,889
Realized gain on short term investment 0 (173,644)
Amortization of step-up in loans held for investment 501,112 0
Provision for credit losses on loans held for investment 549,985 0
Origination of loans and leases for resale (17,315,173) 0
Proceeds from sale of loans and leases for resale 19,689,911 0
Gain on sale of loans and leases (2,374,738) 0
Depreciation and amortization 2,202,561 2,004,319
Non-cash operating lease expense 314,577 129,216
Interest expense 0 58,455
Changes in operating assets and liabilities:    
Accounts receivable (722,139) (67,604)
Prepaid expenses and other current assets 65,810 (681,471)
Inventory (61,533) (1,476,085)
Deposits (12,033) (70,202)
Accounts payable (1,577,703) 2,597,462
Accrued expenses (322,928) 2,845,964
Deferred revenue 346,215 199,304
Operating lease payments (309,238) (130,429)
Net cash used in operating activities (27,127,434) (18,412,328)
Cash flows from Investing Activities    
Software development costs (2,818,954) (1,840,066)
Principal paydowns on loans held for investment 8,897,046 0
Disbursements for loans held for investment (7,168,697) 0
Acquisition of businesses, net of cash acquired 141,215 0
Purchase of short-term investments 0 (10,049,870)
Proceeds from the sale of short-term investments 0 10,223,514
Purchase of intangible assets and trademarks 0 (86,600)
Purchases of property and equipment 0 (113,065)
Net cash used in investing activities (949,390) (1,866,087)
Cash flows from Financing Activities    
Proceeds from convertible note payable, related party (Note 12) 20,000,000 0
Proceeds from convertible note payable 0 22,500,000
Proceeds from reverse recapitalization 0 18,104,194
Proceeds from issuance of common stock under stock plans, net of shares withheld for employee taxes (485,904) 0
Proceeds from the issuance of common stock 0 2,600,125
Repayments on revolving line of credit (2,207,536) 0
Repayment of subscription payable 0 (400)
Net cash provided by financing activities 17,306,560 43,203,919
Net (decrease) increase in cash and cash equivalents (10,770,264) 22,925,504
Cash, cash equivalents and restricted cash beginning of period 16,446,030 2,330,405
Cash, cash equivalents and restricted cash end of the period 5,675,766 25,255,909
Cash and cash equivalents 4,709,237 25,255,909
Restricted cash 966,529 0
Total cash, cash equivalents and restricted cash, end of the period 5,675,766 25,255,909
Supplemental Non-Cash Investing and Financing Activity    
Promissory notes, inclusive of accrued interest, converted to equity 0 37,294,023
Initial recognition of earn-out liability 0 2,400,000
Acquisition of warrant liability 0 8,816,500
Prepaid expenses assumed in connection with Business Combination 0 2,570,594
Liabilities assumed in connection with Business Combination 0 92,929
Liabilities paid through the trust 0 1,778,672
Accrued variable compensation settled with RSU grants 411,878 0
Shares issued in connection with Credova Merger 14,137,606 0
Note Exchange in connection with Credova Merger 8,449,500 0
Stock for stock transfer $ 0 $ 1,334,858