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Condensed Consolidated Statements of Operations - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Operating revenues:        
Revenues $ 150,725 $ 92,489 $ 390,461 $ 246,236
Operating expenses:        
Provision for credit losses 29,846 13,680 65,744 37,988
Processing and servicing costs 9,404 8,398 23,561 23,351
Financial network and transaction costs 7,378 6,237 21,644 19,087
Advertising and activation costs 18,911 14,925 46,297 38,745
Compensation and benefits 24,842 30,439 78,523 79,019
Technology and infrastructure 3,192 2,848 8,812 8,352
Other operating expenses 11,254 13,412 23,751 26,076
Total operating expenses 104,827 89,939 268,332 232,618
Other (income) expenses:        
Interest income (294) (439) (1,313) (2,471)
Interest expense 1,789 1,964 5,324 6,146
Gain on extinguishment of convertible debt     0 (33,442)
Changes in fair value of earnout liabilities (4,841) (17) 2,655 116
Changes in fair value of public and private warrant liabilities (9,186) 203 11,657 408
Total other (income) expense, net (12,532) 1,711 18,323 (29,243)
Net income before provision (benefit) for income taxes 58,430 839 103,806 42,861
Provision (benefit) for income taxes (33,642) 373 (26,118) 1,794
Net income $ 92,072 $ 466 $ 129,924 $ 41,067
Net income per share:        
Basic $ 6.84 $ 0.04 $ 9.76 $ 3.3
Diluted $ 6.34 $ 0.03 $ 8.96 $ 3.02
Weighted-average shares used to compute net income per share        
Basic 13,457,671 12,639,294 13,317,504 12,426,122
Diluted 14,525,301 13,932,652 14,492,827 13,587,377
Service based revenue, net [Member]        
Operating revenues:        
Revenues $ 139,229 $ 83,390 $ 358,673 $ 220,603
Transaction based revenue, net [Member]        
Operating revenues:        
Revenues $ 11,496 $ 9,099 $ 31,788 $ 25,633