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Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Operating activities    
Net income $ 129,924 $ 41,067
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 5,038 5,339
Provision for credit losses 65,744 37,988
Changes in fair value of earnout liabilities 2,655 116
Changes in fair value of public and private warrant liabilities 11,657 408
Gain on extinguishment of convertible debt 0 (33,442)
Stock-based compensation 23,011 27,195
Deferred income taxes (30,277)  
Non-cash interest 0 251
Non-cash lease expense (29) (16)
Changes in fair value of marketable securities and investments 99 (47)
Changes in operating assets and liabilities:    
ExtraCash receivables, service based revenue (12,614) (3,651)
Prepaid income taxes 0 148
Prepaid expenses and other current assets (9,806) (6,020)
Accounts payable 1,073 2,851
Accrued expenses (1,424) 4,486
Legal settlement accrual 9,038 3,842
Other current liabilities 538 91
Other non-current liabilities 2,116 2,829
Other non-current assets (12) (12)
Net cash provided by operating activities 196,731 83,423
Investing activities    
Payments for internally developed software costs (4,805) (5,522)
Purchase of property and equipment (226) (212)
Net originations, purchases and collections of ExtraCash receivables (145,567) (87,024)
Purchase of investments (169,732) (74,815)
Sale and maturity of investments 168,314 147,689
Purchase of marketable securities (3) (59,273)
Sale of marketable securities 100 60,129
Net cash used in investing activities (151,919) (19,028)
Financing activities    
Repurchases of Class A common stock (31,890) 0
Proceeds from issuance of common stock for stock option exercises 750 893
Payment of taxes for shares withheld related to net share settlement (13,319) 0
Payment of costs for extinguishment of convertible debt 0 (761)
Repayment of borrowings on convertible debt, long-term 0 (71,000)
Net cash used in financing activities (44,459) (70,868)
Net increase (decrease) in cash and cash equivalents and restricted cash 353 (6,473)
Cash and cash equivalents and restricted cash, beginning of the period 51,377 43,078
Cash and cash equivalents and restricted cash, end of the period 51,730 36,605
Supplemental disclosure of non-cash investing and financing activities:    
Property and equipment purchases in accounts payable and accrued liabilities 0 4
Accrued excise taxes for repurchases of Class A common stock 319 0
Supplemental disclosure of cash paid for:    
Income taxes 1,604 104
Interest 5,249 5,833
The following table provides a reconciliation of cash and cash equivalents, and restricted cash reported within the condensed consolidated balance sheet with the same as shown in the condensed consolidated statement of cash flows    
Cash and cash equivalents 49,889 35,059
Restricted cash 1,841 1,546
Total cash, cash equivalents, and restricted cash, end of the period $ 51,730 $ 36,605