v3.25.2
Segment Information - Summary of Financial Information with Respect to the Company's Single Operating and Reportable Segment (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jan. 29, 2024
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Operating revenues:          
Revenues   $ 131,757 $ 80,117 $ 239,736 $ 153,747
Operating expenses:          
Provision for credit losses   25,295 14,365 35,898 24,308
Processing and servicing costs   7,170 7,499 14,157 14,953
Financial network and transaction costs   7,227 6,495 14,266 12,850
Advertising and activation costs   15,456 12,883 27,386 23,820
Stock-based compensation   8,300 7,700 15,800 13,800
Technology and infrastructure   2,894 2,809 5,620 5,504
Other operating expenses   6,203 6,152 12,497 12,664
Total operating expenses   90,675 74,448 163,505 142,679
Other (income) expenses:          
Interest income   (588) (537) (1,019) (2,032)
Interest expense   1,777 1,965 3,535 4,182
Gain on extinguishment of convertible debt $ (33,400)     0 (33,442)
Changes in fair value of earnout liabilities   7,894 (63) 7,496 133
Changes in fair value of public and private warrant liabilities   20,491 (272) 20,843 205
Total other expense (income), net   29,574 1,093 30,855 (30,954)
Net income before provision (benefit) for income taxes   11,508 4,576 45,376 42,022
Provision (benefit) for income taxes   2,468 (1,782) 7,524 1,421
Net income   9,040 6,358 37,852 40,601
Service based revenue, net [Member]          
Operating revenues:          
Revenues   121,593 71,651 219,444 137,213
Transaction based revenue, net [Member]          
Operating revenues:          
Revenues   10,164 8,466 20,292 16,534
Operating Segments [Member]          
Operating revenues:          
Revenues   131,757 80,117 239,736 153,747
Operating expenses:          
Provision for credit losses   25,295 14,365 35,898 24,308
Processing and servicing costs   7,170 7,499 14,157 14,953
Financial network and transaction costs   7,227 6,495 14,266 12,850
Advertising and activation costs   15,456 12,883 27,386 23,820
Employee salaries   11,779 10,984 23,467 22,751
Stock-based compensation   8,285 7,706 15,802 13,836
Other compensation and benefits   6,366 5,555 14,412 11,993
Technology and infrastructure   2,894 2,809 5,620 5,504
Other operating expenses   6,203 6,152 12,497 12,664
Total operating expenses   90,675 74,448 163,505 142,679
Other (income) expenses:          
Interest income   (588) (537) (1,019) (2,032)
Interest expense   1,777 1,965 3,535 4,182
Gain on extinguishment of convertible debt         (33,442)
Changes in fair value of earnout liabilities   7,894 (63) 7,496 133
Changes in fair value of public and private warrant liabilities   20,491 (272) 20,843 205
Total other expense (income), net   29,574 1,093 30,855 (30,954)
Net income before provision (benefit) for income taxes   11,508 4,576 45,376 42,022
Provision (benefit) for income taxes   2,468 (1,782) 7,524 1,421
Net income   9,040 6,358 37,852 40,601
Operating Segments [Member] | Service based revenue, net [Member]          
Operating revenues:          
Revenues   121,593 71,651 219,444 137,213
Operating Segments [Member] | Transaction based revenue, net [Member]          
Operating revenues:          
Revenues   $ 10,164 $ 8,466 $ 20,292 $ 16,534