Consolidated Statements of Operations and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands		3 Months Ended
		Mar. 31, 2025	Mar. 31, 2024
Revenues [Abstract]
Total revenue		$ 104,912	$ 46,979
Operating Expenses
Personnel		15,048	11,025
Transaction expense		15,317	11,787
Third-party technology and data		3,374	2,157
Marketing, advertising, and tradeshows		5,346	655
General and administrative		3,131	2,380
Provision for credit losses		12,801	5,140
Total operating expenses		55,017	33,144
Operating Income		49,895	13,835
Other Income (Expense)
Net interest expense		(2,914)	(4,081)
Other income (expense), net		25	(92)
Fair value adjustment on warrants		0	(1,262)
Income before taxes		47,006	8,400
Income tax expense		10,842	393
Net Income		36,164	8,007
Other Comprehensive Income
Foreign currency translation adjustment		93	1
Total Comprehensive Income		$ 36,257	$ 8,008
Net income per share
Basic (in usd per share)	[1]	$ 1.07	$ 0.24
Diluted (in usd per share)	[1]	$ 1.00	$ 0.22
Weighted-average shares outstanding
Basic (in shares)	[1]	33,852	33,961
Diluted (in shares)	[1]	36,171	35,765

[1] Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, affected through a stock dividend. Share and per-share amounts have been retroactively adjusted.