CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Revenues:
Net interest revenues	$ 357	$ 285	$ 647	$ 539
Total net revenues	989	682	1,916	1,300
Operating expenses:
Brokerage and transaction	48	40	98	75
Technology and development	214	209	428	405
Operations	29	28	60	56
Provision for credit losses	28	18	52	34
Marketing	99	64	204	131
General and administrative	132	134	265	252
Total operating expenses	550	493	1,107	953
Other income, net	3	2	4	6
Income before income taxes	442	191	813	353
Provision for income taxes	56	3	91	8
Net income	386	188	722	345
Net income attributable to common stockholders:
Basic	386	188	722	345
Diluted	$ 386	$ 188	$ 722	$ 345
Net income per share attributable to common stockholders:
Basic (in dollars per share)	$ 0.44	$ 0.21	$ 0.82	$ 0.39
Diluted (in dollars per share)	$ 0.42	$ 0.21	$ 0.79	$ 0.38
Weighted-average shares used to compute net income per share attributable to common stockholders:
Basic (in shares)	882,149,402	881,076,624	883,356,794	878,198,015
Diluted (in shares)	909,127,658	904,490,572	911,013,005	900,026,613
Transaction-based revenues
Revenues:
Transaction-based revenues and other revenues	$ 539	$ 327	$ 1,122	$ 656
Other revenues
Revenues:
Transaction-based revenues and other revenues	$ 93	$ 70	$ 147	$ 105