CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Revenues:
Net interest revenues	$ 456	$ 274	$ 1,103	$ 813
Total net revenues	1,274	637	3,190	1,937
Operating expenses:
Brokerage and transaction	56	39	154	114
Technology and development	237	205	665	610
Operations	33	27	93	83
Provision for credit losses	26	23	78	57
Marketing	102	59	306	190
General and administrative	185	133	450	385
Total operating expenses	639	486	1,746	1,439
Other income (loss), net	(1)	2	3	8
Income before income taxes	634	153	1,447	506
Provision for income taxes	78	3	169	11
Net income	556	150	1,278	495
Net income attributable to common stockholders:
Basic	556	150	1,278	495
Diluted	$ 556	$ 150	$ 1,278	$ 495
Net income per share attributable to common stockholders:
Basic (in dollars per share)	$ 0.63	$ 0.17	$ 1.44	$ 0.56
Diluted (in dollars per share)	$ 0.61	$ 0.17	$ 1.39	$ 0.55
Weighted-average shares used to compute net income per share attributable to common stockholders:
Basic (in shares)	889,261,220	884,108,545	885,346,564	880,182,573
Diluted (in shares)	917,940,660	905,544,750	918,606,063	903,555,592
Transaction-based revenues
Revenues:
Transaction-based revenues and other revenues	$ 730	$ 319	$ 1,852	$ 975
Other revenues
Revenues:
Transaction-based revenues and other revenues	$ 88	$ 44	$ 235	$ 149