CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Statement [Abstract]
Revenue	$ 2,186,770	$ 1,673,269	$ 1,278,455
Cost of revenue	263,047	207,511	219,737
Gross profit	1,923,723	1,465,758	1,058,718
Operating expenses:
Transaction and risk losses	407,323	219,687	152,375
Member support and operations	457,978	286,856	272,755
Sales and marketing	635,384	519,760	443,806
Technology and development	934,925	309,575	259,001
General and administrative	512,113	177,229	154,945
Depreciation and amortization	15,979	14,850	11,621
Total operating expenses	2,963,702	1,527,957	1,294,503
Loss from operations	(1,039,979)	(62,199)	(235,785)
Other income, net	30,874	39,465	32,817
Income (loss) before income taxes	(1,009,105)	(22,734)	(202,968)
Provision for income taxes	831	2,610	234
Net loss	$ (1,009,936)	$ (25,344)	$ (203,202)
Net loss per share, basic (in usd per share)	$ (4.27)	$ (0.39)	$ (3.22)
Net loss per share, diluted (in usd per share)	$ (4.27)	$ (0.39)	$ (3.22)
Weighted average number of common shares outstanding used to compute net loss per share, basic (in shares)	236,270,347	64,910,056	63,104,219
Weighted average number of common shares outstanding used to compute net loss per share, diluted (in shares)	236,270,347	64,910,056	63,104,219