Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Operating activities
Net loss	$ (14,025)	$ (32,795)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation and amortization	1,200	1,158
Provision for credit losses	11,953	13,785
Changes in fair value of derivative asset on loans to stockholders	0	5,572
Changes in fair value of earnout liabilities	(25)	(2,040)
Changes in fair value of warrant liabilities	(146)	4,065
Stock-based compensation	6,774	3,190
Non-cash interest	759	(63)
Non-cash lease expense	(6)	(23)
Changes in fair value of marketable securities and short-term investments	440	76
Changes in operating assets and liabilities:
Member advances, service based revenue	216	(1,618)
Prepaid income taxes	7	22
Prepaid expenses and other current assets	(4,061)	(4,847)
Accounts payable	(6,891)	2,489
Accrued expenses	2,617	(1,039)
Legal settlement accrual	(5,749)	0
Other current liabilities	(129)	(125)
Other non-current liabilities	0	(321)
Other non-current assets	137	2
Net cash used in operating activities	(6,929)	(12,512)
Investing activities
Payments for internally developed software costs	(1,946)	(2,258)
Purchase of property and equipment	(264)	(228)
Net disbursements and collections of Member advances	11,853	(24,967)
Purchase of short-term investments	(5,082)	0
Sale and maturity of short-term investments	65,390	0
Purchase of marketable securities	(34,145)	(302,115)
Sale of marketable securities	0	32,000
Net cash provided by (used in) investing activities	35,806	(297,568)
Financing activities
Proceeds from PIPE offering	0	195,000
Proceeds from escrow account	0	29,688
Payment of issuance costs	0	(22,944)
Payment for fractional shares on reverse stock split	(13)	0
Proceeds from issuance of common stock for stock option exercises	1	1,563
Repurchase of common stock	0	(1,583)
Proceeds from borrowings on convertible debt	0	100,000
Net cash (used in) provided by financing activities	(12)	301,724
Net increase (decrease) in cash and cash equivalents and restricted cash	28,865	(8,356)
Cash and cash equivalents and restricted cash, beginning of the period	23,677	32,372
Cash and cash equivalents and restricted cash, end of the period	52,542	24,016
Supplemental disclosure of non-cash investing and financing activities:
Property and equipment purchases in accounts payable and accrued liabilities	61	0
Conversion of convertible preferred stock to Class A common stock in connection with the reverse recapitalization	0	72,173
Recapitalization transaction costs liability incurred	0	7,500
Conversion of convertible notes and accrued interest to Class A common stock in connection with the reverse recapitalization	0	720
Conversion of B-1 warrants to Class A common stock in connection with the reverse recapitalization	0	3,365
Discharge of PIPE promissory note in connection with the reverse recapitalization	0	15,000
Supplemental disclosure of cash (received) paid for:
Income taxes	0	(2)
Interest	2,121	1,392
The following table provides a reconciliation of cash and cash equivalents, and restricted cash reported within the condensed consolidated balance sheet with the same as shown in the condensed consolidated statement of cash flows
Cash and cash equivalents	51,754	23,569
Restricted cash	788	447
Total cash, cash equivalents, and restricted cash, end of the period	$ 52,542	$ 24,016