CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Current assets:
Unrestricted cash and cash equivalents	$ 1,804,826	$ 1,491,842
Restricted cash	4,150	4,859
Settlement assets	452,602	782,262
Accounts receivable, net	74,474	67,755
Prepaid expenses and other assets	62,764	66,705
Income tax receivable	990	0
Total current assets	2,399,806	2,413,423
Investment securities available-for-sale, at fair value	1,188,216	970,969
Loans to bank customers, net of allowance for loan losses of $7,451 and $757 as of September 30, 2021 and December 31, 2020, respectively	28,157	21,011
Prepaid expenses and other assets	131,180	40,481
Property, equipment, and internal-use software, net	132,276	133,400
Operating lease right-of-use assets	11,308	13,134
Deferred expenses	7,379	18,332
Net deferred tax assets	18,683	12,739
Goodwill and intangible assets	474,344	491,778
Total assets	4,391,349	4,115,267
Current liabilities:
Accounts payable	41,956	34,823
Deposits	2,959,386	2,735,116
Obligations to customers	122,522	95,375
Settlement obligations	12,705	17,759
Amounts due to card issuing banks for overdrawn accounts	438	235
Other accrued liabilities	120,455	145,359
Operating lease liabilities	7,516	8,175
Deferred revenue	14,576	28,584
Income tax payable	11,265	12,146
Total current liabilities	3,290,819	3,077,572
Other accrued liabilities	2,190	4,275
Operating lease liabilities	9,209	16,396
Net deferred tax liabilities	7,192	7,192
Total liabilities	3,309,410	3,105,435
Commitments and contingencies (Note 17)
Stockholders’ equity:
Class A common stock, $0.001 par value; 100,000 shares authorized as of September 30, 2021 and December 31, 2020; 54,671 and 54,034 shares issued and outstanding as of September 30, 2021 and December 31, 2020, respectively	55	54
Additional paid-in capital	386,465	354,460
Retained earnings	709,893	651,890
Accumulated other comprehensive (loss) income	(14,474)	3,428
Total stockholders’ equity	1,081,939	1,009,832
Total liabilities and stockholders’ equity	$ 4,391,349	$ 4,115,267