CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Current assets:
Unrestricted cash and cash equivalents	$ 1,453,549	$ 682,263
Restricted cash	44	4,239
Investment securities available-for-sale, at fair value	43,257	33,859
Settlement assets	587,106	737,989
Accounts receivable, net	84,635	110,141
Prepaid expenses and other assets	49,459	69,419
Income tax receivable	1,322	0
Total current assets	2,219,372	1,637,910
Investment securities available-for-sale, at fair value	2,120,803	2,203,142
Loans to bank customers, net of allowance for credit losses of $17,778 and $11,383 as of September 30, 2024 and December 31, 2023, respectively	33,380	30,534
Prepaid expenses and other assets	193,791	221,656
Property, equipment, and internal-use software, net	181,386	179,376
Operating lease right-of-use assets	3,801	5,342
Deferred expenses	1,226	1,546
Net deferred tax assets	128,263	117,139
Goodwill and intangible assets	403,265	420,477
Total assets	5,285,287	4,817,122
Current liabilities:
Accounts payable	95,043	119,870
Deposits	3,837,906	3,293,603
Obligations to customers	215,588	314,278
Settlement obligations	50,821	57,001
Amounts due to card issuing banks for overdrawn accounts	84	225
Other accrued liabilities	94,844	91,239
Operating lease liabilities	2,118	3,369
Deferred revenue	7,181	6,343
Line of credit	0	61,000
Income tax payable	2,497	6,262
Total current liabilities	4,306,082	3,953,190
Other accrued liabilities	1,217	1,895
Operating lease liabilities	2,068	2,687
Notes payable	43,675	0
Total liabilities	4,353,042	3,957,772
Commitments and contingencies (Note 17)
Stockholders’ equity:
Class A common stock, $0.001 par value; 100,000 shares authorized as of September 30, 2024 and December 31, 2023; 53,751 and 52,816 shares issued and outstanding as of September 30, 2024 and December 31, 2023, respectively	54	53
Additional paid-in capital	400,769	375,980
Retained earnings	738,499	770,304
Accumulated other comprehensive loss	(207,077)	(286,987)
Total stockholders’ equity	932,245	859,350
Total liabilities and stockholders’ equity	$ 5,285,287	$ 4,817,122