CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Current assets
Cash	$ 7,387,156	$ 7,829,453
Restricted cash	61,283,914	48,100,951
Accounts receivable	3,393,940	512,097
Other receivables	1,019,218	142,762
Prepaid expenses and other current assets	1,242,967	1,375,364
Total current assets	74,327,195	57,960,627
Fixed assets, net	1,642,981	1,849,164
Intangible assets, net	4,086,962	3,699,033
Operating lease right-of-use asset	3,993,655	4,324,682
Total assets	84,050,793	67,833,506
Current liabilities
Accounts payable and accrued liabilities	5,765,478	2,162,256
Operating lease liability, current portion	340,412	320,636
Customer card funding	61,283,914	48,100,951
Total current liabilities	67,389,804	50,583,843
Operating lease liability, long term portion	3,673,186	4,013,598
Total liabilities	71,062,990	54,597,441
Commitments and contingencies (Note 9)
Stockholders' equity
Preferred stock: $0.001 par value; 25,000,000 shares authorized; none issued and outstanding	0	0
Common stock; $0.001 par value; 150,000,000 shares authorized, 52,095,382 and 50,251,607 issued at December 31, 2021 and 2020, respectively	52,095	50,252
Additional paid-in capital	16,860,119	14,388,890
Treasury stock at cost, 303,450 shares	(150,000)	(150,000)
Accumulated deficit	(3,774,411)	(1,053,077)
Total stockholders' equity	12,987,803	13,236,065
Total liabilities and stockholders' equity	$ 84,050,793	$ 67,833,506