CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net loss	$ (309,395)	$ (1,623,527)
Adjustments to reconcile net loss to net cash provided by operating activities:
Stock-based compensation expense	569,502	636,214
Depreciation and amortization	679,171	595,848
Noncash lease expense	92,804	105,704
Changes in operating assets and liabilities:
Accounts receivable	(11,927)	19,283
Prepaid expenses and other current assets	(382,664)	(572,620)
Accounts payable and accrued liabilities	1,189,087	149,429
Operating lease liability	(83,203)	(78,369)
Customer card funding	3,393,769	10,672,537
Net cash provided by operating activities	5,137,144	9,904,499
Cash flows from investing activities:
Purchase of fixed assets	(12,787)	(124,696)
Capitalization of internally developed software	(635,325)	(473,996)
Purchase of intangible assets	(26,748)	(13,511)
Net cash used in investing activities	(674,860)	(612,203)
Cash flows from financing activities:
Proceeds from exercise of stock options	0	110,466
Net cash provided by financing activities	0	110,466
Net change in cash and restricted cash	4,462,284	9,402,762
Cash and restricted cash, beginning of period	68,671,070	55,930,404
Cash and restricted cash, end of period	73,133,354	65,333,166
Cash and restricted cash reconciliation:
Cash	8,455,671	6,559,678
Restricted Cash	64,677,683	58,773,488
Restricted Cash and Cash Equivalents	73,133,354	65,333,166
Non-cash financing activities
Interest paid	$ 221	$ 0