Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Revenue
Interest income	$ 963,496	$ 876,114
Non-interest income	93,423	76,431
Total revenue	1,056,919	952,545
Less:
Interest expense	179,414	93,046
Net decrease in fair value	(596,839)	(218,842)
Net revenue	280,666	640,657
Operating expenses:
Technology and facilities	219,406	216,120
Sales and marketing	75,284	110,033
Personnel	121,843	154,850
Outsourcing and professional fees	45,401	67,630
General, administrative and other	72,385	58,838
Goodwill impairment	0	108,472
Total operating expenses	534,319	715,943
Income (loss) before taxes	(253,653)	(75,286)
Income tax expense (benefit)	(73,702)	2,458
Net income (loss)	(179,951)	(77,744)
Net income (loss) attributable to common stockholders	(179,951)	(77,744)
Net income (loss) attributable to common stockholders	$ (179,951)	$ (77,744)
Earnings (loss) per share:
Basic (in USD per share)	$ (4.88)	$ (2.37)
Diluted (in USD per share)	$ (4.88)	$ (2.37)
Weighted average common shares outstanding:
Basic (in shares)	36,875,950	32,825,772
Diluted (in shares)	36,875,950	32,825,772