CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net loss	$ (23,792)	$ (11,158)
Adjustments to reconcile net loss to net cash provided by operating activities:
Provision for transaction losses	2,654	2,078
Depreciation and amortization	7,444	4,498
Amortization of debt issuance costs	43	39
Amortization of discount on purchases of marketable securities	(311)	(948)
Amortization of operating lease asset	2,927	3,059
Tides Foundation common stock warrant expense	564	439
Stock-based compensation expense	19,527	10,858
Changes in operating assets and liabilities:
Trade and client receivables	(12,490)	(7,103)
Prepaid expenses and other assets	(284)	(1,407)
Operating lease liability	(1,420)	(979)
Accounts payable	5,087	697
Accrued expenses and other liabilities	10,448	(799)
Deferred revenue	3,015	2,727
Net cash provided by operating activities	13,412	2,001
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of marketable securities	(70,215)	(131,950)
Proceeds from maturities of marketable securities	89,000	72,500
Purchases of property and equipment	(6,210)	(10,230)
Internal-use software and platform development costs	(5,567)	(4,054)
Net cash provided by (used in) investing activities	7,008	(73,734)
CASH FLOWS FROM FINANCING ACTIVITIES:
Changes in escrow funds payable	19,409	16,407
Proceeds from exercises of stock options and common stock warrants	23,343	13,974
Proceeds from borrowings on debt	18,000	50,000
Repayment of debt	(23,729)	(53,786)
Proceeds from employee stock purchase plan	2,661	3,577
Net cash provided by financing activities	39,684	30,172
NET CHANGE IN CASH, CASH EQUIVALENTS, AND RESTRICTED CASH	60,104	(41,561)
Cash, cash equivalents, and restricted cash—beginning of period	159,603	230,067
Cash, cash equivalents, and restricted cash—end of period	219,707	188,506
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest	640	1,027
SUPPLEMENTAL DISCLOSURES OF NON-CASH INVESTING ACTIVITIES:
Property and equipment purchased but not yet paid	$ 395	$ 905