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GOODWILL AND INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]  
GOODWILL AND INTANGIBLE ASSETS
NOTE 4: GOODWILL AND INTANGIBLE ASSETS
Goodwill
The following table summarizes the carrying amount of goodwill:
December 31,
(in millions)20212022
Beginning balance$— $101 
Less: Accumulated impairment— — 
Beginning balance, net— 101 
Additions due to business combinations(1)
101 — 
Post-acquisition adjustments— (1)
Ending balance$101 $100 
________________
(1)Substantially all of the additions related to the Say Technologies acquisition as disclosed in Note 3 - Business Combinations, and the remainder related to other immaterial business acquisitions.

There was no impairment of goodwill for the years ended December 31, 2021 and 2022.
Intangible Assets
The following tables summarize the components of intangible assets:
December 31, 2021
(in millions, except years)Gross Carrying ValueAccumulated AmortizationNet Carrying ValueWeighted Average Remaining Useful Life - Years
Finite-lived intangible assets
Developed technology$23 $(3)$20 2.58
Customer relationships12 $— 12 9.62
Trade names— $— — 2.62
Indefinite-lived intangible assets2 $— 2 N/A
Total$37 $(3)$34 
December 31, 2022
(in millions, except years)Gross Carrying ValueAccumulated AmortizationNet Carrying ValueWeighted Average Remaining Useful Life - Years
Finite-lived intangible assets
Developed technology$23 $(10)$13 1.70
Customer relationships12 (2)10 8.62
Indefinite-lived intangible assets2 — 2 N/A
Total$37 $(12)$25 
Amortization expense of intangible assets was nil, $3 million, and $9 million for the years ended December 31, 2020, 2021, and 2022. There was no impairment of intangible assets for the years ended December 31, 2021 and 2022.
As of December 31, 2022, the estimated future amortization expense of finite-lived intangible assets was as follows:
(in millions)Finite-lived Intangible Assets
2023$9 
20246 
20251 
20261 
20271 
Thereafter5 
Total$23