| Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 |
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| Net income | -352 | 1,893 | 4,792 | 2,648 |
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| Depreciation and amortization | 138 | 81 | 44 | 65 |
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| Stock-based compensation expense | 899 | 930 | 1,120 | 1,407 |
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| Deferred income taxes | - | - | -2,875 | 433 |
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| Asset Impairment Charges | 113 | 91 | - | - |
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| Other, net | 12 | 8 | 83 | 32 |
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| Prepaids and other assets | 54 | 226 | 102 | 163 |
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| Accrued expenses and other liabilities | 165 | 273 | 580 | -104 |
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| Unearned fees | 496 | 280 | 242 | 200 |
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| Net cash provided by operating activities | 2,190 | 3,430 | 3,884 | 4,518 |
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| Purchases of short-term investments | 4,938 | 4,072 | 3,308 | 3,146 |
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| Sales and maturities of short-term investments | - | - | 2,380 | 2,605 |
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| Other investing activities, net | -0 | 2 | 114 | 75 |
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| Net cash used in investing activities | -1,352 | -28 | -1,042 | -616 |
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| Taxes paid related to tax on equity awards | 54 | 607 | 1,224 | 630 |
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| Proceeds from exercise of equity awards and employee stock purchase plan | - | - | - | 168 |
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| Share repurchases | - | 1,500 | 2,252 | 3,430 |
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| Change in funds payable and amounts payable to customers | - | 1,330 | 936 | 320 |
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| Net cash used in financing activities | 1,431 | -689 | -2,430 | -3,572 |
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| Effect of exchange rate changes on cash, cash equivalents, and restricted cash | -210 | -337 | 152 | -237 |
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| Net increase in cash, cash equivalents, and restricted cash | 2,059 | 2,376 | 564 | 93 |
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