| Jun 30,
2020 | Jun 30,
2021 | Jun 30,
2022 | Jun 30,
2023 | Jun 30,
2024 |
|---|
| Net loss | -31 | -99 | -326 | -224 | -29 |
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| Stock-based compensation | 18 | 68 | 197 | 314 | 248 |
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| Amortization of intangible assets | - | 6 | 76 | 80 | 80 |
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| Depreciation | - | - | - | - | 14 |
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| Capitalized Computer Software, Amortization | - | - | 2 | 4 | 9 |
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| Amortization of debt issuance costs | - | 28 | 5 | 7 | 6 |
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| Amortization of premium (accretion of discount) on investments in marketable debt securities | 4 | -5 | -11 | 37 | 55 |
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| Accretion of discount on loans held for investment | - | - | - | - | 9 |
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| Provision For Losses On Acquired Card Receivables | - | 1 | 20 | 32 | 60 |
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| Gain on debt extinguishment | - | - | - | - | 47 |
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| Non-cash operating lease expense | - | 4 | 9 | 9 | 9 |
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| Deferred income taxes | - | -41 | -4 | -1 | -0 |
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| Other | - | - | 1 | -1 | -2 |
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| Accounts receivable | 1 | 7 | 3 | 4 | -0 |
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| Prepaid expenses and other current assets | 10 | -2 | 13 | 17 | 7 |
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| Other assets | 5 | 13 | -5 | -0 | -8 |
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| Accounts payable | -2 | 7 | -4 | -2 | -1 |
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| Other accruals and current liabilities | 10 | 23 | 7 | 34 | 21 |
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| Operating lease liabilities | - | - | - | - | -10 |
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| Other long-term liabilities | 13 | 1 | -7 | -3 | -15 |
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| Deferred revenue | 3 | 7 | 6 | -7 | -6 |
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| Net cash provided by (used in) operating activities | -4 | 5 | -18 | 188 | 279 |
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| Cash paid for acquisition, net of acquired cash and cash equivalents | - | 556 | 144 | 29 | - |
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| Purchases of corporate and customer fund short-term investments | 1,089 | 2,070 | 2,802 | 2,744 | 2,683 |
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| Proceeds from maturities of corporate and customer fund short-term investments | 806 | 1,105 | 1,902 | 3,284 | 2,512 |
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| Proceeds from sale of corporate and customer fund short-term investments | 46 | 143 | 56 | 12 | 2 |
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| Purchases of loans held for investment | - | - | - | - | 360 |
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| Principal repayments of loans held for investment | - | - | - | - | 326 |
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| Acquired card receivables, net | - | 16 | 131 | 234 | 185 |
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| Purchases of property and equipment | 11 | 19 | 5 | 8 | 1 |
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| Capitalization of internal-use software costs | 1 | 2 | 10 | 24 | 20 |
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| Proceeds from beneficial interest | - | - | 7 | 2 | - |
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| Other | - | - | - | 0 | 1 |
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| Net cash provided by (used in) investing activities | -249 | -1,427 | -1,127 | 259 | -409 |
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| Proceeds from Issuance Initial Public Offering | 225 | - | 1,341 | - | - |
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| Proceeds from Issuance of Senior Long-Term Debt | - | 1,129 | 560 | - | - |
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| Purchase of capped calls | - | 88 | 38 | - | - |
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| Payments for repurchase of convertible senior notes | - | - | - | - | 933 |
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| Proceeds from unwind of capped calls | - | - | - | - | 11 |
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| Increase (Decrease) in Deposits | 315 | 564 | 971 | 204 | 354 |
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| Repurchase of common stock | - | - | - | 88 | 212 |
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| Prepaid card deposits | - | - | - | 27 | -18 |
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| Proceeds from line of credit borrowings | - | - | - | - | 45 |
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| Payments on line of credit and bank borrowings | - | 2 | 40 | - | - |
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| Proceeds from Stock Options Exercised | 12 | 28 | 34 | 14 | 8 |
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| Tax withholdings related to net share settlements of equity awards | - | - | - | - | 4 |
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| Proceeds from Issuance of Common Stock | 308 | 9 | 13 | 18 | 16 |
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| Contingent consideration payout | - | - | - | - | 11 |
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| Net cash provided by (used in) financing activities | 863 | 1,640 | 2,879 | 235 | -743 |
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| Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents | - | - | -0 | -0 | -0 |
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| Net increase (decrease) in cash, cash equivalents, restricted cash, and restricted cash equivalents | - | - | 1,733 | 682 | -873 |
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| Cash paid for interest during the period | 0 | 0 | 5 | 7 | 13 |
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| Income Taxes Paid | - | - | - | 1 | 6 |
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| Payable on purchases of acquired card receivables | - | - | - | - | 105 |
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| Fair value of shares issued as consideration for acquisition | - | 1,604 | 488 | 3 | - |
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| Fair value of stock-based awards assumed in acquisition | - | 55 | 22 | - | - |
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| Fair value of earn-out consideration for acquisition | - | - | - | 11 | - |
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