| Dec 31,
2021 | Dec 31,
2022 | Dec 31,
2023 | Dec 31,
2024 |
|---|
| Net loss | -39 | -114 | -118 | -37 |
|---|
| Depreciation and amortization | 5 | 7 | 13 | 18 |
|---|
| Stock-based compensation expense, net | 17 | 95 | 137 | 152 |
|---|
| Donation of common stock | 7 | 2 | 5 | 3 |
|---|
| Other | -0 | -0 | -1 | -0 |
|---|
| Disbursement prefunding | 18 | 38 | 32 | 93 |
|---|
| Customer funds receivable | 17 | 127 | 183 | -186 |
|---|
| Prepaid expenses and other assets | 13 | 5 | 13 | 12 |
|---|
| Operating lease right-of-use assets | -3 | -4 | -5 | -6 |
|---|
| Accounts payable | -3 | 6 | 28 | -21 |
|---|
| Customer liabilities | 16 | 43 | 62 | 13 |
|---|
| Accrued expenses and other liabilities | 26 | 26 | 47 | -14 |
|---|
| Operating lease liabilities | -3 | -4 | -5 | -6 |
|---|
| Net cash provided by (used in) operating activities | -18 | -105 | -54 | 194 |
|---|
| Purchases of property and equipment | 2 | 4 | 3 | 6 |
|---|
| Capitalized internal-use software costs | 3 | 3 | 6 | 12 |
|---|
| Cash paid for acquisition, net of acquired cash, cash equivalents, and restricted cash | - | 0 | 41 | - |
|---|
| Net cash used in investing activities | -5 | -7 | -50 | -18 |
|---|
| Proceeds from Stock Options Exercised | 8 | 12 | 14 | 9 |
|---|
| Proceeds From Issuance Of Common Stock, ESPP | - | - | 6 | 9 |
|---|
| Proceeds from Lines of Credit | - | - | - | 1,453 |
|---|
| Repayments of revolving credit facility borrowings | - | - | - | 1,583 |
|---|
| Taxes paid related to net share settlement of equity awards | - | 0 | 7 | 5 |
|---|
| Cash paid for settlement of amounts previously held back for acquisition consideration | - | - | - | 10 |
|---|
| Net cash (used in) provided by financing activities | 238 | 11 | 127 | -127 |
|---|
| Effect of foreign exchange rate changes on cash, cash equivalents, and restricted cash | -0 | -1 | 1 | -5 |
|---|
| Net increase (decrease) in cash, cash equivalents, and restricted cash | 215 | -103 | 24 | 45 |
|---|