0000001 - Document - Cover link:presentationLink link:calculationLink link:definitionLink 0000002 - Document - Audit Information link:presentationLink link:calculationLink link:definitionLink 9952151 - Statement - CONSOLIDATED BALANCE SHEETS link:presentationLink link:calculationLink link:definitionLink 9952152 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS link:presentationLink link:calculationLink link:definitionLink 9952153 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS link:presentationLink link:calculationLink link:definitionLink 9952154 - Statement - CONSOLIDATED STATEMENTS OF REDEEMABLE CONVERTIBLE PREFERRED STOCK AND STOCKHOLDERS’ EQUITY (DEFICIT) link:presentationLink link:calculationLink link:definitionLink 9952155 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS link:presentationLink link:calculationLink link:definitionLink 9952156 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 9952157 - Disclosure - ORGANIZATION AND DESCRIPTION OF BUSINESS link:presentationLink link:calculationLink link:definitionLink 9952158 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES link:presentationLink link:calculationLink link:definitionLink 9952159 - Disclosure - REVENUE link:presentationLink link:calculationLink link:definitionLink 9952160 - Disclosure - FAIR VALUE MEASUREMENT link:presentationLink link:calculationLink link:definitionLink 9952161 - Disclosure - MARKETABLE SECURITIES link:presentationLink link:calculationLink link:definitionLink 9952162 - Disclosure - ACCOUNTS RECEIVABLE, NET link:presentationLink link:calculationLink link:definitionLink 9952163 - Disclosure - LOANS HELD FOR INVESTMENT, NET link:presentationLink link:calculationLink link:definitionLink 9952164 - Disclosure - CREDIT OBLIGATIONS link:presentationLink link:calculationLink link:definitionLink 9952165 - Disclosure - PROPERTY, EQUIPMENT, AND SOFTWARE, NET link:presentationLink link:calculationLink link:definitionLink 9952166 - Disclosure - BUSINESS COMBINATIONS link:presentationLink link:calculationLink link:definitionLink 9952167 - Disclosure - SIGNIFICANT BALANCE SHEET COMPONENTS link:presentationLink link:calculationLink link:definitionLink 9952168 - Disclosure - INDEBTEDNESS link:presentationLink link:calculationLink link:definitionLink 9952169 - Disclosure - REDEEMABLE CONVERTIBLE PREFERRED STOCK, COMMON STOCK, AND STOCKHOLDERS’ EQUITY (DEFICIT) link:presentationLink link:calculationLink link:definitionLink 9952170 - Disclosure - STOCK-BASED COMPENSATION link:presentationLink link:calculationLink link:definitionLink 9952171 - Disclosure - NET LOSS PER SHARE link:presentationLink link:calculationLink link:definitionLink 9952172 - Disclosure - RELATED PARTY TRANSACTIONS link:presentationLink link:calculationLink link:definitionLink 9952173 - Disclosure - INCOME TAXES link:presentationLink link:calculationLink link:definitionLink 9952174 - Disclosure - COMMITMENTS AND CONTINGENCIES link:presentationLink link:calculationLink link:definitionLink 9955511 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) link:presentationLink link:calculationLink link:definitionLink 9955512 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) link:presentationLink link:calculationLink link:definitionLink 9955513 - Disclosure - REVENUE (Tables) link:presentationLink link:calculationLink link:definitionLink 9955514 - Disclosure - FAIR VALUE MEASUREMENT (Tables) link:presentationLink link:calculationLink link:definitionLink 9955515 - Disclosure - MARKETABLE SECURITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 9955516 - Disclosure - ACCOUNTS RECEIVABLE, NET (Tables) link:presentationLink link:calculationLink link:definitionLink 9955517 - Disclosure - LOANS HELD FOR INVESTMENT, NET (Tables) link:presentationLink link:calculationLink link:definitionLink 9955518 - Disclosure - CREDIT OBLIGATIONS (Tables) link:presentationLink link:calculationLink link:definitionLink 9955519 - Disclosure - PROPERTY, EQUIPMENT, AND SOFTWARE, NET (Tables) link:presentationLink link:calculationLink link:definitionLink 9955520 - Disclosure - BUSINESS COMBINATIONS (Tables) link:presentationLink link:calculationLink link:definitionLink 9955521 - Disclosure - SIGNIFICANT BALANCE SHEET COMPONENTS (Tables) link:presentationLink link:calculationLink link:definitionLink 9955522 - Disclosure - REDEEMABLE CONVERTIBLE PREFERRED STOCK, COMMON STOCK, AND STOCKHOLDERS’ EQUITY (DEFICIT) (Tables) link:presentationLink link:calculationLink link:definitionLink 9955523 - Disclosure - STOCK-BASED COMPENSATION (Tables) link:presentationLink link:calculationLink link:definitionLink 9955524 - Disclosure - NET LOSS PER SHARE (Tables) link:presentationLink link:calculationLink link:definitionLink 9955525 - Disclosure - INCOME TAXES (Tables) link:presentationLink link:calculationLink link:definitionLink 9955526 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables) link:presentationLink link:calculationLink link:definitionLink 9955527 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955528 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Schedule of Estimated Useful Life (Details) link:presentationLink link:calculationLink link:definitionLink 9955529 - Disclosure - REVENUE - Schedule of Disaggregation of Revenue (Details) link:presentationLink link:calculationLink link:definitionLink 9955530 - Disclosure - REVENUE - Schedule of Deferred Revenue (Details) link:presentationLink link:calculationLink link:definitionLink 9955531 - Disclosure - FAIR VALUE MEASUREMENT - Schedule of Assets and Liabilities Measured at Fair Value (Details) link:presentationLink link:calculationLink link:definitionLink 9955532 - Disclosure - FAIR VALUE MEASUREMENT - Schedule of Significant Observable Inputs (Details) link:presentationLink link:calculationLink link:definitionLink 9955533 - Disclosure - MARKETABLE SECURITIES - Schedule of Available-for-Sale Marketable Securities (Details) link:presentationLink link:calculationLink link:definitionLink 9955534 - Disclosure - MARKETABLE SECURITIES - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955535 - Disclosure - MARKETABLE SECURITIES - Schedule of Unrealized Loss on Investments (Details) link:presentationLink link:calculationLink link:definitionLink 9955536 - Disclosure - MARKETABLE SECURITIES - Schedule of Contractual Maturity (Details) link:presentationLink link:calculationLink link:definitionLink 9955537 - Disclosure - ACCOUNTS RECEIVABLE, NET (Details) link:presentationLink link:calculationLink link:definitionLink 9955538 - Disclosure - LOANS HELD FOR INVESTMENT, NET - Schedule of Loans Held For Investment, Net (Details) link:presentationLink link:calculationLink link:definitionLink 9955539 - Disclosure - LOANS HELD FOR INVESTMENT, NET - Schedule of Credit Quality Information (Details) link:presentationLink link:calculationLink link:definitionLink 9955540 - Disclosure - CREDIT OBLIGATIONS - Schedule of Changes in Allowance For Expected Credit Losses (Details) link:presentationLink link:calculationLink link:definitionLink 9955541 - Disclosure - CREDIT OBLIGATIONS - Schedule of Product Obligation Reconciliation (Details) link:presentationLink link:calculationLink link:definitionLink 9955542 - Disclosure - CREDIT OBLIGATIONS - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955543 - Disclosure - PROPERTY, EQUIPMENT, AND SOFTWARE, NET - Schedule of Property, Equipment and Software, Net (Details) link:presentationLink link:calculationLink link:definitionLink 9955544 - Disclosure - PROPERTY, EQUIPMENT, AND SOFTWARE, NET - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955545 - Disclosure - PROPERTY, EQUIPMENT, AND SOFTWARE, NET - Schedule of Estimated Aggregate Amortization Expense Related To Internal-Use Software (Details) link:presentationLink link:calculationLink link:definitionLink 9955546 - Disclosure - BUSINESS COMBINATIONS - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955547 - Disclosure - BUSINESS COMBINATIONS - Schedule of Final Purchase Consideration (Details) link:presentationLink link:calculationLink link:definitionLink 9955548 - Disclosure - SIGNIFICANT BALANCE SHEET COMPONENTS - Schedule of Other Assets (Details) link:presentationLink link:calculationLink link:definitionLink 9955549 - Disclosure - SIGNIFICANT BALANCE SHEET COMPONENTS - Schedule of Accrued and Other Current Liabilities (Details) link:presentationLink link:calculationLink link:definitionLink 9955550 - Disclosure - SIGNIFICANT BALANCE SHEET COMPONENTS -Schedule of Accrued Transaction Dispute Losses (Details) link:presentationLink link:calculationLink link:definitionLink 9955551 - Disclosure - SIGNIFICANT BALANCE SHEET COMPONENTS -Schedule of Other Non-Current Liabilities (Details) link:presentationLink link:calculationLink link:definitionLink 9955552 - Disclosure - INDEBTEDNESS (Details) link:presentationLink link:calculationLink link:definitionLink 9955553 - Disclosure - REDEEMABLE CONVERTIBLE PREFERRED STOCK, COMMON STOCK, AND STOCKHOLDERS’ EQUITY (DEFICIT) - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955554 - Disclosure - REDEEMABLE CONVERTIBLE PREFERRED STOCK, COMMON STOCK, AND STOCKHOLDERS’ EQUITY (DEFICIT) - Schedule of Redeemable Convertible Preferred Stock (Details) link:presentationLink link:calculationLink link:definitionLink 9955555 - Disclosure - STOCK-BASED COMPENSATION - Equity Incentive Plans (Details) link:presentationLink link:calculationLink link:definitionLink 9955556 - Disclosure - STOCK-BASED COMPENSATION - Stock Options (Details) link:presentationLink link:calculationLink link:definitionLink 9955557 - Disclosure - STOCK-BASED COMPENSATION - Schedule of Service-Based Stock Options Weighted-Average Assumptions (Details) link:presentationLink link:calculationLink link:definitionLink 9955558 - Disclosure - STOCK-BASED COMPENSATION - Schedule of Stock Option Activity (Details) link:presentationLink link:calculationLink link:definitionLink 9955559 - Disclosure - STOCK-BASED COMPENSATION - Schedule of RSAs, RSUs, and PSUs (Details) link:presentationLink link:calculationLink link:definitionLink 9955560 - Disclosure - STOCK-BASED COMPENSATION - RSAs (Details) link:presentationLink link:calculationLink link:definitionLink 9955561 - Disclosure - STOCK-BASED COMPENSATION - RSUs and PSUs (Details) link:presentationLink link:calculationLink link:definitionLink 9955562 - Disclosure - STOCK-BASED COMPENSATION - Schedule of Market-Based PSUs Weighted-Average Assumptions (Details) link:presentationLink link:calculationLink link:definitionLink 9955563 - Disclosure - STOCK-BASED COMPENSATION - 2025 Employee Stock Purchase Plan (Details) link:presentationLink link:calculationLink link:definitionLink 9955564 - Disclosure - STOCK-BASED COMPENSATION- Schedule of Stock-Based Compensation Expense (Details) link:presentationLink link:calculationLink link:definitionLink 9955565 - Disclosure - STOCK-BASED COMPENSATION - Stock-Based Compensation Expense (Details) link:presentationLink link:calculationLink link:definitionLink 9955566 - Disclosure - NET LOSS PER SHARE - Schedule of Basic and Diluted Net Loss Per Share (Details) link:presentationLink link:calculationLink link:definitionLink 9955567 - Disclosure - NET LOSS PER SHARE - Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share (Details) link:presentationLink link:calculationLink link:definitionLink 9955568 - Disclosure - RELATED PARTY TRANSACTIONS (Details) link:presentationLink link:calculationLink link:definitionLink 9955569 - Disclosure - Income Taxes - Schedule of Geographical Breakdown of Income (Loss) Before Income Taxes (Details) link:presentationLink link:calculationLink link:definitionLink 9955570 - Disclosure - INCOME TAXES - Schedule of Income Tax Expense (Benefit) (Details) link:presentationLink link:calculationLink link:definitionLink 9955571 - Disclosure - INCOME TAXES - Schedule of Effective Income Tax Rate (Details) link:presentationLink link:calculationLink link:definitionLink 9955572 - Disclosure - INCOME TAXES - Schedule of Deferred Tax Assets and Liabilities (Details) link:presentationLink link:calculationLink link:definitionLink 9955573 - Disclosure - INCOME TAXES - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955574 - Disclosure - INCOME TAXES - Schedule of Gross Unrecognized Tax Benefits (Details) link:presentationLink link:calculationLink link:definitionLink 9955575 - Disclosure - INCOME TAXES - Schedule of Breakout By Jurisdiction (Details) link:presentationLink link:calculationLink link:definitionLink 9955576 - Disclosure - COMMITMENTS AND CONTINGENCIES - Narrative (Details) link:presentationLink link:calculationLink link:definitionLink 9955577 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Operating Lease Costs (Details) link:presentationLink link:calculationLink link:definitionLink 9955578 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Lease Term and Discount Rate (Details) link:presentationLink link:calculationLink link:definitionLink 9955579 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Cash Flows Related to Leases (Details) link:presentationLink link:calculationLink link:definitionLink 9955580 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Future Minimum Lease Payments Under Non-cancelable Operating Leases (Details) link:presentationLink link:calculationLink link:definitionLink 9955580 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Future Minimum Lease Payments Under Non-cancelable Operating Leases (Details) link:presentationLink link:calculationLink link:definitionLink