Quarterly report pursuant to Section 13 or 15(d)

LOANS ISSUED - Summary of loans issued (Details)

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LOANS ISSUED - Summary of loans issued (Details) - USD ($)
$ in Thousands
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Mar. 31, 2022
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 1,392,679 $ 829,050    
Allowance for loans issued 46,674 2,792 $ 14,711 $ 1,629
Loans issued (including $144,289 and $121,316 to related parties) 1,346,005 826,258    
Mortgage loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 693,167 534,154    
Allowance for loans issued $ 2,731 $ 554 2,492 305
Weighted Average Interest Rate 10.30% 9.00%    
Fair Value of Collateral $ 692,016 $ 534,154    
Right of claim for purchased retail loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 142,970 121,177    
Allowance for loans issued $ 5,082 $ 1,247 9,537 1,308
Weighted Average Interest Rate 15.00% 15.00%    
Fair Value of Collateral $ 142,970 $ 121,177    
Car loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 274,980 102,269    
Allowance for loans issued $ 13,120 $ 758 2,601 0
Weighted Average Interest Rate 23.70% 25.00%    
Fair Value of Collateral $ 264,953 $ 102,247    
Uncollateralized bank customer loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 243,029 46,970    
Allowance for loans issued $ 14,673 $ 233 73 16
Weighted Average Interest Rate 27.10% 25.00%    
Fair Value of Collateral $ 0 $ 0    
Collateralized bank customer loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 21,104 17,653    
Allowance for loans issued $ 60 $ 0 8 0
Weighted Average Interest Rate 20.97% 2.00%    
Fair Value of Collateral $ 20,748 $ 17,636    
Subordinated loan        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 5,038 $ 5,039    
Weighted Average Interest Rate 3.00% 3.00%    
Fair Value of Collateral $ 0 $ 0    
Loans issued to policyholders        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding   $ 1,488    
Weighted Average Interest Rate   15.00%    
Fair Value of Collateral   $ 1,752    
Other        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 12,391 300    
Allowance for loans issued 11,008 $ 0 $ 0 $ 0
Weighted Average Interest Rate   2.00%    
Fair Value of Collateral $ 24 $ 0    
Other loans UAH        
Financing Receivable, Past Due [Line Items]        
Weighted Average Interest Rate 9.10%      
Other loans USD        
Financing Receivable, Past Due [Line Items]        
Weighted Average Interest Rate 3.00%      
Other loans KZT        
Financing Receivable, Past Due [Line Items]        
Weighted Average Interest Rate 16.00%      
Other loans EUR        
Financing Receivable, Past Due [Line Items]        
Weighted Average Interest Rate 2.40%