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, 2024
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 1,510,856 $ 1,425,334    
Allowance for loans issued (56,597) (43,619) $ (46,674) $ (2,792)
Loans issued 1,454,259 1,381,715    
Mortgage loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 809,608 $ 741,312    
Average Interest Rate 11.10% 10.30%    
Fair Value of Collateral $ 809,608 $ 740,462    
Allowance for loans issued (7,642) (3,033) (2,731) (554)
Uncollateralized bank customer loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 223,646 $ 245,188    
Average Interest Rate 27.70% 27.40%    
Fair Value of Collateral $ 0 $ 0    
Collateralized bank customer loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 170,574 $ 22,299    
Average Interest Rate 16.00% 19.10%    
Fair Value of Collateral $ 125,656 $ 22,270    
Allowance for loans issued (3,307) (80) (60) 0
Car loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 164,251 $ 262,708    
Average Interest Rate 24.10% 23.90%    
Fair Value of Collateral $ 163,375 $ 259,755    
Allowance for loans issued (8,202) (14,262) (13,120) (758)
Right of claim for purchased retail loans        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 135,242 $ 146,152    
Average Interest Rate 15.00% 15.00%    
Fair Value of Collateral $ 135,242 $ 146,152    
Allowance for loans issued (10,637) (6,577) (5,082) (1,247)
Subordinated loan        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding $ 6,163 $ 5,037    
Average Interest Rate 3.00% 3.00%    
Fair Value of Collateral $ 0 $ 0    
Other        
Financing Receivable, Past Due [Line Items]        
Amount Outstanding 1,372 2,638    
Fair Value of Collateral 27 18    
Allowance for loans issued $ (21) $ (31) $ (11,008) $ 0
Other Loans KZT        
Financing Receivable, Past Due [Line Items]        
Average Interest Rate 18.00% 18.60%    
Other Loans USD        
Financing Receivable, Past Due [Line Items]        
Average Interest Rate   15.00%    
Other Loans EUR        
Financing Receivable, Past Due [Line Items]        
Average Interest Rate 16.50% 2.50%