Dan Dolev

I think your competitor mentioned that there was some difficulty selling software modules. I just want to see from your perspective how this looks

are you guys working, I am sure, internally about sort of the more, like, the three to five-year outlook

Can you maybe discuss a little bit of sort of the contribution? When should that become really material

can you maybe touch again on that pays per control, lower pays per control, that would be helpful

on these recent announcements, whether it's Amazon or whatever, is that changing the calculus or it's already included in your expectations

can you maybe elaborate a little bit how it did this year versus your initial expectations

Your competitor acquired -- took a page out of your book and acquired Paycor. Can you maybe talk a little bit about the competitive landscape

how much is it holding back on hiring? Or is it just people are worried, like maybe just like concerns, maybe you could parse out concerns versus actual actions

Can you maybe discuss a little bit of your pricing strategies and the pricing environment for the deals

Would you be able to quantify how much of the EBIT drag as a result of any incremental amortization

How should we think about the strength of the casual crypto trader in this winter? Any pattern you can call out for when they come back eventually?

Is there any way you can help us think about sort of how this looks a couple of quarters out?

Just wanted to ask on the USDC rewards specifically in terms of the opportunity there. What you're seeing seems like a big opportunity for the long term.

Is there any view here to use Coinbase Global, Inc. as a platform globally to do something similar?

is everything from now on considered core? Is there anything you're thinking of in terms of what could be done to enhance buybacks

you initiated your Future Forward strategy 3 years ago. And I want to know like how much confidence do you have

we're getting a lot of questions about M&A contribution, like organic, inorganic towards the end of the year

we noticed the slight -- or big acceleration in the Worldpay growth. So I just want to make sure before we get over our skis here

can you give us a sense of the EBITDA margin cadence given the timing of the investments in the first quarter

can you maybe give us a sense of how you're feeling about the Worldpay EMI outlook and how's revenue growth has been tracking

how do you feel about the portfolio today? Obviously, there's been a lot of like cheddar about potential changes

So starting at 2%, there's Worldpay. Like can you unpack, James, for us what's the underlying growth

Can you maybe, Mike, elaborate on some of the initiatives and how you add value with AI to your banking plans?

it's been a few months now. I mean, is anything that surprised you most? Any new surprises here

can you maybe quantify just specifically the Dollar Tree's impact

can we talk strategically a little bit about your Walmart partnership? Like, how do you envision this, you know, very exciting using the now now network and FedNow

I caught that you said that the yields were up 30%, if I remember that correctly. I mean that's a huge positive sign in our view. Just wanted to get a sense of the progress on Genius and the yields

The stock is clearly very undervalued in our view, and you're firing in all cylinders, you're buying back a lot of stock, like very good. Maybe can you discuss what are the puts and takes of stayin...

how do you think about capital returns given the massive amount of free cash flow that GPN is throwing?

can you maybe talk about the confidence in the acceleration in the second half, like some of the puts and takes in exiting at 6% to 7%

Can you maybe clarify the capital allocation drivers? It looks like there's a lot of incremental here

can you educate us a little bit what you guys are doing? Because if anyone is at the forefront of agentic trading

isn't Robinhood Markets, Inc. sort of the best AI company out there? Why aren't these things actually huge tailwinds for you

Bitstamp very, very strong, I think, over 60% growth quarter-over-quarter. This seems incredibly strategic to Robinhood. Can you maybe elaborate on the long-term strategic importance

can you maybe talk a little bit about the long-term strategic opportunities with private -- tokenization of private assets

what should we be thinking about in terms of like the trajectory of the growth here because it seems to be

can you maybe lay out some of the long-term plans or medium-term plans for this very important part of the universe?

On Buy Now, Pay Later, huge momentum here. Can you maybe give us sort of the lay of the land, like how you view, Alex, the industry? Who are you gaining share from most and in what territories?

Is there any way to quantify that, that would be great

Can you give us maybe a sense of how much traction you're getting there and what you're doing to get those nice results

can you maybe update us on how PISMO is trending you know, in terms of wins with large versus small banks

has the growth been helped by your services and consulting that you're providing on stablecoins?

what is driving the uptick in product velocity and what is supporting it?

I just wanted to ask about your primary banking actives, Amrita and Jack. I mean this looks like a very, very strong quarter, 1 million PBAs added, accelerating growth to almost 23%

I wanted to see maybe if you've done any testing or anything that could give us an indication

I do have a question. We're getting a lot of inbounds on it this afternoon on this topic

you said you continue to expect to deliver it in the second half of the year

Could it -- maybe could it be the next Cash App? Like how big is the upside from that and what's the long-term vision