Payoneer Global Inc. (PAYO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.534 Ladies and gentlemen, thank you for standing by. 00:00:02.534 -- 00:00:05.799 My name is Colby, and I'll be your conference operator today. 00:00:05.799 -- 00:00:10.865 At this time, I'd like to welcome you to the Payoneer third quarter 2025 earnings call. 00:00:10.865 -- 00:00:14.490 All lines have been placed on mute to prevent any background noise, and after the speaker's 00:00:14.490 -- 00:00:17.414 remarks, there will be a question and answer session. 00:00:17.414 -- 00:00:20.959 If you'd like to ask a question at that time, please press star, then the number one 00:00:20.959 -- 00:00:25.184 on your telephone keypad. If you'd like to withdraw your question at any time, please 00:00:25.184 -- 00:00:30.982 press star one again. Thank you. I would now like to turn the call over to Michelle Wang. 00:00:30.982 -- 00:00:33.363 Please go ahead. 00:00:34.267 -- 00:00:38.412 Thank you, Operator. With me on today's call are Payoneer's Chief Executive Officer, 00:00:38.412 -- 00:00:43.356 John Kaplan, and Payoneer's Chief Financial Officer, Bea Ordonez. 00:00:43.719 -- 00:00:47.424 Before we begin, I'd like to remind you that today's call may contain forward-looking 00:00:47.424 -- 00:00:50.668 statements, which are subject to risks and uncertainties. 00:00:50.668 -- 00:00:54.754 For more information, please refer to our filings with the SEC, which are available in 00:00:54.754 -- 00:00:58.256 the Investor Relations section of Payoneer.com. 00:00:58.587 -- 00:01:03.092 Actual results may differ materially from any forward-looking statements we make today. 00:01:03.092 -- 00:01:07.017 These forward-looking statements speak only as of today, and the company does not assume 00:01:07.017 -- 00:01:11.021 any obligation or intent to update the...