Payoneer Global Inc. (PAYO) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.413 Ladies and gentlemen, thank you for standing by. 00:00:02.413 -- 00:00:06.337 My name is Demi, and I'll be your conference operator today. 00:00:06.337 -- 00:00:11.423 At this time, I would like to welcome you to the Pioneer fourth quarter 2025 earnings 00:00:11.423 -- 00:00:16.908 conference call. All lines have been placed on mute to prevent any background noise. 00:00:16.908 -- 00:00:20.692 After the speaker's remarks, there will be a question and answer session. 00:00:20.692 -- 00:00:24.556 Thank you. I would now like to turn the call over to Michelle Wang. 00:00:24.556 -- 00:00:26.508 Please go ahead. 00:00:26.508 -- 00:00:30.932 Thank you, Operator. With me on today's call are Payoneer's Chief Executive Officer, 00:00:30.932 -- 00:00:34.816 John Kaplan, and Payoneer's Chief Financial Officer, Bea Ordonez. 00:00:34.816 -- 00:00:38.399 Before we begin, I'd like to remind you that today's call may contain forward-looking 00:00:38.399 -- 00:00:41.522 statements, which are subject to risks and uncertainties. 00:00:41.522 -- 00:00:45.626 For more information, please refer to our filings with the SEC, which are available in 00:00:45.626 -- 00:00:48.769 the Investor Relations section of Payoneer.com. 00:00:48.769 -- 00:00:52.985 Actual results may differ materially from any forward-looking statements we make today. 00:00:52.985 -- 00:00:56.870 These forward-looking statements speak only as of today, and the company does not assume 00:00:56.870 -- 00:01:00.756 any obligation or intent to update them except as required by law. 00:01:00.756 -- 00:01:03.479 In addition, today's call may include non-GAAP measures. 00:01:03.479 -- 00:01:07.284 These measures should be considered in addition to and not instead of GAAP financial 00:01:07.284...