Remitly Global, Inc. (RELY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.757 Thank you for 00:00:02.757 -- 00:00:05.899 standing by. 00:00:16.703 -- 00:00:20.488 If your question has been answered and you'd like to remove yourself from the queue, 00:00:20.488 -- 00:00:24.853 simply press star 1-1 again. We ask that you please limit yourselves to one question 00:00:24.853 -- 00:00:27.696 each. You may get back in the queue as time allows. 00:00:27.696 -- 00:00:30.820 As a reminder, today's program is being recorded. 00:00:30.820 -- 00:00:35.125 And now I'd like to introduce your host for today's program, Dave Beckel, Vice President, 00:00:35.125 -- 00:00:40.332 Festival Agent, and Strategic Planning. Please go ahead, sir. 00:00:40.332 -- 00:00:44.557 Thank you. Good afternoon, and thank you for joining us for Remitly's third quarter 2025 00:00:44.557 -- 00:00:49.755 earnings call. Joining me on the call today are Matt Oppenheimer, co-founder and chief 00:00:49.755 -- 00:00:54.823 executive officer of Remitly, and Vikas Mehta, chief financial officer. 00:00:54.823 -- 00:00:58.810 Results and additional management commentary are available in the earnings release and 00:00:58.810 -- 00:01:03.033 presentation slides, which can be found at ir.remitly.com. 00:01:03.597 -- 00:01:08.695 Please note that this call will be simultaneously webcast on the Investor Relations website. 00:01:08.695 -- 00:01:12.622 Before we start, I would like to remind you that we will be making forward-looking statements 00:01:12.622 -- 00:01:17.129 within the meaning of the federal securities laws, including but not limited to statements 00:01:17.129 -- 00:01:22.478 regarding Remitly's future financial results and management's expectations and plans. 00:01:22.478 -- 00:01:26.725 These statements are neither promises nor guarantees and in...