dLocal

The company operates a payments infrastructure and financial technology platform focused on emerging markets. It connects global merchants and platforms to 900+ local payment methods through one API, handling local processing, settlement, FX conversion, compliance and reconciliation. It creates value by abstracting country‑specific regulatory, banking and payment method complexity, allowing merchants to operate without local legal entities while increasing payment acceptance and simplifying multi‑party flows.

Beyond core pay‑in and pay‑out processing, the firm extends its model with products such as marketplace/platform payments orchestration, B2B invoice collection in local currencies, fraud and risk management, and card issuing‑as‑a‑service. These capabilities are tightly integrated with its payment rails, which increases stickiness and share of wallet among enterprise clients and platforms operating in multiple emerging markets.

dLocal is a Uruguay‑rooted, Nasdaq‑listed payments company that provides a single API and platform for cross‑border pay‑ins, pay‑outs and card issuing across emerging markets. It focuses on enabling global merchants and platforms to accept and send funds via hundreds of local payment methods without setting up local entities, and to manage fraud, FX and reconciliation from one system.

dLocal earns revenue from enterprise and platform customers that process transactions through its rails. Key products include a white‑label marketplace/platform solution, B2B invoice collection, a Pix‑based payments product in Brazil, fraud management, and issuing‑as‑a‑service. Its customers are online platforms, marketplaces and enterprises that need to move money to and from consumers and businesses in emerging markets, and that pay dLocal transaction fees, FX margins and value‑added service fees.