dlocal

• Founded in 2016 and headquartered in Montevideo, Uruguay, dLocal is a fintech company focused on cross-border payments in emerging markets.
• Company positioning: The world's leading localized payment platform, connecting international enterprises with consumers in emerging markets such as Africa, Asia, and Latin America.
• Market coverage: The business covers 40+ countries, supports 900+ local payment methods, and has an annual transaction volume of more than 25 billion US dollars.

Core products and

1. servicesCross-border payment processingLocal acquiring: support credit cards, e-wallets, bank transfers, cash payments, etc., to improve transaction authorization rates in emerging markets. Fund issuance: help enterprises manage supplier payments, refunds, cross-border settlements, and reduce the impact of foreign exchange fluctuations. Pix Payments (Brazil): Certified by the Central Bank of Brazil PISP to directly process Pix transactions, an instant payment system.
2. "One dLocal" platform single API integration: Businesses can connect once to local payment methods in 40+ markets around the world. Unified settlement: Support multi-currency settlement, avoiding the need for enterprises to set up local entities or manage multiple payment service providers.
3. Value-added service fraud management: Leverage AI risk control models to reduce chargeback rates and improve transaction security. Compliance support: Real-time monitoring of regulatory changes in emerging markets (e.g., foreign exchange controls, data localization) to ensure business compliance.

Market Positioning and Strategy

• Focus on Emerging Markets: Focus on Latin America, Africa, the Middle East, and Southeast Asia, covering 2 billion+ consumers.
• M&A and partnership to drive growth: Partnering with PayPal to expand local payment access in 40+ emerging markets by 2025. In 2025, it will obtain the FCA payment license in the United Kingdom to serve British enterprises to expand into the African and Asian markets.
• Localization strategy: Cooperate with Alipay and WeChat Pay in China to serve cross-border e-commerce. Support UPI in India and promote mobile money in Africa.

TECHNOLOGICAL INNOVATION AND INDUSTRY

• IMPACTAXIUM PLATFORM: AN ANDROID-BASED SMART TERMINAL THAT SUPPORTS AN OPEN PAYMENT ECOSYSTEM.
• Open banking integration: Connect financial institutions via APIs to drive card-not-present payments.
• Cryptocurrency Pilot: Testing in France in 2023 Crypto Payment Acceptance.

Neutral evaluation

advantage:

1. Emerging market leadership: covering 40+ countries, supporting 900+ payment methods, and leading transaction size.
2. Technology integration capabilities: A single API simplifies cross-border payments and reduces business operating costs.
3. Compliance Advantages: 30+ licenses ensure that global businesses operate legally.

Challenge:

1. Emerging market risk: foreign exchange controls and high inflation in some countries affect liquidity.
2. Security and compliance pressures: Ongoing response to cyberattacks and regulatory changes.