dLocal is a payments technology and fintech platform that facilitates cross-border transactions and digital commerce across emerging markets in Latin America, Africa, and Asia through direct payment processing and partnerships with local financial institutions. The company serves online merchants, digital marketplaces, fintech providers, and payment service providers by offering cross-border payment processing, local payment methods, digital wallet integrations, working capital financing, and emerging capabilities in cryptocurrency settlement and remittances. dLocal generates revenue primarily from transaction fees and foreign exchange spreads on the payment volumes it processes, along with lending margins from merchant financing products, while maintaining regulatory licenses and registrations across multiple jurisdictions including the European Union, United Kingdom, and dozens of additional countries where it operates.