Company: DLO
Filing Date: 2025-09-03
Form Type: 424B3
Source: 0000950103-25-011193
Chunk: 12

Company: dLocal Ltd
Filing Date: 2025-09-03
Form: 424B3
Chunk 12
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The following graphic summarizes our global operations, including the emerging market countries in which we operate and the pay-in and pay-out methods offered in each country. Since our inception, we have developed multiple new solutions for our merchants and are well-positioned to continue to innovate and be at the forefront of developments in payments technology. “dLocal for Platforms” is an example of an end-to-end payment solution we added that streamlines onboarding and verification, simplifies payment processing, provides robust funds and platform management tools and therefore enhances the overall customer experience. Most recently, we launched “smart” alternative payment methods (“SmartAPMs”), which tokenize alternative payment methods across multiple emerging markets to reduce friction and replicate card-on-file convenience, and added Buy Now Pay Later (“BNPL”) integrations that connect leading providers at checkout expanding payment options for end users which helps increasing conversion for merchants. We do not take any underlying credit risk to the buyer with our BNPL offering. Our focus on meeting merchants’ demands drives us to develop solutions that address the complex payments issues they face in emerging markets. For example:

| · | To a leading global enterprise software company, we offer a reliable, country-specific solution                                     
 that facilitates accepting payments in local currency, enabling the merchant to sell its suite of products and services in Nigeria. |

| · | For one of the largest video streaming companies in the world, we enable acceptance of local 
 payment methods from viewers eager to access their content in Peru.                          |

| · | For a leading e-commerce marketplace in Latin America, we streamlined the onboarding and KYC/KYB                        
 of thousands of sellers, split payments, offered dynamic tax withholding, and enabled settlement at scale in Argentina. |

| · | For one of the leading global internet search engines, we developed dynamic transaction routing                                          
 capabilities in Brazil to automatically direct traffic to payments providers with the highest probability of success, thus enabling more 
 reliable processing.                                                                                                                     |

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As global enterprise merchants continue to face payment complexities in both directions, they seek partners with demonstrated high acceptance rates and local capabilities for card processing, as well as high conversion rates for alternative payment methods (“APMs”), local expertise in foreign exchange (“FX”) management, compliance with local regulations, and tax and fraud management capabilities across relevant emerging markets. This contrasts with engaging providers they may already use in developed markets, where payment, infrastructure, and regulatory dynamics are different. Capitalizing on this opportunity, we have continued to expand our global presence with the goal