dLocal

dLocal

Cross-border payments platform for merchants

Overview

dLocal is a financial technology company that provides cross-border payment solutions for global merchants, especially in emerging markets. It enables pay-ins (accepting online payments) and pay-outs (issuing refunds) through multiple routes using local payment methods and regional compliance. By connecting international businesses with consumers in growing markets, dLocal helps merchants expand globally while meeting local regulations and handling transaction fees. The company differentiates itself by focusing on emerging economies, offering a broad set of local payment options, and ensuring regulatory compliance to enable seamless, borderless transactions. Its goal is to bridge the payments innovation gap between global brands and emerging markets, supporting international growth for its clients.

About dLocal

Simplify's Rating
Why dLocal is rated
C+
Rated B on Competitive Edge
Rated B on Growth Potential
Rated D+ on Differentiation

Industries

Fintech

Financial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Montevideo Department, Uruguay

Founded

2016

Simplify Jobs

Simplify's Take

What believers are saying

  • APAC cross-border commerce exceeds $4T by 2028 via Damisa partnership.
  • Global remittances hit $270B by 2032 powered by National Exchange integration.
  • Revenue crossed $1.09B in 2025 with 25.7% CAGR to $1.7B by 2028.

What critics are saying

  • Top-3 client cuts 20% volume, slashing 8-12% revenue in 6-12 months.
  • Brazil PIX adoption reaches 90% by 2027, collapsing LATAM payout margins.
  • Nigeria, Egypt central banks mandate local licensing, forcing exit from 25% TAM in 18-36 months.

What makes dLocal unique

  • dLocal offers single API for 1000+ local payment methods across 44 emerging markets.
  • Handles fragmented ecosystems with pay-in, pay-out, marketplace, and B2B invoicing products.
  • Simplifies cross-border FX, compliance, and fraud mitigation exclusively in global south.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$974.6M

Above

Industry Average

Funded Over

4 Rounds

Notable Investors:
IPO funding comparison data is currently unavailable. We're working to provide this information soon!
IPO Funding Comparison
Coming Soon

Benefits

Remote Work Options

Flexible Work Hours

Learning & development: get access to a Premium Coursera subscription

Language classes: we provide free English, Spanish, or Portuguese classes

Social budget

dLocal Houses

Stock Price

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

0%

2 year growth

1%
Yahoo Finance
Apr 14th, 2026
DLocal and Penguin Solutions trade below estimated value with strong earnings growth

Penguin Solutions, trading at $24.38, appears undervalued based on its estimated future cash flow value of $28.29. Despite recent revenue declining slightly to $343 million, net income surged to $37.45 million from $8.08 million the previous year, demonstrating improved profitability. The company's earnings are forecast to grow 61.2% annually over the next three years, significantly outpacing broader market expectations. Penguin Solutions generates revenue across three segments: Optimised LED ($239.81 million), Integrated Memory ($570.43 million) and Advanced Computing ($538 million), with a market capitalisation of $1.17 billion. Strategic alliances and innovative AI solutions are expected to support the company's growth prospects. The analysis suggests the stock is trading below its estimated value based on discounted cash flow calculations.

Yahoo Finance
Mar 20th, 2026
dLocal crosses $1B revenue, launches BNPL and stablecoin suite across 44 markets

dLocal Limited reported fourth-quarter 2025 sales of $337.89 million and net income of $55.54 million, bringing full-year revenue to $1.09 billion and net income to $196.8 million. The payments company crossed the $1 billion annual revenue threshold for the first time whilst launching Buy Now Pay Later, a stablecoin suite and expanding to 44 markets. The company completed a board refresh in late 2025, establishing a majority independent, nine-member board with seven new directors appointed over three years. However, customer concentration and pressure on take rates remain key risks. Analysts' narrative projects $1.7 billion revenue and $346.3 million earnings by 2028, requiring 25.7% yearly revenue growth. The most optimistic forecasts suggest revenue could reach $2.0 billion with earnings of approximately $420 million.

Yahoo Finance
Mar 17th, 2026
DLocal reports Q4 2025 earnings on 18 March with revenue expected at $297M

DLocal Ltd is set to release its Q4 2025 earnings on 18 March 2026. The consensus estimate for Q4 revenue is $297.28 million, with earnings expected at $0.18 per share. Full-year 2025 revenue is projected at $1.05 billion, with earnings of $0.66 per share. Over the past 90 days, revenue estimates for 2026 have increased from $1.36 billion to $1.37 billion, whilst earnings estimates rose from $0.85 to $0.87 per share. In Q3 2025, the company beat revenue expectations by 7.82% and earnings estimates by 6.25%, leading to a 2.34% share price increase. Based on nine analysts' price targets, the average target price is $17.67, suggesting a 55.38% upside from the current price of $11.37. The average brokerage recommendation is 2.1, indicating "Outperform" status.

Asset Servicing Times
Feb 26th, 2026
Stable Sea and dLocal partner

Stable Sea and dLocal partner. 26 February 2026 US Reporter: Matthew Challis Image: AntonKhrupinArt/stock.adobe.com Stable Sea, provider of an institutional platform to convert stablecoins into local fiat currency, has partnered with dLocal, an international B2B cross-border payment platform, in a bid to extend Stable Sea's payout and settlement capabilities. According to firms, the initiative intends to address the reliance of cross-border payments on legacy infrastructure and its subsequent challenges, such as structural inefficiencies impacting liquidity, reconciliation, and foreign exchange risk. The partnership leverages dLocal's payment rails in a bid to give businesses and treasury teams an alternative to traditional bank wires and correspondent banking networks, with Stable Sea clients gaining the ability to route large-ticket cross-border payments. Tanner Taddeo, CEO and co-founder of Stable Sea, believes that "traditional cross-border payments were not built for modern businesses," and that the initiative will "give businesses faster, cheaper, and more predictable global settlement". Crypto vertical lead at dLocal, Rocio Rodriquez Saa, adds: "Working with Stable Sea allows us to extend our local market expertise into stablecoin-enabled workflows, helping businesses reduce friction and move money more efficiently across borders." Next payments article NO FEE, NO RISK 100% ON RETURNS If you invest in only one asset servicing news source this year, make sure it is your free subscription to Asset Servicing Times

PR Newswire
Feb 24th, 2026
Stable Sea and dLocal partner to power B2B cross-border stablecoin payments

Stable Sea has partnered with dLocal (NASDAQ: DLO) to enable low-cost, high-speed B2B stablecoin-powered international payments across emerging and developed markets. The collaboration combines Stable Sea's stablecoin rails with dLocal's local payment infrastructure spanning over 40 countries. The partnership addresses inefficiencies in traditional cross-border payments, which exceed $35 trillion annually but rely on legacy infrastructure. By compressing settlement cycles and improving visibility, the solution helps treasury teams reduce prefunding requirements, manage FX risk and improve capital efficiency. Stable Sea users can route large-ticket cross-border payments through stablecoin rails whilst leveraging dLocal's local payout network, significantly reducing costs and settlement times compared to traditional bank wires and correspondent banking networks.

Recently Posted Jobs

Sign up to get curated job recommendations

dLocal is Hiring for 44 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify. Browse all jobs →