$DLO DLocal Ltd Deep Dive and 2025 Outlook

The payment processor is still in a fintech rout

dLocal Ltd. is a payment processing platform facilitating online transactions between global merchants and customers in emerging markets. Founded in 2016 in Uruguay by Andrés Bzurovski Bay and Sergio Enrique Fogel Kaplan, dLocal's mission is to bridge the payments innovation gap between developed and emerging economies.

dLocal offers a suite of payment solutions, including pay-in and pay-out solutions, local-to-local payment capabilities, and dLocal for Platforms, an end-to-end payment solution. These solutions support various payment methods, such as local and international credit cards, online bank transfers, direct debits, cash payments, and alternative payment methods.

dLocal provides a single API for access to its global platform, which is built to be flexible and scalable. This technology eliminates the need for merchants to manage multiple payment processors and local entities.

dLocal serves enterprise-focused companies across various sectors, including retail, streaming, ride-hailing, financial institutions, advertising, SaaS, travel, e-learning, gaming, and crypto industries. Their customer base includes leading global enterprises like Didi, Microsoft, Mailchimp, Wix, and Kuaishou.

The big questions for DLocal Ltd and the stock in 2025?

1. How will DLocal's revenue growth impact its valuation?

2. What external factors could influence DLocal's performance?

3. Will DLocal be able to achieve profitability?

4. Will DLocal be able to continue to attract and retain top talent?

5. How will increased competition affect DLocal?