dLocal Insights | Investor Relations Podcast

Fireside Chat with Pedro Arnt at the Goldman Sachs Communacopia + Technology Conference 2026

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey our current expectations or forecasts of future events. Forward-looking statements regarding dLocal involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in our filings with the U.S. Securities and Exchange Commission. Unless required by law, we undertake no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey dLocal’s current expectations or forecasts of future events, including guidance in respect of total payment volume, gross profit and operating profit. Forward-looking statements regarding dLocal and amounts stated as guidance involve known and unknown risks, uncertainties and other factors that may cause dLocal’s actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in the “Risk Factors,” and “Cautionary Statement Regarding Forward-Looking Statements” sections of dLocal’s filings with the U.S. Securities and Exchange Commission. Unless required by law, dLocal undertakes no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

Starting in 2026, we provide guidance in respect of Operating Profit, which management believes is useful as a measure to compare our operating results to the operations of other companies in our industry, and to assess our operating performance independently of our capital structure, tax position, and non-cash depreciation and amortization charges.

dLocal Reports Second Quarter 2026 Financial Results | Prepared Remarks Replay

More information: ⁠https://investor.dlocal.com/⁠ 

Forward Looking Statements

This episode contains certainforward-looking statements. These forward-looking statements convey dLocal’scurrent expectations or forecasts of future events, including guidance inrespect of total payment volume, gross profit and operating profit. Forward-lookingstatements regarding dLocal and amounts stated as guidance involve known andunknown risks, uncertainties and other factors that may cause dLocal’s actualresults, performance or achievements to be materially different from any futureresults, performances or achievements expressed or implied by theforward-looking statements. Certain of these risks and uncertainties aredescribed in the “Risk Factors,” and “Cautionary Statement RegardingForward-Looking Statements” sections of dLocal’s filings with the U.S.Securities and Exchange Commission. Unless required by law, dLocal undertakesno obligation to publicly update or revise any forward-looking statements toreflect circumstances or events after the date hereof.

Starting in 2026, we provide guidance in respect ofOperating Profit, which management believes is useful as a measure to compareour operating results to the operations of other companies in our industry, andto assess our operating performance independently of our capital structure, taxposition, and non-cash depreciation and amortization charges.

Why Asia’s payment complexity is a merchant opportunity

In this special edition of dLocal Insights, VP of Corporate Affairs Ed Aitken sits down with Yang Yang, dLocal's newly appointed CEO for Asia-Pacific, to explore what it genuinely takes to win in one of the world's most complex and exciting payments regions.

The conversation covers why getting into Asian markets is rarely the hard part — and why understanding how people actually pay is. From the fragmentation of hundreds of local payment systems across the region, to why Asia's small share of global merchant volumes signals underserved demand rather than weak appetite, Yang Yang makes the case for why the companies that move now will shape the next decade of global commerce. 

She also shares her vision for dLocal's role in the region: building on local rails, strengthening national payment ecosystems, and turning fragmentation into a right to operate.

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey our current expectations or forecasts of future events. Forward-looking statements regarding dLocal involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in our filings with the U.S. Securities and Exchange Commission. Unless required by law, we undertake no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

Fireside Chat with Pedro Arnt at the J.P. Morgan 2026 Global Technology, Media and Communications Conference

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey our current expectations or forecasts of future events. Forward-looking statements regarding dLocal involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in our filings with the U.S. Securities and Exchange Commission. Unless required by law, we undertake no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

dLocal Reports First Quarter 2026 Financial Results | Prepared Remarks Replay

More information: https://investor.dlocal.com/ 

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey dLocal’s current expectations or forecasts of future events, including guidance in respect of total payment volume, gross profit and operating profit. Forward-looking statements regarding dLocal and amounts stated as guidance involve known and unknown risks, uncertainties and other factors that may cause dLocal’s actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in the “Risk Factors,” and “Cautionary Statement Regarding Forward-Looking Statements” sections of dLocal’s filings with the U.S. Securities and Exchange Commission. Unless required by law, dLocal undertakes no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

Starting in 2026, we provide guidance in respect of Operating Profit, which management believes is useful as a measure to compare our operating results to the operations of other companies in our industry, and to assess our operating performance independently of our capital structure, tax position, and non-cash depreciation and amortization charges.

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey dLocal’s current expectations or forecasts of future events, including guidance in respect of total payment volume, gross profit and operating profit. Forward-looking statements regarding dLocal and amounts stated as guidance involve known and unknown risks, uncertainties and other factors that may cause dLocal’s actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in the “Risk Factors,” and “Cautionary Statement Regarding Forward-Looking Statements” sections of dLocal’s filings with the U.S. Securities and Exchange Commission. Unless required by law, dLocal undertakes no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

Starting in 2026, we provide guidance in respect of Operating Profit, which management believes is useful as a measure to compare our operating results to the operations of other companies in our industry, and to assess our operating performance independently of our capital structure, tax position, and non-cash depreciation and amortization charges.

Episode 2 - Licensed to grow: How compliance fuels dLocal's competitive advantage

In this episode, SVP of Corporate Development Christopher Stromeyer sits down with Chief Legal & Compliance Officer Gabriela Vieira to unpack how trust, governance, and regulatory infrastructure sit at the core of dLocal’s model across some of the world’s most complex emerging markets. The conversation dives into how regulators think about cross‑border payments, the role of AI and automation in scaling compliance and reducing friction for merchants, the evolving regulatory landscape for stablecoins, and how all of this translates into long‑term, durable relationships with some of the world’s largest merchants.

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey our current expectations or forecasts of future events. Forward-looking statements regarding dLocal involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in our filings with the U.S. Securities and Exchange Commission. Unless required by law, we undertake no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.

Episode 1 – Meet our CFO: Guillermo Lopez Perez

In the inaugural episode of dLocal Insights | Investor Relations Podcast, we welcome our new Chief Financial Officer, Guillermo Lopez Perez, to discuss his extensive experience in the payments industry, his motivations for joining dLocal, and his vision for the finance function.

Forward Looking Statements

This episode contains certain forward-looking statements. These forward-looking statements convey our current expectations or forecasts of future events. Forward-looking statements regarding dLocal involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in our filings with the U.S. Securities and Exchange Commission. Unless required by law, we undertake no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.