DLocal Limited (DLO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.638 At this time, all participants are in a listen-only mode. 00:00:03.638 -- 00:00:06.985 After the speaker's presentation, there will be a question and answer session. 00:00:06.985 -- 00:00:13.795 Instructions will be given at that time. I will now hand the call over to the company. 00:00:24.888 -- 00:00:30.214 Good afternoon, everyone, and thank you for joining the third quarter 2025 earnings 00:00:30.214 -- 00:00:35.240 call. If you have not seen the earnings release, a copy is posted in the financials 00:00:35.240 -- 00:00:38.183 section of the Investor Relations website. 00:00:38.183 -- 00:00:43.249 On the call today, you have Pedro Arndt, Chief Executive Officer, Jeffrey Brown, 00:00:43.249 -- 00:00:48.655 Interim Chief Financial Officer, Chris Strohmeyer, SVP of Corporate Development, 00:00:48.655 -- 00:00:52.462 and Mirele Aragal, Head of Investor Relations. 00:00:52.462 -- 00:00:57.211 A slide presentation has been provided to accompany the prepared remarks. 00:00:57.211 -- 00:01:02.421 This event is being broadcast live via webcast and both the webcast and presentation 00:01:02.421 -- 00:01:06.866 may be accessed through the D-Local website at investor.dlocal.com. 00:01:08.493 -- 00:01:12.695 The recording will be available shortly after the event is concluded. 00:01:12.695 -- 00:01:16.826 Before proceeding, let me mention that any forward-looking statements included in the 00:01:16.826 -- 00:01:22.220 presentation or mentioned in this conference call are based on currently available information 00:01:22.220 -- 00:01:28.186 and dlocal's current assumptions, expectations, and projections about future events. 00:01:28.186 -- 00:01:32.812 Whilst the company believes that our assumptions, expectations and projections are reasona...