dLocal connects your crypto business to 60+ emerging markets and 1,000+ local payment methods through one API and one contract, plus stablecoins (USDC and USDT) as an additional layer via Stablecoin Full, for funding, settlement, on/off‑ramps, checkout, and global payouts.
Use it when you:
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Want stablecoins to behave as a fully supported payment method
both for accepting payments and for paying users, merchants, and partners worldwide.
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Need on- and off-ramps
that connect your crypto or stablecoin stack to local fiat rails in emerging markets.
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Want to settle merchant or partner payouts faster
with lower FX drag, using stablecoin treasury flows and local disbursements.
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Run a remittance, payment, or treasury business
that uses stablecoins internally but must pay out (or collect) in local methods and currencies.
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Operate a crypto exchange or Web3 platform
that needs to go “local” on the fiat side—APMs, and bank rails—via one integration.
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Must consolidate compliance, FX, and treasury operations
across many corridors without multiplying partners and contracts.
The challenge of crypto in emerging markets
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Your current statusThe challenge of crypto in emerging markets: Multiple currencies and local payment methods
Every emerging market has its own mix of cards, bank rails, eWallets, mobile money, and cash networks.
Unfamiliar payment methods hinder growth.
Crypto SolutionSolutions: Local Payins and Payouts for crypto businesses
Use Payins to let users fund their accounts in local currency via the methods they already trust, and Payouts to deliver local‑currency disbursements to users, merchants, and partners. Useful for exchanges, wallets, remittance apps, and Web3 platforms that need to “go local” on the fiat side.
Higher approval rates, fewer rejections
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Your current statusThe challenge of crypto in emerging markets: Bridging blockchain speed with legacy rails
On‑chain settlement can move in seconds, but funds often hit slow, opaque, and expensive cross‑border infrastructure on the fiat side, undermining the speed and cost advantages users expect from crypto.
Lower speed, higher cost
Crypto SolutionSolutions: Stablecoins as a fully supported payment method
Through Stablecoin Full, stablecoins (USDC and USDT) work end to end across six modules: fund your dLocal balance in stablecoins, settle local collections in stablecoins, run stablecoin‑powered on/off‑ramps, accept stablecoins at checkout, and send stablecoin payouts to beneficiaries worldwide. You can choose how much crypto exposure you want: settle in stablecoins, in fiat, or in a mix.
Fast payouts and crypto exposure control
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Your current statusThe challenge of crypto in emerging markets: FX volatility and access constraints
Cross‑border flows are exposed to FX swings, capital controls, and uneven access to USD liquidity.
Regulatory difficulty
Crypto SolutionSolutions: Risk and compliance built for crypto‑facing flows
dLocal operates under local licenses and applies controls tailored to crypto‑facing flows on the fiat leg, supported by Defense Suite for fraud and dispute management. Local regulatory and FX expertise across emerging markets helps you align your operations with each jurisdiction’s requirements.
Seamless regulatory support
Key solutions for crypto
Explore solutions-
Stablecoin Full
Stablecoins for emerging markets
The complete stablecoin infrastructure for emerging markets, with six modules under one API: Funding, Settlement, On‑Ramp, Off‑Ramp, Checkout, and Payouts.
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Payins
The core of your income
Learn more about PayinsCollect fiat from users in emerging markets via local cards, bank transfers, wallets, mobile money, cash-based methods, and instant schemes; map these flows into your crypto, stablecoin, or platform logic.
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Payouts
Pay using your preferred method and currency.
Learn more about PayoutsDeliver local-currency payouts to users, merchants, and partners via bank, mobile money, wallets, card payouts, or cash-out, funded from your fiat or stablecoin treasury.
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dLocal for Platforms
Designed for platforms with multiple participants
Learn more about dLocal for PlatformsManage multi-party flows and balances, where you connect senders, recipients, merchants, or partners under one platform model, settling them in local currencies.
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Defense Suite
Protection with real-time monitoring
Learn more about Defense SuiteStrengthen protection around fiat rails, with real-time monitoring and dispute management tuned to the risk profile of emerging markets.
Benefits of crypto payments in emerging markets
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Faster, more predictable global settlement
It connects stablecoin networks with local collections and payouts, accelerating fund availability and providing real-time visibility for treasury operations.
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Better economics and FX control
Stablecoins and local rails mitigate FX volatility and cross-border fees, optimizing costs without the need to manage multiple banks and PSPs.
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Simpler operations and scalable infrastructure
A single API and contract unify fiat and stablecoin flows across more than 60 markets, eliminating additional on-chain providers and simplifying IT.
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Stronger risk and compliance posture
Protects fiat flows against fraud and supports AML/KYC processes with local expertise and auditable records for regulators and banking partners.
Key payment flows
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Local deposits and On-Ramp
Let users fund an account in the currency and method they already use. Your platform remains responsible for the digital-asset balance and any on-chain action.
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User chooses a local method
Show the relevant cards, instant payments, bank transfers, wallets, mobile money or cash-based options for that market.
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dLocal collects local currency
Payins processes the transaction through the supported local rail and returns its status to your platform.
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Your platform credits the account
After confirmation, you update the user balance. Where Settlement or On-Ramp is enabled, dLocal can settle in fiat or supported stablecoins according to your setup.
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Local withdrawals and Off-Ramp
Pay users, merchants and partners in the local currency and method they prefer, whether your payout balance is funded in fiat or, where supported, in stablecoins.
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You approve the withdrawal
Your platform verifies the beneficiary and the amount, then sends a payout instruction to dLocal.
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You fund the payout balance
Fund with fiat, or with USDC/USDT on a supported network when Stablecoin Funding or Off-Ramp is enabled.
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dLocal pays out locally
dLocal handles the applicable FX and delivers funds through bank, wallet, mobile money, card or other supported local rails, with status and reporting returned to you.
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Stablecoin Checkout
Offer USDC or USDT alongside your other checkout methods, where the product and network are available. You can choose an agreed fiat or stablecoin settlement model.
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Customer chooses a stablecoin
Present the available asset and network at checkout, with the amount and payment instructions.
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Customer pays from a wallet
The customer sends USDC or USDT on the supported network; dLocal monitors the payment and confirms its status.
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You receive the agreed settlement
Once confirmed, dLocal credits your balance in the agreed fiat currency or supported stablecoin. Your platform completes the order.
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Global stablecoin payouts
Send USDC or USDT to eligible beneficiary wallets on supported networks, without converting the payout into local fiat.
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You set the beneficiary and network
Send the wallet address, supported asset, network and payout amount through the API, subject to the required checks.
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dLocal sends the stablecoins
On approval, dLocal transfers USDC or USDT to the beneficiary wallet on the selected supported network.
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Track the payout status
Transaction status and references support your reconciliation and beneficiary communication.
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Payment methods relevant to the sector
To make crypto and stablecoins useful in everyday life, you must connect them to the payment methods people already rely on and, when relevant, to stablecoins as an additional rail.
View all payment methods-
Real‑time bank payments and instant schemes
Ideal for fast cash‑in and cash‑out experiences (e.g., Pix, SPEI, UPI), aligning crypto speed with local expectations.
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Digital wallets and super apps
In many markets, wallets are the default way to store and spend value, making them essential endpoints for on/off‑ramps.
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Mobile money
Critical in large parts of Africa, where mobile accounts are the primary financial product for users.
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Bank transfers and accounts
Key for users and merchants who want funds delivered into traditional banking infrastructure.
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Cash and agent networks
Still important for reaching cash‑preferring users and connecting offline economies to digital rails.
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Cards
Useful both as a funding option and, in some contexts, as a payout or refund channel.
Got questions?
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What is Stablecoin Full?
Stablecoin Full is dLocal’s complete stablecoin infrastructure for emerging markets. It bundles six modules under one API—Funding, Settlement, On‑Ramp, Off‑Ramp, Checkout, and Payouts—across three pillars: Treasury & FX, Crypto ↔ Local Rails, and Checkout & Transfer.
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Is dLocal a crypto exchange, custodian, or stablecoin issuer?
No. dLocal is a payments infrastructure provider, not an exchange, custodian, or issuer.
You (and/or your chosen partners) handle digital asset custody and trading, while dLocal provides the fiat-side rails—local payins, payouts, FX, and compliance-aligned infrastructure in emerging markets.
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Which stablecoins does dLocal support?
dLocal currently supports USDC and USDT across Stablecoin Full. The list of supported networks and the availability of specific modules per jurisdiction are published on dLocal’s stablecoins page and confirmed during onboarding.
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Can I accept stablecoins as a payment method without holding them?
Yes. With Stablecoin Checkout you can list stablecoins as an accepted payment method at checkout while choosing to receive your settlement in your agreed fiat currency, so accepting stablecoins doesn’t force a change in your operating currency.
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Can we use dLocal only for fiat rails and ignore stablecoins?
Yes. Many customers use dLocal purely for fiat rails—local Payins, Payouts, and platform flows—while running any crypto or stablecoin logic separately.
You can start with fiat-only flows and later explore stablecoin-enabled treasury models if and when regulations, risk, and strategy align.
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How does dLocal help with AML/KYC expectations?
You remain responsible for KYC, AML, and sanctions screening for your users and business model.
dLocal supports those obligations by providing transaction-level data, fraud prevention tools, and local regulatory expertise on the fiat side, helping you align flows with bank and regulator expectations.
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How fast can we onboard new markets and payment methods?
Once you integrate with dLocal, adding new countries and methods is primarily a matter of configuration, testing, and compliance alignment, not new core builds.
This lets you expand corridors and endpoints faster than building direct bank or PSP connections in each market.
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Can dLocal handle both B2C and B2B payout flows?
Yes. dLocal supports B2C payouts (to individual users or account holders) and B2B payouts (to merchants, partners, or platforms), with appropriate documentation and workflow options per use case and jurisdiction.
Are you ready to convert more interested individuals into users who transact in crypto?
Ready to scale your crypto business in emerging markets? Talk to dLocal about how our payment infrastructure can power your next move.
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