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SECURITIZATION TRANSACTIONS (Tables)
 6 Months Ended
Jun. 30, 2024
Securitization Transactions [Abstract]  
Collateralized Debt
The following table summarizes the Company’s collateralized debt under securitization transactions, as of June 30, 2024:
SPEsCollateralized debt as of June 30, 2024
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados$181
CDI + 2.50%
Brazilian ReaisMay 2025
Mercado Crédito Fundo de Investimento Em Direitos Creditórios Não Padronizado16
CDI + 3.50%
Brazilian ReaisAugust 2025
Olimpia Fundo de Investimento Em Direitos Creditórios75
CDI + 1.25%
Brazilian ReaisNovember 2024
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados215
CDI + 2.35%
Brazilian ReaisJanuary 2030
Seller Fundo De Investimento Em Direitos Creditórios183
CDI + 1.60%
Brazilian ReaisMarch 2026
Seller Fundo De Investimento Em Direitos Creditórios91
CDI + 1.80%
Brazilian ReaisMay 2026
Seller Fundo De Investimento Em Direitos Creditórios36
CDI + 1.40%
Brazilian ReaisSeptember 2026
Seller Fundo De Investimento Em Direitos Creditórios18
CDI + 1.60%
Brazilian ReaisNovember 2026
Mercado Crédito Consumo XXVI3
Badlar rates plus 200 basis points with a min 100% and a max 160%
Argentine Pesos
July - November 2024 (2)
Mercado Crédito Consumo XXVII9
Badlar rates plus 200 basis points with a min 100% and a max 180%
Argentine Pesos
August 2024 - March 2025 (2)
Mercado Crédito Consumo XXVIII11
Badlar rates plus 200 basis points with a min 100% and a max 190%
Argentine Pesos
September 2024 - April 2025 (2)
Mercado Crédito Consumo XXIX11
Badlar rates plus 200 basis points with a min 75% and a max 155%
Argentine Pesos
October 2024 - March 2025 (2)
Mercado Crédito Consumo XXX12
Badlar rates plus 200 basis points with a min 75% and a max 155%
Argentine Pesos
November 2024 - April 2025 (2)
Mercado Crédito Consumo XXXI16
Badlar rates plus 200 basis points with a min 45% and a max 125%
Argentine Pesos
December 2024 - March 2025 (2)
Mercado Crédito Consumo XXXII18
Badlar rates plus 200 basis points with a min 25% and a max 80%
Argentine PesosJanuary 2025
Mercado Crédito Consumo XXXIII25
Badlar rates plus 200 basis points with a min 5% and a max 60%
Argentine Pesos
March - April 2025 (2)
Mercado Crédito Consumo XXXIV (1)
18
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine Pesos
April - July 2025 (2)
Mercado Crédito XIX1
Badlar rates plus 200 basis points with a min 100% and a max 140%
Argentine Pesos
July 2024 - August 2025 (2)
Mercado Crédito XX5
Badlar rates plus 200 basis points with a min 100% and a max 170%
Argentine Pesos
September - December 2024 (2)
Mercado Crédito XXI6
Badlar rates plus 200 basis points with a min 45% and a max 125%
Argentine Pesos
January - March 2025 (2)
Mercado Crédito XXII6
Badlar rates plus 200 basis points with a min 15% and a max 70%
Argentine Pesos
March - April 2025 (2)
Mercado Crédito XXIII (1)
14
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine Pesos
May - June 2025 (2)
SPEsCollateralized debt as of June 30, 2024
(In millions)		Interest rateCurrencyMaturity
Fideicomiso de administración y fuente de pago CIB/3756229
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.35%
Mexican PesosAugust 2026
Fideicomiso de administración y fuente de pago CIB/336933
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 7.0%
Mexican PesosJuly 2027
Fideicomiso de administración y fuente de pago CIB/3369249
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.8%
Mexican PesosJuly 2027
$1,481
(1) As of June 30, 2024, Loans payables owned by these trusts were obtained through private placements. Mercado Crédito Consumo XXXIV trust made a public bond offering in the Argentine stock market on July 15, 2024. Mercado Crédito XXIII trust made a public bond offering in the Argentine stock market on July 4, 2024.
(2) Minimum and maximum maturity depending on the applicable interest rate within the range.
Assets and Liabilities of the Trust
The assets and liabilities of the SPEs are included in the Company’s unaudited interim condensed consolidated financial statements as of June 30, 2024 and December 31, 2023 as follows:
June 30,
2024		December 31,
2023
Assets(In millions)
Current assets:
Restricted cash and cash equivalents$226 $355 
Credit card receivables and other means of payments, net61 105 
Loans receivable, net of allowances1,263 1,198 
Total current assets1,550 1,658 
Non-current assets:
Long-term investments18 23 
Loans receivable, net of allowances54 27 
Total non-current assets72 50 
Total assets$1,622 $1,708 
Liabilities
Current liabilities:
Loans payable and other financial liabilities$424 $693 
Other liabilities1 1 
Total current liabilities425 694 
Non-current liabilities:
Loans payable and other financial liabilities1,057 782 
Total non-current liabilities1,057 782 
Total liabilities$1,482 $1,476