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SECURITIZATION TRANSACTIONS (Tables)
 9 Months Ended
Sep. 30, 2024
Securitization Transactions [Abstract]  
Collateralized Debt
The following table summarizes the Company’s collateralized debt under securitization transactions, as of September 30, 2024:
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados$202
CDI + 2.50%
Brazilian ReaisMarch 2027
Mercado Crédito Fundo de Investimento Em Direitos Creditórios Não Padronizado17
CDI + 3.50%
Brazilian ReaisAugust 2025
Olimpia Fundo de Investimento Em Direitos Creditórios30
CDI + 1.25%
Brazilian ReaisNovember 2024
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados220
CDI + 2.35%
Brazilian ReaisJanuary 2030
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados73
CDI + 5.25%
Brazilian ReaisJuly 2028
Seller Fundo De Investimento Em Direitos Creditórios192
CDI + 1.60%
Brazilian ReaisMarch 2026
Seller Fundo De Investimento Em Direitos Creditórios96
CDI + 1.80%
Brazilian ReaisMay 2026
Seller Fundo De Investimento Em Direitos Creditórios38
CDI + 1.40%
Brazilian ReaisSeptember 2026
Seller Fundo De Investimento Em Direitos Creditórios19
CDI + 1.60%
Brazilian ReaisNovember 2026
Seller II Fundo De Investimento Em Direitos Creditórios Segmento Meios De Pagamento De Rsponsabilidade Limitada183
CDI + 0.85%
Brazilian ReaisJuly 2027
Mercado Crédito Consumo XXX11
Badlar rates plus 200 basis points with a min 75% and a max 155%
Argentine PesosNovember 2024 - April 2025 (2)
Mercado Crédito Consumo XXXI16
Badlar rates plus 200 basis points with a min 45% and a max 125%
Argentine PesosDecember 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 XXXIII24
Badlar rates plus 200 basis points with a min 5% and a max 60%
Argentine PesosMarch 2025 - April 2025 (2)
Mercado Crédito Consumo XXXIV21
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosApril 2025 - July 2025 (2)
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito Consumo XXXV23
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJune 2025 - August 2025 (2)
Mercado Crédito XX1
Badlar rates plus 200 basis points with a min 100% and a max 170%
Argentine PesosSeptember 2024 - December 2024 (2)
Mercado Crédito XXI5
Badlar rates plus 200 basis points with a min 45% and a max 125%
Argentine PesosJanuary 2025 - March 2025 (2)
Mercado Crédito XXII6
Badlar rates plus 200 basis points with a min 15% and a max 70%
Argentine PesosMarch 2025 - April 2025 (2)
Mercado Crédito XXIII15
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosMay 2025 - June 2025 (2)
Mercado Crédito XXIV14
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJune 2025 - August 2025 (2)
Mercado Crédito XXV30
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJuly 2025 - August 2025 (2)
Mercado Crédito XXVI34
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust 2025 - October 2025 (2)
Mercado Crédito XXVII (1)
28
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust 2025 - October 2025 (2)
Fideicomiso de administración y fuente de pago CIB/3756214
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/336931
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/3369231
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.8%
Mexican PesosJuly 2027
Fideicomiso Irrevocable de Administración y Fuente de Pago número CIB/4372 53
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.5%
Mexican PesosAugust 2027
$1,845
(1) As of September 30, 2024, Loans payables owned by this trust were obtained through private placements. Mercado Crédito XXVII trust made a public bond offering in the Argentine stock market on October 7, 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 September 30, 2024 and December 31, 2023 as follows:
September 30,
2024		December 31,
2023
Assets(In millions)
Current assets:
Restricted cash and cash equivalents$480 $355 
Credit card receivables and other means of payments, net32 105 
Loans receivable, net of allowances1,444 1,198 
Total current assets1,956 1,658 
Non-current assets:
Long-term investments19 23 
Loans receivable, net of allowances86 27 
Total non-current assets105 50 
Total assets$2,061 $1,708 
Liabilities
Current liabilities:
Loans payable and other financial liabilities$390 $693 
Other liabilities42 1 
Total current liabilities432 694 
Non-current liabilities:
Loans payable and other financial liabilities1,455 782 
Total non-current liabilities1,455 782 
Total liabilities$1,887 $1,476