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SECURITIZATION TRANSACTIONS (Tables) | 12 Months Ended
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Dec. 31, 2024
Securitization Transactions [Abstract] |
Summary of Collateralized Debt | The following table summarizes the Company’s collateralized debt under securitization transactions, as of December 31, 2024:
SPEs |  | Collateralized debt (In millions) |  | Interest rate |  | Currency |  | Maturity
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados |  | $ | 178 |  |  | CDI + 2.50% |  | Brazilian Reais |  | March 2027
Mercado Crédito Fundo de Investimento Em Direitos Creditórios Não Padronizado |  | 16 |  |  | CDI + 3.50% |  | Brazilian Reais |  | August 2025
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados |  | 193 |  |  | CDI + 2.35% |  | Brazilian Reais |  | January 2030
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados |  | 65 |  |  | CDI + 5.25% |  | Brazilian Reais |  | July 2028
Seller Fundo De Investimento Em Direitos Creditórios |  | 164 |  |  | CDI + 1.60% |  | Brazilian Reais |  | March 2026
Seller Fundo De Investimento Em Direitos Creditórios |  | 82 |  |  | CDI + 1.80% |  | Brazilian Reais |  | May 2026
Seller Fundo De Investimento Em Direitos Creditórios |  | 33 |  |  | CDI + 1.40% |  | Brazilian Reais |  | September 2026
Seller Fundo De Investimento Em Direitos Creditórios |  | 16 |  |  | CDI + 1.60% |  | Brazilian Reais |  | November 2026
Seller II Fundo De Investimento Em Direitos Creditórios Segmento Meios De Pagamento De Rsponsabilidade Limitada |  | 162 |  |  | CDI +0.85% |  | Brazilian Reais |  | July 2027
Mercado Crédito Consumo XXXII |  | 10 |  |  | Badlar rates plus 200 basis points with a min 25% and a max 80% |  | Argentine Pesos |  | January 2025
Mercado Crédito Consumo XXXIII |  | 23 |  |  | Badlar rates plus 200 basis points with a min 5% and a max 60% |  | Argentine Pesos |  | March 2025 - April 2025 (1)
Mercado Crédito Consumo XXXIV |  | 20 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | April 2025 - July 2025 (1)
Mercado Crédito Consumo XXXV |  | 22 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | June 2025 - August 2025 (1)
SPEs |  | Collateralized debt (In millions) |  | Interest rate |  | Currency |  | Maturity
Mercado Crédito XXI |  | 1 |  |  | Badlar rates plus 200 basis points with a min 45% and a max 125% |  | Argentine Pesos |  | January 2025 - March 2025 (1)
Mercado Crédito XXII |  | 4 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 70% |  | Argentine Pesos |  | March 2025 - April 2025 (1)
Mercado Crédito XXIII |  | 14 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | May 2025 - June 2025 (1)
Mercado Crédito XXIV |  | 13 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | June 2025 - August 2025 (1)
Mercado Crédito XXV |  | 29 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | July 2025 - August 2025 (1)
Mercado Crédito XXVI |  | 34 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | August 2025 - October 2025 (1)
Mercado Crédito XXVII |  | 31 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | August 2025 - October 2025 (1)
Mercado Crédito XXVIII |  | 30 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | September - November 2025 (1)
Mercado Crédito XXIX |  | 32 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | September - November 2025 (1)
Mercado Crédito XXX |  | 38 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | October - December 2025 (1)
Mercado Crédito XXXI |  | 43 |  |  | Badlar rates plus 200 basis points with a min 15% and a max 60% |  | Argentine Pesos |  | October - December 2025 (1)
Fideicomiso de administración y fuente de pago CIB/3756 |  | 202 |  |  | The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.35% |  | Mexican Pesos |  | August 2026
Fideicomiso de administración y fuente de pago CIB/3369 |  | 29 |  |  | The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 7.0% |  | Mexican Pesos |  | July 2027
Fideicomiso de administración y fuente de pago CIB/3369 |  | 219 |  |  | The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.8% |  | Mexican Pesos |  | July 2027
Fideicomiso Irrevocable de Administración y Fuente de Pago número CIB/4372 |  | 129 |  |  | The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.5% |  | Mexican Pesos |  | August 2027
Frontal Trust Mercado Pago Créditos Fondo de Inversión |  | 5 |  |  | TAB 30 + 2.1% |  | Chilean Pesos |  | November 2027
Frontal Trust Mercado Pago Créditos Fondo de Inversión |  | 1 |  |  | TAB 30 + 3.9% |  | Chilean Pesos |  | November 2027
Frontal Trust Mercado Pago Créditos Fondo de Inversión |  | 4 |  |  | TAB 30 +4.25% |  | Chilean Pesos |  | November 2027
|  | $ | 1,842 |  |  |  |  |  |  |
(1) Minimum and maximum maturity depending on the applica ble interest rate within the range.
Summary of Assets and Liabilities of the Trust | The assets and liabilities of the SPEs through which the Company securitizes financial assets are included in the Company’s audited consolidated financial statements as of December 31, 2024 and 2023, as follows:
| December 31,
| 2024 |  | 2023
Assets | (In millions)
Current assets: |  |  |
Restricted cash and cash equivalents | $ | 492 |  |  | $ | 355 |
Credit card receivables and other means of payments, net | — |  |  | 105 |
Loans receivable, net of allowances | 1,410 |  |  | 1,198 |
Other Assets | 1 |  |  | — |
Total current assets | 1,903 |  |  | 1,658 |
Non-current assets: |  |  |
Long-term investments | 12 |  |  | 23 |
Loans receivable, net of allowances | 102 |  |  | 27 |
Total non-current assets | 114 |  |  | 50 |
Total assets | $ | 2,017 |  |  | $ | 1,708 |
Liabilities |  |  |
Current liabilities: |  |  |
Accounts payable and accrued expenses | $ | 1 |  |  | $ | — |
Loans payable and other financial liabilities | 610 |  |  | 693 |
Other liabilities | 1 |  |  | 1 |
Total current liabilities | 612 |  |  | 694 |
Non-current liabilities: |  |  |
Loans payable and other financial liabilities | 1,232 |  |  | 782 |
Total non-current liabilities | 1,232 |  |  | 782 |
Total liabilities | $ | 1,844 |  |  | $ | 1,476 |

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