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SECURITIZATION TRANSACTIONS (Tables)
 12 Months Ended
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:
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados$178 
CDI + 2.50%
Brazilian ReaisMarch 2027
Mercado Crédito Fundo de Investimento Em Direitos Creditórios Não Padronizado16 
CDI + 3.50%
Brazilian ReaisAugust 2025
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados193 
CDI + 2.35%
Brazilian ReaisJanuary 2030
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados65 
CDI + 5.25%
Brazilian ReaisJuly 2028
Seller Fundo De Investimento Em Direitos Creditórios164 
CDI + 1.60%
Brazilian ReaisMarch 2026
Seller Fundo De Investimento Em Direitos Creditórios82 
CDI + 1.80%
Brazilian ReaisMay 2026
Seller Fundo De Investimento Em Direitos Creditórios33 
CDI + 1.40%
Brazilian ReaisSeptember 2026
Seller Fundo De Investimento Em Direitos Creditórios16 
CDI + 1.60%
Brazilian ReaisNovember 2026
Seller II Fundo De Investimento Em Direitos Creditórios Segmento Meios De Pagamento De Rsponsabilidade Limitada162 
CDI +0.85%
Brazilian ReaisJuly 2027
Mercado Crédito Consumo XXXII10 
Badlar rates plus 200 basis points with a min 25% and a max 80%
Argentine PesosJanuary 2025
Mercado Crédito Consumo XXXIII23 
Badlar rates plus 200 basis points with a min 5% and a max 60%
Argentine PesosMarch 2025 - April 2025 (1)
Mercado Crédito Consumo XXXIV20 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosApril 2025 - July 2025 (1)
Mercado Crédito Consumo XXXV22 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJune 2025 - August 2025 (1)
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito XXI1 
Badlar rates plus 200 basis points with a min 45% and a max 125%
Argentine PesosJanuary 2025 - March 2025 (1)
Mercado Crédito XXII4 
Badlar rates plus 200 basis points with a min 15% and a max 70%
Argentine PesosMarch 2025 - April 2025 (1)
Mercado Crédito XXIII14 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosMay 2025 - June 2025 (1)
Mercado Crédito XXIV13 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJune 2025 - August 2025 (1)
Mercado Crédito XXV29 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJuly 2025 - August 2025 (1)
Mercado Crédito XXVI34 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust 2025 - October 2025 (1)
Mercado Crédito XXVII31 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust 2025 - October 2025 (1)
Mercado Crédito XXVIII30 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosSeptember - November 2025 (1)
Mercado Crédito XXIX32 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosSeptember - November 2025 (1)
Mercado Crédito XXX38 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosOctober - December 2025 (1)
Mercado Crédito XXXI43 
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosOctober - December 2025 (1)
Fideicomiso de administración y fuente de pago CIB/3756202 
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/336929 
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/3369219 
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 129 
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.5%
Mexican PesosAugust 2027
 Frontal Trust Mercado Pago Créditos Fondo de Inversión5 
TAB 30 + 2.1%
Chilean PesosNovember 2027
 Frontal Trust Mercado Pago Créditos Fondo de Inversión1 
TAB 30 + 3.9%
Chilean PesosNovember 2027
 Frontal Trust Mercado Pago Créditos Fondo de Inversión4 
TAB 30 +4.25%
Chilean PesosNovember 2027
$1,842 
(1) Minimum and maximum maturity depending on the applicable 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,
20242023
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 allowances1,410 1,198 
Other Assets1 — 
Total current assets1,903 1,658 
Non-current assets:
Long-term investments12 23 
Loans receivable, net of allowances102 27 
Total non-current assets114 50 
Total assets$2,017 $1,708 
Liabilities
Current liabilities:
Accounts payable and accrued expenses$1 $— 
Loans payable and other financial liabilities610 693 
Other liabilities1 1 
Total current liabilities612 694 
Non-current liabilities:
Loans payable and other financial liabilities1,232 782 
Total non-current liabilities1,232 782 
Total liabilities$1,844 $1,476