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SECURITIZATION TRANSACTIONS (Tables)
 3 Months Ended
Mar. 31, 2025
Securitization Transactions [Abstract]  
Collateralized Debt
The following table summarizes the Company’s collateralized debt under securitization transactions, as of March 31, 2025:
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados$140
CDI + 2.50%
Brazilian ReaisMarch 2027
Mercado Crédito Fundo de Investimento Em Direitos Creditórios Não Padronizado17
CDI + 3.50%
Brazilian ReaisAugust 2025
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados209
CDI + 2.35%
Brazilian ReaisJanuary 2030
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados70
CDI + 5.25%
Brazilian ReaisJuly 2028
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 Creditórios37
CDI + 1.40%
Brazilian ReaisSeptember 2026
Seller Fundo De Investimento Em Direitos Creditórios18
CDI + 1.60%
Brazilian ReaisNovember 2026
Seller II Fundo De Investimento Em Direitos Creditórios Segmento Meios De Pagamento De Resp Ltda175
CDI + 0.85%
Brazilian ReaisJuly 2027
Mercado Crédito Consumo XXXIV7
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosApril - July 2025 (1)
Mercado Crédito Consumo XXXV15
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJune - August 2025 (1)
Mercado Crédito XXII1
Badlar rates plus 200 basis points with a min 15% and a max 70%
Argentine PesosApril 2025
Mercado Crédito XXIII8
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosMay - June 2025 (1)
Mercado Crédito XXIV10
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJune - August 2025 (1)
Mercado Crédito XXV29
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJuly - August 2025 (1)
Mercado Crédito XXVI33
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust - October 2025 (1)
Mercado Crédito XXVII31
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust - 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 XXIX31
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)
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito XXXII46
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosNovember 2025 - January 2026 (1)
Mercado Crédito XXXIII51
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosNovember 2025 - February 2026 (1)
Mercado Crédito XXXIV57
Badlar rates plus 200 basis points with a min 10% and a max 50%
Argentine PesosJanuary - March 2026 (1)
Mercado Crédito XXXV (2)61
Badlar rates plus 200 basis points with a min 10% and a max 40%
Argentine PesosFebruary - March 2026 (1)
Mercado Crédito XXXVI (2)60
TAMAR rates plus 100 basis points with a min 15% and a max 50%
Argentine PesosMarch - July 2026 (1)
Fideicomiso de administración y fuente de pago CIB/3756205
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/336930
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/3369222
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.80%
Mexican PesosJuly 2027
Fideicomiso Irrevocable de Administración y Fuente de Pago número CIB/4372 131
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.50%
Mexican PesosAugust 2027
 Frontal Trust Mercado Pago Créditos Fondo de Inversión8
TAB 30 + 2.10%
Chilean PesosNovember 2027
 Frontal Trust Mercado Pago Créditos Fondo de Inversión2
TAB 30 + 3.90%
Chilean PesosNovember 2027
 Frontal Trust Mercado Pago Créditos Fondo de Inversión7
TAB 30 + 4.25%
Chilean PesosNovember 2027
$2,096
(1) Minimum and maximum maturity depending on the applicable interest rate within the range.
(2) As of March 31, 2025, Loans payables owned by this trust were obtained through private placements. Mercado Crédito XXXV trust made the public debt issuance in the Argentine stock market on April 8, 2025. Mercado Crédito XXXVI trust made the public debt issuance in the Argentine stock market on May 8, 2025.
Assets and Liabilities of the Trust
The assets and liabilities of the SPEs through which the Company securitizes financial assets as of March 31, 2025 and December 31, 2024 are as follows:
March 31,
2025		December 31,
2024
Assets(In millions)
Current assets:
Restricted cash and cash equivalents$410 $492 
Loans receivable, net of allowances1,695 1,410 
Intercompany receivables933 743 
Other assets— 1 
Total current assets3,038 2,646 
Non-current assets:
Long-term investments11 12 
Loans receivable, net of allowances132 102 
Total non-current assets143 114 
Total assets$3,181 $2,760 
Liabilities
Current liabilities:
Accounts payable and accrued expenses$1 $1 
Loans payable and other financial liabilities864 610 
Intercompany liabilities66 24 
Other liabilities1 1 
Total current liabilities932 636 
Non-current liabilities:
Loans payable and other financial liabilities1,232 1,232 
Total non-current liabilities1,232 1,232 
Total liabilities$2,164 $1,868