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SECURITIZATION TRANSACTIONS (Tables)
 6 Months Ended
Jun. 30, 2025
Securitization Transactions [Abstract]  
Collateralized Debt
The following table summarizes the Company’s collateralized debt under securitization transactions, as of June 30, 2025:
SPEsCollateralized debt
(In millions)		Interest rateCurrencyMaturity
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados$105
CDI + 2.25%
Brazilian ReaisMarch 2027
Mercado Crédito I Brasil Fundo de Investimento Em Direitos Creditórios Não Padronizados18
CDI + 5.25%
Brazilian ReaisJune 2029
Mercado Crédito Fundo de Investimento Em Direitos Creditórios Não Padronizado25
CDI + 3.00%
Brazilian ReaisApril 2028
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados193
CDI + 1.75%
Brazilian ReaisOctober 2031
Mercado Crédito II Brasil Fundo De Investimento Em Direitos Creditórios Nao Padronizados73
CDI + 5.25%
Brazilian ReaisJuly 2028
Seller Fundo De Investimento Em Direitos Creditórios188
CDI + 1.60%
Brazilian ReaisMarch 2026
Seller Fundo De Investimento Em Direitos Creditórios93
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 Creditórios19
CDI + 1.60%
Brazilian ReaisNovember 2026
Seller Fundo De Investimento Em Direitos Creditórios277
CDI + 0.85%
Brazilian ReaisMay 2028
Seller II Fundo De Investimento Em Direitos Creditórios Segmento Meios De Pagamento De Resp Ltda184
CDI + 0.85%
Brazilian ReaisJuly 2027
Mercado Crédito XXIII2
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosMay - July 2025 (1)
Mercado Crédito XXV8
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosJuly - August 2025 (1)
Mercado Crédito XXVI14
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust - October 2025 (1)
Mercado Crédito XXVII13
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosAugust - October 2025 (1)
Mercado Crédito XXVIII18
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosSeptember - November 2025 (1)
Mercado Crédito XXIX19
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosSeptember - November 2025 (1)
Mercado Crédito XXX35
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 XXXI39
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosOctober - December 2025 (1)
Mercado Crédito XXXII42
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosNovember 2025 - January 2026 (1)
Mercado Crédito XXXIII45
Badlar rates plus 200 basis points with a min 15% and a max 60%
Argentine PesosNovember 2025 - February 2026 (1)
Mercado Crédito XXXIV52
Badlar rates plus 200 basis points with a min 10% and a max 50%
Argentine PesosJanuary - March 2026 (1)
Mercado Crédito XXXV66
Badlar rates plus 200 basis points with a min 10% and a max 40%
Argentine PesosFebruary - March 2026 (1)
Mercado Crédito XXXVI66
TAMAR rates plus 100 basis points with a min 15% and a max 50%
Argentine PesosMarch - July 2026 (1)
Mercado Crédito XXXVII72
TAMAR rates plus 100 basis points with a min 15% and a max 50%
Argentine PesosApril - August 2026 (1)
Mercado Crédito XXXVIII69
TAMAR rates plus 100 basis points with a min 15% and a max 50%
Argentine PesosMay - August 2026 (1)
Mercado Crédito XXXIX (2)59
TAMAR rates plus 100 basis points with a min 25% and a max 50%
Argentine PesosJuly - October 2026 (1)
Fideicomiso Irrevocable de Administración y Fuente de Pago 3756274
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.20%
Mexican PesosNovember 2029
Fideicomiso Irrevocable de Administración y Fuente de Pago 618932
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 7.0%
Mexican PesosApril 2027
Fideicomiso Irrevocable de Administración y Fuente de Pago 6189241
The equilibrium interbank interest rate published by Banco de Mexico in the Diario Oficial plus 2.80%
Mexican PesosApril 2027
Fideicomiso Irrevocable de Administración y Fuente de Pago Número 4372 177
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 Inversión10
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 Inversión8
TAB 30 + 4.25%
Chilean PesosNovember 2027
$2,575
(1) Minimum and maximum maturity depending on the applicable interest rate within the range.
(2) As of June 30, 2025, Loans payables owned by this trust were obtained through private placements. Mercado Crédito XXXIX trust made the public debt issuance in the Argentine stock market on July 28, 2025.
Assets and Liabilities of the Trust
The assets and liabilities of the SPEs through which the Company securitizes financial assets as of June 30, 2025 and December 31, 2024 are as follows:
June 30,
2025		December 31,
2024
Assets(In millions)
Current assets:
Restricted cash and cash equivalents$371 $492 
Loans receivable, net of allowances2,021 1,410 
Intercompany receivables1,263 743 
Other assets— 1 
Total current assets3,655 2,646 
Non-current assets:
Long-term investments12 12 
Loans receivable, net of allowances166 102 
Total non-current assets178 114 
Total assets$3,833 $2,760 
Liabilities
Current liabilities:
Accounts payable and accrued expenses$1 $1 
Loans payable and other financial liabilities707 610 
Intercompany liabilities72 24 
Other liabilities— 1 
Total current liabilities780 636 
Non-current liabilities:
Loans payable and other financial liabilities1,868 1,232 
Total non-current liabilities1,868 1,232 
Total liabilities$2,648 $1,868