dLocal chose AI risk platform Oscilar on Sept. 14 to support compliance as its cross-border payments grow. Q2 2026 payment volume rose 92% year over year to $17.7 billion, but gross-profit take rate fell to 0.72% from 1.07%.
Gross profit rose 29% to $127.2 million in Q2, lagging TPV growth as the take rate fell amid a higher share of local-to-local transactions and volume discounts for enterprise merchants, which management cited as causes. Operating profit increased 15%. For 2026, dLocal forecast 60%–70% TPV growth and kept operating-profit growth guidance at 27.5%–32.5%; CEO Pedro Arnt said tougher comparisons in H2 2026 and 2027 would make current growth rates difficult to repeat.
Oscilar is intended to let dLocal customize compliance workflows market by market across more than 60 regulatory regimes. The company plans to pair AI agents with human analysts to streamline initial alert investigations, which can take up to 60 minutes, and handle rising payment volumes without compliance headcount growing at the same pace.
