Optimizing AML and Compliance for the Next Era of Cross-Border Payments: Why dLocal Chose Oscilar

dLocal (NASDAQ: DLO) is the leading cross-border payment platform connecting global merchants to emerging markets, operating across 60+ markets in Africa & the Middle East, Asia, and Latin America. Through the "One dLocal" concept of one direct API, one platform, and one contract, global companies can accept payments, send payouts, and settle funds without the need to manage multiple local entities and integrations. Merchants get one integration. dLocal carries the requirements of each market behind it.

Building on an established, technology-driven compliance program, dLocal has selected Oscilar, the agentic risk platform for financial institutions, and extended its AML transaction monitoring, sanctions screening, and case management with Oscilar's agentic, AI-native platform engineered for the operational realities of cross-border payments. The platform gives dLocal's compliance team even greater flexibility to tailor rules, thresholds, and queues to jurisdiction-specific requirements, alternative payment methods, and cross-border payment flows, and to deploy those changes at the speed the business requires.

A payments map traditional bank-oriented monitoring wasn't built for

dLocal's compliance environment is among the most operationally sophisticated in payments. The company runs cross-border payments and 1,000+ alternative payment methods across 60+ markets, each with its own AML thresholds, sanctions obligations, and data governance rules. Some markets restrict which analysts can access which data. Others see payment method volumes reshape monitoring assumptions on a rolling basis. New payment licenses come online on a regular cadence. A compliance team working here never configures the program once. It reconfigures it continuously.

Traditional monitoring platforms are generally built around banking transaction models. dLocal has to monitor a different structure: 1,000+ alternative payment methods, multi-party transaction models, and jurisdiction-specific requirements across more than 60 markets.

"Running compliance across our markets requires constant adaptation to different jurisdictions, data governance requirements, and regulatory expectations, all of which evolve incessantly, even more so on the Global South," said Christiana Ellina, VP of Compliance at dLocal. "Traditional bank-oriented monitoring systems were never designed for this environment. Oscilar gives our team the flexibility to operate market by market, the auditability our regulators expect, and the operational leverage to scale investigations without scaling complexity at the same rate. It is the right foundation for modern cross-border payments compliance."

Why dLocal chose Oscilar

Operating at that scale demands compliance infrastructure designed for it. Oscilar provides full transparency on the parties involved across every link of the payment flow chain, supports monitoring across multi-party transaction models, and gives compliance teams direct ownership of the workflows that govern decisions across markets. It is built for country-specific operating models.

Where AI agents earn their place in compliance

Oscilar's agentic architecture was a decisive factor in dLocal's selection. The ability to deploy AI agents alongside human analysts on the most operationally intensive parts of compliance work, with human reviewers retaining final authority, gives dLocal a clear path to evolving its risk operations as volumes and complexity continue to grow.

For a function where Level 1 alerts can take up to 60 minutes each to investigate, this changes the unit economics of compliance. Analysts move from data assembly to judgment, leads gain clearer visibility into work across queues, and dLocal gains the operational headroom to absorb growing volumes without linear growth in headcount.

"dLocal is doing some of the most important infrastructure work in global commerce, helping connect consumers in emerging markets to the global digital economy at enormous scale. They recognized the growing gap between increasingly coordinated financial threats and fragmented compliance systems, and chose to address it at the architectural level instead of layering on another rules engine," said Neha Narkhede, Co-Founder and CEO of Oscilar. "They needed a platform where compliance teams can adapt workflows directly, investigators are supported by AI on the most operationally intensive work, and every decision remains transparent and explainable. We are incredibly proud to support the next phase of dLocal's growth."

Compliance that grows with the business

dLocal's compliance function has long been core infrastructure for trust across its network, and Oscilar extends that foundation. Global merchants benefit from transaction monitoring that adapts to their specific customer profiles, jurisdictions, and payment methods, while regulators gain a partner with explainability, audit trails, and governance controls built into the platform from day one. As dLocal expands into new markets and payment methods, its compliance team can adapt workflows and controls without increasing operational complexity at the same pace.

About dLocal

dLocal builds financial infrastructure for markets of the future, connecting global enterprises with billions of emerging market consumers in more than 60 countries across high‑growth markets in Africa, Asia, the Middle East, and Latin America. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally without the need to manage multiple local entities and integrations. For more information, visit www.dlocal.com.

About Oscilar

Oscilar is the agentic risk platform for financial institutions. Its no-code platform gives risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting and device and behavioral biometrics without engineering dependency. Agent Hub extends the platform with 30+ coordinated AI agents that share a unified customer risk profile, enabling faster decisioning, natural language strategy building and cross-domain risk intelligence. More than 100 financial institutions use Oscilar, processing tens of billions of risk decisions per year. Oscilar is headquartered in Palo Alto, California.

Forward looking statements

This release contains certain forward-looking statements. These forward-looking statements convey dLocal's current expectations or forecasts of future events. Forward-looking statements regarding dLocal involve known and unknown risks, uncertainties and other factors that may cause dLocal's actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements. Certain of these risks and uncertainties are described in the "Risk Factors," and "Cautionary Note Regarding Forward-Looking Statements" sections of dLocal's filings with the U.S. Securities and Exchange Commission. Unless required by law, dLocal undertakes no obligation to publicly update or revise any forward-looking statements to reflect circumstances or events after the date hereof.