Powering Emerging Markets Payments

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[00:02:13] - [First question] - His take on global payments, what is interesting about this system today, and dLocal’s role within it

[00:04:06] - Approaching a country that could benefit from low-friction payments and the playbook for helping them improve their system

[00:06:10] - Differences between being an API business versus a protocol one

[00:07:13] - What companies handle these systems outside of emerging markets and why they haven’t entered the emerging market space

[00:08:59] - A specific example of the steps involved in getting a country integrated into global payments for an app or service provider

[00:11:22] - Whether or not they interact with consumers

[00:12:09] - The trading and foreign exchange component of global transactions

[00:13:16] - Country specific product teams and consolidating their process

[00:14:52] - What he would look for in early-stage payment companies to invest in

[00:16:23] - Defining excellent when it comes to working with regulators and regulatory environments

[00:17:53] - Their role in digital globalization and trends that might arise in the future

[00:19:52] - Ways that low-friction payments have helped accelerate regional innovation

[00:21:31] - The unit economics and costs of a single payment 

[00:24:05] - What the source of cost is to process a payment or transaction

[00:25:10] - Variables in currencies that make them desirable to work with

[00:26:38] - Lessons learned from distribution and customer acquisition of their service

[00:29:23] - Advice he would give to developers building API products

[00:31:16] - An example of wanting to build a function into an API that was never built

[00:32:40] - How they’ve been able to move and scale so fast

[00:34:23] - Ways their business could most improve

[00:35:14] - The operating system he uses to run the company

[00:36:38] - Ways he’s most improved or gotten better as a CEO over the years

[00:37:58] - Why deep humility is such an integral part of his character 

[00:38:30] - The biggest mistake they’ve ever made as a business and what they learned 

[00:39:20] - The kindest thing anyone has ever done for him