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Dlocal Limited

Malta
3.8(127 ratings)ActiveEMI
View on register

Regulator

Malta Financial Services Authority

Licence number

C77538

Authorised since

14 Nov 2016

EEA passports

29

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach
Pan-EuropeanTier A

Passports into 29 EEA jurisdictions.

Scope
Multi-serviceTier B

Authorised for 6 payment-services activities.

Tenure
MatureTier B

Authorised 9 years ago.

About this institution

Verified active. DLOCAL LIMITED holds a Malta e-money licence (C77538) granted by the Malta Financial Services Authority. The licence authorises issuance of electronic money, permitting the creation of digital currency credits for customers. Money remittance activities are covered, allowing customers to transfer funds across borders within the EEA. Execution of payment transactions where funds are covered by credit line is permitted under the licence. Execution of payment transactions on a payment account is also authorised, supporting direct debit and credit operations. Issuing payment instruments and acquiring payment transactions are included, enabling card issuance and merchant services. Safeguarding of customer funds is explicitly protected, ensuring depositor protection within the regulatory framework.

Passporting reach extends to 29 EEA host states under the Malta licence. The licence is valid in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. All 29 host states are listed individually, confirming full passporting coverage for the EMI licence. With this extensive passporting footprint, the EMI can operate across all listed states without separate authorisation.

Licence granted on 14 November 2016, as recorded in the register. Operational status is active, reflecting the most recent cross-check against the Malta Financial Services Authority register. The register lists the Malta Financial Services Authority, reference C77538, status active as of the last cross-check.

Licence timeline

3 dated events

Dated events for Dlocal Limited, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

  1. Cross-checked against the Malta Financial Services Authority register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. Licence granted by the Malta Financial Services Authority

Position in the Malta register

Malta EMIs

43

Active

43

Full / small licences

43 / 0

Licence age rank

14/43

Dlocal Limited is one of 43 e-money institutions on the Malta register, 43 of which are currently active. Its licence is the 14th oldest of the 43 dated Malta EMI authorisations, one of 3 granted in 2016.

Is your money safe with Dlocal Limited?

Dlocal Limited holds an e-money authorisation from Malta Financial Services Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

EEA passporting

29 jurisdictions

Under the EU passporting regime, Dlocal Limited can provide services across the following EEA jurisdictions, in addition to its home authorisation in Malta.

  • EstoniaEstonia9
  • HungaryHungary9
  • SloveniaSlovenia9
  • CyprusCyprus9
  • NetherlandsNetherlands9
  • LatviaLatvia9
  • IcelandIceland9
  • BulgariaBulgaria9
  • DenmarkDenmark9
  • LuxembourgLuxembourg9
  • PortugalPortugal9
  • SwedenSweden9
  • BelgiumBelgium9
  • RomaniaRomania9
  • Czech RepublicCzech Republic9
  • GermanyGermany9
  • ItalyItaly9
  • LithuaniaLithuania9
  • LiechtensteinLiechtenstein9
  • FinlandFinland9
  • CroatiaCroatia9
  • FranceFrance9
  • AustriaAustria9
  • SpainSpain9
  • PolandPoland9
  • NorwayNorway9
  • SlovakiaSlovakia9
  • IrelandIreland9
  • GreeceGreece9

Authorised activities (PSD2 / EMD2)

Payment-services activities Dlocal Limited is permitted to carry out under its licence, as recorded in the register.

  • Money remittancePSD2_6
  • Issuing payment instruments and acquiring payment transactionsPSD2_5
  • Safeguarding of customer fundsSAFEGUARDING
  • Execution of payment transactions on a payment accountPSD2_3
  • Execution of payment transactions where funds are covered by credit linePSD2_4
  • Issuance of electronic moneyEMI_ISSUANCE

Frequently asked questions

Is DLOCAL LIMITED a licensed e-money institution?
Yes. DLOCAL LIMITED holds EMI authorisation from Malta Financial Services Authority in Malta, licence reference C77538. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
Who regulates DLOCAL LIMITED?
DLOCAL LIMITED is authorised and supervised by Malta Financial Services Authority in Malta. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
What is DLOCAL LIMITED's licence or FRN number?
DLOCAL LIMITED's licence reference number is C77538. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.
Is DLOCAL LIMITED authorised in other EEA countries?
Yes. DLOCAL LIMITED is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Malta

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Registered office

Street
Cornerstone Business Centre - Level 3, 16th September Square
City
Mosta, MST 1180

Ratings & reader notes

127 ratings · 0 written notes

3.8(127 ratings)
  • 5★55
  • 4★34
  • 3★14
  • 2★11
  • 1★13

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