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      "text": "Note: 1\"Pay-in\" means a payment transaction whereby dLocal's merchant customers receive payment from their customers. \"Pay-out\" means a payment transaction whereby dLocal disburses money in local currency to the business partners or customers of dLocal's merchant customers. 2\"Cross-border\" means a payment transaction whereby dLocal is collecting in one currency and settling into a different currency and/or in a different geography. \"Local-to-local\" means a payment transaction whereby dLocal is collecting and settling in the same currency.",
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