Mercado Pago is an incredible payments platform that is becoming increasingly relevant all the time, particularly in economies where Mercado Libre does most of its business. It appears to be at least for some residents in those countries feel like I'm keeping my money here because this is the thing that sticks around and is stable and is ever present in my life. So what should you worry about? If you're so dependent upon this and Mercado Libre is all in on this, then they do create exposure for themselves. How much are they dependent upon credit card receivables, loan receivables? How well are those loans paying back to Mercado Libre?