Localized Innovation with Strategic Infrastructure Control: StoneCo is capitalizing on Brazil's accelerating digital payments adoption by combining deep local expertise with relentless product innovation. From launching features like Pix Troco (QR-code cash withdrawal) to expanding its own acquiring infrastructure, the company is enhancing customer experience while gaining operational control. Its full-stack platform and regional focus position it to ride long-term structural tailwinds in financial inclusion and SME digitization.