PicS N.V.

Good evening everyone and welcome to PPPay's second quarter 2026 earnings conference call. Joining the call today are Eduardo Chedid, Chief Executive Officer, Andre Cazotto, Chief Financial and Investor Relations Officer, and Danilo Cafaro, Vice President of Consumer Banking. Please note that this presentation may contain forward-looking statements and non-GAAP financial measures. Please refer to the disclaimer on the screen and to the earnings materials available on the Investor Relations section of PicPay's website for additional information. This call is being recorded and a replay will be available on the company's website shortly after the conclusion of the call. At this time, I would like to turn the call over to Eduardo Chedid, Chief Executive Officer of PicPay.

Thank you, operator, and welcome everyone. This is our third earnings call as a public company, and I'm proud to share another quarter of strong execution across our platform. Before we get into the results, I want to say a few words about our CFO transition. As we announced in early August, Andre Cazotto has succeeded Rodrigo Couto as our Chief Financial Officer. This transition is the result of a planned succession process, and I'm confident in the strength and continuity of our leadership team. Rodrigo plays a key role in a critical phase of PicPay's evolution, strengthening our finance organization, leading our Sarbanes-Oxley preparation and being instrumental in our successful IPO in January. He has been a tremendous partner and I'm glad he will continue working with us as Special Advisor through year-end. Cazotto brings over 20 years of experience in payments and financial services and has been with PicPay since 2021, leading the capital markets work stream for our NASDAQ listing, investor relations, and M&A. He has deep institutional knowledge and strong relationships with our financial stakeholders. Cazotto, I'm confident you are the right person for this role. Welcome and best of luck as we enter this new chapter together.

Thank you, Eduardo. It's a privilege to step into this role at such an exciting moment for the company. I have spent the past few weeks working closely with Rodrigo and our teams to ensure a seamless transition. What stands out to me is the strength of our financial foundation and the discipline with which this business operates. I'm excited to lead the next phase of PicPay's financial journey.