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Nubank has scaled to 127M customers with a sub-$1 cost-to-serve, driving industry-leading profitability and a 31% ROE. Its model blends rapid monetization, strong operating leverage, and expanding verticals, from AI-driven lending to crypto, insurance, telco, and premium offerings like Ultravioleta. With 6.6M crypto users and new stablecoin payment pilots, Nu is becoming a major digital-asset gateway in LATAM. Despite rising NPLs and rate volatility, its efficiency and growth momentum support upside potential.