About 6 million Argentines have more than 90 days of arrears, nearly a third of all people with credit. ^[1] Albert Quintero, a 41-year-old delivery worker in Buenos Aires, said he earns about 70,000 Argentine pesos per day delivering food and that recovering a motorcycle impounded by traffic agents costs at least 140,000 pesos, which many workers cannot afford without taking on debt. ^[2] In Argentina, the delivery app PedidosYa offers loans with a nominal annual rate of 131%, while the Personal Pay digital wallet charges around 170%. ^[3] The Cámara Argentina Fintech (Argentine Fintech Chamber) said digital loans multiplied twentyfold in recent years, from 500,000 to 10 million credits. ^[4] Delivery workers in Argentina are increasingly relying on fintech loans, including those offered by the platforms they work for, to cover expenses, despite interest rates often reaching triple digits. ^[5] Estimates collected by the Fintech Chamber indicate that around 6 million people have payment delays exceeding 90 days, representing nearly one-third of all individuals with credits. ^[6] Mariano Biocca, executive director of the Argentine Fintech Chamber, stated that fintech loans in the country have multiplied by twenty, reaching 10 million individual loans compared to 500,000 credits six or seven years ago. ^[7] The delivery platform PedidosYa offers loans to users with a nominal annual interest rate of 131%, while the digital wallet Personal Pay charges around 170%. Albert Quintero stated that many workers do not have the money and therefore take these loans. ^[8]