GU10 downlights operate on mains voltage and don't require an additional LED driver. The LED is replaceable in the event of a failure or it can be replaced with a different colour temperature or beam angle.
The rival to GU10 downlights are integrated LED downlights which are a complete style of downlight which contains the LED, driver and downlight holder as one unit.
GU10 downlights are available in fire rated or non fire rated. Athough non fire rated downlights are cheaper to buy, fire rated downlights are recommended for use in almost all domestic applications. This recommendation comes from the Electrical Safety Council (ESC). Further details can be found here.