You live between worlds.
Now your money can too.
The global account made for Brazilians.
Why Ruvo?
Market-Leading FX Rates
Convert between BRL and USD - instantly, both ways - with real-time, market-based rates and no hidden spreads or surprises.
IOF Free
Transactions on Ruvo is IOF-exempt, whether you’re converting, spending, or sending abroad. Keep more of your money, wherever it moves.
Instant Global Access (Pix + Crypto + Visa)
Receive USD, add BRL via Pix, and move freely between USD and BRL - spend in dollars, send USD internationally, or convert to BRL to pay with Pix - all from one connected wallet.
Fully Connected to Crypto
Your Ruvo wallet is non-custodial, giving you direct access to the crypto world. Send and receive USDT freely between exchanges, wallets, and platforms - your money moves instantly, without limits or intermediaries.
How Your Money Moves with Ruvo
Every step, seamless — receive, add, convert, and spend across borders in seconds.
Receive USD from the U.S.
Get paid in USD directly through your virtual U.S. account — via ACH, Wire, or RTP. Funds land instantly in your Ruvo wallet.
Spend or Send in USD
Use your USD Visa card for dollar purchases with no IOF or FX fees, or send USD internationally - your money moves globally without friction.
Convert BRL, USDT, and USD Anytime
Convert BRL ←→ USDT ←→ USD in real time and send BRL instantly to any Pix key - fast, compliant, and IOF-free.
Add BRL via Pix
Top up BRL via Pix, instantly converted to USDT - no IOF, no delays, complete control from one wallet.
What customers love about Ruvo
Hear how Ruvo transforms financial journeys
No more complicated international money transfers.
Mariana Costa
Remote marketing consultant
Ruvo transformed my international financial workflow completely.
Eduardo Mendes
Global software engineer
No more complicated international money transfers.
Mariana Costa
Remote marketing consultant
Secure by design. Built for Brazil.
Ruvo runs on regulated rails in Brazil and the U.S., so you can move your money globally - safely, fast, and without worry.
Fast. Borderless.
Powerful tools for people who live, earn, and spend across borders.
Seamless crypto and stablecoin transfers.
Send and receive USDT or other assets directly between wallets and exchanges - instantly, securely, and without limits.
Spend USDT worldwide, fee-free in USD
Use your USD Visa card to pay anywhere with no IOF or FX fees on USD purchases - your digital dollars, accepted globally.
Ready to Ruvo?
Wherever life takes you, one wallet's enough.
