Your global accountcardmoneyinvestmentswallet
without borders.
Made for those who move between Brazil and the world. Receive payments, convert with 0% IOF, and grow your money — all in one place.
Backed by leading global investors
Made for people who move between Brazil and the world
Whether you're an individual or a business, Ruvo is built for people who live, work, or do business internationally.
Individuals
Receive in dollars, convert between BRL, USD, and digital dollars, and move your money in one place.
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Professionals paid in dollars
Freelancers and remote workers who get paid in dollars by companies abroad.
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Businesses
Receive global payments, reconcile instantly, and manage your company's money in USD — without IOF.
Learn moreEverything you need to move between countries
No IOF, real market rates, and money that actually moves in minutes. Here's what that means.
While Brazilian cards charge up to 4.38% IOF and banks add an average 1.1% FX spread, Ruvo offers 0% IOF and the real commercial exchange rate.
Send via Pix or between Ruvo accounts and get your money in minutes — no waiting days like traditional international transfers over SWIFT (Ruvo doesn't run over SWIFT yet).
Get a US account in your own name and receive international payments with no receiving costs. Hold, convert, and use your funds all in one app.
Use your Ruvo card anywhere in the world, with no IOF and no hidden fees. Add it to Apple Pay and Google Pay and spend directly from your dollar balance.
Article
Ruvo, the fintech from ex-Uber that facilitates a 'Pix' between Brazil and USA
“(...) The startup, which gained support from the American accelerator Y Combinator, has just raised $4.6 million in a round led by 1confirmation, which has invested in Polymarket and Coinbase. Among other participants are Coinbase Ventures (...)”
Continue readingReal stories from those who chose Ruvo
A new way to manage money, from people who already use it
Fast, simple and direct
I can receive my payments from the US easily with very little bureaucracy. Once the money arrives, I can transfer it instantly to my bank account via Pix. Super simple.
They're always listening to user feedback and releasing new features frequently, which shows they really care about improving the product.
Overall, I'm loving the app! I highly recommend it for anyone who wants to simplify receiving international payments.
guscsales
Let me focus on what really matters
When you're building a company, you want to focus on your customers, on building your product.
What you don't want to focus on is the bureaucracy — making transactions, thinking about the fees you have to pay, and so on.
Ruvo took that headache off my plate so I can focus on what matters: my business. And that's essential to me.
João Alvarenga
Where your money is truly safe
Protection paired with the freedom to move your money between BRL, USD, and digital dollars.
No one accesses your money for you. Not even Ruvo
Non-custodial wallet: only you hold the keys — not even Ruvo can access your money.
Learn moreRates starting at 0.3%
Real commercial exchange rates, no hidden costs.
Learn moreReal money. Always a real person from Ruvo on the other end
Human support in every interaction, start to finish.
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Exchange rate and total cost
Ruvo uses the same transparent market exchange rate for Personal and Business accounts.
Deposit and receive BRL, send money abroad, or move funds to any wallet — all from your digital dollar balance.
No markups
No IOFSee what you pay — and why
Keeping your money as digital dollars in your Ruvo balance costs 0.5%, and from there you can already spend on the card, send via Pix, or convert to reais whenever you want!
You send
BRLThe recipient gets
USDT
Exchange rate used for this conversion is -
Total fees and taxes
Fee: -
Arrival: —
Commissions: 0%
Costs: PIX 0%
Arrives
-
Frequently asked questions
We're always here to help, with simple, fast, and reliable answers.
You can sign up through our website or app with your tax ID and a government-issued ID.
You can use USD, BRL, and digital dollars in a single Ruvo account, with instant conversion between them.
Stablecoin transfers are usually completed within minutes. ACH and wire transfers depend on the sending or receiving bank.
Yes. You can use Ruvo to send and receive payments on a recurring basis, with transparent fees on each transaction.
Ruvo operates with regulated banking and payment partners, offers non-custodial wallets, and applies end-to-end encryption on sensitive data.
We apply end-to-end encryption, multi-factor authentication, role-based access control, and secure cloud storage, in compliance with LGPD.
We use market-audited protocols, licensed partners (such as Persona and Rain), and secure blockchain infrastructure for all operations.
Yes. We conduct periodic audits with independent partners and maintain continuous incident response plans.