01
Deposit via Pix
Transfer reais from your bank account via Pix to your Ruvo account.
Reais to dollars
Get dollars, skip the IOF.
Buy dollars whenever you want, hold them earning, and spend with no IOF. All in the app, in minutes.
Turn reais into digital dollars (USDC) via Pix in under a minute. 0% IOF, a clear 0.5% fee and the real commercial rate.
- 0% IOF
- 0.5% to convert
- Real commercial rate
Backed by leading global investors
Comparison table
Ruvo has no IOF
An international bank transfer costs 4% to 8% in fees and spread, plus 3.5% IOF, and can take up to 5 days. Wise charges from 0.4% plus IOF. Nomad, 1% to 2% plus IOF. Ruvo does it all in digital dollars, which aren't subject to IOF, and charges one clear fee.
| Name | IOF | Fee | Time |
|---|---|---|---|
| Itaú | 3.5% | 4% to 8% | Days |
| Wise | 3.5% | from 0.4% | Days |
| Nomad | 3.5% | 1% to 2% | Days |
| Ruvo | No | 0.5% (ACH) | Minutes |
How it works:
02
Convert to dollars
Your reais become digital dollars with a clear 0.5% fee. No IOF.
03
Send globally
Send to any account in the world quickly via ACH, Wire, RTP or SWIFT.
04
Receive from abroad
A US account in your name. Receiving is free.
Pricing
What it really costs
Ruvo uses the same real commercial rate for Individual and Business accounts.
Receive in reais, send to any bank in the world, or spend on your card, all from your digital dollar balance.
No markupsNo hidden spreadsNo IOF
See 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!
How it works
From reais to dollars in three steps
Everything happens in the app, in minutes, with the fee shown before you confirm.
9:41
Add via Pix
This is an estimate. Your final quote and exchange rate will be confirmed on the next screen.
BRL1.000,00
You'll receive (USDC)
≈ 196.41 USDC
Real-time rate1 USDC = 5.0660 BRL
Your rate (after fees)Includes 0.5% fee1 USDC = 5.0915 BRL
IOF0%
Estimated arrival< 1 minute
Continue with Pix
Why people dollarize
Dollars for what you actually do
Keep part of your savings in dollars
Hold a dollar balance next to your reais and convert back whenever you want, via Pix in minutes.
Learn more
Travel without IOF
Buy dollars before the trip and spend them on the card abroad, with no IOF and no surprises on the bill.
Learn more
Pay for life in the US
Tuition, rent and bills in dollars: send to US accounts by ACH from the same balance.
Learn moreLearn more about IOF and Ruvo
Common questions about fees, security, and how Ruvo works day to day.
How does 0% IOF work?
Your purchases and transfers on Ruvo run on digital dollars, which aren't subject to IOF. You only pay the transaction fee, shown on screen before you confirm. As with any tax rule, this is subject to current regulation. Learn more about 0% IOF.
See more questionsIs Ruvo safe and compliant?
Yes. Ruvo is backed by Y Combinator and works with regulated partners in the US and Brazil. Your wallet is self-custodial: only you control the keys and move your assets — not even Ruvo has access.
See more questionsCan I use the card abroad?
Yes. The Ruvo card works worldwide, with Apple Pay and Google Pay. No fee on dollar purchases, 0% IOF.
See more questionsWhy Ruvo
International transfers with no IOF
Banks charge 4% to 8% in fees and spread, plus IOF. Ruvo: fees from 0.3%, 0% IOF and money in your account in minutes.
Wise charges from 0.4% + IOF. Ruvo: 0% IOF
At Wise, sending money abroad carries 3.5% IOF. At Ruvo, transfers run on digital dollars: 0% IOF and fees from 0.3%.
PayPal charges over 6%. Ruvo: from 0.3%
On PayPal you pay seller fees on international sales, and another 3.5% on conversion. Ruvo is a full dollar account: receive, card, Pix and 0% IOF.
Nomad charges 1% to 2% + IOF. Ruvo: from 0.3% and no IOF
At Nomad, the fee depends on your program level and IOF is 3.5%. At Ruvo, one clear fee and 0% IOF.
BTG charges IOF. Ruvo: 0% IOF, in digital dollars
BTG runs on SWIFT, with 3.5% IOF plus spread. Ruvo removes IOF by using digital dollars.
Inter charges IOF. Ruvo: no IOF and no hidden markup
Inter charges IOF and adds a markup on international operations. At Ruvo: real commercial rate, fees from 0.3% and 0% IOF.
International transfers with no IOF
Banks charge 4% to 8% in fees and spread, plus IOF. Ruvo: fees from 0.3%, 0% IOF and money in your account in minutes.
Ready to Ruvo?
Start using Ruvo today and take control of your money.
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