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Built for your CNPJ

Your company's whole financial life in one account — receive from abroad, convert instantly, and move reais, dollars, and digital dollars
Or open your account in the browser
Team of three smiling around laptops in a meetingTeam of three smiling around laptops in a meetingUSDT sent notificationBRL received notification
Receive USD from abroad
Convert BRL → digital dollars
Free USD deposits
Spend with your Ruvo card
Earn yield daily
Free digital dollar transfers
Digital wallet

Exchange rate and total cost

Ruvo uses the same transparent market exchange rate for business accounts — no surprises.

Pay vendors, receive from clients, and move funds globally — all from your business digital dollar balance.

No markups
No 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!

You send

BRL

The recipient gets

USDT

Exchange rate used for this conversion is -

Total fees and taxes

Fee: -

Arrival: —

Commissions: 0%

Costs: PIX 0%

Arrives

-

The all-in-one USD wallet for your business

Stacked coins

Receive Global Payments

Accept USD via ACH or wire, take digital dollars straight from clients, or convert your BRL to digital dollars instantly

Ruvo card

Business Visa Card

Spend globally in USD directly from your balance — with no FX markup or IOF

Account total balance illustration

Reporting

Export transactions, reconcile instantly, and manage your compliance

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Send money to any Pix key, US account, or external wallet

Convert BRL to digital dollars and send USD to partners, suppliers, or contractors worldwide — fast and IOF-free. Pay any Pix key or external wallet, instantly.

What customers love about Ruvo

Hear how Ruvo transforms financial journeys

“

Saves money. The smartest option for CNPJs.

Profile photo of David Kang

David Kang

Software Engineer, Turn.io

“

Ruvo simplifies our entire international financial workflow.

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Joao Alvarenga

CEO, Antonnia AI

“

The best option for earning in dollars.

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Bruno Pazinato

Staff Engineer, Salsa

Business FAQs

Common questions about Ruvo for Brazilian businesses and CNPJs

Ruvo for Business helps Brazilian companies (CNPJ) receive USD from international clients, convert to BRL via Pix, send funds to the U.S., and spend globally with a Ruvo Card — all from one account.
Ruvo Business accounts are available to Brazilian companies with a valid CNPJ. If your business is registered in another country, contact our support team and we'll help assess eligibility.
Your business receives U.S. checking account details in its name. You can share these details with international clients, marketplaces, or payroll platforms to receive USD, which becomes available in your Ruvo wallet as USDT.
Convert USD or USDT to BRL directly in the app and withdraw via Pix in minutes, 24/7, at the commercial exchange rate.
Yes. Ruvo Business accounts come with a card you can use anywhere Visa is accepted, including Apple Pay and Google Pay. Your spending limit comes from your own Ruvo balance, so you spend with no IOF and no fees on dollar purchases.
Yes. Ruvo operates through regulated banking and payment partners and supports compliance requirements for Brazilian businesses.
Business accounts get FX at the commercial exchange rate, free USD deposits, fees starting at 0.3%, and higher transaction limits compared to personal accounts. All pricing and limits are fully transparent in the app.
Yes. Ruvo Business accounts support sending and receiving USDT on Polygon, allowing businesses to move funds to and from crypto platforms and wallets.
Yes. Businesses can send USD from Ruvo to U.S. bank accounts via ACH or wire directly from the app.

Ready to Ruvo?

Start using Ruvo today and take control of your money.

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© 2026 Ruvo Financial Inc. All rights reserved. Made in Brazil.
Ruvo is a global technology platform. Financial services are provided by regulated third parties. Ruvo does not custody funds or perform regulated activities in Brazil.