Transfers in Brazil
Send and receive via Pix in Brazil — the conversion to dollars happens instantly, no extra step.
SMBs
Built for companies that do business with the world
Foreign trade, tech or tourism: any company moving dollars loses money to IOF, spread and paperwork. Ruvo fixes that with one global dollar account to pay suppliers, get paid by clients and move money.
New YorkMiamiRio de Janeiro
Receive dollars from abroadConvert reais to dollars instantlyReceiving dollars is freeCard with 0% IOFYour balance earns dailyFree between Ruvo accountsApple Pay and Google Pay
The account
Create your accountEverything your company needs to operate in dollars
Pay suppliers, get paid from abroad and keep your cash earning in dollars, with fees from 0.3% and 0% IOF.
International transfers
Send and receive from the US and the world via ACH, Wire, RTP or SWIFT — the right rail for each payment.
Earnings in dollars
Earns up to 4.3% a year, calculated every second, no term, no minimum.
Company earning balance · example$250,000.00+US$ 29.45 today · up to 4.3% a year
Business card
Spend in dollars around the world, with no IOF.
By app or browser
From the app or at my.ruvo.com — same account, same balance.
Dollar account
Your company's dollar account for sending and receiving international payments.
Use cases
How businesses use Ruvo?
Client payments in
Get paid by international clients into a dollar account in your company's name.
Learn more
Currency hedge
Keep part of your cash in dollars to protect the company from BRL swings.
Commercial exchange rate
Convert reais and dollars at the commercial rate, with no traditional bank spread.
Learn morePricing
What it really costs
Fees from 0.3% for businesses. No hidden markup.
Pay suppliers, receive from clients, and move funds around the world, all from your company's digital dollar balance.
No markupsNo 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!
Customers
What customers love about Ruvo
Hear how Ruvo transforms financial journeys
Saves money. The smartest option for CNPJs.
Ruvo simplifies our entire international financial workflow.
The best option for earning in dollars.
Frequently asked questions
Common questions about Ruvo for Brazilian businesses and CNPJs
What is Ruvo for Business?
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.
See more questionsWho can open a Ruvo Business account?
Ruvo Business accounts are available to companies from any country, except where restricted by international sanctions, per our Terms of Use. Some jurisdictions require additional documentation.
See more questionsWhat documents do I need to open a business account?
The company's articles of incorporation (contrato social) and its CNPJ or foreign registration, plus the representative's ID, CPF, a selfie and proof of address. Verification usually takes 1 to 3 business days.
See more questionsHow does a business receive USD with Ruvo?
Your business receives U.S. checking account details in its name. You share these details with international clients, marketplaces, or payment platforms to receive dollars, which become available in your company's Ruvo balance as digital dollars.
See more questionsHow do I pay a supplier abroad?
Straight from the app, using your company's dollar balance. You pick the rail, ACH, Wire, RTP or SWIFT, and the money goes to your supplier's account. You see the fee and timing before you confirm.
See more questionsReady to Ruvo?
Start using Ruvo today and take control of your money.
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