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 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 -

Save when you spend, send, and get paid

Everything you need in one account — move money globally with transparent rates and 0% IOF.

Send and receive dollars and reais, save on fees — no IOF

Convert between USD, BRL, and digital dollars at market rates with no hidden spreads or surprise charges.

An international card

Spend worldwide in USD with no IOF or FX fees on dollar purchases — your digital dollars, accepted globally.

Grow your money in dollars — invest

Earn daily yield on your digital dollar balance and keep more of your money working in dollars.

Learn more

Ruvo app showing USD to BRL conversion with 0% IOF

Fees with transparency

Open a Ruvo accountFree
Crypto-to-crypto transfersFree
IOF taxesFree
Send money0.3%–0.9%, depending on account and currencyView more
ConvertInstant conversion from digital dollars to BRL or USD
Spend globallyFree — 0% IOF on the card
Yield on your balanceEarn up to 6% APY on your balance
Daily yieldCredited daily to your digital-dollar balance

Open a personal or business account

Everything you need to send, receive, and manage money globally. No hassle, and none of the abusive fees of traditional banks.

Scan the code or download the app

Frequently asked questions

We're always here to help, with simple, fast, and reliable answers.

Talk to support

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.