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Transfer money
Move between USD, BRL and digital dollars with no IOF or hidden fees.
0% IOF · fees from 0.3%
Or use it in your browser at my.ruvo.com →
Move money quickly without IOF
With Ruvo, your days of losing money to IOF are over — international account, zero IOF.
Fees starting at 0.3%Free digital dollar transfersSend BRL → digital dollars
9:41
Give $20, get $20
Hey, Thiago!
Account Balance
2,120.00 USD
1.00 USDC = 1 USD
+ Add moneySend
$
1,620.00
USDC
₮
500.00
USDT
Earning +$0.41 today$3,500.00+$12.48 earned
4.3% APY
Transactions See all
Pix to Tatianaabout an hour ago
− 20.00 USDC
Pix receivedR$ 5.050,80
IOFR$ 0,00
Backed by leading global investors
How it works
How it works
From receiving dollars from abroad to spending them globally — manage USD, BRL, and digital dollars in a single Ruvo wallet.
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Use it worldwide
Spend on your card in any country or send to accounts abroad.
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Spend with no IOF
Use the Ruvo card anywhere in the world, with 0% IOF on every purchase.
In the press
Ruvo in the news
Brazil Journal
Ruvo, the ex-Uber founder's fintech that makes 'Pix' work between Brazil and the US
“Billions of reais are lost to unfavorable exchange rates, hidden fees and outdated infrastructure. (...) Using stablecoins, payment is nearly instant, like Pix.”
Continue reading →
Exame
The American ex-Uber exec who was wowed by Pix in Brazil and built a R$ 1 billion fintech
“Someone bought me a coconut with Pix and I was blown away. I couldn't believe how much things had changed.”
Continue reading →Why Ruvo
Why Ruvo?
Market-Leading Exchange Rates
Convert between BRL and USD — instantly, in both directions — with real-time market rates, no hidden spreads, no surprises.
IOF-Free
Transactions on Ruvo are exempt from IOF, whether you're converting, spending, or sending abroad. Keep more of your money, wherever it goes.
Instant Global Access (Pix + Crypto + Card)
Receive USD, add BRL via Pix and move freely between USD and BRL — spend in dollars, send USD internationally, or convert to BRL to pay with Pix — all from one connected wallet.
Fully Connected to Crypto
Your Ruvo wallet is non-custodial, giving you direct access to the world of digital dollars. Send and receive digital dollars freely between exchanges, wallets, and platforms — your money moves instantly, with no limits or intermediaries.
Pricing
Calculate your transfers and total costs
Ruvo uses the same transparent market exchange rate for personal and business accounts.
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
People who already get paid through Ruvo, in their own words
From people who work for companies abroad and use Ruvo every month.
I've tried several digital wallets, and in many the onboarding is slow and bureaucratic. Ruvo was different: I finished signing up in far less time than I was used to.
The fee wasn't what weighed most in my decision. What caught my attention was having a complete experience in the app, simple and practical.
When I have a question or a problem, I can talk to a person and get real help. That kind of close support makes a difference, especially when we're talking about money.
Ready to Ruvo?
Start using Ruvo today and take control of your money.
Scan to get Ruvo