Spend globally. Save in USDT. Earn as you go

One financial app for life between Brazil and the US - earn yield on your USDT balance, use your Ruvo card to spend dollars anywhere, and move money globally and locally in USD, BRL, or crypto

Man smiling while looking at his smartphone on the go

Receive USD from abroad

Onramp BRL → USDT

Free USD deposits

Spend with your Ruvo card

Earn yield daily

Free crypto transfers

Digital wallet

Your USDT wallet for life between countries

No markups

No hidden spreads

No IOF

Spend globally, with one card.

Your Ruvo Card lets you spend dollars anywhere in the world - we convert from your USDT balance 1:1, with no feeds on dollar purchases.

Instant BRL or USD conversion from USDT

No hidden FX markup

Compatible with Apple Pay & Google Pay

Send and receive money globally in seconds.

Convert between Reais, USD, and crypto with market-leading FX rates, and no IOF.

Deposit or withdraw in BRL and USD

0.5% fee on USDT <> USD

1.0% fee on BRL <> USD transfers

Free crypto-to-crypto transfers

Your money, earning while it rests.

Keep your balance in USDT - stable, dollar-pegged, and yield-bearing. You earn automatically every day, with no lock-ins.

Earn up to 6% APY on your balance

No lock-ins or complex steps

Withdraw anytime

No markups

No hidden spreads

No IOF

See your exchange rate and total cost

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

Send and receive USD, BRL, or USDT and move money globally from a single personal balance.

Transfer Calculator

Convert BRL, USD and USDT with transparent fees

You send

BRL

The recipient gets

USD

Effective rate VET is -

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For Freelancers and Remote Workers

Get paid from clients abroad in USD or crypto and manage your business seamlessly.

Convert to BRL

Send to Pix or crypto wallets

Withdraw instantly - no IOF, no hidden spreads.

What customers love about Ruvo

Hear how Ruvo transforms financial journeys

“

Saves money. The smartest option for CNPJs.

David Kang

Software Engineer, Turn.io

“

Ruvo simplifies our entire international financial workflow.

Joao Alvarenga

CEO, Antonnia AI

“

The best option for earning in USD.

Bruno Pazinato

Staff Engineer, Salsa

Personal FAQs

Common questions about using Ruvo as an individual

Ruvo helps individuals receive USD, convert to BRL via Pix, send funds to the U.S., and spend globally with a Ruvo card — all from one app.

Ruvo personal accounts are available to Brazilian and U.S. individuals. If you hold another nationality, contact our support team and we’ll help assess eligibility.

You receive U.S. checking account details in your name. Share them with employers, clients, or platforms like Deel or Upwork 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 personal accounts include a card for global spending, anywhere Visa is accepted, including Apple Pay and Google Pay. The card is secured by your balance, so your spending limit is collateralized — with no IOF and no fees on USD transactions.

Yes. Ruvo works with regulated banking and payment partners and provides a non-custodial wallet, so you stay in control of your funds while meeting compliance requirements.

Personal accounts use the commercial exchange rate with simple, transparent fees shown in the app, starting at 0.5%. Transaction limits are clearly displayed and can increase with verification.

Yes. Ruvo personal accounts support sending and receiving USDT on Polygon, allowing you to move funds to and from crypto platforms and wallets. Crypto transactions are free

Yes. You 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.

Scan to get Ruvo