You share the details of a dollar account (ACH) with the client or platform and receive directly in USD, without the bank’s expensive FX.

No. You hold the dollar balance and convert only what you need (from 0.5% for individuals, 0% IOF), spending the rest directly on the card.

Yes. At Ruvo, receiving, holding, converting and spending happen in the same account.

From marketplaces like Upwork and Fiverr, payroll platforms like Deel and Rippling, and direct clients, just share your dollar-account (ACH) details. Receiving is free.

Yes. Foreign income received by an individual (PF) must be reported monthly via carnê-leão, using the PTAX exchange rate on the payment date. It is also included in your annual IRPF declaration under "rendimentos recebidos do exterior." Failing to declare can result in malha fina penalties. If you receive as PJ, income is declared under your company's tax regime instead.

Yes. Ruvo lets you send a Pix payment funded from your dollar balance — the conversion happens at the time of the Pix, and the recipient receives reais instantly. This removes the extra step of converting to reais first and then paying. It is useful for paying local freelancers, service providers or rent from the same balance where your dollar income sits.