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Spend globally. Save in digital dollars. Earn as you go

The financial app for those who move between Brazil and the world. Spend in dollars with the Ruvo card anywhere in the world, and let the rest earn up to 6% a year. All with no IOF.
Two friends looking at a phone together at a train station
Receive USD from abroad
Convert BRL → digital dollars
Free USD deposits
Spend with your Ruvo card
Earn yield daily
Free digital dollar transfers
Digital wallet

Your digital-dollar wallet for life between countries

No markups
No hidden spreads
No IOF

Spend globally, with one card

Coins representing instant transfers

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

Instant BRL or USD conversion from digital dollars
No hidden FX markup
Compatible with Apple Pay & Google Pay

Send and receive money globally in seconds

Coins representing zero hidden fees

Convert between reais, dollars, and digital dollars 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

Coins representing yield earnings

Keep your balance in digital dollars — 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

Exchange rate and total cost

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

Send and receive USD, BRL, or digital dollars and move money globally from a single personal 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 -

Total fees and taxes

Fee: -

Arrival: —

Commissions: 0%

Costs: PIX 0%

Arrives

-

Freelancer sitting in an armchair, working remotely with a view of the city

For Freelancers and Remote Workers

Get paid from clients abroad in dollars or digital dollars and manage your business seamlessly.

Convert to BRL
Send to Pix or digital dollar wallets
Withdraw instantly — no IOF, no hidden spreads.
How to receive money from abroad

What customers love about Ruvo

Hear how Ruvo transforms financial journeys

“

Saves money. The smartest option for CNPJs.

Profile photo of David Kang

David Kang

Software Engineer, Turn.io

“

Ruvo simplifies our entire international financial workflow.

Profile photo of Joao Alvarenga

Joao Alvarenga

CEO, Antonnia AI

“

The best option for earning in dollars.

Profile photo of Bruno Pazinato

Bruno Pazinato

Staff Engineer, Salsa

Personal FAQs

Common questions about using Ruvo as an individual

Ruvo puts your global financial life in one app: receive dollars, convert to BRL via Pix, send funds to the U.S., and spend anywhere with a Ruvo card.
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 you can use anywhere Visa is accepted, including Apple Pay and Google Pay. Your spending limit comes from your own Ruvo balance, so you spend with no IOF and no fees on dollar purchases.
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, so you can move funds to and from crypto platforms and wallets. Transfers between Ruvo accounts 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.

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© 2026 Ruvo Financial Inc. All rights reserved. Made in Brazil.
Ruvo is a global technology platform. Financial services are provided by regulated third parties. Ruvo does not custody funds or perform regulated activities in Brazil.