No maintenance fee. No hidden FX markup.
You see everything before you confirm, with your money available instantly, no surprises.
Move funds globally in minutes using stablecoins
Every fee is shown before you confirm
Built with trusted protocols and audited systems
In just a few steps you dollarize your balance, use your card around the world, and keep your dollars working for you on-chain.
Transfer between USD, BRL and digital dollars with no IOF or hidden fees
Spend with the Visa card in any country or send to accounts abroad
Spend with the Ruvo card anywhere Visa is accepted, 0% IOF
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
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 IOFKeeping 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
BRLThe recipient gets
USDT
Exchange rate used for this conversion is -
Total fees and taxes
Fee: -
Arrival: —
Commissions: 0%
Costs: PIX 0%
Arrives
-
We're always here to help, with simple, fast, and reliable answers.
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.
Start using Ruvo today and take control of your money.
