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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 Visa to spend dollars anywhere, and move money globally and locally in USD, BRL, or crypto
Receive USD from abroad
Onramp BRL → USDT
Transfers starting at 0.2%
Spend with Ruvo Visa (coming soon)
Earn yield daily
Free crypto transfers
Digital wallet
Receive USD from abroad
Onramp BRL → USDT
Transfers starting at 0.2%
Spend with Ruvo Visa (coming soon)
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.

Spend globally, with one card.

Your Ruvo Visa 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.

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
0.9% fee on USDT <> BRL/USD
1.8% fee on BRL <> USD transfers
Free crypto-to-crypto transfers

Your money, earning while it rests.

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

Transparent exchange rates, no IOF, and no hidden fees

Ruvo offers the best FX rate - the same one you find on Google. Just a small, flat fee per conversion, so you always know where your money goes.

Convert
USD
BRL
1 USD = 0.00000 BRL0.00
Fee1234
Arrival1234
Commissions1234
Costs1234

Business Rate Card

BRL
USDT xx%
USD
USDT xx%
USDT
BRL xx%
USD
BRL xx%
Crypto
FREE
Visa Card Spend
FREE

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

No more complicated international money transfers.

Mariana Costa

Remote marketing consultant

Ruvo transformed my international financial workflow completely.

Eduardo Mendes

Global software engineer

No more complicated international money transfers.

Mariana Costa

Remote marketing consultant

FAQs

Common questions about our comprehensive financial platform

Ruvo uses bank-grade encryption. Every transaction is monitored and protected. Your money moves safely.
MikeApp is a comprehensive financial platform designed to help you manage your finances effectively.
MikeApp is a comprehensive financial platform designed to help you manage your finances effectively.
MikeApp is a comprehensive financial platform designed to help you manage your finances effectively.
MikeApp is a comprehensive financial platform designed to help you manage your finances effectively.

Ready to Ruvo?

Wherever life takes you, one wallet's enough.

Scan to get Ruvo