Resource hub

Receive, Hold, Spend & Invest Globally

Q: Who is the Ruvo resource hub for?

Anyone in Brazil who receives, converts, or spends money globally — contractors and/or freelancers, PJ professionals, individuals receiving from family or clients, startups, and businesses paying or receiving internationally.

Q: Do I need a PJ to receive money from abroad?

Not always. Many people receive as individuals (PF), especially for occasional income. Contractors and/or Freelancers and recurring international income often benefit from PJ or MEI structures. Our guides help you compare PF vs PJ.

Q: What is IOF and when do I pay it?

IOF is a Brazilian tax on certain foreign exchange operations. It depends on how you receive and convert funds. Ruvo uses stablecoin rails that can help eligible users avoid IOF on many flows — see our IOF guides for details.

Q: What's the difference between SWIFT and ACH?

SWIFT is the traditional international Wire network — widely accepted but often slower and more expensive. ACH is a U.S. domestic payment system that's typically free or low-cost for USD receipts. Ruvo provides U.S. account details for ACH receipts.

Q: How do Ruvo's calculators work?

Our calculators use Ruvo's live pricing to estimate fees and FX costs for common flows — receiving USD, converting to BRL, and sending abroad. Results are indicative; final amounts appear in the app.

Guides, calculators, and comparisons to help PFs and PJs move and grow their money internationally.

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46 Free guides & articles6 Content categories1 FX & tax calculators

Account comparisonsRuvo vs Wise, Nomad, and other platforms

USD account & IOFUSD account in Brazil: IOF, SWIFT, and ACH explained

Contractors & businessesHow to receive money from abroad as PJ, contractor or freelancer

Guides

Receive, send, and grow your money globally

Global money from Brazil still means hidden IOF, opaque spreads and too many platforms to compare. We bring together guides, calculators and honest comparisons to help you decide better.

9 guidesContractors & businesses

The complete guide for earning in dollars while living in Brazil.

6 guidesAccount comparisons

Wise, Nomad, Husky and Ruvo side by side: fees, IOF and FX.

8 guidesDollar card

Spend in dollars worldwide with 0% IOF.

4 guidesCrypto & stablecoins

Digital dollars, self-custody and crypto rails, made simple.

5 guidesSend & receive

Move money in and out of Brazil, in dollars, reais or crypto.

9:41

Add via Pix

This is an estimate. Your final quote and exchange rate will be confirmed on the next screen.

BRL1.000,00

You'll receive (USDC)

≈ 196.41 USDC

Real-time rate1 USDC = 5.0660 BRL

Your rate (after fees)Includes 0.5% fee1 USDC = 5.0915 BRL

IOF0%

Estimated arrival< 1 minute

Continue with Pix

8 guidesUSD account & IOF

Rails, rates and taxes behind every dollar fee, explained.

PopularMost searched topics

How to receive money from abroad as PJ, contractor or freelancer USD account in Brazil: IOF, SWIFT, and ACH explained Ruvo vs Wise, Nomad, and other platforms International transfer fee calculator Connect international payroll to Ruvo Receive USD as an individual with Ruvo Personal

Resources

Explore by topic

Deep dives on receiving from abroad, USD accounts, payroll, crypto, comparisons, and more.

Contractors & businesses⁹

Receive from abroad for less, with everything you need to know in one place.

How to receive money from abroad PF vs PJ How to receive USD as a PJ Best account to receive USD How to receive a USD salary in Brazil and pay lower fees Platforms to earn from abroad Business tax on exported services Working remotely for foreign companies Case Study: Brazilian dev earning $5k

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Account comparisons⁶

Choose based on real fees, IOF and speed — not on ads.

Wise vs Ruvo Nomad vs Ruvo Is Nomad Pass worth it?Husky vs Ruvo Higlobe vs Ruvo TechFX vs Ruvo

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Dollar card⁸

Spend abroad for less — no IOF, with transparent FX.

Avoid double taxation Spend in dollars with a card Spend without converting to reais Receive & spend as a contractor Dollar card for US travel International card fees Card for businesses Ruvo vs Nomad for travel

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Crypto & stablecoins⁴

Digital dollars, self-custody and instant transfers, explained simply.

What is a non-custodial wallet Send to a crypto wallet Stablecoins for remittances Crypto wallet security

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Send & receive⁵

Move money in and out of Brazil for less, in dollars, reais or crypto.

Receive dollars in Brazil Send money abroad Use Pix as a foreigner Pay for US university Buy dollars for a US trip

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USD account & IOF⁸

The rails, the rates and the taxes behind every dollar fee, in plain language.

How SWIFT works What is ACH Stablecoin vs SWIFT ACH vs SWIFT How much IOF do I pay FX spread, explained How exchange rates work 2026 tax table for dollar earners

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Contractors & businessesReceive from abroad for less, with everything you need to know in one place.

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In the newsSee what newspapers and magazines are saying about Ruvo →

Frequently asked questions

Quick answers about receiving, converting, and spending dollars in Brazil.

Talk to support Download Ruvo

Who is the Ruvo resource hub for?

Anyone in Brazil who receives, converts, or spends money globally — contractors and/or freelancers, PJ professionals, individuals receiving from family or clients, startups, and businesses paying or receiving internationally.

See more questions

Do I need a PJ to receive money from abroad?

Not always. Many people receive as individuals (PF), especially for occasional income. Contractors and/or Freelancers and recurring international income often benefit from PJ or MEI structures. Our guides help you compare PF vs PJ.

See more questions

What is IOF and when do I pay it?

IOF is a Brazilian tax on certain foreign exchange operations. It depends on how you receive and convert funds. Ruvo uses stablecoin rails that can help eligible users avoid IOF on many flows — see our IOF guides for details.

See more questions

What's the difference between SWIFT and ACH?

SWIFT is the traditional international Wire network — widely accepted but often slower and more expensive. ACH is a U.S. domestic payment system that's typically free or low-cost for USD receipts. Ruvo provides U.S. account details for ACH receipts.

See more questions

How do Ruvo's calculators work?

Our calculators use Ruvo's live pricing to estimate fees and FX costs for common flows — receiving USD, converting to BRL, and sending abroad. Results are indicative; final amounts appear in the app.

See more questions

See all questions →

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