Receive money locally, internationally, or via digital dollars into your Ruvo wallet

Get paid in USD, BRL, or digital dollars. No forced conversions. Clear fees upfront.

Updated October 7, 2026Reviewed for accuracy

Receiving

How Brazilians receive money from abroad

When you deposit or receive funds, they're stored securely in your own non-custodial wallet — meaning only you control your assets. Ruvo simply connects your wallet to BRL, USD, and digital dollar rails so you can move money globally, instantly, and safely.

Payrolls
Get your international salary paid straight to you in dollars.
Receive from family and friends
Receive transfers from anyone abroad.
Receive payments from clients
Get paid by global clients via Pix, ACH, or digital dollars.

Global and borderless · Built for Brazilians

Ways to receive

Instant transfer via Pix
Send to Ruvo via Pix from your registered bank account in Brazil
Crypto wallet address
We make it easy to access your wallet info and send money to Ruvo from a crypto wallet
ACH or Wire transfer
Send funds to Ruvo through an ACH or Wire transfer from an American account

Ruvo gives you flexibility and control over your funds

Once funds are received, Ruvo allows complete flexibility, enabling you to send to any Pix or US account, as well as keep in Ruvo and spend on our card.

Send to Brazil instantly
Ruvo enables you to send USDC to any Pix instantly
Send to any US account via ACH
Ruvo enables ACH transfers to any US account with a Same Day ACH option
Spend your balance directly
Use your card to spend funds in USDC in Brazil and internationally

Spend USDC with Ruvo card anywhere in the world

Fund your balance, load your card, and spend worldwide — all from your Ruvo wallet

Top up
Add BRL, USD, or crypto to your Ruvo wallet - instantly converted to USDC behind the scenes
Activate
Choose how much of your wallet balance you want available on your Ruvo Card.
Spend
Use your Ruvo card anywhere with Apple Pay and Google Pay, with no FX markup on dollar spend or IOF.

How PJs get paid internationally with Ruvo
Receive, convert, and move money globally — built for businesses and contractors.
See Rates
Compare Personal vs CNPJ fees and create your account.

Resources

Keep reading

Guide

Send & receive

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

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Send money abroad

Pay people and businesses outside Brazil, instantly.

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Use Pix as a foreigner

Pay by Pix in Brazil straight from a dollar balance.

Read →

Pay for US university

Tuition and living costs in dollars, without IOF.

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Buy dollars for a US trip

Get travel dollars for less and spend with no IOF.

Read →

FAQs

Common questions about receiving dollars in Brazil

Talk to support Download Ruvo

How can I receive dollars in Brazil?

To receive dollars in Brazil, you need to use an account or platform that accepts international payments in foreign currency. Depending on the solution, the amount may be received in dollars or converted to reais.

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Is it possible to receive in dollars without converting to reais?

Yes, in some cases you can keep the amount in dollars before conversion. This depends on the structure of the account you use and can offer more flexibility about when to convert.

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How does exchange work when receiving dollars?

The exchange rate is the rate used to convert dollars into reais. In addition to the market rate, the institution may apply an exchange spread, which affects the final amount received.

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Do I need to pay IOF when receiving from abroad?

Operations made through Ruvo carry no IOF charge (0%). Outside of Ruvo, IOF on international transfers depends on the type of operation and the institution used.

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Everything you need to send, receive, and manage money globally. No hassle, and none of the abusive fees of traditional banks.

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