Send from Ruvo to a crypto wallet

Because a Ruvo wallet is non-custodial, your USDC and USDT are not locked inside one app. You can send them to any external wallet: a hardware wallet, an exchange, a partner, a family member, or your own second wallet. No approval queue, no "send only to your own account" restriction.

Sending to an external wallet costs 0.9% for individuals and 0.4% for businesses, with 0% IOF. Transfers between two Ruvo accounts are free. There is no IOF because you are moving digital dollars, not running a currency exchange. Compare that to a bank Wire, which adds IOF plus fixed fees and takes days.

Sending straight to a wallet is useful when you want to move dollars to a hardware wallet for safekeeping, fund an exchange account, pay a supplier or partner who accepts stablecoins, or rebalance between your own wallets. If the goal is to get reais to someone in Brazil instead, that is a stablecoin remittance, which can land directly via Pix.

When sending USDC or USDT, the network matters as much as the address. Confirm the network your destination wallet uses before sending. ERC-20 (Ethereum) is the most widely accepted but carries higher gas fees at peak times. TRC-20 (Tron) is faster and cheaper and widely used for USDT transfers. Sending on the wrong network typically means the funds do not appear in the receiving wallet and recovery is not possible in most cases. Always check the deposit instructions on the receiving exchange or wallet app before confirming.

Brazilian taxpayers must report cryptocurrency holdings and transfers on their IRPF declaration and to the Receita Federal if disposals result in gains above R$35,000 in any month. Sending USDC from Ruvo to a personal wallet is generally a transfer, not a taxable disposal. If you are sending to a third party as payment for a service, that may be a taxable event. Consult a contador familiar with crypto before making regular high-value transfers.