Your global accountcardmoneyinvestmentswallet
without borders.
Receive in dollars, convert between BRL, USD, digital dollars, and crypto with 0% IOF, and move your money across borders — all in one place.
Backed by leading global investors
One global account for everything your money does.
No IOF, real market rates, and money that actually moves in minutes. Here's what that means.
No IOF on converting, spending, or sending abroad. Brazilian cards charge 4.38% IOF and bank wires 1.1% — even Wise charges 1.1%. You keep more of every transaction.
Move between BRL, USD, digital dollars, and crypto in seconds. You get the real market rate — we never mark it up — plus one transparent fee (0.3%–1% by route and account type; USD↔digital dollars is free). See all rates
A dollar card you can use anywhere Visa is accepted — 0% IOF, vs the 3.5% IOF and FX markups Brazilian cards add abroad. Add it to Apple Pay or Google Pay and spend straight from your dollar balance — free on dollar purchases, a flat 1% on other currencies.
Get your own US account details and receive dollars for free — then hold, convert and spend across BRL, USD, digital dollars, and crypto, all from one account.
Send to any Pix key, US account, or crypto wallet — it arrives in minutes, not the days a SWIFT transfer takes.
An effortless app that quietly handles the hard part — instant settlement, multi-currency balances, and security — so moving money just works.
Article
Ruvo, the fintech from ex-Uber that facilitates a 'Pix' between Brazil and USA
“(...) The startup, which gained support from the American accelerator Y Combinator, has just raised $4.6 million in a round led by 1confirmation, which has invested in Polymarket and Coinbase. Among other participants are Coinbase Ventures (...)”
Continue readingChoose the account that fits your life
Personal, business, or card — one global account to receive, convert, and spend without borders.
Business
Receive global payments, reconcile instantly, and manage your company's money in USD — without IOF.
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Personal
Receive in dollars, convert between BRL, USD, digital dollars, and crypto, and move your money in one place.
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Card
Spend worldwide in real dollars straight from your balance — no FX markup and no IOF.
Learn moreReal stories from those who chose Ruvo
A new way to manage money, from people who already use it
Fast, simple and direct
I can receive my payments from the US easily with very little bureaucracy. Once the money arrives, I can transfer it instantly to my bank account via Pix. Super simple.
They're always listening to user feedback and releasing new features frequently, which shows they really care about improving the product.
Overall, I'm loving the app! I highly recommend it for anyone who wants to simplify receiving international payments.
guscsales
Let me focus on what really matters
When you're building a company, you want to focus on your customers, on building your product.
What you don't want to focus on is the bureaucracy — making transactions, thinking about the fees you have to pay, and so on.
Ruvo took that headache off my plate so I can focus on what matters: my business. And that's essential to me.
João Alvarenga
Where your money is truly safe
Protection paired with the freedom to move your money between BRL, USD, digital dollars, and crypto.
You're in control
Your funds stay in a non-custodial wallet — only you control your assets, always.
Learn moreTransparent by design
See and track your balance in real time, with clear rates and zero hidden fees.
Learn moreSecure and fast
Built on trusted rails with enterprise-grade protection and biometric security.
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No markups
No hidden spreads
No IOFSee your exchange rate and total cost
Ruvo uses the same transparent market exchange rate for personal and business accounts.
Deposit and receive BRL, send money abroad, or send to any wallet — all from your digital dollar balance.
Transfer Calculator
Convert BRL, USD and USDT with transparent fees
You send
BRLThe recipient gets
USD
Effective rate VET is -
Total fees and taxes
Fee: -
Arrival: —
Commissions: 0%
Costs: PIX 0%
Arrives
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Open a personal or business account
Everything you need to send, receive, and manage money globally. No hassle, and none of the abusive fees of traditional banks.
Scan the code or download the app
Frequently asked questions
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.