Built for your CNPJ

Receive international payments, convert USD or crypto to BRL instantly, send USD abroad, and convert BRL to USDT - all from one Ruvo Business account

Receive USD from abroad

Onramp BRL → USDT

Transfers starting at 0.2%

Spend with Ruvo Visa

Earn yield daily

Free crypto transfers

Digital wallet

Receive USD from abroad

Onramp BRL → USDT

Transfers starting at 0.2%

Spend with Ruvo Visa

Earn yield daily

Free crypto transfers

Digital wallet

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.

Deposit and receive BRL, money out abroad, or send to any wallet — all from your USDT balance.

You Deposit or Receive

USD

You or the Recipient Gets

BRL

Commercial Rate-

Your Rate (VET)-

Ruvo Fee-

IOFZero %

Total Cost-

Speed-

Business Rate Card

BRL →

USD

1.8%

USD →

BRL

0.4%

USD →

USDT

0.2%

USDT →

USD

0.9%

BRL →

USDT

0.9%

USDT →

BRL

0.2%

Crypto

FREE

Visa

FREE

The all-in-one USD wallet for your business

Receive Global Payments

Accept USD via ACH, or wire, crypto directly from clients, or convert your BRL to USDT instantly

Business Visa Card

Spend globally in USD directly from your balance — with no FX markup or IOF

Reporting

Export transactions, reconcile instantly, and manage your compliance

Send money to any Pix key, US account, or crypto wallet

Convert BRL to USDT, and transfer USD to partners, suppliers, or contractors worldwide - fast and without IOF. Send to any Pix key or crypto wallet, instantly.

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

Business FAQs

Common questions about Ruvo for Brazilian businesses and CNPJs

Ruvo for Business helps Brazilian companies (CNPJ) receive USD from international clients, convert to BRL via Pix, send funds to the U.S., and spend globally with a Ruvo Visa card — all from one account.

Ruvo Business accounts are available to Brazilian companies with a valid CNPJ. If your business is registered in another country, contact our support team and we'll help assess eligibility.

Your business receives U.S. checking account details in its name. You can share these details with international clients, marketplaces, or payroll platforms to receive USD, which becomes available in your Ruvo wallet as USDT.

Convert USD or USDT to BRL directly in the app and withdraw via Pix in minutes, 24/7, at the commercial exchange rate.

Yes. Ruvo Business accounts can use a Ruvo Visa Platinum credit card for global spending, including Apple Pay and Google Pay. The card is secured by your Ruvo balance, so your spending limit is collateralized — with no IOF and no fees on USD transactions.

Yes. Ruvo operates through regulated banking and payment partners and supports compliance requirements for Brazilian businesses.

Business accounts get FX at the commercial exchange rate, Ruvo's lowest fees starting at 0.2%, and higher transaction limits compared to personal accounts. All pricing and limits are fully transparent in the app.

Yes. Ruvo Business accounts support sending and receiving USDT on Polygon, allowing businesses to move funds to and from crypto platforms and wallets.

Yes. Businesses can send USD from Ruvo to U.S. bank accounts via ACH or wire directly from the app.

Ready to Ruvo?

Wherever life takes you, one wallet's enough.

Scan to get Ruvo