Transfers starting at 0.3%Free crypto transfersSend BRL → USDT

Move money quickly without IOF

With Ruvo, your days of losing money to IOF are over — international account, zero IOF.

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Backed by leading global investors

How it works

From receiving dollars from abroad to spending them globally — manage USD, BRL, and crypto in a single Ruvo wallet.

Transfer money

Move between USD, BRL and crypto with no IOF or hidden fees.

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Use it worldwide

Spend on your Visa card in any country or send to accounts abroad.

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Spend with no IOF

Use the Ruvo card anywhere Visa is accepted, with 0% IOF on every purchase.

Article

Ruvo, the fintech from ex-Uber that facilitates a 'Pix' between Brazil and USA

By Brazil Journal

“(...) 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 (...)”

Person using the Ruvo app on a smartphone

Why Ruvo?

Market-Leading Exchange Rates

Convert between BRL and USD — instantly, in both directions — with real-time market rates, no hidden spreads, no surprises.

IOF-Free

Transactions on Ruvo are exempt from IOF, whether you're converting, spending, or sending abroad. Keep more of your money, wherever it goes.

Instant Global Access (Pix + Crypto + Visa)

Receive USD, add BRL via Pix and move freely between USD and BRL — spend in dollars, send USD internationally, or convert to BRL to pay with Pix — all from one connected wallet.

Fully Connected to Crypto

Your Ruvo wallet is non-custodial, giving you direct access to the crypto world. Send and receive USDT freely between exchanges, wallets, and platforms — your money moves instantly, with no limits or intermediaries.