We use stablecoins (USDT) instead of traditional SWIFT. Since it's not an international bank transfer, there's no 1.1% IOF. Single fee of 0.5% for individuals or 0.3% for businesses.
Free USD depositsFree crypto transfersConvert BRL → USDT
International Card Without IOF
Spend globally with the Ruvo card — no IOF.
Backed by leading global investors
Spend globally on your phone with the Ruvo card
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 digital dollars behind the scenes
Activate
Choose how much of your wallet balance you want available on your Ruvo Card.
Spend
Use your Ruvo Visa anywhere, with Apple Pay and Google Pay — no FX markup on dollar spend and no IOF.
Spend with zero IOF
SpendingReasons to use the Ruvo card
With the Ruvo card, you get more control over your money and exclusive perks for everyday life. On top of convenience and security, it brings benefits that keep up with your pace — the smart choice for anyone who wants to simplify and get more out of every purchase.
Spend while traveling abroad
Easy to reload and convenient to spend abroad
Spend online with US companies
Buy online from US companies with zero IOF.
Spend locally in Brazil
Make purchases locally in BRL directly from your Ruvo balance
Learn more about IOFs and Ruvo
Yes. Ruvo operates with regulated partners and uses non-custodial wallets, meaning only you control your assets.
Yes. The Ruvo Visa card works at any Visa-accepting establishment worldwide. No IOF, no hidden fees.
What customers love about Ruvo
Hear how Ruvo transforms financial journeys
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Saves money. The smartest option for CNPJs.
David Kang
Software Engineer, Turn.io
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Ruvo simplifies our entire international financial workflow.
Joao Alvarenga
CEO, Antonnia AI
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The best option for earning in USD.
Bruno Pazinato
Staff Engineer, Salsa
