Spend globally. Save in USDT. Earn as you go

One financial app for life between Brazil and the US - earn yield on your USDT balance, use your Ruvo Visa to spend dollars anywhere, and move money globally and locally in USD, BRL, or crypto

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

Your USDT wallet for life between countries

No markups

No hidden spreads

No IOF

Spend globally, with one card.

Your Ruvo Visa lets you spend dollars anywhere in the world - we convert from your USDT balance 1:1, with no feeds on dollar purchases.

Instant BRL or USD conversion from USDT

No hidden FX markup

Compatible with Apple Pay & Google Pay

Send and receive money globally in seconds.

Convert between Reais, USD, and crypto with market-leading FX rates, and no IOF.

Deposit or withdraw in BRL and USD

0.9% fee on USDT <> BRL/USD

1.8% fee on BRL <> USD transfers

Free crypto-to-crypto transfers

Your money, earning while it rests.

Keep your balance in USDT - stable, dollar-pegged, and yield-bearing. You earn automatically every day, with no lock-ins.

Earn up to 6% APY on your balance

No lock-ins or complex steps

Withdraw anytime

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-

Individual Rate Card

BRL →

USD

1.8%

USD →

BRL

1.8%

USD →

USDT

0.9%

USDT →

USD

0.9%

BRL →

USDT

0.9%

USDT →

BRL

0.9%

Crypto

FREE

Visa

FREE

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

Personal FAQs

Common questions about using Ruvo as an individual

Ruvo helps individuals receive USD, convert to BRL via Pix, send funds to the U.S., and spend globally with a Ruvo Visa card — all from one app.

Ruvo personal accounts are available to Brazilian and U.S. individuals. If you hold another nationality, contact our support team and we’ll help assess eligibility.

You receive U.S. checking account details in your name. Share them with employers, clients, or platforms like Deel or Upwork 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 personal accounts include 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 works with regulated banking and payment partners and provides a non-custodial wallet, so you stay in control of your funds while meeting compliance requirements.

Personal accounts use the commercial exchange rate with simple, transparent fees shown in the app, starting at 0.9%. Transaction limits are clearly displayed and can increase with verification.

Yes. Ruvo personal accounts support sending and receiving USDT on Polygon, allowing you to move funds to and from crypto platforms and wallets. Crypto transactions are free

Yes. You 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