Guides, calculators, and comparisons to help PFs and PJs move and grow their money internationally.
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Whether you're getting paid from abroad, sending dollars across borders, or putting your balance to work — global money from Brazil still means hidden IOF, opaque spreads, and too many platforms to compare. This hub brings together guides, live calculators, and honest comparisons to help you make smarter decisions at every step.
Whether you're still deciding between PF and PJ or already billing internationally, this guide covers how to receive USD, compare rails, understand fees, and choose the right setup for your work.
Read the guideUnderstand how Brazilians receive dollars today, what IOF really costs, and how ACH and stablecoin rails compare to traditional SWIFT transfers.
Learn about USD accountsDeep dives on receiving from abroad, USD accounts, payroll, crypto, comparisons, and more.
Guides on PF vs PJ, CNPJ setup, invoicing, and receiving international payments.
How dollar accounts work in Brazil, IOF rules, and SWIFT vs ACH.
How to send money abroad and receive dollars in Brazil with transparent fees.
Connect Deel and other payroll platforms to receive USD in Brazil.
Ruvo Business for companies receiving and moving money globally.
USDT, non-custodial wallets, and crypto-native money movement.
Honest comparisons between Ruvo, Wise, Nomad, and other providers.
Spend in dollars on travel, software and ads with 0% IOF and transparent FX.
Estimate fees and FX costs with Ruvo's live pricing calculator.
Quick answers about receiving, converting, and spending dollars in Brazil.
Anyone in Brazil who receives, converts, or spends money globally — freelancers, PJ professionals, individuals receiving from family or clients, startups, and businesses paying or receiving internationally.
Not always. Many people receive as individuals (PF), especially for occasional income. Freelancers and recurring international income often benefit from PJ or MEI structures. Our guides help you compare PF vs PJ.
IOF is a Brazilian tax on certain foreign exchange operations. It depends on how you receive and convert funds. Ruvo uses stablecoin rails that can help eligible users avoid IOF on many flows — see our IOF guides for details.
SWIFT is the traditional international wire network — widely accepted but often slower and more expensive. ACH is a U.S. domestic payment system that's typically free or low-cost for USD receipts. Ruvo provides U.S. account details for ACH receipts.
Our calculators use Ruvo's live pricing to estimate fees and FX costs for common flows — receiving USD, converting to BRL, and sending abroad. Results are indicative; final amounts appear in the app.
Ruvo is a global technology platform. Financial services are provided by regulated third-party partners. Ruvo provides a non-custodial wallet so you stay in control of your funds.
Everything you need to send, receive, and manage money globally. No hassle, and none of the abusive fees of traditional banks.
