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How-to

Send from Ruvo to a crypto wallet

Send cryptoUSDT & USDCAny wallet0% IOF

You can send your digital dollars from Ruvo to any external wallet. Here is how it works, what it costs, and what to check before you confirm.

Person confirming a crypto transfer on their phone

Send digital dollars to any wallet

Because a Ruvo wallet is non-custodial, your USDT and USDC are not locked inside one app. You can send them to any external wallet: a hardware wallet, an exchange, a partner, a family member, or your own second wallet. No approval queue, no "send only to your own account" restriction.

How to send, step by step

The flow takes under a minute:
  • Open your dollar balance and choose to send crypto.
  • Paste the destination wallet address and pick the correct network.
  • Enter the amount in USDT or USDC.
  • Review the address and network, then confirm. It settles on-chain in seconds.

What it costs

Sending to an external wallet costs 0.9% for individuals and 0.4% for businesses, with 0% IOF. Transfers between two Ruvo accounts are free. There is no IOF because you are moving digital dollars, not running a currency exchange. Compare that to a bank wire, which adds IOF plus fixed fees and takes days.

What to check before you confirm

On-chain transfers are final, so a quick check saves headaches:
  • Address: confirm the first and last characters, ideally by copy and paste, never typed by hand.
  • Network: the sending and receiving networks must match.
  • Asset: send USDT to a USDT address and USDC to a USDC address.
The same habits are covered in the wallet security guide.

When sending to a wallet makes sense

Sending straight to a wallet is useful when you want to move dollars to a hardware wallet for safekeeping, fund an exchange account, pay a supplier or partner who accepts stablecoins, or rebalance between your own wallets. If the goal is to get reais to someone in Brazil instead, that is a stablecoin remittance, which can land directly via Pix.

ERC-20, TRC-20 and choosing the right network

When sending USDT or USDC, the network matters as much as the address. Confirm the network your destination wallet uses before sending. ERC-20 (Ethereum) is the most widely accepted but carries higher gas fees at peak times. TRC-20 (Tron) is faster and cheaper and widely used for USDT transfers. Sending on the wrong network typically means the funds do not appear in the receiving wallet and recovery is not possible in most cases. Always check the deposit instructions on the receiving exchange or wallet app before confirming.

Crypto sends and Brazilian tax reporting

Brazilian taxpayers must report cryptocurrency holdings and transfers on their IRPF declaration and to the Receita Federal if disposals result in gains above R$35,000 in any month. Sending USDT from Ruvo to a personal wallet is generally a transfer, not a taxable disposal. If you are sending to a third party as payment for a service, that may be a taxable event. Consult a contador familiar with crypto before making regular high-value transfers.
FeatureCentralized exchangeRuvo wallet
Custody before sendingExchange holds your fundsYou hold your own funds
Fee structureFixed network/gas fee per send0.9% individual / 0.4% business
IOFVaries by operation0% IOF
Settlement speedMinutes to hours (withdrawal queue)Seconds, any time
Pix payout in BrazilNot availableYes — any Pix key
Account requiredExchange KYC accountBrazilian ID only

Frequently asked questions

About sending crypto from Ruvo.

Talk to support

  • Sending to an external wallet is 0.9% for individuals and 0.4% for businesses, with 0% IOF. Transfers between Ruvo accounts are free.

  • Stablecoin transfers settle on-chain in seconds, any time of day, with no business-hours or multi-day wait.

  • On-chain transfers are final, so always confirm the address and network before you send. Copy and paste the address rather than typing it.

  • Ruvo supports the most widely used stablecoin networks. Check the send screen to confirm which network your destination wallet accepts before you confirm.

  • Yes. Receiving digital dollars from any external wallet is free. Share your Ruvo wallet address and the sender transfers directly to it.

  • There is no minimum. Large sends may be subject to a compliance review depending on the amount and destination.

Sources

Keep reading

Crypto & stablecoins

Digital dollars, self-custody and crypto rails, made simple.

What is a non-custodial wallet

Who really holds your money, and why it matters.

Stablecoins for remittances

Move dollars across borders in seconds, not days.

Crypto wallet security

Simple habits to keep your dollar balance safe.

Ready to Ruvo?

Start using Ruvo today and take control of your money.

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Ruvo is a global technology platform. Financial services are provided by regulated third parties. Ruvo does not custody funds or perform regulated activities in Brazil.