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Send and receive money — instantly

Move USD, BRL, or USDT between Brazil and the world, send or receive through Pix, U.S. accounts, or crypto wallets with no IOF and rates from 0.4%.

How transfers work with Ruvo

Move money between Brazil and the world in seconds - send, receive, and convert with real time rates and no IOF.

Receive

Global Payments: USD/Crypto to USDT

Get paid globally without waiting days or losing money to hidden FX fees

Deposit

Fund Your Balance: BRL or USD

Top up your Ruvo balance instantly using Pix or bank transfer from your Brazilian bank. Enjoy high limits and a seamless, friction-free experience.

Convert

Transparent & Low-Cost Conversion

Transparent rates starting from 0.4% — what you see is what you get

Send

Send Instantly: No IOF/Fees

Move money globally in seconds — from Brazil to the world, all from one balance.

Your money stays in your hands

Non-custodial by design.
Built for trust.

When you deposit or receive funds, they're stored securely in your own non-custodial wallet — meaning only you control your assets. Ruvo simply connects your wallet to BRL, USD, and crypto rails so you can move money globally, instantly, and safely.

You control your funds

Ruvo never takes custody of your assets

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Transparent by design

See and track your balance at all times.

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Secure and fast

Built on trusted rails with enterprise-grade protection.

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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

The global account made for Brazilians.

For professionals, businesses and CNPJs

Move money as fast as you work.

For individuals, freelancers, and travelers

Travel smart.
Spend without borders.

Transfers FAQs

Common questions about sending and receiving money with Ruvo

Ruvo supports USD, USDT, and BRL transfers. You can receive USD, send and receive USDT, convert to BRL, and move funds via Pix or U.S. bank transfers.
Ruvo provides U.S. checking account details in your name or your business’s name. You can share these details to receive USD from employers, clients, payroll platforms, or other banks.
Yes. You can send USD from Ruvo to any U.S. bank account via ACH or wire directly from the app.
Yes. You can add BRL via Pix and convert it to USDT, or convert USD or USDT to BRL and withdraw via Pix at any time, 24/7.
Pix transfers and currency conversions typically complete within minutes. Stablecoin transfers usually take a few minutes, while ACH and wire delivery times depend on the sending or receiving bank.
Yes. Ruvo supports sending and receiving USDT on Polygon, allowing you to move funds to and from crypto platforms and wallets.
Crypto <> Crypto transfers are free. Fees apply when converting or transferring USD or BRL, with rates shown transparently in the app before you confirm any transaction.
Yes. Transfer limits start at 10,000 USD per transaction, and increase depending on your account type and verification level. Current limits are clearly displayed in the app and can increase with additional verification.

Ready to Ruvo?

Wherever life takes you, one wallet's enough.

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© 2025 Ruvo Financial Inc. All rights reserved. Made in Brazil.
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.