Ruvo is a fintech platform that lets Brazilians receive, hold, spend, withdraw, and send USD, with seamless conversion to BRL via Pix—protecting income from hidden fees, delays, and BRL depreciation. You money can be moved via Pix, ACH/Wire, and crypto transfers

Citizens of Brazil and the United States can sign up directly in the Ruvo app for personal or business accounts. If you hold another nationality, please contact us and our team will help you get started

Yes. Stablecoins are regulated in Brazil under Resolution 175/2024. Ruvo operates compliantly in partnership with licensed financial institutions and provides a non-custodial wallet and technology layer

Download the app, verify your identity, and access your non-custodial USDT wallet, connected to Pix and ACH/wire, with the ability to spend your crypto using a Visa card

For personal accounts, you’ll need a valid U.S. or Brazilian ID (RG, CNH, passport, or RNE), your CPF, a selfie, and proof of address; for business accounts, you’ll also need to provide your company’s articles of incorporation and CNPJ

Personal accounts are typically verified within minutes unless a manual review is required, while business accounts are usually verified within 1–3 business days

No. If you can use a banking app, you can use Ruvo

Yes. Ruvo is available on both iOS and Android

No. There’s no cost to open or maintain a Ruvo account

Yes. Ruvo supports English and Portuguese and automatically uses your device language. Changing your device language will update the app language accordingly

Ruvo provides you with U.S. checking account details in your name. You can share the account and routing details with your payroll platform or use them to transfer funds from another US bank account. Once USD is received, the funds are automatically made available in your Ruvo wallet as USDT

Yes. Ruvo provides you with U.S. checking account details in the app through our banking partner, Cross River Bank. Simply share these details with platforms like Deel, Upwork, Payoneer, or others to receive USD payments

Ruvo supports USDT today, with plans to add USDC

Yes. You can send BRL via Pix and it will be automatically converted to USDT. The Pix transfer must originate from the same CPF or CNPJ used to register your Ruvo account

Yes. You can send funds to any U.S. bank account via ACH or wire through the Ruvo app after funding your balance with BRL, USD, or USDT

In the Ruvo app, tap Send, choose the Pix destination, and convert your USD or USDT to BRL at the commercial exchange rate

ACH and wire deposits are credited instantly once funds are received in your Ruvo-issued checking account, though delivery time depends on the sending bank. Stablecoin deposits typically take a few minutes, and USDT↔BRL conversions are completed within minutes

Crypto-to-crypto USDT transfers are free. Fees apply when receiving BRL or USD, or when converting USDT to USD or BRL, starting at 0.2% for Business accounts and 0.9% for Personal accounts. Full rate details are available in the app

Invoice generation in USD and BRL is coming soon. In the meantime, you can download your full transaction history directly from the app. If you need a custom report, just let us know

No, we are currently only accepting Wire and ACH payments from the USA.

Yes. BRL↔USDT limits start at USD 10,000 per transaction and USD 50,000 per day (Personal), and USD 30,000 per transaction and USD 100,000 per day (Business). Limits can be increased with enhanced verification. USD↔USDT transfers have no set maximums, though large amounts may require source-of-funds documentation

Yes. Ruvo supports USDT transfers on the Polygon network. Fees do not apply to these transfers

The transfer may be rejected or returned. Contact support if you need assistance

Yes. Ruvo provides a Visa Platinum debit card for everyday spending. There are no fees on USD transactions and a 1% fee on non-USD spend.

Yes.

Spend in U.S. dollars is free. Card purchases in other currencies incur a 1% fee plus the applicable foreign exchange rate

The Ruvo card is accepted anywhere Visa is accepted, including through Apple Pay and Google Pay

You fund the card by sending funds from your Ruvo wallet to your card balance before spending

Yes. You can transfer your card balance back to your Ruvo wallet at any time, so you’re never stuck with a leftover balance like with prepaid cards

Yes, transactions are visible instantly in the app.

Yes. You can freeze or unfreeze your card at any time in the app

Your available card balance determines your spending limit, and limits can be adjusted in the app

Ruvo currently supports Apple Pay and Google Pay. Physical cards are available upon request. Contact us for details

No. IOF does not apply because the card is denominated in U.S. dollars.

Yes. You can convert USD or USDT to BRL and withdraw via Pix

Pix withdrawals typically complete within 1–5 minutes

Withdrawal fees start at 0.2% for Business accounts and 0.9% for Personal accounts. Current rates are available in the app

Yes. The minimum withdrawal amount is 10 USDT, as shown in the app

Yes. Withdrawal limits start at USD 10,000 per transaction and USD 50,000 per day for Personal accounts, and USD 30,000 per transaction and USD 100,000 per day for Business accounts. Limits can be increased with enhanced verification and are shown in the app

Yes. You can withdraw to any person’s Pix key, including CPF, phone number, email, or a random Pix key. The Pix key does not need to be in your own name

Yes. You’ll receive an in-app notification once the Pix transfer is completed

If a Pix withdrawal fails, the funds are automatically returned to your Ruvo wallet. Contact support if you need assistance

Not yet. Pix withdrawals must currently be initiated manually, but scheduled withdrawals are in development

Yes. Pix withdrawals are available 24/7

Yes. Ruvo complies with Brazil’s General Data Protection Law (LGPD)

Identity verification is performed by Ruvo’s licensed banking and compliance partners

Yes. Ruvo works with licensed banking partners and provides you a non-custodial wallet, so you retain full control over your funds and private keys

Account and passkey recovery is available through secure email verification and identity checks

Yes. AML screening is conducted by Ruvo’s regulated banking and compliance partners

No. Your Ruvo wallet is non-custodial, meaning only you control your funds and private keys

Access to your data is limited to regulated service providers and only for compliance, security, and operational purposes

Yes. You can request account deletion by contacting Ruvo support

You can request a copy of your personal data by contacting Ruvo support

Yes. Ruvo and its regulated partners use industry-standard security measures, including encryption, to protect transaction data

Brazil’s Central Bank has established a regulatory framework that recognizes stablecoin payments and sets compliance requirements for their use in Brazil.

Yes. Under current Brazilian Central Bank regulations, USD-backed stablecoins are recognized as permitted payment instruments when used in compliance with applicable rules.

Ruvo operates through regulated banking and payment partners that comply with Brazilian Central Bank requirements for stablecoin-related activity.

Yes. AML checks, including identity verification and transaction monitoring, are performed by Ruvo’s regulated banking and compliance partners.

Yes. Users are responsible for reporting income, gains, and transactions in accordance with Brazilian tax laws.

Yes. You can export your transaction history as a CSV directly from the app.

Yes. PEP screening is conducted during identity verification when required by regulation.

Business accounts are supported through KYB onboarding. Availability may vary based on account type and jurisdiction.

Yes. Ruvo complies with Brazil’s LGPD, including rights to data access, correction, and deletion.

Ruvo and its regulated partners comply with applicable reporting obligations under Brazilian law.

You can contact Ruvo support via WhatsApp chat or by emailing ajuda@ruvo.com

Ruvo support is available in Portuguese and English

Support is currently available during standard business hours, with plans to expand to 24/7 coverage

Support typically responds within a few hours during business hours.

Yes. You can track updates via email or directly in the app

Mark your request as urgent and include a clear description of the issue so it can be prioritized

Yes. Please contact support with your account and transaction details for assistance

A public help center is currently under development and will be launched soon

At this time, support is available via chat and email only

You can share feedback by emailing ajuda@ruvo.com