# Ruvo

> Ruvo is a global dollar account for Brazilians and foreigners living or doing
> business in Brazil. Receive US dollars, hold balances in USD or digital dollars,
> convert to and from BRL instantly via Pix, send money to the U.S. (ACH/wire),
> and spend worldwide with a Visa card — all with 0% IOF and no hidden FX spread.
> Settlement is instant and the account is non-custodial (you control the funds),
> powered by regulated partners.

## Why Ruvo (key facts)
- 0% IOF on every operation, in both directions — most Brazilian alternatives charge 1.1%–3.5% IOF.
- Convert BRL to digital dollars for 0.5% (individuals) or 0.3% (businesses) — flat, with no loyalty tiers or minimum balance.
- Receiving US dollars is free; holding dollars is free.
- Ruvo-to-Ruvo and crypto-to-crypto transfers are free.
- Spend abroad with 0% IOF and 0% spread on USD purchases with the Ruvo Visa card.
- Earn yield of up to ~6% a year on your dollar balance.
- Instant settlement via Pix; no SWIFT delays for BRL conversion.
- Non-custodial: your dollars sit in a wallet you control, not held by Ruvo — powered by regulated partners.

## Product
- [Personal account](https://ruvo.com/personal): Global dollar account for individuals — receive USD, hold balances, convert via Pix, spend worldwide with 0% IOF.
- [Business account](https://ruvo.com/business): Receive and manage USD for companies and contractors in Brazil at a 0.3% conversion fee, 0% IOF.
- [Cards](https://ruvo.com/cards): International Visa card to spend USD abroad with 0% IOF and 0% spread on dollar purchases.
- [Transfers](https://ruvo.com/transfers): Send and receive money across borders with sub-2% fees and 0% IOF, settling instantly.
- [Yield](https://ruvo.com/yield): Earn up to ~6% a year on dollar balances.
- [Pricing](https://ruvo.com/pricing): Transparent pricing — 0.5% (PF) / 0.3% (PJ) conversion, 0% IOF, no hidden spreads.
- [Calculator](https://ruvo.com/calculator): Estimate exactly what you receive on a conversion.

## Resources
- [Resources hub](https://ruvo.com/resources): Guides on receiving USD, taxes, cards, crypto and account comparisons for Brazil.
- [Contractors & businesses](https://ruvo.com/resources/contractors-and-businesses): How freelancers and companies receive USD in Brazil (PF vs PJ, taxes, lower fees).
- [USD account & IOF](https://ruvo.com/resources/usd-account-brazil): How USD accounts, IOF, SWIFT/ACH and FX spreads work.
- [How much IOF you pay](https://ruvo.com/resources/how-much-iof): IOF rates by operation and how to avoid them legally with digital dollars.
- [Send & receive](https://ruvo.com/resources/send-and-receive): Receiving dollars in Brazil, Pix as a foreigner, paying US expenses.
- [Dollar card](https://ruvo.com/resources/dollar-card): Spending USD with an international card, fees, travel.
- [Crypto & stablecoins](https://ruvo.com/resources/crypto): Non-custodial wallets, stablecoin remittances, wallet security.
- [Account comparisons](https://ruvo.com/resources/account-comparisons): Ruvo vs Wise, Nomad, Husky and others, with real fee math.
- [Nomad vs Ruvo](https://ruvo.com/resources/account-comparisons/nomad-vs-ruvo): Who controls your dollars, and who charges IOF.
- [Wise vs Ruvo](https://ruvo.com/resources/account-comparisons/wise-vs-ruvo): IOF and FX fees compared for moving dollars to and from Brazil.
- [Is Nomad Pass worth it?](https://ruvo.com/resources/nomad-pass-worth-it): The real cost of each Nomad Pass tier vs Ruvo — IOF alone beats every tier.
- [Ruvo vs Nomad for travel](https://ruvo.com/resources/ruvo-vs-nomad-for-travel): Which card costs less on a trip abroad — IOF, FX and card spend.

## Company
- [About Ruvo](https://ruvo.com/about-us): Mission, team and how Ruvo works.