Your work has no borders, and neither should your money. Get paid in dollars by any company in the world, keep it earning yield and convert to reais via Pix, with no IOF and a better rate.
It was in this market that the fintech Ruvo found one of its first, most engaged audiences: professionals paid by international companies. “The strategy now is to connect this audience with the companies that hire them, expanding Ruvo's reach into the corporate segment,” says Alec Howard, co-founder and CEO of Ruvo.
Continue readingConnect your Ruvo account as a payout method in 2 minutes and get paid straight here. Not through a platform? See how to receive from abroad.
Get paid in dollars, keep it earning yield and cash out via Pix instantly, with no IOF and a much better rate.
Get paid in dollars by companies in any country, into an account in your own name, no company required.
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Convert to reais and it lands in your account via Pix, whenever you want to convert.
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Idle dollar balance earns up to 4.3% a year, in a self-custodial account.
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Spend in dollars around the world, with no IOF, from an AI tool to a trip of your own.
Learn moreThis is an estimate. Your final quote and exchange rate will be confirmed on the next screen.
Keep your money in dollars and decide when to convert to reais, with no forced conversion.
Fees from 0.5% as an individual and 0.3% as a company. No hidden markup.
Send and receive in reais or dollars and move your money around the world from a single balance.
See what you pay — and why
Keeping your money as digital dollars in your Ruvo balance costs 0.5%, and from there you can already spend on the card, send via Pix, or convert to reais whenever you want!
From people who work for companies abroad and use Ruvo every month.
I've tried several digital wallets, and in many the onboarding is slow and bureaucratic. Ruvo was different: I finished signing up in far less time than I was used to.
The fee wasn't what weighed most in my decision. What caught my attention was having a complete experience in the app, simple and practical.
When I have a question or a problem, I can talk to a person and get real help. That kind of close support makes a difference, especially when we're talking about money.
Contractor and/or Freelancer: receive in dollars and spend with a card.
You share the details of a dollar account (ACH) with the client or platform and receive directly in USD, without the bank’s expensive FX.
See more questionsFrom marketplaces like Upwork and Fiverr, payroll platforms like Deel and Rippling, and direct clients, just share your dollar-account (ACH) details. Receiving is free.
See more questionsNo. You hold the dollar balance and convert only what you need (0.9% for individuals and 0.3% for businesses, 0% IOF), spending the rest directly on the card.
See more questionsYes. Ruvo lets you send a Pix payment funded from your dollar balance — the conversion happens at the time of the Pix, and the recipient receives reais instantly. This removes the extra step of converting to reais first and then paying. It is useful for paying local contractors and/or freelancers or rent from the same balance where your dollar income sits.
See more questionsYes. Foreign income received by an individual (PF) must be reported monthly via carnê-leão, using the PTAX exchange rate on the payment date. It is also included in your annual IRPF declaration under "rendimentos recebidos do exterior." Failing to declare can result in malha fina penalties. If you receive as PJ, income is declared under your company's tax regime instead. Ruvo does not withhold taxes: declaring them is your responsibility. Transactions are reported to the authorities of the countries where they take place.
See more questionsStart using Ruvo today and take control of your money.
