ArticleBy Startups
Ruvo grows in Brazil to take on Wise and Revolut
“Ruvo started out serving software engineers, an audience Alec considers one of the best segments to build a product for.”
Continue readingGlobal Workers
Built for people who work for companies abroad and get paid in dollars
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.
New YorkRio de JaneiroLos Angeles
Receive dollars from abroadConvert reais to dollars instantlyReceiving dollars is freeCard with 0% IOFYour balance earns dailyFree between Ruvo accountsApple Pay and Google Pay
Paid through Deel, Rippling, Upwork or Fiverr?
Connect 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.
DeelRipplingUpworkFiverr
Use cases
How to use Ruvo?
Get paid in dollars, keep it earning yield and cash out via Pix instantly, with no IOF and a much better rate.
International payments in
Get paid in dollars by companies in any country, into an account in your own name, no company required.
Learn more
Cash out via Pix
Convert to reais and it lands in your account via Pix, whenever you want to convert.
Learn more
9:41
Earnings
Earning balance$3,500.00+$0.41 today
Yearly earnings4.3% APY$150.50/year
Total earnings+$12.48
Sep 25Oct 14
You could earn$64.50/yearDeposit ›$1,500.00 idle balance at 4.3%
DepositWithdraw
Earnings in dollars
Idle dollar balance earns up to 4.3% a year, in a self-custodial account.
Learn more
Global card
Spend in dollars around the world, with no IOF, from an AI tool to a trip of your own.
Learn more
9:41
Add via Pix
This is an estimate. Your final quote and exchange rate will be confirmed on the next screen.
BRL1.000,00
You'll receive (USDC)
≈ 196.41 USDC
Real-time rate1 USDC = 5.0660 BRL
Your rate (after fees)Includes 0.5% fee1 USDC = 5.0915 BRL
IOF0%
Estimated arrival< 1 minute
Continue with Pix
Currency hedge
Keep your money in dollars and decide when to convert to reais, with no forced conversion.
Pricing
What it really costs
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.
No markupsNo IOF
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!
Customers
People who already get paid through Ruvo, in their own words
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.
Frequently asked questions
Contractor and/or Freelancer: receive in dollars and spend with a card.
How do I receive from international clients?
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 questionsWhich platforms can I receive from?
From 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 questionsDo I need to convert everything to reais?
No. 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 questionsCan I pay Brazilian suppliers by Pix from my dollar balance?
Yes. 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 questionsDo I need to declare foreign income to Receita Federal?
Yes. 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 questionsReady to Ruvo?
Start using Ruvo today and take control of your money.
Scan to get Ruvo
