Comparison
Husky vs Wise
Husky and Wise solve different problems. Understand both models, and where a dollar account you control fits.
Different models
Husky is a receive-and-convert service: every incoming dollar is converted to reais on arrival, over SWIFT. It was acquired by Nomad and is being integrated. Wise is a global transfer platform built for moving money across many currencies.
What each costs
Husky typically charges 1% to 2% on a standard conversion (lower rates tend to be promotional or for specific clients). Wise applies 3.5% IOF plus its fee, commonly 4.5% or more all-in for BRL to USD.
The difference of a dollar account you control
With Ruvo, you keep the dollars instead of converting everything on arrival:
- 0% IOF on every operation.
- Receiving dollars is free; converting to reais is 0.5% when you choose.
- Hold the balance in digital dollars (USDT/USDC).
- Instant Pix and an international card with 0% IOF, which Husky does not offer.
A note on fees
Third-party fees and products change, especially with the Husky and Nomad integration underway. Data is from mid-2026; confirm on official channels before deciding.
Ruvo vs Husky vs Wise
| Criteria | Ruvo | Husky | Wise |
|---|---|---|---|
| Model | A dollar account you control | Receive-and-convert (SWIFT) | Global transfers |
| IOF | 0% | Applied on conversion | 3.5% |
| Conversion cost | Free receive, 0.5% convert | ~1%–2% (standard) | 3.5% IOF + fee (~4.5%+) |
| International card | 0% IOF, 0% spread | None | Yes (0% spread) |
| Settlement | Instant (Pix) | Over SWIFT | Hours to 1 business day |
Husky receives dollars and converts them to reais on arrival over SWIFT. Wise is a global transfer platform across many currencies. Neither lets you hold and spend dollars the way a dollar account does.
Husky (around 1% to 2%) is usually cheaper than Wise (3.5% IOF plus fee) for a BRL conversion. Ruvo is lower still: free to receive, 0.5% to convert, 0% IOF.
Husky converts on arrival; Wise offers a USD balance but charges IOF when funded in reais. Ruvo lets you hold digital dollars freely and spend them on a card.
