Do I need to understand crypto to use Ruvo?

No. Ruvo uses stablecoins (digital dollars) under the hood, but the experience is a normal app: receive, hold and send dollars, with 0% IOF.

What are USDT and USDC?

They are stablecoins, digital dollars designed to be worth one US dollar each and backed by reserves. Ruvo holds your dollar balance in them.

Is my balance custodial?

No. Your dollars sit in a non-custodial wallet you control, with built-in recovery so you keep self-custody without managing a seed phrase.

How do I receive dollars in my Ruvo wallet?

Share your Ruvo wallet address and the sender transfers USDT or USDC directly to it. The balance arrives in seconds with no IOF charged to you.

Can I convert digital dollars to reais?

Yes. You can convert your dollar balance to reais and pay out via Pix to any Pix key in Brazil, any time of day.

What is the difference between USDT and USDC?

Both are stablecoins pegged to one US dollar, but issued by different companies — USDT by Tether and USDC by Circle. Ruvo holds your balance in both for flexibility.

Crypto & stablecoins

Crypto and stablecoins, explained for Brazilians

StablecoinsUSDT & USDCSelf-custody0% IOF

Digital dollars (USDT and USDC) let you receive, hold and send money anywhere in seconds, with 0% IOF. Here is how stablecoins, self-custody and crypto rails work at Ruvo.

Person managing a digital dollar wallet on their phone

Why Brazilians are switching to digital dollars

USDT and USDC let you hold, receive, and send dollars without a US bank account. Unlike a regular dollar account, a non-custodial wallet means your balance is yours alone — no institution can freeze it or apply exchange controls. The shift is simple: instead of converting dollars to reais at the point of payment, you keep dollars until you need them and convert on your schedule.

Stablecoins for sending money internationally

The main use case is moving dollars across borders cheaply and fast. A stablecoin remittance settles in seconds on a public network, with 0% IOF, at a fraction of what a SWIFT wire costs. You can send to any external wallet — or convert straight to reais and pay out via Pix — without waiting for business hours or correspondent banks.

Your wallet, your control

A secure wallet does not require you to understand blockchain. Ruvo holds your balance as USDT and USDC in a wallet you control, with built-in recovery so you never have to manage a seed phrase. The result is the safety of self-custody with the simplicity of a normal app — and the ability to send to any wallet in the stablecoin ecosystem.

How IOF applies — and why stablecoins are different

Traditional cross-border transfers trigger IOF: 1.1% on global-account conversions, 0.38% on certain wire operations, and 3.5% on international card purchases. Stablecoin transfers on a public network are not a foreign-exchange operation under current Brazilian rules (Lei 14.478/2022), so they carry 0% IOF. You move digital dollars directly, not through a conversion event.

USDT and USDC: what backs them

USDT (Tether) and USDC (Circle) are the two largest stablecoins by market cap, each designed to hold a one-to-one peg with the US dollar. Both issuers hold dollar reserves and publish regular attestation reports. Ruvo holds your balance in both, giving you flexibility across the stablecoin ecosystem. You can send and receive from any wallet or exchange that supports them.

Getting started with a stablecoin balance

Opening a Ruvo account takes minutes and requires a Brazilian CPF (or CNPJ for businesses). You can fund your balance by converting reais via Pix, receiving a wire or ACH from abroad, or receiving digital dollars from any external wallet — all free to receive. From there, you hold, send to any wallet, convert back to reais via Pix, or spend on the card.

Receive USD from abroad

Onramp BRL → USDT

Free USD deposits

Spend with your Ruvo card

Earn yield daily

Free crypto transfers

Digital wallet

What is a non-custodial wallet

Who really holds your money, and why it matters.

Send to a crypto wallet

Send digital dollars to any external wallet, step by step.

Stablecoins for remittances

Move dollars across borders in seconds, not days.

Crypto wallet security

Simple habits to keep your dollar balance safe.

What customers love about Ruvo

Hear how Ruvo transforms financial journeys

“

Saves money. The smartest option for CNPJs.

David Kang

Software Engineer, Turn.io

“

Ruvo simplifies our entire international financial workflow.

Joao Alvarenga

CEO, Antonnia AI

“

The best option for earning in USD.

Bruno Pazinato

Staff Engineer, Salsa

Frequently asked questions

Common questions about crypto and stablecoins at Ruvo.

Talk to support

No. Ruvo uses stablecoins (digital dollars) under the hood, but the experience is a normal app: receive, hold and send dollars, with 0% IOF.
They are stablecoins, digital dollars designed to be worth one US dollar each and backed by reserves. Ruvo holds your dollar balance in them.
No. Your dollars sit in a non-custodial wallet you control, with built-in recovery so you keep self-custody without managing a seed phrase.
Share your Ruvo wallet address and the sender transfers USDT or USDC directly to it. The balance arrives in seconds with no IOF charged to you.
Yes. You can convert your dollar balance to reais and pay out via Pix to any Pix key in Brazil, any time of day.
Both are stablecoins pegged to one US dollar, but issued by different companies — USDT by Tether and USDC by Circle. Ruvo holds your balance in both for flexibility.

Sources

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