Receive money locally,
internationally, or via crypto into your Ruvo wallet
internationally, or via crypto into your Ruvo wallet
How Brazilians receive money from abroad
When you deposit or receive funds, they're stored securely in your own non-custodial wallet — meaning only you control your assets. Ruvo simply connects your wallet to BRL, USD, and crypto rails so you can move money globally, instantly, and safely.
Payrolls
Get your international salary paid straight to you in dollars.
Receive from family and friends
Receive transfers from anyone abroad.
Receive payments from clients
Get paid by global clients via Pix, ACH, or crypto.
Ways to receive
Instant transfer via Pix
Send to Ruvo via Pix from your registered bank account in Brazil
Crypto wallet address
We make it easy to access your wallet info and send money to Ruvo from a crypto wallet
ACH or Wire transfer
Send funds to Ruvo through an ACH or Wire transfer from an American account
Ruvo gives you flexibility and control over your funds
Once funds are received, Ruvo allows complete flexibility, enabling you to send to any Pix or US account, as well as keep in Ruvo and spend on our Visa card.
Ruvo enables you to send USDT to any Pix instantly
Ruvo enables you to send USDT to any Pix instantly
Spend USDT with Ruvo card anywhere Visa is accepted
Fund your balance, load your card, and spend worldwide — all from your Ruvo wallet
Top up
Add BRL, USD, or crypto to your Ruvo wallet - instantly converted to USDT behind the scenes
Activate
Choose how much of your wallet balance you want available on your Ruvo Card.
Spend
Use your Ruvo Visa anywhere with Apple Pay and Google Pay, with no FX markup on dollar spend or IOF.
To receive dollars in Brazil, you need to use an account or platform that accepts international payments in foreign currency. Depending on the solution, the amount may be received in dollars or converted to reais.
Yes, in some cases you can keep the amount in dollars before conversion. This depends on the structure of the account you use and can offer more flexibility about when to convert.
The exchange rate is the rate used to convert dollars into reais. In addition to the market rate, the institution may apply an exchange spread, which affects the final amount received.
Receiving may include transfer fees, exchange spread, operational costs, and applicable taxes, depending on the operation and institution used.
Whether IOF applies depends on the type of operation. In some cases there may be specific rates or even exemption, depending on the nature of the transfer.
The best way depends on the amount you receive, the currency, and whether you need to convert. When comparing options, consider total cost, the exchange rate applied, and the final net amount.
Open a personal or business account
Everything you need to send, receive, and manage money globally. No hassle, and none of the abusive fees of traditional banks.
