Global account for Brazilians to receive USD, convert between BRL, USD, digital dollars, and crypto, and spend worldwide with 0% IOF.
Ruvo provides Brazilians with a global account that enables receiving USD from abroad, converting between BRL, USD, USDT, and crypto at real market rates with transparent fees of 0.3–1% (USD to digital dollars is free), and spending worldwide via a Visa card with 0% IOF. The platform supports personal (CPF) and business (CNPJ) accounts, instant Pix settlement, and transfers to US bank accounts and crypto wallets settling in minutes. Formerly known as Cacao. Ruvo is a product of Ruvo.