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Ruvo

A global dollar account for Brazilians

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Ruvo is a multi-currency account that lets users receive USD, convert between BRL, USD, digital dollars and crypto, and spend worldwide with a Visa card. It is operated by Cacao Financial Holdings Limited (Cayman Islands) and its subsidiary Ruvo Financial Inc. (Delaware, USA), with no legal entity or banking operation in Brazil; services for Brazilian users are provided through licensed partners.

The platform provides US account details for receiving dollars, instant conversion between currencies, transfers to Pix keys, US accounts and crypto wallets, and a Visa card usable anywhere Visa is accepted, with Apple Pay and Google Pay support. It offers personal, business and card accounts, a transfer calculator, and a non-custodial wallet. Pricing is transparent, with conversion fees ranging from 0.3% to 1% depending on route and account type, and free USD-to-digital-dollar conversion.

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