Ruvo is a global financial account for receiving, holding, and moving money between USD and BRL. It connects Pix, crypto, and Visa into a single wallet, enabling users to receive USD from abroad, convert instantly between USD and BRL, send money to the U.S., spend globally, and save in digital dollars with yield. Supporting both personal (CPF) and business (CNPJ) accounts, Ruvo offers IOF-free transactions, market-leading FX rates, direct Pix settlement, and a non-custodial crypto wallet for seamless USDT transfers.