Ruvo Card vs Fiat24
In our editorial rating Fiat24 leads (4.0 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Ruvo Card and Fiat24.
| Ruvo Card | Fiat24 | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.0 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| ATM withdrawal | not declared | not declared |
| FX markup | 1% | 1% |
| Cashback | Not disclosed | Not disclosed |
| Chains | Polygon | Arbitrum |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 4/10 |
| Supported countries | US, LATAM · 2+ countries | EEA · 30+ countries |
| Funding / solidity | Ruvo Financial Inc. (precedentemente Cacao), fondata nel 2025 da Alec Howard e Michael Mason, con sede a São Paulo (Brasile). È supportata da Y Combinator e ha raccolto un seed da 4,6 milioni di dollari guidato da 1confirmation. | Fintech svizzero (SR Saphirstein AG), una delle poche licenze FINMA Art. 1b ottenuta nel 2021; protocollo bancario on-chain su Arbitrum. |
| Segment | B2C, B2B | B2C |
| Free ATM limit | — | €10,000 (Standard tier) |
| Recovery model | — | Account come NFT ERC-721 nel wallet dell'utente |
| Regulator | — | FINMA (Svizzera) |
| Regions | US, LATAM | EU/EEA |
| Licences & safety | Ruvo dichiara di non custodire fondi né svolgere attività regolamentate in Brasile; i wallet sono non-custodial e i movimenti passano per partner di infrastruttura | Licenza fintech FINMA (Art. 1b Legge bancaria svizzera) |
Frequently asked questions
Ruvo Card vs Fiat24: which is better?
In our editorial rating Fiat24 leads (4.0 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Ruvo Card and Fiat24.
Which is cheaper, Ruvo Card or Fiat24?
On the standard spending profile Ruvo Card has the lowest net annual cost: €0 versus €0 for Fiat24.
Is Ruvo Card custodial or self-custody?
Ruvo Card is self-custody: you keep the keys, while Fiat24 is self-custody.