Ruvo Card Spesa con carta
A plan byRuvo Card · Visa
Ruvo is a "global dollar account" built for the Brazil-United States corridor: it connects Pix, stablecoins (USDT) and Visa in a single mobile app. Users can receive USD from abroad, convert between BRL and USD, send money to the U.S., and spend worldwide with a Visa card that works with Apple Pay and Google Pay. The wallet is non-custodial (users keep control of their private keys) and is built on programmable smart wallets via Crossmint infrastructure, with on-chain settlement on Polygon. Card issuance is free, the FX markup on non-USD transactions is 1%, and there is no cashback. Identity verification (KYC) is required. Ruvo serves both personal and business users in Brazil and the United States. The annual fee, ATM fees and ATM limits are not publicly disclosed. The company is Ruvo Financial Inc., backed by Y Combinator; its founding year is not publicly documented.
Spesa con carta
- Fee
- 1%
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 1% |
| Cashback | Not disclosed |
| Chains | Polygon |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US, LATAM · 2+ 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. |
| Estimated net annual cost | €0/year |
| Segment | B2C, B2B |
| Funding / solidity | Ruvo Financial Inc. (formerly Cacao), founded in 2025 by Alec Howard and Michael Mason, headquartered in São Paulo, Brazil. It is backed by Y Combinator and raised a $4.6M seed round led by 1confirmation. |
| MiCA / License status | 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 |
Strengths
- Non-custodial wallet: users control private keys, with on-chain settlement on Polygon
- Free issuance and a Visa card that works with Apple Pay and Google Pay
- Built for the Brazil-US corridor: Pix, USD and USDT in one app, IOF-exempt transactions
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Available only in Brazil and the United States, with mandatory KYC
- No cashback and a 1% FX markup on non-USD transactions
- Annual fee, ATM fees and limits are not publicly disclosed
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Weak regulatory protection: Ruvo states it does not custody funds or carry out regulated activities in Brazil, runs a non-custodial model, and relies on infrastructure partners (Crossmint). It does not appear to hold a specific e-money or payments licence, so formal consumer protections are limited.
Good technical sovereignty: the wallet is non-custodial and users keep control of their private keys, with on-chain settlement on Polygon. However, mandatory KYC and reliance on Visa and infrastructure partners reduce overall autonomy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Ruvo Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
App Store ↗
4.8/5
37 reviews
Exact figure from the public iTunes API (Brazilian storefront, the corridor's main market, id 6748152521): 4.78378 across 37 ratings; on the US storefront 4.84615 across 26. A very small sample either way: no inference is possible. The seller of record is CACAO FINANCIAL INTERMEDIATE HOLDINGS LLC (the service was called Cacao before rebranding to Ruvo). The score is for the account app, not for the Visa card.
-
Google Play ↗
4.5/5
14 reviews
JSON-LD structured data from the Play listing (4.461538 across 14), Brazilian storefront, developer Cacaofi, package com.cacaofi.prod. At 14 ratings the number is exact but statistically meaningless, and it sits just above the threshold of 10 below which a platform is excluded from the weighted average.
Weighted average across 2 public review platforms (51 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is the Ruvo Card custodial or self-custody?
Ruvo uses a non-custodial model: users keep control of their wallet's private keys, built on programmable smart wallets with on-chain settlement on Polygon.
Where is the Ruvo Card available and how much does it cost?
Ruvo serves personal and business users in Brazil and the United States. Issuance is free, there is no cashback, and the FX markup on non-USD transactions is 1%. The annual fee and ATM data are not publicly disclosed.
Sources
- Official service page Custodial · Payment network · Azienda · Regioni · +2 Data verified on Jul 12, 2026
- blog.crossmint.com Supported currencies · Paesi num · Segmento · Italia disponibile Data verified on Jun 23, 2026
- ycombinator.com Azienda info · Azienda info en · Plans & pricing · Supported currencies · +3 Data verified on Jun 23, 2026
- crossmint.com Azienda · Regioni · On-chain settlement · Blockchain Data verified on Jun 22, 2026
Show 1 more source
- todey.xyz Payment network · Card issuance fee · FX markup · Cashback · +5 Data verified on Jun 22, 2026