Available regions
Applications or normal card activation are supported
BrazilBRUnited StatesUS
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
R
Ruvo Card
Updated: Sep 21, 2026
Ruvo Card is a Visa payment card linked to Ruvo's global USD account and is primarily intended for individuals and businesses receiving payments between Brazil and the United States, holding USD or stablecoins and spending globally. The card uses a balance-secured credit model. Users transfer funds from their Ruvo wallet to the card balance, which establishes the available spending limit. The card can be used for online shopping, subscriptions, travel and offline payments and supports Apple Pay, Google Pay and physical cards on request.
- Card network
- Product type
- Stablecoin payment card
- Card form
- Virtual + physical card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDT- Last updated
- Sep 21, 2026
Official and company information
Issuer identity and company credentials
Ruvo is a stablecoin fintech platform serving fund flows between Brazil and the United States, supporting receipt and transfer of dollars via ACH, Wire, RTP, Pix, and crypto assets, offering non-custodial stablecoin wallets, USD/BRL exchange, corporate accounts, yield entry points, and Visa virtual and physical cards. Ruvo is responsible for the unified product interface and transaction initiation, while wallets, fiat channels, KYC, and card issuance are handled by partners such as Crossmint, BlindPay, Persona, Rain, and Third National.
- Company / issuer
- Ruvo (Cacao)
- Legal name
- Cacao Financial Holdings Limited
- Registered region
- Cayman Islands (KY)
- Headquarters
- United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Ruvo integrates a self-custodial stablecoin wallet, USD payment capabilities, Pix, and payment cards into a unified global account system, primarily serving users who manage funds between Brazil and the United States. Users hold their digital dollars in a non-custodial wallet under their own control; when they wish to make a purchase, they manually transfer a specific amount to their "Card Balance," which determines the card's spending limit, while unused funds can be moved back to the wallet. Consequently, the system does not simply hold all account funds on a standard prepaid card, nor does it sell external wallet assets in real-time upon swiping; instead, it employs a two-tier structure: "self-custodial wallet balance — card collateral balance — payment settlement." Card issuance and regulated financial services are provided by third-party institutions, while Ruvo focuses on integrating the account and transaction experience.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
R Ruvo Card | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | Free No monthly account fee |
| Card issuance fee | — |
| ATM fee | Free The ATM operator may charge an additional fee |
| Foreign exchange fee | 1% Charged for non-USD transactions |
| Top-up fee | — |
| Failed transaction fee | — |
| Rewards | |
| Cashback | — |
| Crypto cashback | — |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| Limits | |
| Daily spending limit | — |
| Monthly spending limit | — |
| ATM withdrawal limit | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
VenezuelaVERussiaRUSyriaSYVietnamVNChinaCNNicaraguaNIMyanmar (Burma)MMIranIRUkraineUATürkiyeTRNepalNPIsraelILNorth KoreaKPBelarusBYIraqIQCubaCUIndiaIN
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，U.S. individuals are included in Ruvo’s direct personal-account onboarding and can obtain the card after completing the required identity and address verification.
2. United Kingdom：Cannot apply，Can use，UK residence is not currently covered by Ruvo’s direct onboarding, which is limited to Brazilian and U.S. individuals, but an eligible Ruvo Card issued elsewhere can be used in the UK.
3. Canada：Cannot apply，Can use，Canadian residents do not have a standard direct onboarding route because Ruvo currently opens personal accounts directly to Brazilian and U.S. individuals, while issued cards can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are outside Ruvo’s current direct personal-account eligibility, but a Ruvo Card issued to an eligible user can be used for purchases in Australia.
5. South Africa：Cannot apply，Can use，South African residents do not currently qualify through Ruvo’s standard direct onboarding, while an eligible card issued through the supported program can be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside Ruvo’s current direct onboarding for Brazilian and U.S. individuals, but an eligible Ruvo Card can be used in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents do not currently have a standard direct Ruvo onboarding route, but a card issued to an eligible Brazilian or U.S. user can be used in Ireland.
Updated: Sep 13, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
UnconfirmedPendingAccepted documents
RG / CNH / Passport
Review time / regional limits
Automated document and selfie verification can be completed in seconds to minutes; abnormal results go to manual review.
KYC provider
Persona
Updated
Aug 18, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported9
Not supported3
UpdatedAug 18, 2026
Wallet payments
Alipay
Not supported
Aug 18, 2026
Wallet payments
Apple Pay
Supported
Aug 18, 2026
Cash services
ATM withdrawal
Supported
Aug 18, 2026
AI tools
ChatGPT
Supported
Aug 18, 2026
AI tools
Claude
Supported
Aug 18, 2026
Wallet payments
Google Pay
Supported
Aug 18, 2026
AI tools
Midjourney
Supported
Aug 18, 2026
In-person payments
Offline POS
Supported
Aug 18, 2026
Online shopping
Online shopping
Supported
Aug 18, 2026
Wallet payments
PayPal
Not supported
Aug 18, 2026
Subscriptions
Subscription payment
Supported
Aug 18, 2026
Wallet payments
WeChat Pay
Not supported
Aug 18, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 2 approved reviews matched to this card
Onchain de verdade 🔥💳
Finalmente um app que conecta cripto com uso real no dia a dia. A proposta da Sana vai muito além de hype: é infraestrutura financeira onchain sendo construída com foco em produto.
Equipe transparente, comunicação ativa e visão clara de longo prazo. O cartão é um grande passo para unir DeFi com o mundo real.
Estou acompanhando de perto e confiante no que está sendo construído. 🚀
View original SANA É O FUTURO
Melhor opção para guardar seu dinheiro.
View original Risk factors
Updated: Aug 18, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Ruvo Card require KYC?
Our record lists the Ruvo Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Ruvo Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Ruvo Card with?
Our record lists Ruvo Card support for: USDT.
Is Ruvo Card a virtual or a physical card?
Ruvo Card is offered as: Virtual + physical card.
Where is Ruvo Card available?
Our record lists 2 countries or regions as available and 17 as restricted. Country-by-country status is in the regions section of this page.
Who issues Ruvo Card?
Ruvo Card is operated by Ruvo (Cacao) on the Visa network.