Ruvo GTM brain

Ruvo provides Brazilians and their businesses a global account for receiving, converting, holding and spending dollars across borders.

category

Brazil cross-border dollar accounts

market profile

  • text: Brazilian global workers and businesses need to move between dollar payments and local Pix while controlling FX costs and waiting times.
  • text: The Brazil global-account market includes Wise, Nomad and Revolut; Ruvo combines Pix and digital dollars.

personas

  • title: Brazil-based remote developer paid by a US employer
    pains:
    • International payments and conversion can eat into earnings through spreads and fees.
    • Wants to receive in dollars and access reais through Pix without waiting days.
  • title: Owner of a Brazilian agency serving foreign clients
    pains:
    • Needs a business account to receive international invoices and pay suppliers across borders.
    • Wants to understand conversion costs before committing funds.
  • title: Brazilian traveler or student abroad
    pains:
    • Needs to spend and receive money in more than one country.
    • Wants to avoid unpredictable card FX costs while retaining access to funds.

icp

  • text: Brazil-linked global workers, freelancers and individuals with CPF, especially those receiving USD or living between countries.
  • text: Brazilian SMBs and startups with CNPJ that invoice foreign clients or pay overseas suppliers; no employee-count threshold is published.

message pillars

  • text: Move between USD and BRL through Pix with fees disclosed before confirmation.
  • text: Receive international payments into account details in your name and manage funds from one app.
  • text: Spend worldwide using a card and hold digital dollars with a variable yield option.
  • text: Support both personal and business use cases with pricing matched to the transaction.

objections

  • objection: What will a transfer actually cost?
    response: Show the live quote and relevant corridor; published USD-to-Pix rates differ for CPF and CNPJ.
  • objection: Who holds my money and provides financial services?
    response: Explain the self-custodial account and regulated third-party providers; check the current terms for the specific service.
  • objection: Is the advertised yield guaranteed?
    response: No: the site describes a variable rate and an up-to figure, so show current terms and risks.

competitors

  • name: Wise
    why: Competes for Brazil cross-border transfers and global accounts.
  • name: Nomad
    why: Brazil-focused global account alternative named in market coverage.
  • name: Revolut
    why: Global account and payments alternative in Brazil.

influencers

  • name: Carlos J.
    url: https://www.linkedin.com/posts/carlosjimenezcastrillo_cacao-apps-on-google-play-activity-7378540028710252544-J5fw
    why: Founder post explains the original worker payment problem and Cacao launch.
  • name: Alec Howard
    url: https://startups.com.br/negocios/fintech/ruvo-cresce-no-brasil-para-disputar-mercado-com-wise-e-revolut/
    why: CEO discussing the competitive market and Brazil focus.

keywords

  • conta global Brasil
  • receber dólar no Brasil Pix
  • conta em dólar para empresa
  • USD BRL conversion fees
  • international payments Brazil freelancers
  • Brazil US money transfer

voice

  • Direct and practical
  • Savings-focused and transparent
  • Globally minded, locally Brazilian

signals

  • text: Brazilian contractor starts receiving recurring US dollar income and needs local Pix access.
  • text: A Brazilian agency or importer begins invoicing or paying overseas counterparties.
  • text: A student or traveler is preparing to manage spending across Brazil and another country.

stack

  • Pix
  • ACH
  • Wire
  • RTP
  • Visa
  • USDC

pricing

model: usage
starting price: From 0.3% for business USD to BRL via Pix; BRL to USD 0.5%

motion

product_led

channels

  • App Store
  • Google Play
  • SEO
  • LinkedIn
  • press
  • student ambassadors

confidence

high

Founders

  • name: Alec Howard
    title: Founder/CEO
    role: CEO
    bio: Co-Founder and CEO of Ruvo (formerly Cacao). Ex-Uber & previous Head of Marketing at Gauntlet AI (Lambda School, YC S17)
  • name: Michael Mason
    title: Founder/CTO
    role: CTO
    bio: Co-Founder & CTO of Ruvo. Previous Co-Founder & head of Product & Engineering at Mercato.

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