Ruvo GTM brain

category

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

motion

channels

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

confidence

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.