Ruvo YC Application

Summer 2025Active

Ruvo went through Y Combinator in the Summer 2025 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.

YC batch: Summer 2025
Industry: Fintech
Team size: 6
Status: Active
Launched: 2025

Founders

Alec HowardCo-Founder & CEO
Michael MasonFounder

What Ruvo does

Ruvo is a global account for receiving, holding, and moving money between USD and BRL. We connect Pix, crypto, and Visa so you can receive USD from abroad, convert between USD and BRL in minutes, send money to the U.S., spend worldwide, and save in digital dollars with yield - all in one place. Ruvo supports both personal (CPF) and business (CNPJ) accounts, with low fees, strong security, and direct Pix settlement. Formerly known as Cacao.

Ruvo's YC application, reconstructed

Y Combinator application

Ruvo, Summer 2025 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Ruvo

Describe what your company does in 50 characters or less.

The Global Dollar App for Brazil

What is your company going to make? Please describe your product and what it does or will do.

We built a global account that lets people in Brazil receive, hold, and move money between USD and BRL. Users can transfer USD from abroad, convert currencies quickly, send money to the U.S., spend globally with a Visa card, and save digital dollars earning yield. Our app also connects Pix with crypto and Visa for fast, secure payments, supporting both personal (CPF) and business (CNPJ) accounts.

Where do you live now, and where would the company be based after YC?

We live in São Paulo, Brazil and plan to keep the company based here after YC.

Explain your decision regarding location.

Brazil is our core market and where we understand the payment landscape deeply. Being based in São Paulo keeps us close to our customers and partners, which is essential for building a financial product tied to Pix and Brazilian regulations.

21 more answers in the full application

Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.

See full application

Frequently Asked Questions

Is this the real Ruvo YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Ruvo's public data (launch notes, founder backgrounds, product description). It shows how a company like Ruvo would present itself to YC, not the text they submitted.