Early access for SMEs in Colombia and Brazil

FX coverage
finally accessible for SMEs

The market will fluctuate, but your margin doesn't have to. Nivo locks your exchange rate until payment arrives.

Schedule a demo →See how it works
No minimums.
Flexible terms.
Immediate payout.
🇧🇷USD / BRLCurrent rate 4.9240
Your invoice amount
$USD
Lock for
Rate locked30-day coverage
R$ 4.9328
Lock rate

Indicative rate

The problem

FX volatility remains the most overlooked risk for SMEs in Latin America.

The exchange rate shifts between contract and payment, but the hedging solutions banks offer are out of reach for most SMEs.

16.3%USD/BRL variation over the last 12 months. Enough to wipe out the margin on an entire shipment.
US$ 150KThe minimum banks require to approve FX hedging. Below that, there's no solution.
Restricted accessBanks impose extensive documentation, credit checks, and prior relationship requirements.
Without Nivo
Unpredictable
Exposed to FX fluctuations
With Nivo
Predictable
Rate locked
Volatile to stable exchange rate
How it works

Three steps. Rate locked. Margin protected.

Built so any SME can lock their exchange rate in minutes. No financial expert, no paperwork, no minimums.

STEP 1

Lock your exchange rate

Enter your invoice amount and contract date. Nivo records the current rate as your coverage reference.

STEP 2

Activate your coverage

Make the coverage deposit to activate your policy. Nivo keeps your coverage active until the contract matures.

STEP 3

Receive the difference

If the exchange rate moved against your position, you'll receive the difference in your Nivo account the same business day.

Built for

SMEs that operate across borders.

Whether importing or exporting, Nivo ensures the exchange rate doesn't compromise the profit you planned for.

Exporters

Export with the margin you calculated.

You close contracts in dollars and get paid weeks later. Lock the rate at signing so the negotiated value is the value received.

"Our margin is 7%. A 3% swing in the BRL cuts our year in half."
Agro

Ship without gambling.

Soy, mango, poultry: any commodity negotiated months before shipment. Lock the rate at the contract, not at the dock.

"Payment is 45 days after the B/L. The real never waits that long."
Importers

Close international orders without FX surprises.

You source inputs abroad and pay in dollars. Lock the rate before closing the order and eliminate uncertainty on your final cost.

"We close the order today and pay in 60 days. In that window, the dollar can shift a lot."
Trust & transparency

Financial-grade, built in the open.

Hedging used to mean bank desks, corporate minimums, and opaque spreads. Nivo replaces all of it with code you can read.

NDF
Non-deliverable forward.
You keep your existing USD payment flow with your buyer. Nivo only settles the difference on the lock date.
1.5%
Transparent pricing.
One flat fee on the notional. No spreads, no hidden markups, no minimum ticket size.
T+0
Same-day settlement.
When the contract settles, the top-up is in your bank the same business day. No holds.
Onchain
Verifiable contracts.
Every lock is recorded on a transparent ledger. Compliant with each market's local FX regulations.
Early access

Stop paying the price of volatility.

We're onboarding a small group of Latin American SMEs throughout Q3. All it takes is a 20-minute conversation.

Get in Touch →