The Key to the
Global Chessboard.
The American financial system is the most powerful tool available to global entrepreneurs. FICO score, premium cards, low-rate credit — all of it starts with an ITIN and the right structure.
"Your ambition is global. Your financial structure should be too."
While most international entrepreneurs stick to digital wallets and fintech accounts, the smart ones build a real financial history in the world's largest economy — with a real address, a real ITIN, and access to the best banks on the planet.
Four reasons your bank will never tell you.
The Safest Place in the World
The FDIC guarantees up to US$250,000 per account holder per bank — backed by the US federal government. Dollar, the global reserve currency. No risk of confiscation, political freeze or currency instability. Three layers of regulation: Fed, OCC and CFPB.
The World's Largest Credit Market
Mortgage at 6–7% fixed for 30 years. Personal loan at 6–12% per year. Working capital at 7–15%. While Brazil charges 300% on revolving credit, the US system treats credit as fuel for those with a score.
The World's Best Cards
Chase Sapphire Reserve, Amex Platinum, Capital One Venture X. Dollar limits, unlimited VIP lounges, automatic travel insurance. No Brazilian card comes close — and none of them are available without a US score.
The Invisible Miles Paradise
Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles. Transferable to United, Emirates, Air France, Hyatt and Marriott. 3x, 4x, 5x points daily. First Class paid with points — not money.
Your country vs USA.
It's not a coincidence. It's the system.
| Product | Brazil 🇧🇷 | USA 🇺🇸 |
|---|---|---|
| Credit card (revolving) | 300%+ p.a. | 0% for 12–18 months |
| Personal loan | 40–80% p.a. | 6–12% p.a. |
| Real estate financing | 12–15% p.a. | 6–7% p.a. fixed, 30 years |
| Auto financing | 20–35% p.a. | 4–7% p.a. |
| Business working capital | 30–60% p.a. | 7–15% p.a. |
The best credit cards in the world. Period.
- US$300 in travel credits/year
- 1,400+ VIP Priority Pass lounges
- 3x points on travel and dining
- Global travel insurance included
- Centurion Lounge — the world's best
- US$200 in flight credits/year
- 5x points on airfare
- Elite status at Marriott and Hilton
- 2x points on absolutely everything
- US$300 in travel credits
- 10,000 annual bonus points
- Unlimited Priority Pass
These cards are not available without a US credit history. Novo Inc builds that history from zero.
From zero to 750+ score.
Every month without structure is a month of lost US interest.
Viability analysis of your profile and initial financial structure organization. Your first US account activated.
Your ITIN request submitted directly to the IRS. The process takes up to 120 days — and starts here.
ITIN approved. US physical address active. Second US account opened — now with your US document in hand.
Score starts building. Usage and payment strategy underway. First intermediate credit products available.
Score above 750 points. Access to the best accounts, best cards and best credit in the US system.
From 12 months of history, the US system works for you.
US Real Estate
Finance with 3–20% down. 30-year fixed term. Today's installment is the same in 30 years.
Auto
Financing at 4–7% per year. No bureaucracy, fast approval.
Working Capital
Business credit line based on US history — not on Brazilian CNPJ.
Investments
Margin accounts and equities at US capital cost — not Brazilian.
What's included.
No fine print.
- ITIN — US tax number (the foundation of everything)
- Banking structure from Brazil
- Access to the best US banks: Chase, BofA, Wells Fargo
- Score building strategy (which cards, in what order)
- 90-day checklist with next steps
- Premium US physical address
- Card and statement delivery
- IRS documentation forwarded
- Bank correspondence handled
- Account maintenance support
Frequently asked questions.
Every month without a score
is a month lost.
Those who start today have a solid score in 12–18 months. Those who wait lose exactly that time.
100% legal · ITIN issued by the IRS · Banks regulated by the Federal Reserve