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Get paid globally
— 10x cheaper than Payoneer
Open your free US bank account in 3 minutes
— powered by Stripe, Lead Bank, and USDC (Circle).
Your money deserves better.
You get
$915(0.99%)
Total fees
$85(8.5%)
| Get paid | 0.5% | Get paid | 1% |
| Withdraw | 0 | Withdraw | 3% |
| Withdraw in local currency | 0.49% | Withdraw in local currency | 4.5% |
Open a freeUS bank accountin your name!
10x Cheaper
Get paid from abroad for less than 1%, up to 10× cheaper than alternatives, and withdraw your earnings in your local currency to your bank account.
Opening a US bank account is easy and free
Open your account in just 3 minutes with only your ID — no complicated paperwork, no hassle. Plus, there are no account opening, maintenance, or monthly fees.
Fast and Real Customer Support
Download the app and enjoy fast support from real people, not bots, with just one click! You can also reach us anytime by emailing support@cenoa.com.
Powered by Stripe and Lead Bank
Your US bank account is opened through Cenoa’s strategic partner, Stripe — a leading US payments platform that processed $1.3 trillion in 2024 and is known for its robust security and compliance.
Withdraw in Local Currency Instantly
You no longer have to wait days to get paid — withdrawals arrive in your local bank account within minutes.
Receive International Payments with Ease
Get paid directly to your account from any US bank via ACH — including platforms like Upwork, Fiverr, Freelancer, and Toptal.
Opening a US bank account
has never been easier!
No account opening or maintenance fees- Verify your ID in just 3 minutes
- Start getting paid globally — fast and easy
Who's it for?
Our Global Partners
Stripe, a payments company valued at nearly $100 billion, holds some of the most comprehensive licenses in the industry and is known for its strong security and regulatory compliance systems.
Cenoa is one of the 7 startups selected in 2023 for Mastercard Start Path, the company’s only global startup program.
Cenoa wallets operate with USDC issued by Circle, which reached a market capitalization of $75 billion as of 2026.
Accounts are opened by Bridge, an infrastructure provider acquired by Stripe for $1.1 billion.
Global platform providing invoicing & payment collection for freelancers
global users
countries worldwide
happy freelancers & solopreneurs
Open your US bank account
in just 3 steps!
- Sign up for free.
- Open a US bank account in your name.
- Connect your account or share it with clients — and start getting paid!
Hear what others say about us!
Awesome!
Cenoa helps me save money. The app is easy to use, and I love watching my investments grow. Even as a non-expert, I feel more confident thanks to Cenoa’s tips and financial education, and I’m making progress toward my down payment goals.
B. C., December 6, 2022
App Store
Simply the best!!
I opened my account in under 5 minutes and started earning almost immediately. The team was fast and helpful, the founders have strong backgrounds at top banks and tech companies, and Cenoa is backed by highly reputable fintech investors.
A. L., December 6, 2022
App Store
Great financial app
At first, I was skeptical — it sounded too good to be true. But Cenoa is the real deal. I’ve seen my savings grow more than with other options, with no penalty to withdraw. With decades in the industry, I’ve never seen such stable returns without managing a portfolio. Cenoa is set to change how people save.
D. A., December 6, 2022
App Store
Perfect App
In my experience, Cenoa is one of the fastest ways to invest and see results. I’ve been impressed compared to other apps and robo-investors, especially since there are no fees or lock-ups — I can withdraw anytime. The 8% yield is hard to beat. If you’re looking to invest, give Cenoa a try.
E. C., December 8, 2022
App Store
Great
I really appreciate how user-friendly the Cenoa app is. Even as a first-time investor outside a traditional bank, I found the process clear and easy to follow. The tips and financial education are a great bonus, and I’d definitely recommend Cenoa to my friends and family.
M. N., December 8, 2022
App Store
Great App
I love how simple the app is. You start earning immediately after investing, there’s no waiting time to withdraw, and the exchange rates are impressive.
M. D., December 14, 2022
App Store
👍🏼👍🏼
I love Cenoa’s fair exchange rates and strong 3% yield, with daily returns as a great bonus. I highly recommend it to anyone looking to protect their savings from inflation and currency devaluation.
O. N., December 15, 2022
App Store
Trusted by world's most prestigious publications
Cenoa, successfully raised $7 million led by a key investor in Robinhood
Cenoa, plans to use the capital to enhance its technology platform, expand its user base, and explore new markets, positioning itself as a major player in the competitive digital wallet and financial services sector.
Read the full story >
Cenoa launches digital dollar account in Nigeria
Cenoa has launched a dollar-denominated account service in Nigeria, targeting emerging markets. This service aims to facilitate easier and more efficient international transactions for Nigerian users, addressing the challenges of global payments in the region.
Watch the full story >
Cenoa has been chosen as 1 of 7 startups
Mastercard's Start Path Blockchain and Digital Assets program is fostering innovation in blockchain technology and digital assets by supporting startups worldwide. Among the startups selected for this program is Cenoa, which will join nearly 360 others from 43 countries in scaling blockchain innovations and exploring new market opportunities.
Read the full story >
Cenoa's remarkable launch in Nigeria
Cenoa has made a significant impact in Nigeria by offering a zero-fee, blockchain-based dollar account, facilitating easy access to digital dollars amidst high inflation and currency instability. Garnering over 50,000 sign-ups within a month and integrating with local and international financial systems, Cenoa aims to provide a seamless, cost-free solution for dollar transactions.
Listen the full story >
Cenoa has raised $7 million from investors such as Quiet Capital, Underscore.VC, Human Capital
Cenoa offers services in 35 countries through an app giving access to dollar-based products in emerging markets. The newly acquired funds will be used to expand Cenoa's core product offerings and to enter new markets in Latin America, Africa, Southeast Asia, and Europe.
Read the full story >
Borderless super wallet - CENOA - raises $7 million in seed funding
Cenoa has raised $7 million in a Seed funding round led by Quiet Capital and Underscore VC, with participation from other notable investors, to expand its operations and develop US Dollar-based financial products for emerging markets.
Read the full story >
Bridging the gap in emerging economies with Blockchain
Cenoa, co-founded by experts from Getir, McKinsey, and Facebook in 2022, leverages blockchain technology in its non-custodial wallet to provide easy access to digital dollar products.
Read the full story >
Revolutionizing access to digital dollars in emerging markets
Seçkin Çağlın, Co-CEO of Cenoa, emphasizes the company's commitment to leveraging blockchain technology to offer easy access to digital dollar-based products, specifically targeting users in emerging economies with unstable currencies like Argentina and Nigeria.
Read the full story >Meet the Founders
Cenoa was founded by leaders serving more than 50 million customers globally with a vision to create equal opportunity in global trade.
Seçkin Çağlın
Cofounder, Co-CEO
Over 15 years of experience in fintech and banking. Prior to Cenoa, he was Deputy General Manager of Card Business Unit and Marketing at GarantiBBVA Payment Systems where he led the company to 25 million cards and $100 billion in annual payment volume. Previously at McKinsey, he was a growth and strategy consultant to some of the world's largest banks and innovative fintechs. He holds an MBA from Stanford University and a BS in Computer Engineering from Boğaziçi University.
View profile.jpg%3Fv1%3D1&w=256&q=85)
Emre Ertan
Cofounder, Co-CEO
Over 15 years of experience in technology and product management. Prior to Cenoa, he was CPO and CTO at Getir, where the company grew 20x and expanded to 9 countries. He has held various product management roles at fast-growing Silicon Valley tech companies such as Zum, Slice, Unroll.me and Feedly. He has also previously founded two VC-backed startups and holds two patents. He holds an MBA from Stanford University and an Engineering degree from Sabancı University.
View profile.jpg%3Fv1%3D1&w=256&q=85)
Buğra Çakmak
Cofounder, Blockchain
Software engineer with over 15 years of experience in developing military-standard cybersecurity and backend applications. Prior to Cenoa, he was the co-founder and CTO of Bash Biotech. Previously, he worked at Havelsan, developing the cyber security infrastructure of multinational defense systems. Before that, he worked as a full stack engineer at Google. He holds a bachelor's degree from Bilkent University.
View profile.jpg%3Fv1%3D1&w=256&q=85)
Sırrı Perek
Cofounder, Tech Lead
Over 15 years of experience in developing consumer tech products. He was a Lead Software Architect/Engineer at Facebook for over 7 years, where he played a critical role in developing scalable and user-friendly products that reached billions of users. Prior to that, he worked as a software engineer at several Silicon Valley startups, one of which was acquired by Facebook. He holds a bachelor's degree from Bilkent University.
View profileCenoa is backed by top Silicon Valley VC funds specializing in fintech...
...who also backed some of the most successful fintechs of the past decade.
Get paid in full.
FAQ
Cenoa is a financial technology company built on cutting-edge technologies such as blockchain, USDC (digital dollars) and artificial intelligence to make e-exports and global trade more accessible and equal opportunity for everyone. It offers its users a real and free US account, enables the collection of e-export revenues at up to 10 times lower costs compared to platforms like Payoneer, and allows for instant withdrawal of earnings in local currency.
No, you can create a free account on Cenoa by simply entering your phone number and a password. You can visit the App Store or Play Store to download the app.
To reach our support team, you can send an email to support@cenoa.com or contact us via the app for instant support. We will be happy to help you!
