Buy digital dollars &
earn 5% annual yield

Start in 5 minutes. Zero fees. No lock-in!

Want to know more?

3 Cenoa products to fight inflation

Make your money devaluation-proof

1. BUY DOLLARS at real rates

Tired of inflation and devaluation? Buy dollars fast. No spread, No markup, No commission.

2. SEND DOLLARS with 0 fees

Send dollars to anyone, anywhere in the world. Send instantly, just with their phone number.

3. GROW DOLLARS with 5% yield

Make your money work for you, not for the banks. Earn a fair yield on your dollars.

Featured by world's most prestigious publications

6 reasons why you will love Cenoa

  • Simple and fast

    Start earning in 5 minutes
    and 3 simple steps: sign up, deposit money and earn!

  • Real exchange rates

    No spread. No mark-up. No commission. One real exchange rate - same when you buy and sell digital dollars.

  • Zero transaction fees

    Opening an account, depositing, withdrawing, converting/ exchanging, and growing your money are all free on Cenoa.

  • Fair yield rates

    Earn 5% annual yield on your digital dollars. Make your money work for you, not for the banks.

  • Earn yield hourly

    Yield paid out hourly. No lock-in periods. Withdraw your money anytime - without losing yield or penalties.

  • Secure

    Built by world-class executives. Backed by top VC firms. Integrated with licensed fintechs. Developed on battle-tested blockchain platforms.

Start earning in 5 minutes

3 Simple Steps

1. Sign Up

Create your Cenoa account in just a few seconds.

2. Deposit

Deposit money easily from your bank account via licensed fintech partners.

3. Earn

Sit back and watch your money grow.

The advantage of being a Cenoan

See how much your $10,000 will grow in Cenoa vs a bank

In 30 years with Cenoa

+ $43,219.42

In 30 years with average bank

+ $10,397.70

Enterprise-grade security

You work hard to earn your money, we work harder to protect it!

Audited by industry leader Certik

Certik has thoroughly audited and approved our Cenoa smart contract. Certik is an industry leader in security auditing with over $364 billion and 3670 projects audited, and 60,000 vulnerabilities detected. Their audit gives us the confidence that our code is safe and secure against potential threats.

SSL certified

Cenoa uses 256-bit SSL to protect your data while in transit and at rest. This SSL technology keeps your information private, secure, and integral, so you can feel confident when using our platform. SSL stands for Secure Sockets Layer.

Empowering bankless infrastructure

Cenoa superwallet is built as a non-custodial wallet to give you full control. Because we believe the biggest benefit of blockchain is empowering people to cut-out banks and gain control.

Built on leading platforms

Cenoa is built on Avalanche, one of the most secure and reliable blockchain platforms. Cenoa enables access to digital dollars and yields through leading and battle-tested Decentralized Finance platforms such as Aave.

US SEC regulated digital dollars

Cenoa uses only USDC as digital dollars. USDC is always redeemable 1:1 for U.S. dollars. USDC is issued by Circle – a fintech regulated just like PayPal, Stripe, & Apple Pay. Circle is annually audited & SEC-reviewed, it holds $43 Billion in reserves & has enabled $9 Trillion in transaction volume. SEC stands for US Security and Exchange Commission.

Integrated with licensed fintechs

Cenoa is fully integrated with Transak – a UK Financial Conduct Authority licensed fintech that connects Cenoa with local banking systems

Our investors are top global VCs...

Underscore VC
Human Capital
Collective Spark
Ulu Ventures

...who backed some of the top unicorn fintechs/neobanks


Upcoming products

Introducing more dollar-based products to make your money devaluation-proof

US Dollar-based debit card

Use your dollars for daily shopping and earn cashback in 54 million stores worldwide! Your dollars will be converted to the local currency at real exchange rates and without fees.

QR payments

Use your dollars for daily shopping with QR payments at accepting stores! Your dollars will be converted to the local currency at real exchange rates and without fees.

Our users love us! 5.0 star rating in App Store


Cenoa is the perfect app for helping me save money. The app is easy to use, and I love checking on my investments and seeing them grow. I'm not an expert when it comes to investing, but Cenoa makes it easy for me to learn and feel more confident. The tips and financial education are really helpful, and I'm making progress towards my down payment goals thanks to Cenoa.

B.C., December 6, 2022

App Store

Simply the best!!

I opened the account in less than 2 minutes. I deposited money and started earning in like 3 minutes. I've also dealt with the team already and they were very competent, super fast and really helpful. I looked at the founders and they used to be executives at big banks and tech companies, they know what they are doing. Also investors are very reputable companies who invested in many billion dollar companies like digital banks, neobanks and fintechs around the world.

A.L., December 6, 2022

App Store

Great Financial App

At first, I was skeptical because it sounded too good to be true. No other savings app offers more than 3%? But Cenoa is the real deal. The app is powered by legitimate smart technology and I've seen my investments grow more with Cenoa than with other high-yield savings options. I encourage you to try it out - there's no penalty for withdrawing funds - and see how it works for you. As someone with decades of experience in the industry, I've never seen a stable return like this without having to manage a portfolio or invest in mutual funds. Cenoa is going to revolutionize how people save their money.

D.A., December 6, 2022

App Store

Perfect App

In my experience, Cenoa is the fastest way to invest and see returns. Compared to other apps and robo-investors, I've been impressed with the results I've seen. The best part is that there's no commitment and no fees, so I can withdraw my funds whenever I want. The 8% yield is amazing, and I can't find that anywhere else. If you're looking to invest, give Cenoa a try. You won't be disappointed!

E.C., December 8, 2022

App Store


I really appreciate how user-friendly the Cenoa app is for investing. It's the first app I've used for investing outside of a traditional bank, but I didn't feel confused at all while using it. The process was very straightforward and easy to follow. In addition, the app provides helpful tips and financial education, which is a great bonus. I would definitely recommend Cenoa to my friends and family.

M.N., December 8, 2022

App Store

Great App

I like the simplicity of the app. It's so simple to invest money, and you begin earning after investment without delay. Additionally, there is no wait time for withdrawing money from the app, which is a major convenience. The app's exchange rates are also impressive.

M.D., December 14, 2022

App Store


I love that Cenoa offers fair currency exchange rates and a fantastic annual interest rate of 8%. Plus, the daily returns are a nice added bonus. I highly recommend this app to anyone looking to protect their savings from inflation and currency devaluation.

O.N., December 15, 2022

App Store

Meet Our Founders

Cenoa is built by executives who managed global businesses with 50+ million customers

Garanti BBVAMetaGoogleGetirStanford UniversityAmazonMcKinsey & Company
Seçkin Çağlın

Seçkin Çağlın

Co-CEO, leading Growth

14 years experience building and distributing financial products in >10 countries

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Emre Ertan

Emre Ertan

Co-CEO, leading Product

15 years experience building & scaling global consumer technology products

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Buğra Çakmak

Buğra Çakmak

Co-Founder, leading Blockchain development

14 years engineering experience building military-grade cybersecurity and backend applications

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Sırrı Perek

Sırrı Perek

Co-Founder, leading Mobile development

14 years experience as software engineer building consumer tech products used by billions

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All Team