Earn 8% yield on your USD savings

Start earning in 5 minutes, zero fees for everything, withdraw anytime!

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Make your money work for you!

Simple & Fast.

Send funds from your bank account and start earning in 5 minutes. Available in 200+ countries.

Zero fees.

No fees for depositing or withdrawing funds. No fees for converting your local currency to USD.

Fair earn rate.

Earn 8% per year. Earn daily. Withdraw anytime. No lock-in period.

Secure.

Built by experienced executives. Backed by world-class investors. Tested and audited by renowned security experts.

How it works

Download

Download the app via your application store depending on your device, we are both on iOS and Android.

Deposit

You can top up your Cenoa account with various payment methods, including bank transfers, credit cards, and debit cards, with the no-fee policy of course.

Earn

Once you deposit, you will be ready to earn. Lean back, and enjoy the 8% yield on your USD.

Download the app via your application store depending on your device, we are both on iOS and Android.

You can top up your Cenoa account with various payment methods, including bank transfers, credit cards, and debit cards, with the no-fee policy of course.

Once you deposit, you will be ready to earn. Lean back, and enjoy the 8% yield on your USD.

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Choose wiser, live better.

Built by the best

Built by executives managed businesses wiht more than 50 million customers.

Backed by the best

Supported by world-class inventors with >$5 billion funds.

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Close the gap between your dreams and reality with Cenoa. You can start earning in a few minutes.
OUR MISSION

We aim to bring fair, empowering and innovative financial services to everyone

OUR MISSION

We aim to bring fair, empowering and innovative financial services to everyone

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We saw a need and we are building a solution with a dream team.

Interested in learning more?

About us

Have a question?

How does the 8% annual percentage yield work?

When you deposit money at a bank, it is loaned back to you in the form of mortgages, small business loans, credit cards, and other products. They've made about 2.6% annual rate this year, and 3-4% in the last 20 years or so.

After that, they pay you... almost nothing. Annually, 0.01-0.05% is typical. In today's best-case scenario, they'll pay around 0.6%.

Cenoa puts your money to work for you rather than for a bank. The profit from your investment goes directly into your pocket.

Furthermore, an average person pays an additional $329 in bank charges each year in the USA. We do not charge any fees (and will not ever). Those savings are also effectively added to your annual earnings.

Furthermore, by removing ourselves from the bureaucracy of a large bank and actively seeking out the best opportunities, we are able to generate more appealing rates. As a result, we can offer higher rates than banks and share the benefits with you in the form of APY rewards.

How does Cenoa make money?

We think they'd try to do what's best for their customers and make those points as useful as possible.

A lot more could be said about this. But the truth is that, unlike every other financial product on the market, we don't need to take money out of your pocket. Only if you win can we win. We think that people really need to use and understand those points.

On a different level, we want Cenoa to be your main wallet for saving, spending, and other things.

Who are the people behind Cenoa?

One difference is that Cenoa is not a bank, but it is better than a bank. There are faces behind, so each and every transaction that occurs in Cenoa comes from interactions with real people—the owners. We mean you and us.

Interested in learning more about us and our investors? We aren’t anonymous. You can find out more about us on our page.

Is Cenoa a bank?

Cenoa is not a bank. Cenoa has partnerships with various payment providers that allow you to convert your assets into digital assets. We can provide you with an extremely competitive annual yield using a variety of financial instruments, as shown above.

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We're as excited as you are! We'll notify you when Cenoa is ready, of course, before everyone else.

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Earn 8% yield on your USD savings

Start earning in 5 minutes, zero fees for everything, withdraw anytime!