Smartest way

to buy dollars

Buy & sell at market rates. Earn returns on your dollar balance.

Why do 350k+ people trust Cenoa?

Stable rates 24/7

Tired of fluctuating rates due to spreads? We don’t do that here. Our rates are a reflection of real market rates.

Smooth Transactions

Fund your Cenoa account in minutes. Transfer from Cenoa to any bank account in 40+ countries.

Dollar Returns

You earn returns from well-vetted investments that we put your money in. Notwithstanding, you can withdraw anytime.

Protect your money from inflation in 5 minutes

3 Simple Steps

Sign Up

Create your Cenoa account in just a few seconds for free.

Buy Dollars

Transfer your local money easily from your bank account to Cenoa via licensed fintech partners. Enjoy 1% fixed spread 24/7.

Withdraw in 5 minutes

No lock-ins. Withdraw your money together with the earnings whenever you like. Withdrawals take less than 5 minutes

What do people say about Cenoa?


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

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 >

6 reasons to love Cenoa

  • Buy digital dollars in minutes

    Create a free account and convert your money to dollars in minutes!

  • %1 Spread

    Stop paying 10% spread to banks. Buy & sell dollar with fixed 1% spread 24/7.

  • Transfer dollars for free

    Transfer dollars between Cenoa users without any fees, in minutes. Available in 40+ countries globally.

  • 5% annual yield

    Earn 5% yield on dollars. No lock-ins. Withdraw earnings hourly.

  • Fastest withdrawals

    Enjoy the light speed withdrawals, completed in less than 5 minutes.

  • Trustworthy & Secure

    Built by world-class executives. Backed by top VC firms. Integrated with licensed fintechs.

Meet The 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

View profile
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

View profile
All team

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

We are working on 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 fair 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 fair exchange rates and without fees.

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.

SSL certified

SSL stands for Secure Sockets Layer. 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.

Empowering bankless infrastructure

Cenoa is built as a non-custodial wallet to give you control on your funds. 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 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 partners

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

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