The cost of receiving end-to-end payments is less than 1%, which is 10 times cheaper than alternatives with costs of up to 8.5%. With a fee of less than 1%, you can receive your earnings from abroad and withdraw it in local currency to your local bank account.

10x Cheaper

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.

Opening a US account is easy and free

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.

Fast and Real Customer Support

Your US account is opened at Lead Bank through Cenoa’s strategic partner, Stripe — one of the largest payment platforms in the US, with a market valuation close to $100 billion. In 2024 alone, Stripe processed $1.3 trillion in payments. It holds the industry’s most comprehensive licenses and is known for its robust security and regulatory compliance systems.

Powered by Stripe and Lead Bank

You no longer have to wait days to get paid! Your withdrawal will arrive in your chosen local bank account in just a few minutes. TRY deposits and withdrawals are processed by Cenoa’s strategic partner, BitBNS Turkey — a licensed financial technology company subject to CMB oversight. BitBNS is also one of the largest global exchanges. 

Withdraw in Local Currency Instantly

Get paid directly to your account from any other US account — whether it's from platforms like Amazon, Etsy, Shopify, Upwork, Fiverr, or direct clients. They can send payments easily via ACH, the local remittance system in the US.

Easily Receive All Your E-Export Earnings

Open a free
US account
in your name!

No account opening or maintenance fees

Verify your ID in just 3 minutes

Start getting paid globally — fast and easy

has never been easier!

Opening a US account

Stripe, a payments company with a market value close to $100B, holds the most comprehensive licenses and has top-tier security and regulatory compliance systems. The US bank accounts offered by Cenoa are opened through Stripe.

Cenoa is one of only 7 startups worldwide selected in 2023 for Mastercard’s Start Path—the global startup program of the leading payment technology company— in the blockchain space.

Cenoa works with USDc, issued by Circle—the same licensed and SEC-regulated global payment infrastructure provider behind PayPal and Apple Pay integrations. In 2025, Circle went public and reached a market valuation of $63B.

Infrastructure provider acquired by Stripe for $1.1 billion

TRY deposits and withdrawals are facilitated by Cenoa’s strategic partner, BitBNS Turkey. BitBNS is one of the world’s largest exchanges, and BitBNS Turkey is a financial technology company regulated by the Capital Markets Board (CMB) and subject to its licensing and audit processes.

Leading software company offering business & financial management services

Top digital logistics platform offering solutions for SMEs

Global platform providing invoicing & payment collection for freelancers

Our Global Partners

global users

countries worldwide

happy freelancers & solopreneurs

Freelance: Upwork, Fiverr, Deel...

Fintech: PayPal, Wise, Payoneer...

E-Commerce: Amazon, Etsy, Shopify...

US Bank Accounts: You can receive payments from any US bank account!

Easily withdraw in local currency

Platforms you can get paid from with Cenoa

Receive payments

Withdraw instantly

Send USD/EUR

Send USDc

Get paid in full.

Sign up for free.

Open a US bank account in your name.

Connect your account or share it with clients — and start getting paid!

 in just 3 steps!

Open your US account

Awesome!

Simply the best!!

Great Financial App

Perfect App

Great

Great App

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Hear what others say about us!

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.

Cenoa, successfully raised $7 million led by a key investor in Robinhood

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.

Cenoa launches digital dollar account in Nigeria

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.

Cenoa has been chosen as 1 of 7 startups

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.

 Cenoa's remarkable launch in Nigeria

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. 

Cenoa has raised $7 million from investors such as Quiet Capital, Underscore.VC, Human Capital

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.

Borderless super wallet - CENOA - raises $7 million in seed funding

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.

Bridging the gap in emerging economies with Blockchain

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.

Revolutionizing access to digital dollars in emerging markets

Trusted by world's most prestigious publications

Google

Seçkin Çağlın

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.

Cofounder, Co-CEO

Getir

Stanford University

Emre Ertan

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.

Buğra Çakmak

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.

Cofounder, Blockchain

Amazon

McKinsey & Company

Sırrı Perek

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.

Cofounder, Tech Lead

Cenoa was founded by leaders serving more than 50 million customers globally with a vision to create equal opportunity in global trade.

Meet the Founders

Quiet

Underscore VC

Acrew

Human Capital

Collective Spark

Ulu Ventures

Chime

Robinhood

SoFi

Brex

Coinbase

Cenoa is backed by top Silicon Valley VC funds specializing in fintech...

...who also backed some of the most successful fintechs of the past decade.

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.

What is Cenoa? 

No, you can create a free account on Cenoa by simply entering your phone number and a password. You can <a href="https://apps.apple.com/US/app/id1630932961?mt=8" target="_blank">visit the App Store or Play Store</a> to download the app.

Do I need to pay a fee to create a Cenoa account?

To reach our support team, you can send an email to <a href="mailto:support@cenoa.com" target="_blank">support@cenoa.com</a> or contact us via the app for instant support. We will be happy to help you!

How can I get support if I have questions or issues?

Cenoa - The smartest way to get paid globally!

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