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.

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 bank 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 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.

Powered by Stripe and Lead Bank

You no longer have to wait days to get paid — withdrawals arrive in your local bank account within minutes.

Withdraw in Local Currency Instantly

Get paid directly to your account from any US bank via ACH — including platforms like Upwork, Fiverr, Freelancer, and Toptal.

Receive International Payments with Ease

Open a free
US bank account
in your name!

No account opening or maintenance fees

Verify your ID in just 3 minutes

Start getting paid globally — fast and easy

SWIFT — coming soon!

has never been easier!

Opening a US bank account

Freelancers earning income on platforms like Upwork and Fiverr.

Freelancers

Remote workers paid by US- or Europe-based companies.

Remote workers

Sellers on global marketplaces like Amazon, Etsy, and Shopify.

E-commerce sellers

Users receiving income via US or European bank accounts.

Everyone paid from the US and Europe

Who's it for?

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

Our Global Partners

global users

countries worldwide

happy freelancers & solopreneurs

AI agents find clients, write proposals, and handle the busywork — for free!

Run your freelance income on autopilot with 20+ AI tools and workflows

Keep getting paid while focusing on what you actually love

with Freelancer Autopilot

Multiply your income

Blogs, guides, and videos

Exclusive offers for you

More to come!

Learn with Cenoa!

Awesome!

Simply the best!!

Great financial app

Perfect App

Great

Great App

👍🏼👍🏼

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.

Receive payments

Withdraw instantly

Send USD/EUR

Send USDc

Get paid in full.

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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