![](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg"/>)
GET PAID IN FULL
WITH CENOA.
Those who value their money choose Cenoa
to maximize their earnings across all platforms.
| 34,990₺ in e‑export earnings | Fee (%) | Fee (₺) | Money you get |
|---|---|---|---|
| 0.99% | ₺346.00 | ₺34,645.00 |
 | 8.5% | ₺2,974.00 | ₺32,017.00 |
| 34,990₺ in e‑export earnings | Fee (%) | Fee (₺) | Money you get |
|---|---|---|---|
| 4.25% | ₺1,487.00 | ₺33,505.00 |
 | 14% | ₺4,724.00 | ₺30,268.00 |
++Nothing beats Cenoa.
Did you know you can earn more with every payment you receive from abroad using Cenoa? Compare us to others and see the difference for yourself!
|  | |||
|---|---|---|---|---|
| 0.99% fee ₺346.00 | 8.5% fee ₺2,974.00 | |||
| Get paid | 0.5% | Get paid | 1% | |
| Withdraw | 0 | Withdraw | 3% | |
| Withdraw in ₺ | 0.49% | Withdraw in ₺ | 4.5% | |
| ₺34,645.00 | ₺32,017.00 | |||
Open a freeUS accountin your name!
10x Lower Fees
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%. With a fee of less than 1%, you can receive your earnings from abroad and withdraw it in TRY to your Turkish bank account.
Opening a US account is easy and free
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.
Fast and Real Customer Support
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.
Powered by Stripe and Lead Bank
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.
Withdraw in Local Currency Instantly
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.
Easily Receive All Your E-Export Earnings
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.
What Does Cenoa Offer?
Transfer digital dollars (USDC) to a Cenoa account in 40+ countries for free, or directly to a bank account in Europe or the US.
Open a US account in your name in just 3 minutes. Get paid from platforms like Amazon, Etsy, Upwork and withdraw your money instantly–all with 10x lower fees.
Getting paid has never been easier!
Start earning in 3 steps
.jpg%3Fv1%3D1&w=640&q=75)
.jpg%3Fv1%3D1&w=640&q=75)
.jpg%3Fv1%3D1&w=640&q=75)
Sign up for free
Open a US account in your name
Share your account details and start earning!
Hear what others say about us!
Awesome!
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
Great
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
Global Partners
Stripe, a leading payment company with a market valuation of nearly $100 billion, holds some of the most comprehensive licenses and operates with top-tier security and regulatory compliance systems. The US bank accounts offered by Cenoa are opened through Stripe
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.
Cenoa is one of only seven startups worldwide supported by Mastercard — the leading payment technology company — through its prestigious Start Path program
Creator of USDC, with a market cap of $94 billion
Infrastructure provider acquired by Stripe for $1.1 billion
Leading software company offering business & financial management services
Top digital logistics platform offering solutions for SMEs
Global platform providing invoicing & payment collection for freelancers
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 >You’re in Safe Hands
We understand how hard you work to save, which is why keeping your savings secure is our top priority.
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 Polygon, 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.
Meet the Founders
Cenoa was founded by leaders serving more than 50 million customers globally with a vision to create equal opportunity in global trade.
Seçkin Çağlın
Cofounder, Co-CEO
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.
View profile.jpg%3Fv1%3D1&w=256&q=85)
Emre Ertan
Cofounder, Co-CEO
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.
View profile.jpg%3Fv1%3D1&w=256&q=85)
Buğra Çakmak
Cofounder, Blockchain
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.
View profile.jpg%3Fv1%3D1&w=256&q=85)
Sırrı Perek
Cofounder, Tech Lead
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.
View profileCenoa is backed by top Silicon Valley VC funds specializing in fintech...
...who also backed some of the most successful fintechs of the past decade.
FAQ
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.
No, you can create a free account on Cenoa by simply entering your phone number and a password. You can visit the App Store or Play Store to download the app.
To reach our support team, you can send an email to support@cenoa.com or contact us via the app for instant support. We will be happy to help you!