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GET PAID IN FULL
WITH CENOA.
Those who value their money choose Cenoa
to maximize their earnings across all platforms.
| $1,000 payment received | Fee (%) | Fee (₺) | Money you get |
|---|---|---|---|
| 0.99% | ₺346.00 | ₺34,645.00 |
 | 8.5% | ₺2,974.00 | ₺32,017.00 |
| $1,000 payment received | Fee (%) | Fee (₺) | Money you get |
|---|---|---|---|
| 4.25% | ₺1,487.00 | ₺33,505.00 |
 | 14% | ₺4,724.00 | ₺30,268.00 |
++Get paid from Amazon, Etsy, Upwork and withdraw in local currency
–10x lower fees than Payoneer & others!
Smartest way to buy dollars
Buy & sell at market rates. Earn returns on your dollar balance.
Nothing beats Cenoa.
Did you know you can earn more with every payment you receive from abroad using Cenoa? Compare us to others and see the difference for yourself!
Based on the rate of 1 USD = 34.99 TRY.
|  | |||
|---|---|---|---|---|
| 0.99% fee ₺346.00 | 8.5% fee ₺2,974.00 | |||
| Get paid ($) | 0.5% | Get paid (₺) | 1% | |
| Withdraw | 0 | Withdraw | 3% | |
| Convert to ₺ | 0.49% | Convert to ₺ | 4.5% | |
| ₺34,645.00 | ₺32,017.00 | |||
Open aUS bank accountin your name!
10x Lower Fees
With Cenoa, you can instantly convert received payments into your local currency and withdraw them to your local bank account, all with fees under 1%.
Instant Withdrawals, No Delays
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.
24/7 Fast and Real Customer Support
Download the app and enjoy 24/7 support from real people, not bots, with just one click! You can also reach us anytime by emailing support@cenoa.com.
No Freeze Zone
Your funds at Cenoa cannot be blocked or frozen – because no one else, including Cenoa, has access to your account. Once your deposit is completed, it moves to a wallet that only you have control over.
5% Annual Yield
Every minute, you earn a breakdown of 5% per annum on your available balance. Who says no to extra money?
No High Minimums
You can withdraw as little money as you need from Cenoa – there are no minimum limits!
Best way to buy/sell the dollars you invest
Transparent rates you can trust as you grow your dollars with Cenoa.
| Buy $ | ... | |
| Sell $ | ... |
What Does Cenoa Offer?
Buy/sell dollars with 5x lower costs. Fixed 24/7, 1% spread, 0 commission.
Send dollars to a Cenoa account in 40+ countries for free, or directly to a bank account in Europe or the US.
Earn 5% annual yield on your dollar balance. View and withdraw your earnings at any time you need.
Open a US bank 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.
Get a virtual or physical card through our partner Redotpay and start spending instantly with Apple Pay and Google Pay.
Why is Cenoa the Smartest Way to Buy Dollars?
You can buy and sell dollars on Cenoa with just a 1% spread, instead of paying ~10% fees to banks.
Tired of fluctuating rates in the evenings or on holidays? We don’t do that here. Our rates stay fixed 24/7.
At Cenoa, your savings benefit you, not the banks! You pay no commissions or hidden fees on any transaction.
Getting paid has never been easier!
Start earning in 3 steps
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Sign up for free
Open a US bank account in your name
Share your IBAN and start earning!
What are 400,000+ users saying about Cenoa?
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
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.
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
Meet the Founders
Cenoa is built by executives who managed global businesses with 50+ million customers
Seçkin Çağlın
Cofounder, Co-CEO
14 years experience building and distributing financial products in >10 countries
View profile.jpg%3Fv1%3D1&w=256&q=85)
Emre Ertan
Cofounder, Co-CEO
15 years experience building & scaling global consumer technology products
View profile.jpg%3Fv1%3D1&w=256&q=85)
Buğra Çakmak
Cofounder, Blockchain
14 years engineering experience building military-grade cybersecurity and backend applications
View profile.jpg%3Fv1%3D1&w=256&q=85)
Sırrı Perek
Cofounder, Tech Lead
14 years experience as software engineer building consumer tech products used by billions
View profileOur investors are top global VCs...
...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.
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
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FAQ
Cenoa is an innovative digital dollar account application for global payments, founded in 2022 by professionals with senior management backgrounds in companies such as Facebook, Google, GarantiBBVA, Getir and developed by internationally experienced engineers.
Cenoa, which has so far received 7 million dollars of investment from leading investors and reached more than 400,000 users worldwide, collaborates with leading financial companies such as Mastercard, Lead Bank, Stripe and Circle.
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.
Here's how Cenoa can benefit you:
Dollar trading: You can buy and sell 24/7 with only 1% spread.
International money transfer: You can transfer money instantly to more than 40 countries.
American bank account: In just 3 minutes, you can open a US bank account in your own name and instantly receive dollar payments from platforms such as Amazon, Etsy, Shopify, Upwork and Fiverr, as well as from US customers.
Yield on dollar balance: You can earn a 5% annual return on your dollar balance—no conditions required.
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!