You're Earning in Dollars. Why Are You Losing 8.5% of It?
Over 2 million Egyptians now freelance globally. If you're one of them, platforms like Payoneer and PayPal are taking up to 8.5% of every payment you receive — that's $85 gone on every $1,000.
Cenoa gives you a free US account in your name. Total fees: 0.99%. On that same $1,000, you keep $990 instead of $915.
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How do you mostly receive your income from abroad?
What Egyptian freelancers save with Cenoa
$1,802
Saved per year vs Payoneer ($2K/mo income)0.99%
Total fees — receiving + conversion$0
Account opening & monthly fees
"I used to lose over $80 on every $1,000 payment through Payoneer. With Cenoa, I keep almost everything. The difference adds up fast."
Ahmed K.
Freelance Developer · Upwork
Your US account runs on Stripe and Lead Bank infrastructure — the same systems powering millions of businesses worldwide.
Cenoa was selected for Mastercard Start Path— one of only 7 fintechs globally in the blockchain category.
Want to know more about Cenoa's partners?
50x
Volume growth in 6 months50K+
Users across markets5/5
Apple App Store ratingTens of thousands of freelancers and remote workers already trust Cenoa for their international income— and the number grows every week.
Curious about more stats?
Where your money actually goes in Egypt
PayPal charges Egyptian freelancers 8.5% total— plus a 30-day hold on your funds and Visa-only withdrawals. Payoneer? Same 8.5%. Wise? No card in Egypt.
Earning $2,000/month? Switching from Payoneer to Cenoa saves you $1,802 per year— verified from Cenoa's published fee comparison for Egyptian freelancers.
Payoneer charges up to 8.5% total when you factor in receiving fees, currency conversion, and withdrawal costs. Cenoa's total cost stays under 1%.
Questions about switching from Payoneer?
Switching takes 3 minutes. Saving $1,800/year lasts forever.
Open your free US account now — total fees under 1%, no holds, no frozen accounts.
Your Egypt-Ready Financial Toolkit
Free US Account
Open a US account in your name in 3 minutes — just your ID. Receive payments from Upwork, Fiverr, Deel, or any client.
Your Account, Never Frozen
Non-custodial wallet means you're always in control. No blocks, no holds, no surprises — your money is yours, period.
Real Human Support
Stuck on something? Talk to a real person — not a chatbot. Live support from people who actually understand freelancer life.
Crypto Withdrawal
Withdraw USDC to any Polygon wallet — 15 to 45 minutes, zero Cenoa fees. Your money, your way.
Dollar Card
Spend your USD directly with a digital or physical card. Works with Apple Pay and Google Pay — no conversion needed.
Hold USD, Beat Inflation
Keep your income in digital dollars and protect it from EGP swings. Earn up to 3% APY while your money sits.
Your Cenoa US account works with any platform that supports US bank transfers: Upwork, Fiverr, Deel, Amazon, Etsy, Shopify, and direct client payments.
You can also connect it to PayPal, Wise, or Payoneer accounts to consolidate your income in one place.
Need help connecting a specific platform?
Your Cenoa balance is held in USDC— a digital dollar backed 1:1 by Circle, a US-regulated company. You can withdraw USDC to any Polygon wallet.
Withdrawal takes 15–45 minutes and Cenoa charges zero fees for it. Only standard blockchain network fees apply.
More about crypto features?
The Cenoa Dollar Card (powered by RedotPay) lets you spend your USD balance directly — online shopping, subscriptions, POS terminals, and more.
Available as digital (instant) or physical card. Works with Google Pay for easy contactless payments.
Questions about the card?
Your questions, honest answers
Cenoa is a fintech platform— not a bank. That's actually how we keep fees so low. Your funds are held as USDC, backed 1:1 by Circle (a US-regulated company).
Cenoa uses a non-custodial wallet— meaning you have full control of your funds. Nobody, not even Cenoa, can freeze or access your money.
Smart contracts are audited by CertiK and all communications are encrypted with 256-bit SSL. Your account is protected by PIN and biometric authentication.
More about security?
Honest answer: 3–5 minutes for most people. You download the app, verify your ID (passport or national ID), and your US account is ready.
One thing to note: you'll get a 12-word recovery phrase during setup. Save it somewhere safe— it's your backup key. Cenoa can't recover it for you.
Setup questions?
Monthly limit: $150,000 total. Individual payments from non-registered sources are capped at $4,000 (above that, it auto-refunds).
Payments from the US typically arrive in 1–3 business days (standard ACH timing). Cenoa-to-Cenoa transfers are instant and free.
Questions about limits?
Cenoa works through licensed partners in every market. Your US account is held at Lead Bank, subject to US banking regulations. All KYC and AML requirements are fully met.
The USDC in your wallet is issued by Circle — a US-regulated financial institution. Your digital dollars are backed 1:1 by real reserves.
More about compliance?
Real live support— not chatbots. Reach the Cenoa team through in-app chat, email ([email protected]), or phone. Available when you need them.
Need to reach support now?
A freelancer earning $2,000/month loses $2,040/year to Payoneer or PayPal fees. With Cenoa, that drops to $237. That's $1,802 back in your pocket — every single year.
Keep $990 out of every $1,000 you earn
Free US account. Under 1% total fees. No holds, no frozen accounts. Setup takes 3 minutes with your ID.
