FEES
Keep more of what you actually earn.
Get a US account instantly — just your ID, no paperwork. Connect Upwork Fiverr Deel or any direct client. Withdraw to crypto whenever you want, with no surprises.
0.99%
Total fees — that's it, no surprises60s
Sign up and get your US account24/7
Access your money anytimeLet's make this personal 👇
Quick question — how do you get paid today?
Open your US account in minutes
Just your ID — no paperwork, no bank visits, no hidden fees.
Trusted by thousands of remote professionals
85x
Transaction volume growth in 6 months10x
Lower fees than Payoneer and similar services50x
Processing volume growth in 6 monthsSelected for Mastercard Start Path— one of only 7 blockchain fintechs chosen globally in 2023. Built on Stripe and Lead Bank infrastructure.
Your payments flow through Stripe and Lead Bank — the same infrastructure trusted by millions of businesses worldwide. No experimental workarounds.
Mastercard Start Path
Selected as 1 of 7 global blockchain fintechs in 2023
Stripe & Lead Bank
Real US banking rails, not risky alternatives
Full compliance
US banking rules and regulations built in
Want to learn more?
On $1,000 received: Payoneer charges up to $85 in fees. Cenoa charges under $10. That's $75+ more in your pocket every single payment.
| Cenoa | Payoneer | |
|---|---|---|
| Receive fee | 0.5% | Up to 3% |
| Withdrawal fee | ~0.5% | Up to 2% |
| Exchange rate markup | Minimal | Up to 3.5% |
| Total on $1,000 | ~$10 | Up to $85 |
Calculate your savings
"Switching from Payoneer saved me over $200 monthly. Setup took 5 minutes with just my passport."
Ahmed K.
Freelance Developer · Works with US clients
Why your current payment method costs you more
Every $1,000 you earn, traditional services quietly take $50-85. Over a year of regular payments, that's thousands lost to fees you don't need to pay.
| Feature | Cenoa | Payoneer | Banks |
|---|---|---|---|
| Total fees | Under 1% | Up to 8.5% | 5-10%+ |
| Account setup | 3 minutes | 1-3 days | In-person |
| Transfer speed | Minutes | 1-3 days | 3-5 days |
| Crypto withdrawal | Yes (USDC) | ||
| Real live support | Limited | Limited |
Traditional services use old banking networks that charge at every step. Cenoa uses blockchain settlement to skip those middlemen — so you keep more.
It's not a trick or hidden catch. It's just better infrastructure built for how modern freelancers actually work.
Learn more about the difference
Everything you need to get paid globally
US Account in Minutes
Open with just your ID, receive ACH payments right away
Platform Integration
Works with Upwork, Fiverr, Amazon, Etsy, Deel and more
Digital Dollar Card
Spend globally with Apple Pay and Google Pay support
USDC Crypto Withdrawal
Withdraw to your own crypto wallet anytime
P2P Transfers Free
Send to other Cenoa users instantly at no cost
Real Live Support
Get help from real humans when you need it
Add your Cenoa US account details to your freelance platform or send them to your client. Payments arrive in 1-3 business days just like any US bank.
Supported platforms: Amazon, Etsy, Shopify, Wayfair, Walmart, Upwork, Fiverr, Deel, PayPal, Wise, and any client who can pay via ACH.
More about receiving
Your Cenoa card (powered by RedotPay) works globally for online and in-person purchases. Add it to Google Pay for contactless payments anywhere.
Spend your dollars directly without converting to local currency first — great for subscriptions, travel, and global shopping.
Card questions
Convert your balance to USDC and withdraw to any Polygon wallet. Transfers typically complete in 15-45 minutes directly to your own wallet.
This gives you full control over your funds in a stable digital dollar — no banks, no intermediaries, just you and your crypto.
Crypto questions
Your questions, answered
We know you have questions before trusting a new platform with your income. Here are the honest answers.
Your US account is held at Lead Bank through Stripe's Bridge — real US banking infrastructure subject to US banking regulations. This isn't an experimental setup.
Cenoa itself operates on a non-custodial model— meaning you control your wallet. Your funds aren't sitting in Cenoa's accounts.
Security questions
Monthly limit: $150,000 for receiving payments. Single payment limit: $4,000 from accounts not in your name (like marketplaces). Amounts over this are automatically returned.
For most freelancers and remote workers, these limits are more than enough. If you need higher limits, business accounts are available.
Limit questions
Individual accounts: about 3 minutes with just your ID. Business accounts take 3-7 days as they require additional verification through Bridge.
This is honest setup time — faster than banks or Payoneer, but not completely instant. Plan accordingly for your first payment.
Setup questions
Cenoa Pte. Ltd. is a technology company selected for Mastercard Start Path (2023) — one of only 7 blockchain fintechs globally. Partners include Stripe, Lead Bank, Circle (USDC), and RedotPay.
Not a bank — a fintech platform using trusted partners for the actual financial infrastructure. Clear separation of responsibilities.
Company questions
Keep more of what you earn — starting today
Every payment you receive through traditional services costs you money. On $1,000, that's $75+ lost to fees you could keep.
Open your free US account today
Just your ID. No paperwork. Start receiving payments from global clients and platforms with under 1% fees.
