Get paid globally. Keep 100% of your income.
Your US account runs on Stripe's Bridge and Lead Bank — the same infrastructure trusted by millions. Selected for Mastercard Start Path 2023. Zero commission to receive payments.
Trusted infrastructure. Zero commission. 💰
Stop losing 5-8% of the income you earn from abroad.
Payoneer charges up to 8.5% in total fees. Banks take even more. Cenoa charges zero commission to receive your payments — whether from Upwork, Fiverr, Deel, or direct clients.
0%
Commission on receiving your income3 min
Open your US account with just your IDFree
Crypto withdrawal to your own walletZero commission to receive
Your full payment lands in your account. No hidden deductions.
US account in 3 minutes
Just your ID. No paperwork. No company needed.
Free crypto withdrawal
Withdraw as USDC to your own wallet anytime.
EGP withdrawal coming soon
Direct to your Egyptian bank account. Almost ready.
Why thousands of freelancers trust Cenoa with their income
Stripe & Lead Bank
Real US banking infrastructure — your account is held at Lead Bank through Stripe's Bridge, subject to US banking regulations.
Mastercard Start Path 2023
1 of only 7 blockchain fintechs selected globally — rigorous vetting of security and technology.
Non-custodial model
You control your wallet and private keys — Cenoa cannot freeze or access your funds.
Get started in 3 steps
1. Set up your US account
Have your ID and a proof of international payment ready — like a platform screenshot or invoice. No company needed.
2. Verify your ID — 60 seconds
Lightning-fast KYC through Persona, Cenoa's trusted partner. Your information is SSL-secured and safe.
3. Get your bank details
Your routing number, account number, and beneficiary name — ready to add to Upwork, Fiverr, or share with clients.
Your first payment arrives in 1-3 business days after your platform or client sends it. Standard US ACH timing — same as any US bank.
Trusted by thousands of remote professionals
85x
Transaction volume growth in 6 months10x
Lower cost than Payoneer and similar services50x
Processing volume growth in 6 monthsOn $1,000 received: Payoneer charges up to $85 in total fees. With Cenoa, you pay zero commission to receive. That's $85 more staying in your pocket. Plus, EGP bank withdrawal is coming very soon.
Calculate your savings
Every $1,000 you earn from abroad, traditional services quietly take $50-85 in fees. With Cenoa's zero commission model, that money stays yours.
Traditional services use old banking networks that charge at every step. Cenoa uses blockchain settlement to skip those middlemen. So you keep everything.
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
"Switching from Payoneer saved me over $200 monthly. Setup took 5 minutes with just my passport."
Ahmed K.
Freelance Developer · Works with US clients
Everything you need to get paid globally with zero commission
US Account in Minutes
Open with just your ID, receive payments with zero commission
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). 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
Your next payment should cost you nothing to receive
Every $1,000 you receive through Payoneer costs you $50-$85 in fees while Cenoa charges zero. That's not a fee, that's a tax on your talent.
You worked for it. Now keep it.
Open your free US account in 3 minutes with just your ID. Zero commission to receive your income. Backed by Stripe & Mastercard. Thousands of freelancers already switched.