Your US account is held at Lead Bank through Stripe's Bridge — real US banking infrastructure subject to US regulations. Cenoa operates on a non-custodial model, meaning you control your wallet and private keys. Nobody at Cenoa can freeze or access your funds.
Now available in Indonesia 🇮🇩
Get paid from clients abroad and keep 100% of it.
Now live in Indonesia. Open a real US account in 3 minutes with just your KTP, get paid from Upwork, Fiverr, Deel, or direct clients with zero commission, and cash out to your local bank in Rupiah.
Get paid from
From zero to getting paid in 3 steps 🚀
1. Verify with just your ID
Snap a photo of your passport or KTP. Verification takes about 60 seconds — and your US account is ready.
2. Add or share your US account
Add your new US account details to the platforms you get paid on, or share them directly with your clients.
3. Get paid — zero commission
Your first payment arrives in 1-3 business days. Standard ACH timing, just like any US account. You keep everything.
Everything your income needs. Nothing it doesn't. ✌️
Zero commission receiving
Get paid from any platform or client. Your full payment lands in your account.
Withdraw to your local bank
Cash out to your local bank account in IDR, straight from the app. Fast and simple.
Crypto withdrawal
Withdraw as USDC to any Polygon wallet. 15-45 minutes. Full self-custody.
Digital dollar card
Spend globally with Google Pay. Online and in-person. No annual fee.
Free P2P transfers
Send to other Cenoa users instantly. Just a phone number. Zero cost.
Built on infrastructure you already trust 🔒
This isn't an experiment. Your money runs on proven rails.
Your US account lives at Lead Bank through Stripe's Bridge — the same infrastructure trusted by millions of businesses worldwide. And Cenoa was selected as 1 of only 7 blockchain fintechs globally for Mastercard Start Path 2023.
Non-custodial wallet
You control your keys. Cenoa can't freeze or access your funds. Ever.
CertiK audited
Smart contracts independently verified by one of the world's top security firms.
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Real answers to real questions 💬
Is my money actually safe with Cenoa?
Zero commission sounds too good — what's the catch?
No catch. Cenoa uses blockchain settlement to skip the expensive banking middlemen that make traditional services costly. The only cost is a small transparent spread when you convert currency. Receiving your income is always free.
Are there any limits I should know about?
Monthly receiving limit is $150,000. Single payment limit is $4,000 from accounts not in your name (like marketplaces). For most freelancers, these limits are more than enough. Business accounts available for higher needs.
Who is behind Cenoa?
Cenoa Pte. Ltd. was founded by ex-Google, ex-Amazon, ex-Meta, and ex-BBVA engineers who built large-scale fintech systems handling $100B+ in annual volume. Selected for Mastercard Start Path 2023. Partners include Stripe, Lead Bank, Circle, and RedotPay.
Your next payment should cost you nothing to receive ✨
You worked for it. Now keep it. 💰.
Every day you wait is another payment where someone else takes a cut. Open your free US account in 3 minutes and start receiving your income with zero commission. Backed by Stripe & Mastercard.
Trusted by thousands of freelancers who got tired of losing money 💸
Works with your favorite platforms