Cenoa is a non-custodial wallet. Your funds are yours, not held by Cenoa. The platform is powered by Stripe and Lead Bank infrastructure, and was selected for Mastercard Start Path 2023 as one of only 7 fintechs globally. Smart contracts are audited by CertiK.
Cenoa gives you a US account to receive international payments with under 1% fees.
Open your free US account in 3 minutes with just your ID. Get paid from Upwork, Fiverr, Deel, or direct clients. Withdraw to your local bank instantly.
3 reasons Cenoa works for Nigerian freelancers
Stop losing 8% per payout
Total fees under 1%. No hidden FX markups, no annual fees.
Your US account in 3 minutes
Just your ID. No company needed. No paperwork. No waiting days.
No freezes. No blocked funds
Non-custodial wallet. Your money stays yours. Withdraw anytime.
What Nigerian freelancers say about Cenoa
"I started using it because of the lower fees but I've stayed because of the amazing experience across board. Being able to deposit and send crypto has really made moving money easy."
How your payouts change with Cenoa
Cenoa
Payoneer
Receiving fee
0.5%
Up to 3%
Withdrawal fee
0.49%
Up to 5.5%
Total cost
Under 1%
Up to 8.5%
Account opening
Free, 3 min
$30, days
Transfer speed
Minutes
1-3 days
From where you are today to getting paid with less fees
Step 1: Download and verify
Download Cenoa. Verify with your ID. Your US account is ready in 3 minutes.
Step 2: Connect your platforms
Add your Cenoa US account details to Upwork, Fiverr, or share with clients.
Step 3: Get paid, withdraw
Receive USD. Withdraw to your local bank, crypto wallet, or spend with your card.
Common questions from Nigerian freelancers
Is Cenoa safe for my money?
How do I withdraw to my Nigerian bank account?
You can withdraw your USD as USDC to any crypto wallet. From there, convert to Naira through your preferred local exchange. Transfers to crypto wallets typically complete in 15 to 45 minutes. You can also use your Cenoa dollar card for spending.
Can I receive from Upwork, Fiverr, and direct clients?
Yes. Your Cenoa US account works with Upwork, Fiverr, Deel, Appen, Toptal, Amazon, Etsy, and any client who can send ACH or wire transfers. Just add your Cenoa account details as your payout method on any platform.
Does my balance earn interest?
Yes. Your USD balance earns up to 3% APY automatically. Interest accrues daily and compounds. No lock-up period. Withdraw anytime with your full balance and earned interest. Your savings stay in digital dollars, protected from local currency devaluation.
Trusted by freelancers who work with
<0%<1%
Total fees on international payments0 min3 min
To open your free US account000K+500K+
Global users trust Cenoa