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.

Trusted by freelancers who work with

<1%

Total fees on international payments

3 min

To open your free US account

500K+

Global users trust Cenoa

3 reasons Cenoa works for Nigerian freelancers

01

Stop losing 8% per payout

Total fees under 1%. No hidden FX markups, no annual fees.

02

Your US account in 3 minutes

Just your ID. No company needed. No paperwork. No waiting days.

03

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."

Ahmad Tijani Bashorun

Freelancer · Trustpilot Review

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

01

Step 1: Download and verify

Download Cenoa. Verify with your ID. Your US account is ready in 3 minutes.

02

Step 2: Connect your platforms

Add your Cenoa US account details to Upwork, Fiverr, or share with clients.

03

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?

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.

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.

You have seen how Cenoa saves Nigerian freelancers money on every payout.