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.
Trusted by 500,000+ users worldwide — now in Pakistan 🇵🇰
You earned it. Why should anyone else take a cut?
Cenoa gives you a real US account in 3 minutes. Get paid from Upwork, Fiverr, Deel, or direct clients with zero commission. Your income finally stays your income.
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Meet Cenoa
Trusted by thousands of freelancers who got tired of losing money 💸.
0%
Commission on receiving your income
3 min
To open your free US account
85×
Transaction growth in just 6 months
“Switching from Payoneer saved me over $200 monthly. Setup took 5 minutes with just my passport.”
Ahmed K., Freelance Developer at Works with US clients
“Finally, a service that actually shows me the fees upfront. No surprises, no hidden costs. My income stays my income.”
Sara M., UX Designer at Upwork Top Rated
“The crypto withdrawal option is a game changer. I can access my USDC in under an hour whenever I need it.”
Omar H., Remote Consultant at Deel contractor
From zero to getting paid in 3 steps 🚀
1. Download & sign up in seconds
Free on App Store and Google Play. Register with your email and phone number.
2. Verify with just your ID
Snap a photo of your passport or national ID. Verification takes about 60 seconds — and your US account is ready.
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. ✌️
One app. Every way to use your money.
Receive payments, hold dollars, withdraw as crypto, spend with a digital dollar card, or send to friends — all from your phone.
Zero commission receiving
Get paid from any platform or client. Your full payment lands in your account.
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 🔒
Your money runs on Stripe, Lead Bank & Mastercard.
This isn't an experiment. 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 (USDC issuer), and RedotPay.
Your next payment should cost you nothing to receive ✨
You did the work. Time to keep the money.
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.
You worked for it. Now keep it. 💰
Open your free US account in 3 minutes. Zero commission to receive your income. Backed by Stripe & Mastercard.