# Cenoa

> The smartest way to get paid globally

Cenoa helps users in emerging markets protect their savings from currency devaluation by providing access to US dollar-backed digital accounts with yield.

Cenoa helps freelancers and businesses in emerging markets access dollar-based financial products through blockchain technology. With it, you can open US accounts, receive payments from global platforms, and earn yield on digital dollars. Cenoa targets users in countries with high inflation and currency instability, offering an alternative to traditional banking with lower fees and global accessibility.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2022-03-01
- Profile: https://thegrid.id/profiles/cenoa

## Products

- [Cenoa](https://thegrid.id/profiles/cenoa): Cenoa is a digital banking app for freelancers, remote workers, and e-commerce sellers in emerging markets, providing free US and EU bank accounts, zero-fee international payment collection from platforms like Upwork, Fiverr, and Stripe, instant local currency withdrawals in multiple countries, and USDC yield. (Neobank, Live, Main Product)

## Links

- [Main](https://www.cenoa.net)
- [Blog](https://www.cenoa.net/blog)
- [Terms of Service](https://www.cenoa.com/terms)
- [Privacy policy](https://www.cenoa.com/privacy)
- [Twitter / X](https://x.com/cenoaapp)
- [LinkedIn](https://linkedin.com/company/cenoaapp)
- [Instagram](https://instagram.com/cenoaapp)
- [LinkedIn](https://www.youtube.com/@cenoaapp)
- [TikTok](https://www.tiktok.com/@cenoa_turkey)
- [Facebook](https://www.facebook.com/cenoaapp)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP