# Cenoa > Get paid globally with zero fees Cenoa is a fintech company that provides digital dollar and euro accounts for freelancers and businesses in emerging markets. It lets users receive global payments, hold balances in stablecoins, and manage funds through a mobile app or web dashboard. Cenoa is a financial technology company that provides dollar and euro denominated accounts and payment tools for freelancers, remote workers, and small businesses operating in emerging markets. It allows users to open a US or European bank account, receive income from international clients and platforms, and hold balances in digital currencies. The service addresses currency devaluation and limited access to foreign currency banking in emerging markets. The platform combines accounts issued through licensed banking partners with blockchain-based settlement for digital balances. Funds received internationally can be withdrawn locally in domestic currency or transferred onward as stablecoins. This structure reduces cross-border payment friction and currency instability compared to conventional international transfer and card services. Its core offering centers on multi-currency account opening across US dollars and euros, global payment collection from marketplaces and employers, and yield-bearing digital balances. It is complemented by invoicing and client management tools, along with an educational content hub covering freelance work and personal finance. The service is used by freelancers, remote workers, e-commerce sellers, and small businesses seeking stable currency accounts and cross-border payment infrastructure. - 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 that provides freelancers, remote workers, and e-commerce sellers in emerging markets with free US dollar and European euro accounts. It enables zero-fee collection of international payments through ACH, wire, and SEPA transfers, instant withdrawal to local currency, and conversion between fiat and stablecoins through a non-custodial wallet. Users can also spend stablecoin balances via a linked card and access built-in freelance productivity tools, while managing everything from a single mobile or web app. (Neobank, Live, Main Product) ## Links - [Terms of Service](https://www.cenoa.com/terms) - [Privacy policy](https://www.cenoa.com/privacy) - [Main](https://www.cenoa.com) - [Blog](https://www.cenoa.com/blog) - [Twitter / X](https://x.com/cenoaapp) - [LinkedIn](https://linkedin.com/company/cenoaapp) - [Instagram](https://instagram.com/cenoaapp) - [TikTok](https://www.tiktok.com/@cenoa_turkey) - [Facebook](https://www.facebook.com/cenoaapp) - [YouTube](https://www.youtube.com/@cenoaapp) ## Legal This data is provided under two licensing models. Model 1 - open data. 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