Cenoa
- Company typePrivate
- Founded2022
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
Cenoa firmographics
Firmographics- Name
- Cenoa
- Legal name
- Cenoa Pte. Ltd.
- Website
- https://cenoa.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Cenoa industry classification
Industry- Product category
- Cross-Border Digital Payments
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
- akta.pro secondary industries
- Crypto Custody & Exchange Wallet Services (Integrated) (FSADAAAG), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD)
Keywords
Where Cenoa is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Cenoa business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Optional yield generation: Users can optionally participate in yield generation by designating digital assets to smart contracts on decentralized finance protocols. Yield is distributed according to smart contract terms and varies over time. Participation is optional and users can withdraw from yield programs at any time.
- Zero-fee structure (current): Currently no commissions for deposits, withdrawals, and conversions. The disclaimer states this is not a perpetual promise and Cenoa may introduce commissions in the future if seen necessary.
- US dollar debit cards (planned): Plans to introduce US dollar debit cards within 18 months as announced in seed funding press releases.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free account with all core features |
| Hybrid | Pay-as-you-go | Yield on balance (optional) |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels8 records
Cenoa product offering
Product offeringCore offering
Cenoa operates a mobile-first, non-custodial digital wallet that lets users open US, EU, and UK bank accounts, receive international payments with zero transaction fees, hold USDC/USDT stablecoins, withdraw funds in local currency to domestic bank accounts within minutes, and optionally earn yield on balances via decentralized finance protocols. The company also offers Freelancer Autopilot, an AI-powered suite with autonomous agents and tools (contract reviewer, project scope analyzer, rate calculator) that help freelancers find clients and automate workflows.
Product overview
Cenoa is a mobile-first fintech super wallet that combines blockchain-based stablecoin infrastructure (USDC/USDT) with traditional banking services (US/EU/UK accounts via Stripe/Bridge) to enable borderless digital dollar access for emerging market users. The core Cenoa Digital Wallet provides zero-fee international payment reception, local currency withdrawal, and optional yield generation. The Freelancer Autopilot module extends the platform with AI-powered autonomous agents and 20+ financial/business tools including AI rate calculators, contract reviewers, project analyzers, and business templates, creating a unified financial management platform for freelancers and remote workers.
Differentiator
Problem solved
Functional benefit
Brands
- Freelancer Autopilot: AI-powered tools and workflows for freelancers to find clients, write proposals, and automate freelance income management.
Products and services
- Cenoa Digital Wallet A non-custodial blockchain-based mobile wallet for individuals in emerging markets that lets users open US, EU, and UK bank accounts in approximately 3 minutes, receive international payments with zero transaction fees, hold USDC/USDT stablecoins issued by Circle, withdraw funds in local currency to domestic bank accounts within minutes, and optionally earn up to 3% annual yield on balances via DeFi protocols. Banking infrastructure is provided by Stripe (Bridge) and Lead Bank.
- Freelancer Autopilot An AI-powered feature suite within Cenoa providing autonomous agents that find clients, write proposals, and automate freelance workflows, alongside 20+ financial and business tools including AI rate calculators, contract reviewers, project scope analyzers, fee calculators, and business templates, targeted at freelancers globally.
Quantifiable outcome
- Users save ~$660/year compared to Payoneer on $5,000 monthly income
- +4 more outcomes
Companies that use Cenoa
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Cenoa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature6 records
Cenoa partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and flagship.
- Mastercard Start PathcoreSelected as 1 of 7 startups globally for Mastercard's Start Path Blockchain and Digital Assets program in 2023. Provides access to Mastercard's ecosystem and scaling support for blockchain innovations.
- Stripe (Bridge)coreAccounts are opened by Bridge, an infrastructure provider acquired by Stripe for $1.1 billion. Stripe is a payments company valued at nearly $100 billion providing banking infrastructure and compliance systems.
- CirclecoreCenoa wallets operate with USDC issued by Circle. Circle reached a market capitalization of $75 billion as of 2026. USDC is a dollar-pegged stablecoin used for digital dollar transactions.
- UpworkflagshipPlatform integration allowing freelancers to receive payments directly from Upwork through Cenoa's US bank account feature.
- FiverrflagshipPlatform integration for receiving payments from Fiverr freelance marketplace.
- DeelflagshipIntegration with Deel for remote worker payroll and contractor payments.
- WiseflagshipFeatured alongside Wise in payment comparisons as alternative for international payments.
- RuulflagshipPartnership for transforming freelance payments with digital dollars. Ruul provides invoicing and payment collection for freelancers, integrated with Cenoa for seamless dollar payments.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
Cenoa competitors and assessment
Company assessmentDirect peers
- Deel: Deel is a payroll and contractor-payment platform for remote workers, and is both a Cenoa integration partner and a partial competitor for remote-worker payment flows. They overlap on helping international contractors receive USD-denominated payments efficiently.
- Yellow Card: Yellow Card is a pan-African crypto exchange and payments platform operating across 20+ African countries, offering stablecoin on/off ramps and cross-border payments. It directly overlaps with Cenoa's emerging-market dollar-access value proposition in Africa.
- Bitnob: Bitnob is a Nigeria-focused Bitcoin and stablecoin payments platform serving African freelancers and businesses with dollar-access and remittance services. It is one of Cenoa's closest direct competitors for the same Nigerian and pan-African user base.
- Payoneer: Payoneer is the incumbent cross-border payment platform for freelancers, marketplaces, and SMBs, charging 1-3% on receiving plus maintenance fees. Cenoa explicitly benchmarks against Payoneer on its homepage, and they serve substantially overlapping customer segments (Upwork, Fiverr, Amazon sellers).
- Chipper Cash: Chipper Cash provides cross-border mobile money and payments services across Africa. It targets similar demographics to Cenoa (emerging-market users needing cheap international transfers) with a different rails approach.
- Bitso: Bitso is the largest crypto exchange in Latin America with USDC integration and cross-border payment capabilities. It targets a regional overlap with Cenoa's Brazil/LATAM presence and shares the USDC stablecoin rails.
- Wise: Wise provides multi-currency accounts and low-cost international transfers, and is featured in Cenoa's own comparison tables. Both target users who need cheap, fast cross-border payments, though Wise's strength is more developed-market-to-developed-market while Cenoa focuses on emerging-market recipients.
Broad incumbents
- Revolut: Revolut is a global neobank offering multi-currency accounts, international transfers, and crypto services. While it serves a more developed-market customer base, its multi-currency wallet and crypto features make it a comparable superwallet offering at scale.
- PayPal: PayPal (including Xoom) is the broadest incumbent in cross-border consumer payments with a 7-9% fee structure that Cenoa explicitly undercuts. While PayPal is far larger and broader, it competes directly for freelancer marketplace payments (Upwork, Fiverr integrations are visible on Cenoa's site).
Emerging players
- Nala: Nala is a remittance platform originating payments from the UK and US to African countries, with a focus on mobile money rails and stablecoin settlement. It overlaps with Cenoa's emerging-market remittance and dollar-access use cases, particularly in Nigeria and East Africa.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Cenoa social profiles
Digital presenceCenoa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cenoa leadership team
Management profileNumber of profiles
Profiles9 records
Cenoa funding detail
Funding detailFunding overview
Funding rounds1 record
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cenoa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cenoa
What does Cenoa do?
Cenoa operates a mobile-first, non-custodial digital wallet that lets users open US, EU, and UK bank accounts, receive international payments with zero transaction fees, hold USDC/USDT stablecoins, withdraw funds in local currency to domestic bank accounts within minutes, and optionally earn yield on balances via decentralized finance protocols. The company also offers Freelancer Autopilot, an AI-powered suite with autonomous agents and tools (contract reviewer, project scope analyzer, rate calculator) that help freelancers find clients and automate workflows.
Is Cenoa a public or private company?
Cenoa is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cenoa founded?
Cenoa was founded in 2022. It employs 11 to 50 people.
Where is Cenoa based?
Cenoa is headquartered in Singapore, Singapore, in the Asia region.
How does Cenoa make money?
Three revenue lines are on record. Optional yield generation is the primary driver. The others are zero-fee structure (current) and US dollar debit cards (planned).
Who are Cenoa's main competitors?
Direct peers on record are Deel, Yellow Card, Bitnob, Payoneer, Chipper Cash, Bitso and Wise. Broad incumbents are Revolut and PayPal. Nala is listed as an emerging player.
Does Cenoa have an API?
No public API is recorded for Cenoa.
What industry is Cenoa in?
Cenoa's product category is Cross-Border Digital Payments. Its primary akta.pro industry code is FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value), with a secondary code of FSADAAAG, Crypto Custody & Exchange Wallet Services (Integrated). Its SIC code is 6200.