Users Enabled
Origin Markets
API Integration
Cenoa is a zero-fee global payments platform built for freelancers and solopreneurs worldwide. It allows professionals to open free US, EU, and UK bank accounts, collect income from global clients or platforms like Upwork, Fiverr, Deel, and Stripe, and withdraw earnings in local currency. Founded by operators from Getir, GarantiBBVA, McKinsey, Google, and Facebook, and backed by top Silicon Valley fintech investors, Cenoa has grown to over 500,000 users across 40+ countries since its launch.
Cenoa was built for professionals in markets that most platforms overlook — places where fees run high and cross-border access is limited. Turkey, Nigeria, Pakistan, and Egypt are its four primary origin markets, each with meaningful complexity around international money movement.
As Cenoa scaled its user base across Turkey, Nigeria, Pakistan, and Egypt, one gap defined the ceiling on what it could offer: its payout infrastructure limited what it could offer professionals who needed to move money internationally.
Users on the Cenoa platform could collect income and withdraw locally, but had no way to send money abroad. For freelancers who needed to pay internationally or transfer funds across borders, the platform had a hard ceiling on what it could support.
Cenoa had not previously integrated with a SWIFT payout provider. Building this capability required a partner who could support payouts originating from Turkey, Nigeria, Pakistan, and Egypt, corridors many providers either exclude or treat as high-friction corridors.
These markets carry controls on cross-border capital flows. Most payment service providers either avoid these origins or add significant compliance overhead to transfers originating there. Cenoa needed a partner willing and capable of supporting these corridors at scale for individual professionals.
Tazapay gave Cenoa a single integration to enable global SWIFT payouts, extending the platform's capabilities beyond local withdrawal to full international money movement.
Tazapay's SWIFT payout infrastructure allows Cenoa's users to send money to recipients anywhere in the world. Where users were previously limited to local withdrawals, they can now transfer internationally through a single Cenoa integration backed by Tazapay's payout rails.
Tazapay supports payouts originating from Turkey, Nigeria, Pakistan, and Egypt, giving Cenoa's professionals the same international reach as users on platforms built in markets with fewer restrictions.
The Tazapay team supported Cenoa through a straightforward onboarding process. The integration was completed without friction, allowing Cenoa to move from implementation to live payouts without friction or delay.
Step 1. A Cenoa user receives payment into their Cenoa wallet from an international client or platform.
Step 2. The user initiates an international transfer through the Cenoa app.
Step 3. Cenoa routes the payout request to Tazapay via API.
Step 4. Tazapay processes the transfer over SWIFT, reaching the beneficiary's bank account in the destination country.
Step 5. Funds settle to the beneficiary in the destination currency global reach from a single platform.
"Tazapay has enabled us to bring international SWIFT payouts directly into the Cenoa app, giving our hundreds of thousands of users the ability to send USD to bank accounts worldwide and withdraw their balances seamlessly. For freelancers, entrepreneurs, remote workers, and businesses, it unlocks greater freedom to operate, get paid, and grow beyond borders."
Cenoa's freelancers and solopreneurs in Turkey, Nigeria, Pakistan, Egypt, and beyond can now move money internationally from the same app they already use to get paid. The geographic ceiling that previously limited the product has been removed through a single integration with Tazapay.
As Cenoa continues to expand its reach across 40+ countries and grow its user base of professionals in emerging markets, the Tazapay infrastructure is built to scale alongside it. New corridors and payout capabilities can be added without rebuilding the core integration, giving Cenoa a flexible foundation as demand for international transfers grows across its user base.
%20(1).png)
Cenoa is a global payments platform that helps freelancers and businesses receive, hold, and move money across borders with zero fees.
Global Remittance
