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Move Money.Move Business.

One account for you and your business. Send and receive across Africa, convert at live rates, pay bills, top up airtime and data, book flights, spend with virtual cards and move USDC.

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Ada Okafor Good morningAda OkaforCenda Tag@adaokafor
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    Pay bills & moreSee all
    AirtimeData ElectricityTV NEWeSIMNEWFlights USDCMore
    Recent activity
      Send money
      Thabo Mokoena@thabom · Bank ••• 2291
      You send
      ₦0
      They receive R0.00
      Rate locked 30s 1 NGN = 0.011818 ZAR Fee ₦0 · Arrives in minutes

      Sending your money

      R0.00 to Thabo Mokoena

      1. Rate locked · 1 NGN = 0.011818 ZAR
      2. Converted NGN → ZAR
      3. Delivered to Thabo's bank

      Keep the app open. This usually takes a few seconds.

      Money on its way

      R0.00 to Thabo Mokoena

      Reference
      CND-8F21K
      Status
      In transit
      Arrives
      In minutes
      Cards
      Monthly limit$132.40 of $500
      Card activity
      • Streaming subscriptionToday · USD
        −$11.99
      • Cloud storageMon · USD
        −$2.99
      Activity
      Ada OkaforCenda Tag@adaokaforVerified · Tier 2
      • Personal details
      • Security & Face ID
      • Limits & preferences
      • Notifications
      • Help & support

      Cenda · Move Money. Move Business.

      Cenda app · interactive preview Swipe the cards, try the tabs, send money. Sample data, indicative rates.

      What you can do with Cenda

      Everything you need to move money, in one place.

      For your own money and your business's, across African corridors and beyond.

      Send & receive

      Pay across borders, and watch it land.

      Pay suppliers, get paid by clients and send to family, starting with Nigeria ⇄ South Africa. Every step is tracked until it settles.

      PersonalBusiness
      Get early access
      Supplier payment · JohannesburgIn transit
      R147,727.50
      from ₦12,500,000.00 · NGN → ZAR
      1. Payment initiated09:41
      2. Converted at quoted rate09:41
      3. Sent to recipient bank09:42
      4. Settled09:44
      Multi-currency

      Hold nine currencies. Convert at live rates.

      NGN, ZAR, GHS, CFA francs, USD, GBP, EUR and USDC in one account. You see the rate and the exact amount before you confirm.

      PersonalBusiness
      Get early access
      ConvertRate locked 30s
      You convert₦1,000,000.00
      NGN
      You getR11,818.18
      ZAR
      1 NGN = 0.011818 ZAR · indicative mid-rate
      Business Suite

      Pay your whole team. Approve with confidence.

      Invoices, payment links and bulk payouts in one dashboard. Roles and approvals keep every naira and rand accountable.

      Business
      Join as a business
      March payroll · 48 recipientsPaying
      48 of 48 paid
      • Adaeze O. · NGN₦850,000.00
      • Thabo M. · ZARR18,400.00
      • Kwame A. · GHS₵9,200.00
      Finance approvedOwner approved
      Everyday payments

      Bills, airtime and cards, from any balance.

      Pay electricity, TV and internet. Top up airtime and data for yourself or your whole team in bulk. Spend online with virtual cards.

      PersonalBusiness
      Get early access
      Electricity · prepaidToken sent by SMS
      ₦25,000.00
      Bulk data · 48 staff2 GB each · delivered
      ₦96,000.00
      Virtual card createdMarketing · limit $500/mo
      •••• 4821

      eSIM for travel

      Data abroad in minutes. No roaming bills.

      PersonalBusiness

      Send & receive USDC

      Hold dollar stablecoins beside your other balances.

      PersonalBusiness

      Virtual cards

      Subscriptions and online spend, with a card per team.

      PersonalBusiness

      Book flights

      Search, book and pay for flights from any balance.

      PersonalBusiness

      More on the way

      New corridors and services as we grow.

      Services roll out in stages. Availability varies by country and is subject to partner and regulatory approval.

      Personal & Business

      Built for you, and for the business you run.

      Cenda Personal

      For freelancers, remote workers, students, travellers and families across borders.

      • Get paid by clients abroad and convert at live rates
      • Send to family in other African countries
      • Bills, airtime and data, plus flights and eSIMs when you travel
      • A virtual card for subscriptions, plus USDC
      Join as Personal

      Cenda Business

      For SMEs, importers, traders, agencies and finance teams.

      • Pay suppliers across corridors from multi-currency balances
      • Invoices, payment links and bulk payouts with approvals
      • Bulk airtime and data for staff, plus team virtual cards
      • Roles, audit trail and exports that reconcile
      Join as Business

      Progress

      Built carefully, in the open.

      Money should only move when it's right, so we're building, testing and launching in clear stages.

      1. Building Now

        Core ledger, accounts, live rates and the NGN ⇄ ZAR corridor with our bank partners.

      2. Testing

        Private beta for personal and business users from the waitlist.

      3. Launch

        Open to everyone, waitlist first, with more services and corridors in stages.

      Get early access.

      Waitlist members get first access to the beta, for personal and business accounts.

      We only use your email to tell you about Cenda.

      Joining as
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