Arival vs Cenoa for Payroll Platforms

Arival is a digital bank for global businesses and individuals. Open your bank accounts 100% online and remotely. Transform your financial experience with our cutting-edge banking tools and join our worldwide community today. GLOBAL CHECKING TO KEEP YOU IN CHECK. Manage your company cash flow through your Arival checking accounts. Under one login, create, manage, and seamlessly toggle between multiple accounts and entities. PAY & GET PAID EFFORTLESSLY. Say hello to your new powerful money movement tool. Make domestic and cross-border transactions to pay suppliers, vendors, and receive payments from clients. Schedule payments, download statements, track and filter transaction history. ONBOARD FROM ACROSS THE GLOBE. EASILY. Arival’s mission is to give businesses and individuals the tools to manage and grow their finances from anywhere in the world. We’ve made our onboarding process simple and seamless. Get started today. LICENSED & REGULATED. Arival Bank is a US-based bank licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF). ENHANCED SECURITY & TRUST. We use 2-Factor Authentication, advanced encryption and perform regular system reviews to keep your data secure. Our safety system is SOC2 compliant, 256 Bit encrypted, and monitored, which means your assets are always safe with Arival Bank. WE'VE GOT YOUR BACK. We have a global team working from nearly ten countries striving to provide you with timely support and the best customer experience. GET FANCY WITH PREMIUM ACCOUNTS. Unlock premium customer support, dedicated account managers, cheaper transactions, and free transfers with Arival premium accounts. Learn more at arival.com

Cenoa is a global dollar account for everyone! Open your account in 1 minute, from anywhere in the world. Send dollars and manage your money effortlessly. — OPEN YOUR GLOBAL DOLLAR ACCOUNT IN 1 MINUTE Deposit and withdraw USDC and USDT stablecoin Withdraw with your co-signers authorization — MINIMAL TRANSACTION FEES Opening an account is for free on Cenoa Business. It costs you 5x less compared to other institutional wallets. No extra commissions — HOW TO GET STARTED? Sign up with your mobile number Verify your email address and make your first deposit seamlessly!‎ Authenticate your device with passkeys Start managing your digital dollars instantly — KEEP YOUR MONEY SAFE Smart contract audited by industry leader Certik Built by world's leading experts in cybersecurity Non-custodial wallet to give you full control of your funds Enables access to USDC (US Dollar Coins) issued by Circle as digital dollars. Circle is a fintech regulated company like PayPal, Stripe, & Apple Pay. Annually audited & SEC-reviewed. See our Terms & Conditions at Cenoa.com for details. Cenoa is a financial technology company built on blockchain technology. Cenoa is not a bank or a licensed financial institution – it’s a modern, user-friendly and financially savvy way to manage your digital assets. PRIVACY View our privacy policy at www.cenoa.com/privacy-policy Use of this app, Cenoa services or related third party services are subject to disclaimers and their terms. When you use Cenoa services, or services, smart contracts, platforms or yield aggregation which can be reached through Cenoa, it is entirely at your own risk; and these can be provided by third parties subject to their own terms. You are required to do your own research and consult with your advisors before using or engaging with Cenoa or other third party providers.