Foundation
Q1 — Q2 2026- Non-custodial Stellar wallet, mobile + web
- USDC high-yield savings (8.2% APY)
- Fiat on/off-ramps in 50+ countries
- Halborn audit complete
Investing that works for you
Earn passive yield, and watch it grow
Audited by
Backed by
Backed by
Normal Savings
0% APY
Your Deposits
$0 USDC
Current Value
$0 USDC
Earnings
+$0 USDC
Amount to depositAvailable: 0.00 Blend USDC
Blend USDC
Total vault deposits$0 USDC
A universal investing app - Trade and diversify any global asset in just one click.
Coming soon
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Our Vision
Normal Savings
15% APY
Balance
$10,000.00
USDC+$0.00 earned
Deposit. Earn. Compound.
Your USDC goes into audited lending pools on Stellar. Borrowers pay interest to access liquidity — you collect it. Yield compounds daily and you can withdraw anytime.
Borderless Access
Your zip code shouldn't determine your returns. Normal gives everyone access to yields that used to require the right bank, the right broker, or the right country.
Instant Deposits
Cash hits your account in seconds. No hold times, no business-day delays — just your money, moving when you need it to.
Transparent by Default
Normal never takes custody of your funds. Your USDC is secured by Stellar's blockchain — the same infrastructure trusted by financial institutions and payment networks worldwide. Every rate and every transaction is public. Check it anytime.
The Start of Something Bigger
USDC savings is the foundation. Crypto, equities, and real assets are coming — all in one place, all yours to control.
— Trusted globally
Where money meets the future.
Built on Stellar, audited by Halborn, and trusted by thousands of users sending, saving, and earning across borders.
Total deposits
$24M+across USDC vaults
Active wallets
12.8Kand growing daily
Countries served
50+fiat ramps live
Avg. settlement
0.5son Stellar mainnet
— Roadmap
Where we're going.
A three-phase plan to make crypto feel as effortless as opening a checking account — and a lot more rewarding.
Expansion
Q3 2026- BTC and ETH support via bridges
- Recurring deposits and auto-compound
- Card spending — pay anywhere with USDC
- Referral and rewards program
Maturity
Q4 2026 — 2027- Real-world assets (treasuries, ETFs)
- Multi-chain wallet (Solana, Base)
- Institutional savings vaults
- Open developer SDK and on-chain identity
— Loved by
Loved by Normies
"In portfolios, you're not just investing in assets; you're investing in teams. The Normal team's drive and positive energy are truly building something special that's inclusive to everyone."
Raphael FortinCo-founder at Lumen Loop
"I believe in the Normal Team and their mission of index funds. I look forward to supporting them!"
Nima BeheshtianHead of Business at Luganodes
"Normal has made transitioning from traditional finance to DeFi effortless by streamlining the entire investing process. It serves as the perfect bridge connecting the old world with the new."
Clair GamokeHead of Community at Bitcoin OS
"The Normal team is a beast and their product is awesome! I aspire to be Normal!"
Srijeth PadmeshGrowth at Reclaim Protocol
"Normal index funds make financial freedom easy for my family."
Richie LewisProfessional Fighter and World Champion Wrestler
"Normal has the best team and makes investing simpler, smarter, and exactly how it should be."
Zahid ValenciaProfessional USA Wrestler
"Normal makes investing automated and customizable, perfect for users to diversify."
Roshan VadasseryFounder of Permissionaless.net and Crypto Influencer
"The Normal Team is legendary and their vision is clear with Normal index funds."
Shabbir KhanInvestment Partner at EAK Ventures
"Normal saves me time and money — all while being as easy to use as my traditional banking apps."
Devin KoppCo-founder @ Rodeo Money
"Normal is a platform that simplifies investing. The platform is very clean and easy to use."
Victor AcevedoAn OG normie
"Normal is a platform that simplifies investing. The platform is very clean and easy to use."
Victor AcevedoAn OG normie
"Normal saves me time and money — all while being as easy to use as my traditional banking apps."
Devin KoppCo-founder @ Rodeo Money
"The Normal Team is legendary and their vision is clear with Normal index funds."
Shabbir KhanInvestment Partner at EAK Ventures
"Normal makes investing automated and customizable, perfect for users to diversify."
Roshan VadasseryFounder of Permissionaless.net and Crypto Influencer
"Normal has the best team and makes investing simpler, smarter, and exactly how it should be."
Zahid ValenciaProfessional USA Wrestler
"Normal index funds make financial freedom easy for my family."
Richie LewisProfessional Fighter and World Champion Wrestler
"The Normal team is a beast and their product is awesome! I aspire to be Normal!"
Srijeth PadmeshGrowth at Reclaim Protocol
"Normal has made transitioning from traditional finance to DeFi effortless by streamlining the entire investing process. It serves as the perfect bridge connecting the old world with the new."
Clair GamokeHead of Community at Bitcoin OS
"I believe in the Normal Team and their mission of index funds. I look forward to supporting them!"
Nima BeheshtianHead of Business at Luganodes
"In portfolios, you're not just investing in assets; you're investing in teams. The Normal team's drive and positive energy are truly building something special that's inclusive to everyone."
Raphael FortinCo-founder at Lumen Loop
— FAQ
Frequently asked, plainly answered.
No, 5–10% APY is realistic in the current Stellar DeFi ecosystem, though yields are variable and not guaranteed. Stellar's Blend protocol has shown USDC lending yields in the 8–15%+ range during periods of strong borrowing demand — driven by genuine utilization from cross-border payments, remittances, and business liquidity needs in emerging markets.
Your USDC is deposited into Blend's lending pools. Borrowers over-collateralize their loans and pay interest — you earn a share proportional to your deposit. DeFindex optimizes allocation across the most efficient pools. Security is maintained through non-custodial architecture, over-collateralization with automatic liquidations, and audited Soroban smart contracts.
We integrate new assets every week. We're building support for the top 100 cryptocurrencies and popular equities, commodities, FX pairs, ETFs, and more.
No KYC is required to create an account or invest. However, you must complete KYC to deposit and withdraw via our regulated financial partners. We restrict access from U.S. sanctioned jurisdictions and countries where our services are not supported.
Creating an account is 100% free. Savings deposits incur a flat 0.5% fee. Withdrawals incur a tiered yield commission: 20% under $500, 15% from $500–$2,499, 10% from $2,500–$50,000, and 5% above $50,000. Swaps incur a 0.5% fee on the input amount.
Yes. Our technology has been audited by Halborn, a professional security firm. We use two-layer encryption and active monitoring systems. You retain custody of your funds at all times. As with any DeFi platform, risks exist — please read our documentation for full details.
Make crypto normal.
Join thousands earning yield, sending money globally, and keeping full custody of their funds.