Foundation
Q1 — Q2 2026- Non-custodial Stellar wallet, mobile + web
- USDC savings at a variable rate
- Fiat on/off-ramps in 50+ countries
- Halborn audit complete
Investing that works for you
Buy crypto. Earn yield.
All in one place.
Your Normal Portfolio
$3,306.36
+2.4%
All holdings
$3,306
Crypto
$2,606
DeFi
$700
ETH
0.412 ETH
$1,285.44
+2.6%
BTC
0.0162 BTC
$1,040.04
+1.8%
USDC Savings
DeFi · auto-compounding
$700.02
XLM
1872.4 XLM
$280.86
-0.4%
Buy
Sell
Swap
Send
Receive
Audited by
Backed by
Backed by
Self-custody savings. Live yield. Built on Stellar.
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— Everything you need
Simple, safe, and earning
Audited DeFi
Earn. Diversify. Stay secure.
Earn APY on USDC in audited lending pools, diversify across leading crypto assets, and keep full self-custody — withdraw anytime, no lock-ups.
Balance
$10,000.00
+$0.00 earned
$20k
$30k
$40k
Security
Non-custodial by design
Your keys, your funds. Normal never holds your assets — everything is on-chain on Stellar. Withdraw to any wallet, anytime, with no permission needed.
🔑
your_private_key.stellarself_custody: verified
Stellar Network
Settle in seconds
Stellar finalizes in under 5 seconds — no waiting, no gas wars.
⚡avg_settlement: ~0.5s
💸network_fee: <$0.001
Backed by
Trusted by leaders.
The most credible names in crypto and venture — giving you confidence your funds are in safe hands.
Stellar Development Foundation
Lead investor & advisor
✓
DraperU Ventures
Tim Draper · Lead investor
✓
$4M valuation round · bridge funding
Earn yield on your USDC
Deposit USDC and earn real yield through Blend Protocol — self-custody, no middlemen.
Live on Stellar mainnet
Where money meets the future.
Built on Stellar, audited by Halborn, and trusted by users sending, saving, and earning across borders.
LI.FI volume
$80B+cross-chain routed
LI.FI transfers
100M+swaps & bridges
Turnkey volume
$100B+stablecoin signed
Turnkey uptime
99.9%signing infrastructure
— 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
"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
"Normal index funds make financial freedom easy for my family."
Richie LewisProfessional Fighter and World Champion Wrestler
"Normal makes investing automated and customizable, perfect for users to diversify."
Roshan VadasseryFounder of Permissionaless.net and Crypto Influencer
"Normal saves me time and money — all while being as easy to use as my traditional banking apps."
Devin KoppCo-founder @ Rodeo Money
"I believe in the Normal Team and their mission of index funds. I look forward to supporting them!"
Nima BeheshtianHead of Business at Luganodes
"The Normal team is a beast and their product is awesome! I aspire to be Normal!"
Srijeth PadmeshGrowth at Reclaim Protocol
"Normal has the best team and makes investing simpler, smarter, and exactly how it should be."
Zahid ValenciaProfessional USA Wrestler
"The Normal Team is legendary and their vision is clear with Normal index funds."
Shabbir KhanInvestment Partner at EAK Ventures
"Normal is a platform that simplifies investing. The platform is very clean and easy to use."
Victor AcevedoAn OG normie
— FAQ
Frequently asked, plainly answered.
Normal is a self-custody crypto wallet with built-in ways to buy, sell and swap crypto, and a USDC savings vault. Your wallet is secured by a passkey on your own device. We just make it feel like a banking app: fast, clean and global.
From interest that borrowers pay on Blend, a lending protocol on Stellar, where borrowers must post more collateral than they borrow. The rate changes with demand and is never guaranteed. You can see the current rate before you deposit.
Your USDC goes into a savings vault: a smart contract on Stellar that Normal set up and manages using DeFindex. The vault supplies the USDC to Blend's lending pools, where borrowers post more collateral than they borrow and pay interest, and you earn a share in proportion to your deposit. The vault's code cannot be changed, and loans whose collateral falls too low are liquidated. Smart contracts can still fail, so please read our documentation for the risks.
Bitcoin, Ethereum, Solana, Stellar (XLM) and USDC. We're adding more over time.
Normal doesn't ask for ID to create an account. When you buy or sell crypto for money, the provider you choose (Coinbase, Stripe or MoneyGram) verifies your identity under its own rules. Our Terms of Service don't allow use by residents of the sanctioned countries they list.
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. The savings vault also keeps 10% of the yield it earns as a performance fee, shared between Normal and DeFindex.
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.
Yes. There are no lock-up periods. You can withdraw your USDC savings to any Stellar wallet at any time. Transactions settle in under 5 seconds on the Stellar network.
Make crypto normal.
Join thousands investing in crypto, earning yield, and keeping full custody of their funds.