Banks make saving easy. Open an account, deposit money, done. They also pay you 0.5% interest while lending that same money out at 7% and keeping the difference. The tradeoff is brutal: convenience in exchange for watching inflation eat your savings.
Crypto offers better returns, but most people don’t want to learn the difference between staking validators, liquidity pools, and lending protocols just to earn yield on their stable coins. The upside is real. The complexity gatekeeps it.
Normal bridges the two.
Normal is a simple on-chain savings app where you can earn high DeFi yields without the complexity. Built on Stellar, designed for everyone.
You get the simplicity of a savings account with the economics of crypto. Deposit USDC. USDC earns a variable APY based on real-time conditions*. Keep full control of your funds the entire time. No trading. No managing positions. No custody risk.
Just real finance, in your hands, working harder for you.
When you deposit USDC into Normal, your funds are routed into non-custodial vaults built by DeFindex, Stellar’s leading DeFi infrastructure provider. These vaults connect to Blend Capital, Stellar’s native lending protocol.
Here’s what’s actually happening: you’re participating in DeFi (decentralized finance) as a lender. Your USDC gets lent out to other peers borrowing on the protocol, mostly enterprise and institutional borrowers who post collateral worth more than what they borrow. Those borrowers pay a fee to access that capital, and that fee flows directly back to you. This is peer-to-peer lending without a bank in the middle, enforced by smart contracts instead of paperwork.
The vault handles everything automatically. It routes your capital, rebalances across strategies, and compounds your earnings without any action required from you. You just watch your balance grow.
Your funds stay liquid. No lockups. No waiting periods. You can withdraw anytime.
Normal operates on a fully self-custodial model. Every user manages their own wallet and private keys. Normal does not store credentials, manage wallets, or hold user funds at any point in the process.
When you create your Normal Wallet, your seed phrase is encrypted directly in your browser using the Web Crypto API (PBKDF2 key derivation with AES-GCM encryption). Your keys never leave your device. Normal never sees them.
When you deposit into savings, your funds go directly into DeFindex vaults, which are smart contracts you interact with on-chain. Normal provides the interface, but we’re not in the middle of the transaction. You maintain ownership throughout the entire flow.
Your relationship is with the Stellar blockchain and the audited smart contracts running on it. Normal can’t freeze your funds, restrict withdrawals, or access your wallet. If Normal’s interface went offline tomorrow, your funds would still be accessible directly through Stellar.
Self-custody means you’re fully responsible for your wallet security. If you lose your seed phrase, no one can recover your funds. This is the standard across all non-custodial DeFi. The tradeoff is total control.
The smart contracts holding user funds have been independently audited:
DeFindex vaults: Audited by OtterSec
Blend Capital V2: Audited by Code4rena with formal verification by Certora
Reflector V3 oracle: Audited by Code4rena
Every report is publicly available. We don’t ask you to trust us. We point you to the verification.
Normal charges a 0.5% fee on deposits and a tiered commission on the yield you earn, paid only when you withdraw:
20% commission on earnings from balances under $500
15% on balances between $500 and $2,499
10% on balances between $2,500 and $50,000
5% on balances above $50,000
No ongoing management fees. No hidden charges. No lockups. The commission scales down as you save more, and it only applies to the yield you’ve earned. Never to your principal.
The savings product is live and earning yield today. This is phase one.
Next on the roadmap: support for the top cryptocurrencies people actually want to hold, including BTC, ETH, SOL, XRP, and ADA. After that, tokenized stocks, commodities, and real-world assets, all on-chain and accessible from one place. Eventually, curated portfolios and a debit card that spends directly from your balance.
But savings comes first because it’s the simplest, most essential financial product. Get this right, and everything else follows.
Normal is live on Stellar. You can start earning yield on your USDC today.
Visit normalfinance.io
Create your Normal Wallet
Fund your wallet with at least 1 XLM to activate it, then deposit USDC
Start earning
Your funds remain under your control. You can withdraw anytime. The vault handles everything else.
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