Directory/Normal Finance
Normal Finance

Normal Finance

Contact
Visit website
Resources
Category
  • DeFi Apps
  • Digital Wallets
  • Fintechs
  • Neobanks
Use Cases
  • Borrowing and Lending
  • Payment Settlement
  • Payouts and Payroll
  • P2P Remittances
  • US Dollar Access
Blockchains Supported
  • Ethereum
  • Solana
  • Stellar
On/Off-Ramps
  • Yes
Platform
  • Web
Region
  • APAC
  • Europe
  • LATAM
  • Middle East and Africa
  • North America
Support
Justin Benjamin

Self-custody stablecoin savings built on Stellar with real yield and no lockups. You hold the keys.

Normal is a non-custodial wallet and savings app that makes stablecoins feel like a normal bank account. Users hold their own keys, deposit digital dollars, and earn variable yield from audited Stellar lending pools with no lockups and withdrawals that settle in seconds.

Savings are allocated through Blend Protocol, with DeFindex routing deposits across efficient pools. Borrowers post collateral and pay interest; savers earn a share of that rate - yield is variable and not guaranteed. Contracts have been audited by Halborn.

Normal is built on Stellar and stablecoins: low fees, fast settlement, and a dollar balance people can save, swap, and withdraw on their own terms. Fiat on/off-ramps cover 50+ countries through partners including Stripe, Coinbase, MoonPay, SEPA, and ACH.

The goal is simple: take the complexity out of onchain finance and put real yield in an interface that feels like everyday banking.

Use Cases

US Dollar Access

Users can on/off-ramp USD to their preferred bank or wallet across the world.

Lending Yield

Lend stablecoins into audited pools to earn passive yield with daily payouts and no lock-ups.

Payments & Payroll

Use Normal to pay your businesses, team, friends, or family.

Foreign Exchange

Withdraw any local fiat currency with our MoneyGram partnership.

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Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

Circle Internet Financial, LLC (NMLS ID# 1201441). Circle Internet Financial, LLC is licensed as a Money Transmitter by the New York State Department of Financial Institutions and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Texas customers click here for information about filing complaints. Maryland customers click here for information about filing complaints.

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Some products and services made available on the Circle Developer Platform (collectively, “Web3 Services”) are offered by Circle Technology Services, LLC (“CTS”). Services do not include financial, investment, tax, legal, regulatory, accounting, business, or other advice. CTS is only a provider of software and related technology and is not engaged in any regulated money transmission activity in connection with the services it provides. For additional details, please click here to see the Circle Developer terms of service.