# Normal

> Normal is a Chicago-based crypto company building a non-custodial wallet and investment protocol on the Stellar blockchain. Its app lets everyday users buy crypto, earn yield on USDC savings (routed through the Blend lending protocol), and swap assets with sub-second settlement and sub-cent fees. Beyond the wallet, Normal is building an on-chain 'investment layer' of diversified crypto index tokens - a Top 5 index, plus AI, DeFi, RWA and meme baskets - aiming to make holding a slice of the whole crypto market as simple as opening a savings account. The company's stated goal is blunt: 'make crypto normal.'

- **Founded:** 2022
- **Headquarters:** Chicago, Illinois, United States
- **Founders:** Joshua Blew (Founder & CEO), Justin Benjamin (Co-founder & COO / Head of Strategy)
- **Team size:** ~60-66 (employees and contributors)
- **Products:** Normal Wallet, USDC Savings, Crypto Index Protocol, Synthetic Asset AMM/DEX, Swap
- **Notable:** Launched the Normal Protocol and app live on Stellar on January 25, 2026., Secured a Stellar Community Fund grant for its global crypto index protocol., Backed by Draper University and Blend Capital.

## Products & services

- **Normal Wallet** — A non-custodial Stellar wallet to buy, hold, send and swap crypto with sub-second settlement, sub-cent fees, and built-in fiat on/off-ramps in 50+ countries.
- **USDC Savings** — A high-yield savings account paying around 8% APY on USDC, generated by routing deposits through the Blend lending protocol, with no lock-up periods.
- **Crypto Index Protocol** — An on-chain 'investment layer' offering diversified index tokens - Top 5 Crypto, AI, DeFi, RWA and Meme indexes, plus customizable baskets - tradable from a single interface.
- **Synthetic Asset AMM/DEX** — A Stellar-based automated market maker letting investors take long or short exposure to assets like BTC, ETH, SOL, ADA and XRP as one token per asset across chains.
- **Swap** — In-wallet swapping and cross-chain routing so users can move between assets without leaving the app.

## Achievements

- Launched the Normal Protocol and app live on Stellar on January 25, 2026.
- Secured a Stellar Community Fund grant for its global crypto index protocol.
- Backed by Draper University and Blend Capital.
- Smart contracts audited by Halborn.
- Built fiat on/off-ramp coverage across 50+ countries.

## Latest updates

- **2026-01** — Normal Protocol and app went live on the Stellar blockchain (Jan 25, 2026).
- **2026-01** — Published 'The Investment Layer for Crypto: Normal is Live on Stellar' on Substack, detailing index tokens.
- **2025** — Secured a Stellar Community Fund grant for its global crypto index protocol.
- **2024-09** — Featured by Startland News on bringing blockchain 'banking' to the Midwest mainstream.

## Links

- Website: https://normalfinance.io
- LinkedIn: http://www.linkedin.com/company/normalfi
- Twitter/X: https://twitter.com/normalfi
- GitHub: https://github.com/normalfinance
- Facebook: https://facebook.com/normalfinance/

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Profile page: https://yespress.io/normal
Published by YesPress — https://yespress.io
Last updated: 2026-07-31