Roadmap · updated weekly

Where we're headed next.

Most people earn next to nothing on their savings. Normal is built to change that — starting with a USDC savings account that pays real yield, with no bank in the middle.

Shipped

In progress

Planned

Next ship

June 2026

— How we build

Four principles, no shortcuts.

They guide every milestone on this page, and every line of code we ship.

Simplicity first

Deposit in minutes. Earn automatically. No strategy required.

Transparency & sovereignty

Your funds are yours at all times. Every rate, balance and transaction is verifiable on-chain.

Composability & reach

Built on Stellar and designed to plug into the broader DeFi stack — with real assets coming soon.

Community-led evolution

We build in public. Our roadmap is open, our decisions are explained, your feedback shapes what gets built.

— Milestones

The road behind, and ahead.

Every milestone, organized by status.

All

Shipped

In progress

Planned

Shipped

Nov 2023

Launched first Normal crypto indexes

Introduced initial set of Normal index products to the public.

Shipped

Feb 2024

Started building Stellar on-chain index funds

DraperU x Stellar hacker house — won the on-chain index funds track.

Shipped

Jun 2024

Hit $100k index AUM

Milestone AUM reached across Normal index products.

View announcement →

Shipped

Sep 2024

Halborn smart-contract audit passed

Full audit of savings and lending contracts. Zero criticals.

Shipped

Jan 2025

Normal Savings launched

Non-custodial USDC savings account live on Stellar mainnet.

Shipped

Apr 2026

Hit $24M total deposits

Crossed $24M TVL across USDC savings vaults.

In progress

June 2026

Normal Mobile App

Native iOS and Android app bringing the full Normal experience to mobile.

In progress

Q3 2026

Recurring deposits + auto-compound

Schedule recurring buys, auto-roll yield, set DCA targets.

In progress

Q3 2026

BTC and ETH support via bridges

Hold and earn across multi-asset positions, settled on Stellar.

Planned

Q4 2026

Normal Crypto Indexes

Build and invest in custom crypto indexes tailored to your strategy.

Planned

Q4 2026

Normal Credit Card

Spend your earnings in the real world with a Normal credit card.

Planned

2027

Real-world assets (treasuries, ETFs)

Bring tokenized treasuries, money-market funds and ETFs to Normal.

Planned

2027

Open developer SDK

Public TypeScript SDK and on-chain identity for builders on Stellar.

Planned

2027

Multi-chain wallet (Solana, Base)

Same UX, more chains. One account, multiple homes for your money.

— What we're building right now

The next 90 days.

A snapshot of the work in motion. Specifics may shift, but the direction stays.

In progress · #1

A USDC savings account that pays real yield, automatically.

Auto-compounded into audited Stellar lending pools. No active management, no claiming, no gas. Open and earn in under 60 seconds.

8.09%

Current APY

$24M+

Deposits

Lockups

Cash in & out

50+ countries, one tap.

Fiat ramps via Stripe, Coinbase, MoonPay, SEPA and ACH. Deposits clear in minutes, not days.

Full transparency

Every balance, on-chain.

Verify each rate, balance and transaction yourself. No black boxes, no asterisks, no surprises.

More assets coming

Crypto, equities and RWAs.

BTC and ETH next. Tokenized treasuries and ETFs after that. One account, every asset.

Our promise

Transparency. Safety. Long term.

We default to transparency, prioritize your safety, and build for the long term — not the hype cycle. Help shape what Normal becomes next.

Share your feedback →

Join the community

Help us achieve our mission.

Every milestone on this page is shaped by feedback from real users. Tell us what to build next.