A card that keeps earning while you spend.
Spend anywhere Visa is accepted while your USDC balance never stops working. The card pays itself off from your balance every month. Your keys stay yours.
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Issued through our card partner on Visa rails · yield via Aave V3 · USDC by Circle.
The stack
How it works
Spend now. Your balance
keeps earning.
Purchases go on your card. Your USDC stays put, earning the whole time. Once a month, the card pays itself off from your balance.
Tap anywhere Visa works
Pay like you would with any Visa card, in-store or online. The purchase goes on your card's monthly statement.
TapYour balance keeps earning
Nothing leaves your USDC balance when you pay. It stays in Aave V3, earning the whole time. No lockup.
EarnThe card pays itself off
Every month the statement auto-pays from your balance. No APR, no minimum payment, it never revolves.
DoneCard features
Everything a bank card does.
Plus the things yours should.
Freeze it in one tap, spin up virtual numbers, earn cashback in USDC. All from the app.
Works everywhere Visa does
Everywhere Visa is accepted, across 200+ countries and territories. Online and in-store, Apple Pay and Google Pay.
Self-custody by default
Private keys live on your device via MPC. The system is designed so Normies doesn't hold, move, or freeze funds. If we disappeared tomorrow, your balance stays yours.
Continuous yield
Idle USDC earns on Aave V3 from the second it arrives. No staking, no lockup. Withdraw anytime in a single transaction.
Pays itself monthly
Purchases go on your statement while your balance never stops working. Once a month the card auto-pays from your balance.
Cashback in USDC
Every purchase earns cashback, deposited as USDC in your balance. Higher rates on groceries and subscriptions.
Freeze in one tap
Lost the card? Freeze instantly in the app. Unfreeze the same way. Unauthorized charge? Full Visa dispute protection through our card partner.
Inside the app
Your balance, live, to the cent.
Your yield ticks up in real time. Freeze the card, spin up a virtual number for a merchant, or move funds, all from one home screen.
- Continuous yield accrual, visible down to the cent
- One-tap freeze, instant virtual numbers
- Transaction feed with merchant, amount, yield impact
Two cards, one balance
Virtual on day one.
Metal on request.
Same balance, same benefits. Pick the form that fits.
Virtual Card
Instant the moment you verify. Tokenized in Apple Pay / Google Pay in 30 seconds. Unlimited virtual numbers for per-merchant privacy.
Metal Card
A premium metal card, shipped free to your door when you request it. Same balance, same benefits.
The math
See what idle money is costing you.
Drag the slider. We'll show an illustrative comparison vs. a typical checking account paying the 0.07% national average APY. Actual Aave V3 APY is variable and changes continuously.
Balance
$10,000
You'd earn in a year
$500.00
Earning $0.00007923 / second at the assumed rate
Illustrative. Assumes 5% APY, variable and not guaranteed. See Disclosures.
Lock in your spot
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Side by side
Normies vs. your bank card.
Row by row against a typical bank card, including where the bank still wins.
| Typical bank card | Normies | |
|---|---|---|
| Balance earns yield while you spend | No | Around 5% APY, variable |
| Self-custody, you hold the keys | No | Yes |
| Monthly fee | $0–25 | $0 |
| Cashback on every purchase | Rare | Yes, in USDC |
| Freeze / unfreeze in one tap | Sometimes | Always |
| Works anywhere Visa is accepted | Yes | Yes |
| FDIC insured | Yes, up to $250k | No, see disclosures |
Security
Normies is built so we alone
can never move your money.
Your private key is split into three shards using multi-party computation (MPC). Two of three are needed to sign. We never hold or see the full key.
Device shard, stored in your phone's secure enclave. Lost with the phone, replaceable with the other two shards.
Auth shard, derived at login time from your email + passkey. Never written to disk on our side.
Recovery shard, held by Privy under access controls they publish and audit against SOC 2.
MPC key management
Three-shard split via Privy. The key is never assembled in one place. Device + auth + recovery.
Bank-partner card issuing
Issued through our card program partner on Visa rails. Fraud disputes work exactly like any Visa card.
Audited DeFi yield
The Aave protocol has run since 2020 (V3 since 2023), audited many times over, with billions in deposits.
Where it works
Anywhere Visa is.
Apple Pay and Google Pay supported on day one. Expected at launch: a single 1% flat FX markup on non-USD purchases and no surprise fees.
Spec sheet
Limits, fees, and the fine print.
What we expect at launch, in plain English.
Spending limits Daily / monthly
Sensible daily and monthly limits apply; the full schedule is published at launch.
Fees All-in
Expected at launch:
- Monthly / annual fee:
$0 - Yield haircut:
0%, you keep the full Aave V3 rate - Foreign exchange:
1%flat, no hidden spread - Partner ATM (AllPoint + MoneyPass):
$0· others:$2.50 - Replacement card:
$0virtual,$25metal (first one free)
Supported assets Balance
Your balance is held in USDC on Base and routed through Aave V3 for continuous yield. Purchases go on your card's statement, which auto-pays from your balance every month. Support for more stablecoins is planned.
Compliance & eligibility US rollout
Launching to US residents 18+ first, with more markets to follow. Identity verification is required. Issued through our card program partner on Visa rails under a regulated bank-partner program.
What happens if Normies disappears Self-custody
Your USDC lives on-chain at an address only you can sign from. If Normies shut down tomorrow, you'd export your MPC shards and keep spending from any wallet. The design keeps custody with you.
Quick answers
What you're probably wondering.
Quick answers here. The full FAQ goes deeper.
Is my money actually safe without FDIC?
Different risk model. FDIC covers up to $250k if a bank fails. Self-custody means there's no bank to fail, your USDC sits at an address only you can sign from. The risk shifts to smart-contract and stablecoin-issuer risk, which we document transparently.
What's the current APY?
Variable, around 5% on USDC supplied to Aave V3. The app shows the live rate. You keep what you've already earned even if rates drop.
When does the card ship?
Early access opens in small groups. When it's your turn, your virtual card is ready as soon as you verify, and the metal card ships free on request. Join the waitlist →
What happens when I spend?
Your purchase is authorized on the Visa network and goes on your card's statement. Your USDC balance stays put, still earning, the whole time. Every month, the statement auto-pays from your balance. It never revolves.
Are there fees?
We expect no monthly fee, no minimum balance, and no yield haircut at launch. International purchases carry a small FX markup. The full fee schedule is published at launch.
Waitlist open
Get the card that keeps earning.
Join the first cohort. We'll email you the moment your card is ready to activate.
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