A debit card that keeps earning while you spend.
Your USDC balance sits in Aave V3, accruing yield every block. At tap, only the exact purchase amount unwinds — the rest never stops earning. You hold the keys.
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·The stack
02How it works
Swipe. Yield keeps earning.
Settled from stablecoin.
A signal races from the card reader to Aave V3 to Visa, and back, in under 400ms. Only the exact amount of the purchase ever leaves yield.
Tap at the reader
Visa authorization fires the instant you tap. Rain's processor signals Normies: "$6.25 at Blue Bottle, approve?"
~80msJust-in-time unwind
Only the exact $6.25 exits Aave. The rest of your balance never stops accruing. No lockup, no over-pull.
~220msSettled in USD
USDC swaps to USD on Visa's rails. Merchant receives dollars. Cashback lands back in your USDC. Yield resumes.
<400ms total03Card features
Everything a bank card does.
Plus the things yours should.
Works everywhere Visa does
80M+ merchants worldwide, online and in-store, Apple Pay and Google Pay. The card the world already knows.
Self-custody by default
Private keys live on your device via MPC. Normies never holds, moves, or freezes 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.
Just-in-time spending
Your card isn't pre-funded. We pull the exact purchase amount from your balance at tap. The rest stays in yield.
Cashback in USDC
Every purchase earns cashback, deposited as USDC in your checking. 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 Rain.
04Inside the app
Your balance, live, to the cent.
Every block, 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.
- Per-block yield accrual, visible down to the cent
- One-tap freeze, instant virtual numbers
- Transaction feed with merchant, amount, yield impact
05Two cards, one balance
Virtual on day one.
Metal on request.
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
17 grams of laser-etched titanium. Shipped free to your door when you request it. Same balance, same benefits, only heavier.
06The math
See what idle money is costing you.
Drag the slider. We'll show an illustrative comparison vs. a checking account paying 0.07%. Actual Aave V3 APY is variable and changes per block.
Balance
$10,000
You'd earn in a year
$500.00
Earning $0.00007923 / second, right now
illustrative, at a 5% assumed APY on Aave V3. Actual rate is variable, not a guarantee.
07Early access
Early Normies say the quiet part loud.
Verbatim notes from the closed beta — names changed at member request. 62 testers · 14 cities · 0 chargebacks
I moved $40k over in January. It's just there, earning. I spend it like a regular debit card and watch the balance tick up every block. Feels illegal.
"The metal card arrived in six days. Tapped it at a bodega that night. Settlement showed in the app before I pocketed my change."
"Finally killed my checking account. Emergency fund is doing 5.4% and I can still buy coffee with it. That's the entire pitch, and they nailed it."
08Side by side
Normies vs. your bank card.
| Typical bank debit | Normies | |
|---|---|---|
| Balance earns yield while you spend | No | 3–8% APY |
| 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 |
09Security
No one at Normies can touch your money.
Not even us.
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. See the full security model →
MPC key management
Three-shard split via Privy. The key is never assembled in one place. Device + auth + recovery.
Bank-partner card issuing
Issued by Rain on Visa rails. The bank partner is regulated; fraud disputes work exactly like any Visa card.
Audited DeFi yield
Aave V3 has 5+ years live, multi-audit (OpenZeppelin, Trail of Bits, Certora). $30B+ in historical deposits.
10Where it works
Anywhere Visa is.
Apple Pay and Google Pay supported on day one. A single 1% FX markup on non-USD purchases, no spread games, no surprise fees.
11Spec sheet
Limits, fees, and the fine print.
Spending limits Daily / monthly
- Daily purchase limit:
$10,000(raisable on request) - Monthly purchase limit:
$50,000 - ATM withdrawal:
$1,000 / day,$5,000 / month - Contactless per-tap cap:
$200(chip + PIN for larger)
Fees All-in
- 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 spendable balance is held in USDC on Base. We route through Aave V3 for continuous yield and unwind just-in-time at tap. USDT and PYUSD support coming in Q3 2026.
Compliance & eligibility US rollout
Launching to US residents 18+ in Q2 2026, with phased rollout to EU, UK, and select APAC markets through H2 2026. KYC via Persona. Issued by Rain 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. Nothing is custodied by us.
12Quick answers
What you're probably wondering.
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, typically 3–8% on USDC lent into Aave V3. The app shows the live rate at all times. You keep what you've already earned even if rates drop.
When does the card ship?
Virtual cards unlock immediately on verification. Metal cards are mailed free on request. Currently in closed beta with a US rollout in Q2 2026. Join the waitlist →
What happens when I spend?
At tap, Rain authorizes the purchase. We pull only the exact amount from your USDC balance (just-in-time), convert to USD on the Visa network, and settle with the merchant. The rest keeps earning.
Are there fees?
No monthly fee. No minimum balance. No annual card fee. No yield haircut. Just network-level fees if you do international transactions, standard Visa foreign-transaction rate.
Cohort 01 · 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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