20 questions, answered in plain English.

Normies is one app for your money and digital assets: net-worth tracking, connected external accounts, self-custody crypto, partner-enabled transfers, card access, Cash, and Yield. One place, no juggling.

Normies is for adults 18 and older. What you can use depends on your country, U.S. state, provider, asset, route, and eligibility. The app shows which features are available to you, along with any limits that apply.

Not for basic account setup, financial tracking, or eligible self-custody features. You will need to verify for partner-enabled features like bank transfers and card access, and we may ask for verification where security, legal, or eligibility reasons require it.

Depending on what's available to you: an eligible external card, a supported bank transfer, or a crypto transfer. The app shows the supported methods, assets, timing, and any applicable charges before you confirm.

Eligible users can receive incoming transfer details and send money to supported external bank accounts. Available routes and timing vary by region and provider.

Under the current fee schedule, Normies doesn't charge its own Cash or Yield transaction fee. You may still pay gas reimbursement and transaction-specific provider or network charges, things like swap, bridge, card, on-ramp, off-ramp, or bank-transfer costs. Whatever applies is shown in the app before you confirm.

A card for eligible users. Once you're approved, make eligible funds available for card use, then manage the card and your transactions in the app. Current Card Terms provide a 0% purchase APR; other fees, limits, and program terms may apply. Cash and Yield are separate Normies features and are not part of the card program.

Online and in-store where the card is accepted, subject to program, merchant, and geographic restrictions. Supported mobile-wallet options are shown in the app. One hard rule: the Normies Card may not be used to purchase or trade digital currencies.

Yes. Freeze or unfreeze the card in one tap in the app, and watch transactions as they post. Applicable fees and limits are shown in the app.

USDC is a digital asset issued by Circle, designed to track the U.S. dollar. It is not a bank deposit and not FDIC-insured, and its market value can deviate from $1.

Normies Labs, LLC is a financial technology company, not a bank. Cash is a self-custody USDC balance for supported money movement. It is not a bank account or an FDIC-insured deposit, it does not earn Yield, and it is separate from funds you make available for card use.

Yield lets eligible users put supported USDC into an Aave V3 strategy and earn a variable rate, shown in the app. Rates are not guaranteed and principal loss is possible. Yield is separate from Cash.

No. Rates can change, can fall to zero, and principal loss is possible, from smart-contract, stablecoin, market, network, liquidity, and other risks (see Disclosures).

Request a move from Yield back to Cash in the app. Timing depends on available liquidity, network conditions, and the transaction flow, and you may need to review updated details and confirm again.

Self-custody means digital assets are held in wallet addresses associated with you rather than being held by Normies in a custodial account. How you authorize transactions and recover access depends on the wallet type and transaction flow. See our Security page.

The default Normies wallet has no seed phrase to manage. You can also import supported wallets; imported seed phrases and private keys stay on your device and are not stored by Normies.

If you lose a device, use the recovery options available for your wallet. On-chain assets stay at their wallet addresses, but access depends on completing the applicable recovery process. Keep your recovery methods current.

Yes. Send and swap supported digital assets across available networks and routes. Quotes, assets, fees, and network support vary. On-chain transactions are generally irreversible, so check the details before you confirm.

Tokenized assets give you blockchain-based exposure to an underlying or reference asset. Availability and holder rights vary by issuer, asset, and jurisdiction, and a token may not represent direct ownership of the underlying shares.

Normies provides transaction history and activity records where available, but not tax advice, and we don't guarantee tax forms or tax-ready reports. Your records, reporting, and professional advice are your responsibility.