Normal Finance has officially launched its on-chain investing protocol on the Stellar network, letting users gain exposure to Bitcoin, Ethereum, Solana, Cardano, and XRP without leaving Stellar. The protocol uses USDC-backed synthetic positions that settle entirely on-chain, eliminating the need for bridges or centralized exchanges while maintaining full self-custody. Users can create an account withContinue reading “The Investment Layer for Crypto: Normal is Live on Stellar”
Author Archives: Bot
Blend: The Lending Primitive Nobody’s Talking About
Blend Capital has emerged as Stellar’s most significant DeFi protocol, surpassing $120M in total value locked with stablecoin yields reaching 14% — all from actual borrower interest rather than token emissions. A detailed analysis explores how Blend solves DeFi lending’s fundamental governance bottleneck by allowing anyone to deploy isolated lending pools without proposals or votes.Continue reading “Blend: The Lending Primitive Nobody’s Talking About”
A Tokenized World: The New Normal
Normal Finance explores how tokenization is moving from concept to infrastructure, reshaping who can access assets and how capital flows globally. By representing ownership as blockchain-native tokens, traditionally illiquid assets like real estate, private markets, and commodities become programmable, composable, and transferable to anyone with a wallet. The article argues this isn’t just about efficiencyContinue reading “A Tokenized World: The New Normal”
Normal 2025 Recap
Normal Finance looks back on 2025 as the year it evolved from a centralized product into a fully self-custodial, decentralized protocol on Stellar. The team wrote over 30,000 lines of production-grade Soroban smart contract code to build self-custodial wallets, automated market makers, a decentralized exchange, synthetic asset infrastructure, and fully customizable on-chain crypto index tokens.Continue reading “Normal 2025 Recap”
Jay Malve Promoted to Chief Technology Officer at Normal
Normal Finance has promoted Jay Malve to Chief Technology Officer just four months after joining as a full-stack engineer. Malve, an eight-time hackathon winner with experience leading engineering teams across India, Dubai, and the United States, has been central to building Normal’s on-chain index funds on Stellar, supporting the Halborn security audit, and shaping theContinue reading “Jay Malve Promoted to Chief Technology Officer at Normal”
Why Normal Chose to Build on Stellar
Normal Finance explains why it chose the Stellar network as the foundation for its crypto investing protocol. The team evaluated blockchains on four criteria — low-cost execution, scalability, global reach, and alignment with real-world financial inclusion — and found Stellar checked every box. With five-second transaction finality, fees averaging $0.0001, and over five million transactionsContinue reading “Why Normal Chose to Build on Stellar”
U.S. Strategic Crypto Reserves: A New Way to Build National Wealth
Normal Finance examines the U.S. Strategic Bitcoin Reserve and Digital Asset Stockpile, established in March 2025 under an executive order. The reserve holds approximately 200,000 Bitcoin alongside holdings of Ethereum, XRP, Solana, and Cardano sourced from seized assets, with a combined value exceeding $22 billion. The article puts this in global context alongside similar movesContinue reading “U.S. Strategic Crypto Reserves: A New Way to Build National Wealth”
A Normal Crypto Cheat Sheet: A Total Crypto Market Overview
Normal Finance has published a comprehensive overview of the cryptocurrency market as of August 2025, when total market capitalization reached approximately $4 trillion with Bitcoin at 57.5% dominance. The report covers key sectors including the top 15 cryptocurrencies, stablecoins, Layer 1 protocols, DeFi, AI integrations, real-world assets, gaming, and DePIN, alongside macro trends like institutionalContinue reading “A Normal Crypto Cheat Sheet: A Total Crypto Market Overview”
Normal Upgrades Engineering Team with Addition of Full Stack Engineer Jay Malve
Normal Finance has brought on full-stack engineer Jay Malve, strengthening the development team as the project approaches its Stellar mainnet launch. Malve holds a computer science degree and is pursuing a master’s at the University of Colorado Boulder, with experience from winning eight hackathons across four countries including a best financial application award at ETHContinue reading “Normal Upgrades Engineering Team with Addition of Full Stack Engineer Jay Malve”
Introducing Mercury Light Clients: A Leaner and Open Revamp to Mercury
Mercury Light Clients represent the evolution of the Mercury ecosystem, focusing on a leaner deployment model with reduced dependency on a centralized data feed. The redesign comes after evaluating Mercury’s performance to validate its product-market fit without continuous reshaping. The light clients push execution outward, open-source the runtime, and reduce operational workload, which is expectedContinue reading “Introducing Mercury Light Clients: A Leaner and Open Revamp to Mercury”