{"data":{"type":"company_profile","id":115439,"entity_id":"wefunder:company:115439","attributes":{"canonical_url":"https://wefunder.com/normalfinance","generated_at":"2026-06-22T20:04:14Z","updated_at":"2026-06-22T05:03:34Z","entity_ids":{"company":"wefunder:company:115439","slug":"wefunder:company_slug:normalfinance"},"profile_visibility":{"owner_published":true,"public_search_results":true,"site_search_listed":true,"privacy_mode":"promote","invite_only":false},"provenance":{"source":"wefunder_public_company_profile","as_of":"2026-06-22T20:04:14Z","claims":{"total_amount_raised":{"source":"FrontCompanySummary#amount_raised","last_verified_at":"2026-06-22T05:03:34Z","as_of":"2026-06-22T20:04:14Z","confidence":"high"},"total_investors":{"source":"FrontCompanySummary#number_of_investors","last_verified_at":"2026-06-22T05:03:34Z","as_of":"2026-06-22T20:04:14Z","confidence":"high"},"active_raise_states":{"source":"Fundraise.visible(nil, nil)","last_verified_at":"2025-02-06T01:17:55Z","as_of":"2026-06-22T20:04:14Z","confidence":"high"},"latest_fundraise_state":{"source":"Fundraise.visible(nil, nil).order(funding_started_at)","last_verified_at":"2025-02-06T01:17:55Z","as_of":"2026-06-22T20:04:14Z","confidence":"medium"}}},"company":{"id":115439,"entity_id":"wefunder:company:115439","slug":"normalfinance","name":"Normal","tagline":"Neobanking for crypto investors with free and instant fiat to crypto trading","elevator_pitch":"We're the easiest, cheapest, and fastest way for crypto investors to convert fiat to/from crypto and use their funds on Web 3.0 sites.","story":"In 2016, I stumbled upon this little thing called Bitcoin and immediately fell in love. At the time, it was only $2,000. If I had money back then…well, let’s just say I wouldn’t need to raise anything right now :)I was in high school though, and gradually invested in crypto more and more each year. As my affection for crypto investing grew, I found myself continually running into crazy 3-5% fees and 5-7 day settlements times when buying crypto on Coinbase or Gemini.There Had To Be A Better Way To Invest In CryptoThis past December, I set out to build a better solution...a bank account with all your favorite features like direct deposit, a debit card, and ATM access, with the added ability to buy and sell crypto for free (yes, free) with instant settlement. Normal Was BornIn March, I decided to leave my job as lead software engineer at a fintech company called Finotta to pursue building Normal full time. Since then, a lot of amazing things have happened.ProgressBanking and Crypto PartnerIt’s taken dozens of meetings and hours of research, but I’ve successfully found and partnered with a phenomenal banking and crypto partner to bring Normal’s vision to life.Mobile AppI’ve also built the mobile banking app for Normal which will be available on both iOS and Android. It looks and feels very similar to your current banking app, but with a handful of more useful design choices and budgeting tools.Crypto WalletAs an extension to this first iteration of Normal, I’ve also designed and built a new crypto wallet and connected browser extension allowing you to instantly use your fiat or crypto funds on your favorite Web 3.0 sites like Opensea, Uniswap, and more. This feature will not be available until next year.We Got Accepted!Normal has also been accepted into the Antler Startup Accelerator in Boulder, Colorado this summer! It’s a 6 week program focused on team building, idea validation, product market fit, coaching, mentoring, and so much more. The last week is Pitch Week with the opportunity to receive $200k in funding! All Antler companies continue to receive advising and guidance regardless of the investment decision.VisionI’m building Normal to connect the best features of traditional banking with the amazing new benefits crypto and DeFi have to offer. Crypto is still very technical and confusing (even for me as a software engineer!) and I strongly believe easy to use design is a must to share the benefits of crypto with everyone. My ultimata goal is to build the perfect gateway for people to invest in and use their crypto to empower their financial lives.Let's Do ThisI need your help in bringing Normal to life and making crypto easier than ever to invest in. Let’s destroy those annoying fees and ridiculous settlement times. It’s your money, you deserve better. Let’s make crypto mainstream.Additional InfoNormal Pitch Deck","location":"Chicago, IL","website":"https://www.normalfinance.io/","total_amount_raised":83255,"total_investors":50,"is_funded":true,"is_active":true,"quality_score":3,"related_urls":["https://wefunder.com/normalfinance","https://www.normalfinance.io/"]},"media":{"share_image_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/115439/xxl_cropped_0.jpg","logo_url":"https://uploads.wefunder.com/uploads/company/logo/115439/large_avatar.jpg","header_media_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/115439/standard_cropped_0.jpg","cover_photo_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/115439/standard_cropped_0.jpg","profile_video_url":"https://wefunder.wistia.com/medias/ufrmfw21lh"},"links":{"company_url":"https://www.normalfinance.io/","twitter_url":"http://twitter.com/normalfi","facebook_url":"https://www.facebook.com/normalfinance"},"highlights":[],"quick_facts":[{"index":1,"claim_id":"claim-fact-1","value":"💰 Buy and sell crypto with fiat for completely free"},{"index":2,"claim_id":"claim-fact-2","value":"💳 Spend fiat or crypto from a single debit card"},{"index":3,"claim_id":"claim-fact-3","value":"⚡️ Convert between fiat and crypto with instant settlement - no more waiting up to 7 days"},{"index":4,"claim_id":"claim-fact-4","value":"🤖 120+ user waitlist ready to get started"},{"index":5,"claim_id":"claim-fact-5","value":"🏔 Accepted into Antler Startup Accelerator with $150k in funding"},{"index":6,"claim_id":"claim-fact-6","value":"🔒 Banking and crypto program partners secured"},{"index":7,"claim_id":"claim-fact-7","value":"🚀 Never miss another crypto investment"}],"team":[{"id":2724151,"entity_id":"wefunder:company_role:2724151","user_entity_id":"wefunder:user:2608925","role":"founder","name":"Joshua Blew","title":"Founder \u0026 CEO","bio":"Self-taught programmer and crypto investor of 7 years.\u0026nbsp;Employee #2 at fintech startup Finotta for 3 years - 2 of which as Lead Software Engineer.\u0026nbsp;Rising Senior at DePaul University studying Computer Science","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/2724151/square_cropped_joshuablew.jpg?1773757813","profile_url":"https://wefunder.com/joshua.blew","linkedin_url":"https://www.linkedin.com/in/joshuablew/","twitter_url":"https://twitter.com/JoshuaBlew","related_urls":["https://wefunder.com/joshua.blew"]}],"featured_investors":[{"id":4828,"entity_id":"wefunder:company_investor_profile:4828","investor_profile_id":2162575,"investor_profile_entity_id":"wefunder:investor_profile:2162575","subject_entity_id":"wefunder:user:2693371","name":"Thomas Woodward","role_title":"","bio":"I've been a Finance \u0026amp; Fintech dual-credit professor at Summit Technology Academy for 5 years. I also was a financial advisor for 15 years.","avatar_url":"http://uploads.wefunder.com/uploads/user/avatar/2693371/medium_blob.jpg","profile_url":"https://wefunder.com/thomaswoodward","endorsement_name":"","investment_total":10000,"investment_info":"Invested $10,000 this round","is_lead_investor":true,"related_urls":["https://wefunder.com/thomaswoodward"]}],"investor_memos":[],"tab_counts":{"posts":0,"ask_questions":5,"featured_investors":1,"faq_entries":5},"active_fundraises":[{"id":63134,"entity_id":"wefunder:fundraise:63134","state":"successful","offering_type":"4(a)(6)","funding_type":"note","structure":"safe","security_type":"equity","currency":"USD","testing_the_waters":false,"min_purchase":100,"max_purchase":9,"funding_target":50000.0,"funding_started_at":"2022-07-12T00:56:04Z","funding_closed_at":"2022-08-06T04:02:04Z","auto_close_at":"2022-08-06T03:59:59Z"},{"id":63135,"entity_id":"wefunder:fundraise:63135","state":"successful","offering_type":"4(a)(6)","funding_type":"note","structure":"ttw","security_type":"equity","currency":"USD","testing_the_waters":true,"min_purchase":100,"max_purchase":9,"funding_target":250000.0,"funding_started_at":"2022-04-28T21:08:30Z"}],"latest_fundraise":{"id":63134,"entity_id":"wefunder:fundraise:63134","state":"successful","offering_type":"4(a)(6)","structure":"safe","testing_the_waters":false,"can_invest_now":false,"funding_started_at":"2022-07-12T00:56:04Z","funding_closed_at":"2022-08-06T04:02:04Z","terms":{"eb":null,"nb":"$3M","txt":"valuation cap"}},"recent_posts":[],"q_and_a":[{"id":213566,"entity_id":"wefunder:comment:213566","question":"Hey Joshua, I love the concept. I see user funds are converted into stable coin to be stored on the platform. With the recent unpegging of several stable coins, do you think user confidence will waver? Is there any equivalent to FDIC with Normal Finance? Also, have you raised any money before this or will this be the first round of funding?","author_name":"Randon Mortland","votes":3,"created_at":"2022-08-01T23:19:07Z","canonical_url":"https://wefunder.com/normalfinance#question-213566","answers":[{"id":213782,"entity_id":"wefunder:comment:213782","answer":"Hey Randon, Thanks for the questions and support! With all the recent turmoil in the stablecoin realm - and even one of our competitors going bust because of it - we've decided to place the \"DeFi savings account\" concept on the back burner for the tech to even itself out once more. We're instead focused on providing zero-fee fiat to crypto with no lockup periods and instant Web3 usage. All funds in your Normal bank account are FDIC protected. I'd like to eventually work with the FDIC and connected institutions to extend coverage to stablecoins or create a similar protection. This is our first round of funding and crowdsourcing campaign. The company has been funded from my personal savings thus far. We're also raising money from Antler as we're currently at their startup accelerator in Boulder, Colorado! Best, JB","author_name":"Joshua Blew","votes":0,"created_at":"2022-08-03T18:18:40Z"}]},{"id":213106,"entity_id":"wefunder:comment:213106","question":"Hi Joshua, thanks for your answers. got further questions. Do you have a web version also or only on app. There is cut throat competition in this business, so do you plan to compete, esp with no charges policy.","author_name":"Harish Damodhardas Asar","votes":2,"created_at":"2022-07-28T22:04:18Z","canonical_url":"https://wefunder.com/normalfinance#question-213106","answers":[{"id":213517,"entity_id":"wefunder:comment:213517","answer":"Of course! We've prioritized mobile for iOS and Android as it's the most versatile and in-demand form of digital banking. After launch, we will release a web version that supports all the same features. We absolutely plan to compete :) We've already been kicking butt! We have the best experience on the market to buy and sell crypto and have incredible plans in our product roadmap to continue differentiating ourselves from everyone else in this space. Once we can officially launch with the right funding, we'll really be able to grow fast as all the benefits of our platform will be proven. Best, JB","author_name":"Joshua Blew","votes":0,"created_at":"2022-08-01T17:07:46Z"}]},{"id":212023,"entity_id":"wefunder:comment:212023","question":"When does your fund raise close. at present how many cryptos can be traded.","author_name":"Harish Damodhardas Asar","votes":2,"created_at":"2022-07-18T21:11:29Z","canonical_url":"https://wefunder.com/normalfinance#question-212023","answers":[{"id":212068,"entity_id":"wefunder:comment:212068","answer":"Hey Harish, great questions! 1) We will close the fundraise as soon as we can. Wefunder - and the SEC - require us to wait at least 21 days from filing our Form C before we can close. Therefore, closing should happen within the first week of August. 2) Currently, we support BTC, ETH, LTC, DOGE, and USDC. The assets are limited due to the crypto wallets and trading being provided by a 3rd party - Zero Hash. We're actively developing our own non-custodial wallet and liquidity which will give you ownership of your private keys and access to hundreds of crypto trading pairs. We plan to release this as soon as possible and are working on the necessary partnerships to make it happen. Best, JB","author_name":"Joshua Blew","votes":0,"created_at":"2022-07-19T16:46:04Z"}]},{"id":210994,"entity_id":"wefunder:comment:210994","question":"Hello, I invested just a small amount and have some questions please. 1) With a minimal waitlist and recent crypto crash - How do you plan to achieve an explosive growth in users? 2) I can see you are a capable programmer, but to grow a startup into a large corporation requires an unbelievable skillset - Do you have any entrepreneurship experience, and would most people who know you in person for a very long time consider you as someone motivated and capable to build let's say a $1B business? Thank you. V","author_name":"Vilem Fruhbauer","votes":1,"created_at":"2022-07-08T12:48:12Z","canonical_url":"https://wefunder.com/normalfinance#question-210994","answers":[{"id":211268,"entity_id":"wefunder:comment:211268","answer":"Hey Vilem, Thank you for your investment! I'd love to answer your questions: 1) The waitlist is now over 200 people and we're planning to launch a referral program shortly that will begin growing it exponentially. We're currently at the Antler startup accelerator and are receiving tons of amazing feedback and motivation to implement strategies like this for massive growth. Our goal for the 6 week program is to reach 2k people on the waitlist. Our product is the natural next step for many crypto investors' toolsets - this along with focusing on perfecting 2 to 3 features initially will allow us to grow organically via word of mouth by providing a truly amazing product. 2) Building a successful company does indeed require a very capable and unique individual as well as an amazing team. As a founder, I have many strengths and many weaknesses. Before starting Normal, I worked as lead software engineer and #2 employee for a fintech startup called Finotta for 3 years where I learned a ton about building and delivering product, raising money, managing a team, and growing a startup. This unique set of experiences along with my ability to program has enabled the progress Normal has seen thus far. I just hired our first team member and am actively seeking other individuals to build out the initial team. These amazing people are/will be excellent in the areas I'm not strong as a founder, allowing us as a unit to succeed. I don't like to tout my own horn, but everyone who knows me well knows I'm not your average 21 year old and am very gifted in my ability to learn anything I set my mind to and create the things I think and dream about. Most of the capital within this raise is from friends and family who believe that so much they were willing to put money behind it. Regardless, there is so much I have yet to learn, but that's what building a team is for and taking things one step at a time each day to build something truly amazing. Best, JB","author_name":"Joshua Blew","votes":1,"created_at":"2022-07-12T01:42:51Z"}]},{"id":210897,"entity_id":"wefunder:comment:210897","question":"Hello Joshua, Congrats on Wefunder campaign! I have few questions before I make a investment decision. 1) What are the coins planned for giving 9% interest to customers. Recently Blockfi was suspended from giving Interest account to new deposits. Will SEC approve all types of coins? 2) Any reasons on focusing on Android and ios at the early stage, instead of just ios? 3) Do you plan to provide the crypto and banking service by yourselves or rely on other companies? 4) How do you achieve instant crypto transfers and why coinbase or gemini like companies not providing this service?","author_name":"Karthikeyan Kuppusamy","votes":1,"created_at":"2022-07-07T19:28:41Z","canonical_url":"https://wefunder.com/normalfinance#question-210897","answers":[{"id":210945,"entity_id":"wefunder:comment:210945","answer":"Hey Karthikeyan, thanks for the great questions and schedule a meeting to review them. I'll add what we talked about here for others to benefit from as well. 1) Our product release will happen in two phases. Phase 1 will be the bank account and zero-fee/instant settlement fiat to crypto trading. Phase 2 will include our custom crypto wallet, browser extension, and \"one-click\" DeFi investing features. These will primarily leverage stablecoins such as USDC and USDT and decentralized protocols like Aave and Compound to generate interest - however, you'll be able to customize each DeFi investment to your choosing. Your funds are not lent to Normal, nor do we ever touch or have control of them. We simply connect you to the best DeFi opportunities far cheaper and faster than you can today. 2) Normal will be available for both iPhone and Android in order to support as many users as possible. Our mobile development design is cross-platform, so we're launching in both app stores! 3) Great question! We originally wanted to integrate directly with a bank, but quickly learned this process requires very special legal structures, policies, licenses, and programs. In order to bring value to users as quickly as possible, we decided to partner with a Banking as a Service provider to circumvent this laborious process. However, we do plan to integrate with a bank directly once we've reached some scale to expand our product and build our overall vision. 4) Our banking and crypto partner allows us to set our own pricing on crypto trades. Therefore, we decided to make it completely free so we can offer the best product possible and because this is something we want ourselves too! We generate revenue off the debit card interchange fees, which allows us to make this amazing decision. Large companies like Coinbase and Gemini cannot and will not be able to offer this because practically all of their revenue has been built of trading fees since they were started. Because we are a new company, we can build a better platform from the ground up.","author_name":"Joshua Blew","votes":1,"created_at":"2022-07-08T00:03:51Z"}]}],"faq":[{"question":"Hello Joshua, Congrats on Wefunder campaign! I have few questions before I make a investment decision. 1) What are the coins planned for giving 9% interest to customers. Recently Blockfi was suspended from giving Interest account to new deposits. Will SEC approve all types of ...","answer":"Hey Karthikeyan, thanks for the great questions and schedule a meeting to review them. I'll add what we talked about here for others to benefit from as well. 1) Our product release will happen in two phases. Phase 1 will be the bank account and zero-fee/instant settlement fiat to crypto trading. Phase 2 will include our custom crypto wallet, browser extension, and \"one-click\" DeFi investing features. These will primarily leverage stablecoins such as USDC and USDT and decentralized protocols l..."},{"question":"Hello, I invested just a small amount and have some questions please. 1) With a minimal waitlist and recent crypto crash - How do you plan to achieve an explosive growth in users? 2) I can see you are a capable programmer, but to grow a startup into a large corporation require...","answer":"Hey Vilem, Thank you for your investment! I'd love to answer your questions: 1) The waitlist is now over 200 people and we're planning to launch a referral program shortly that will begin growing it exponentially. We're currently at the Antler startup accelerator and are receiving tons of amazing feedback and motivation to implement strategies like this for massive growth. Our goal for the 6 week program is to reach 2k people on the waitlist. Our product is the natural next step for many cryp..."},{"question":"When does your fund raise close. at present how many cryptos can be traded.","answer":"Hey Harish, great questions! 1) We will close the fundraise as soon as we can. Wefunder - and the SEC - require us to wait at least 21 days from filing our Form C before we can close. Therefore, closing should happen within the first week of August. 2) Currently, we support BTC, ETH, LTC, DOGE, and USDC. The assets are limited due to the crypto wallets and trading being provided by a 3rd party - Zero Hash. We're actively developing our own non-custodial wallet and liquidity which will give yo..."},{"question":"Hi Joshua, thanks for your answers. got further questions. Do you have a web version also or only on app. There is cut throat competition in this business, so do you plan to compete, esp with no charges policy.","answer":"Of course! We've prioritized mobile for iOS and Android as it's the most versatile and in-demand form of digital banking. After launch, we will release a web version that supports all the same features. We absolutely plan to compete :) We've already been kicking butt! We have the best experience on the market to buy and sell crypto and have incredible plans in our product roadmap to continue differentiating ourselves from everyone else in this space. Once we can officially launch with the rig..."},{"question":"Hey Joshua, I love the concept. I see user funds are converted into stable coin to be stored on the platform. With the recent unpegging of several stable coins, do you think user confidence will waver? Is there any equivalent to FDIC with Normal Finance? Also, have you raised ...","answer":"Hey Randon, Thanks for the questions and support! With all the recent turmoil in the stablecoin realm - and even one of our competitors going bust because of it - we've decided to place the \"DeFi savings account\" concept on the back burner for the tech to even itself out once more. We're instead focused on providing zero-fee fiat to crypto with no lockup periods and instant Web3 usage. All funds in your Normal bank account are FDIC protected. I'd like to eventually work with the FDIC and conn..."}]}}}