The 3 main risks to keep in mind when using Normal Lending

This section is very important. You should seek to fully understand any investment before making it. We've kept it simple with the three Ps below:


Every lending investment is held in a 50/50 split across two cryptocurrencies:


Polygon (MATIC)






USDC is a stable-coin, which just means its value tracks the U.S. dollar, so this half of your investment will NOT change in value over time.

Polygon, on the other hand, is a crypto asset that is openly traded by millions each day. Its value fluctuates, meaning this half of your investment will change in value.

Things to keep in mind

  1. Crypto is an appreciating market so prices tend to go up (although they do go down)

  2. You're earning interest which will help offset any potential loss in value due to price


We currently use a single lending protocol known as Uniswap. Uniswap is the largest and most used application on the blockchain. They've been around since 2018 and have processed over $1.7 trillion in trades and maintain billions in loans every single day.

Nevertheless, there will always be a risk that a protocol such as Uniswap may experience an outage, hack, or other inefficiency that causes negative effects to your investments.

It's important that you understand the purpose of Normal Lending is to make using applications like Uniswap far easier than they currently are, and that the success of your investments is highly correlated the success of this protocol.

Things to keep in mind

  1. Uniswap is frequently audited by top security firms and the results are shared publicly

Personal Crypto Wallet

This risk is not applicable to the current version of Normal Lending, but will be for an upcoming release.

Your personal crypto wallet is your key to the world of DeFi. It gives you freedom to manage your finances privately, securely, and more affordably than using a bank or credit union.

However, it also requires a level of security that only you can uphold.

If you lose or share your crypto wallet's private key, your Normal Lending investments will be subject to theft or loss.

We take many security measures to ensure this can't happen while using our platform, but at the end of the day we cannot control what you do with your wallet.

Things to keep in mind

  1. NEVER share your crypto wallet private key with anyone!

  2. NEVER interact with unknown or weird looking tokens or NFTs in your wallet

  3. ALWAYS make sure you're using our official website (app.normalfinance.io)

Make your first investment today

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