# Supply USDC

Supplying USDC to your Normal savings account takes a few seconds. Once supplied, your funds automatically start earning yield through DeFindex and Blend Capital. No active management required.

#### **How to Supply USDC**

If you have USDC in your connected Stellar wallet, you can supply it to your savings account directly from the Normal app.

**Steps:**

1. Log into your Normal account
2. Navigate to the **Savings** section in your dashboard
3. Click "Supply" or "Deposit"
4. Enter the amount of USDC you want to supply
5. Review the transaction details (amount, estimated APY, expected vault tokens)
6. Approve the transaction in your wallet
7. Wait for the transaction to settle on the Stellar network (typically a few seconds)

Once confirmed, your USDC starts earning yield immediately.

#### **Earning Yield**

Your supplied USDC earns a variable APY based on real-time conditions in Blend Capital's lending pools.

#### **How yield is generated:**

* DeFindex routes your USDC into the highest-yielding Blend pools
* Borrowers pay interest on their over-collateralized loans
* Rewards (interest plus BLND incentives) are harvested automatically
* Earnings are swapped to USDC and reinvested back into the pool

**Your APY is variable.** Rates rise when borrower demand is high and fall when liquidity is plentiful. You can monitor your current APY and earned interest at any time from the dashboard.

There are no lockups, no minimum deposit periods, and no penalties for withdrawing.

#### **Withdrawing Your Funds**

You can withdraw your USDC anytime, with no waiting period.

**Steps:**

1. Navigate to the **Savings** section
2. Click "Withdraw"
3. Enter the amount of USDC you want to withdraw (or select "Max")
4. Review the transaction
5. Approve in your wallet

Your USDC, including any yield earned, returns to your Stellar wallet within seconds.

#### **Don't Have USDC Yet?**

If your Stellar wallet doesn't have USDC, you can fund it a few ways.

**Transfer from another wallet or exchange**

If you already hold USDC on Stellar, send it directly to your wallet address. Make sure the network is set to Stellar before sending.

{% hint style="warning" %}
**Important:** Your wallet only supports Stellar-native assets. If you send USDC from another chain (Ethereum, Polygon, Solana, etc.) without bridging it first, your funds will be lost and cannot be recovered. Always confirm the network is **Stellar** before sending.
{% endhint %}

{% hint style="info" %}
**Heads up: Activate your wallet first**

Before you can supply USDC, your Stellar wallet needs to be activated with at least **1 XLM**. This is a Stellar protocol requirement that lets your wallet hold and transact assets. If your wallet hasn't been activated yet, see Create an Account for setup instructions.
{% endhint %}

#### **Direct purchase**

Normal is integrating multiple on-ramp providers so you can purchase USDC directly inside the app:

* **Coinbase Pay** — debit card, ACH bank transfer, Apple Pay, Coinbase balance
* **Stripe Pay (coming soon)** — debit card, ACH bank transfer, Apple Pay, Google Pay
* **MoneyGram** **(coming soon)**— cash drop-off at a physical MoneyGram location

These options will go live soon, with availability depending on your location.

#### **What's Next?**

Once you've supplied USDC:

* Track your balance and APY in the dashboard
* Yield accrues continuously, no manual claiming required
* Withdraw anytime back to your Stellar wallet


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