N3XT

N3XT is a Wyoming bank, operating as N3XT, Inc. and supervised by the Wyoming Division of Banking, that offers fully reserved US-dollar accounts for programmable round-the-clock business payments. Its marketing line is to build in crypto and bank in dollars.

Services The bank lists USD business accounts and payments, programmable settlement, an API and an MCP interface. It also issues the N3XT Digital Dollar (NDD), a bank-issued tokenised deposit. Internal USD settlement is instant and available 24/7, while NDD allows programmable on-chain settlement.

Safeguarding The bank states that deposits are held in cash and liquid US government Treasury instruments and are not lent out. They are not FDIC insured, so the protection model differs from that of a conventional insured bank.

Onboarding Customers are businesses and institutional clients. Counterparties must complete full KYC, and blockchain addresses used for NDD are screened and allowlisted.

Crypto scope The infrastructure is explicitly scoped to fiat account and payment services for crypto-related corporate or institutional businesses, with legal entity and onboarding restrictions. It should not be read as general acceptance of any crypto business.

Who it suits The offer suits crypto firms and fintechs that need dollar accounts with instant settlement and tokenised deposits. Fees and eligibility are set individually.