N3XT

N3XT, Inc. is a financial technology company that operates as a full-reserve digital bank, leveraging blockchain technology to facilitate instant, programmable business-to-business (B2B) payments. Founded in 2023 by former executives of Signature Bank, the company is headquartered in Cheyenne, Wyoming, and operates under a Special Purpose Depository Institution (SPDI) charter. This regulatory framework allows N3XT to function as a 'narrow bank,' meaning it does not lend customer deposits. Instead, all funds are backed one-to-one by cash or short-term U.S. Treasury instruments, ensuring full liquidity and reducing counterparty risk for its clients.

The company's platform is designed to modernize the financial infrastructure for the digital economy, offering 24/7/365 settlement capabilities that bypass traditional banking delays. N3XT's proprietary private blockchain enables clients to utilize smart contracts for programmable payments, allowing transactions to execute automatically when specific conditions are met. This architecture supports seamless interoperability between traditional fiat currency and the digital asset ecosystem, catering to industries such as fintech, crypto-native firms, and global logistics. By combining the safety of a regulated financial institution with the speed and flexibility of blockchain technology, N3XT aims to liberate capital and improve working capital efficiency for businesses worldwide.