A New Standard for B2B Payments

Liberating Money

Your instant USD payment network for B2B transactions

Domestic & Worldwide availability

Full-reserve bank with programmable, real-time settlement

No need to fund your collateral accounts with extra capital or waste money on letters of credit. Our blockchain technology enables you to move your money 24/7 within a walled, protected garden, removing reliance on third-party intermediaries, legacy batch processing windows, and regular banking hours.

The Result

Lower risk
Faster access to liquidity
Less need for credit

Image visualising bank with people around it

How It Works

Unlock Liquidity. Instantly.

Get Started

24/7 Liquidity

Move your money any time. Not constrained by traditional banking hours.

Bank-Managed

Operates within the secure and regulated environment of a U.S. Bank.

No Lending

All of your deposits held in cash and liquid government treasury instruments.

Strictly Dollars

Always bank in U.S. dollars, with counterparties throughout the world.

Interoperability

Enables clients to easily move between traditional finance and digital assets.

Radical Transparency

We publish all of the securities in our portfolio, daily.

Resilience

Built to endure policy shifts and market disruptions.

Programmable

Set your terms. Conditions met? Money moves.

Why Businesses
Need N3XT

Businesses have been trapped in an outdated financial infrastructure where payments are delayed, settlement is opaque, and access to working capital is constrained. As a result, many businesses overpay to manage timing gaps — either by sitting on excess cash or relying on credit products to stay liquid.