NDD

N3XT Digital Dollar

The first ever deposit token that's transferable beyond the walls of the bank.

What Makes NDD Unique

NDD is a straight line from the bank to the blockchain, whereas most current offerings require users to navigate a web of complexity and handoffs.

A Real Digital Dollar

Strictly backed 1:1 cash and short-term U.S. Treasuries, in order to provide institutional liquidity and transparency.

Transfer to Non-Account Holders

Following a blockchain address allowlisting, Non-Account Holder addresses can receive, hold, and transact with NDD.

Avoid Settlement & Intermediary Risk

Your funds are held in a fully reserved narrow bank. We do not lend out your deposits.

Get Started

View the Digital Dollar whitepaper on our Trust Center ↗.

View the official mainnet contract address on the Etherscan block explorer ↗.

The N3XT Digital Dollar combines the speed and programmability of crypto, the reach of a public chain, and the security of a regulated bank deposit.
Process

How It Works

N3XT Clients
Blockchain Address Screening

Existing N3XT clients complete our secure screening and receive a non-transferable NDDID token.

Fund

Specify the N3XT funds you want to use as NDD. We lock the USD in a secure digital lockbox and mint your 1:1 digital tokens.

Transact

Send payments on a public blockchain to other allowable blockchain addresses.

Non Account Holder
Coming soon
Blockchain Address Screening

Submit your non-custodial blockchain address for screening. The process is fast, but only after being added to the allowlist is NDD accessible.

Fund

Allowlisted addresses can receive NDD as payment from N3XT clients and other allowlisted addresses.

Transact

Send payments to N3XT client addresses or other allowlisted blockchain addresses.

Your NDD = $1 USD. Always.

Always designed to maintain 1:1 parity through our full-reserve model.

Security

Allowlisted Access Helps to Safeguard NDD

By screening blockchain addresses to create an allowlist, N3XT works to protect the soundness of the NDD network.

Join the only network that combines the comfort of a bank-issued token with the reach of the public blockchain.
Submit your blockchain address for approval
Coming soon

N3XT Clients

Addresses are screened and digitally signed, after which they receive a non-transferable NDDID. This allows them to mint, redeem and transact in NDD.

Non-account holder

Non-custodial blockchain addresses are submitted for allowlisting. Once approved, allowlisted addresses can receive and transact with NDD.

Join the only network that combines the comfort of a bank-issued token with the reach of the public blockchain.
Submit your blockchain address for approval
Coming soon
Use Cases

Use Cases

A Comprehensive Financial Infrastructure Built to Enable Modern Business and Banking Needs

Cross-Border Payments
Make instant cross-border payments without crypto accounting headaches.
Manage Risk
Execute complex, instant transactions while reducing settlement risk.
24/7/365 Execution
Leverage the speed and efficiency of blockchain technology.
Proof of Funds
Transactions are recorded on a public ledger making it easy to prove liquidity.
Comparison

Token Features

NDD is a first of its kind deposit token that is both bank-issued and accessible on a public chain.

Feature
N3XT Digital Dollar
(Full Reserve)
Tokenized Deposit
(Fractional Reserve)
Stablecoin
1:1 Backing
Yes
No
Yes
Available to Non-Customers
(Extendable Network)
Yes
Via Allowlisting
No
N/A
Open Network
Screened Access
Yes
Via Allowlisting
Yes
Fully Closed Loop
No
Open Network
Real-Time 24/7 Transfers
Yes
Yes
Limited to Bank Customers
Yes
ERC-20 Programmability or other
Yes
Yes
Limited to Bank Customers
Yes
Funds Recoverable if Keys are Lost
Yes
Only for Client Addresses
Mixed
Variable By Token
No
Unrecoverable
Testimonials

What our Clients and Partners Say

Ilya Volkov,
Co-founder and CEO of YouHodler

"The goal of digital finance has always been simple: connect real money with the speed and global reach of blockchain. Taking NDD beyond closed-loop banking to make it accessible to allowlisted wallets on public chain rails is a huge step in that direction. It offers the confidence of a USD bank deposit without compromising on reach or usability. Bringing NDD to YouHodler gives our clients a way to sync the rails, reach, and settlement speed of their dollar and digital asset transactions, and we're proud to partner with N3XT to further extend the reach of NDD."

Aaron de Haven,
CEO Haven Capital Advisors

"Tokenizing a dollar is the easy part. The hard part, which NDD is now enabling, is reaching wallets you do not control without losing governance, and doing it on the chain where the liquidity already exists."

Bentzi Rabi,
Co-Founder & CEO Utila

"Since day one of our partnership, it has been clear that the N3XT Digital Dollar is a paradigm shift. By taking NDD beyond bank walls to reach non-account holders, its latest evolution can redefine treasury operations by pairing public chain reach with bank-backed deposit status. Utila’s non-custodial platform is made for this kind of innovation and interoperability, giving institutional teams the control, safety, and confidence required to manage public chain digital dollar transactions."

Gabi Urrutia,
SVP Security & Field CISO Halborn

“N3XT’s allowless design is built to let a bank-issued, fully reserved dollar travel beyond its own depositors to any verified counterparty without giving up the compliance rigor of a regulated bank. That kind of reach needs security built in from the start, not layered on after launch. We’ve partnered closely with the N3XT team across the Digital Dollar roadmap, running penetration tests, smart contract assessments, and custody reviews. We’re proud to support them in setting a new standard for B2B payments.”

Mike Foy,
Chief Financial Officer, AMINA

"N3XT is building a digital dollar issued by a bank that can be moved 24/7. We are glad to join N3XT's payment network as a regulated banking partner."