NDD

N3XT Digital Dollar

The first ever tokenized dollar issued by a narrow bank.

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The N3XT Digital Dollargives you the speed and programmability of crypto, with the security of a regulated bank deposit.
It is not a stablecoin—it is a direct 1:1
digital title to a real U.S. dollar.
A Real Digital Dollar
Strictly backed 1:1 by cash and short-term U.S. Treasuries. No exposure to risky assets designed to provide institutional liquidity and transparency.
Secure Fund Recovery
Your money stays yours, no matter what. Lost your wallet keys? We can verify your identity, burn the lost tokens, and safely
reissue your funds.
Avoid Settlement & Counterparty Risk
Your funds are held in a fully reserved narrow bank. We do not lend out your deposits.
Accounting Certainty
Legally equivalent to cash, reducing the complex mark-to-market accounting and balance sheet volatility of traditional stablecoins.
Secure, Closed-Loop Network
Transactions only occur between verified, KYC/KYB-approved parties holding an on-chain "Identity Passport.”
Process

How It Works

Get Verified
Existing N3XT clients complete our secure screening to get your on-chain identity NFT.
Fund
Specify the 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 verified users.
Your NDD = $1 USD. Always.
Always- designed to maintain 1:1 parity through our full-reserve model.
Comparison

A New Way to Bank

We are a straight line from the bank to the blockchain, whereas most current offerings require users to navigate a web of complexity, handoffs and risk. NDD offers a user experience comparable to traditional banking while providing the speed, transparency, and programmability of Web3.

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Use Cases

A Comprehensive Financial Infrastructure Built for You

Businesses
Strictly backed 1:1 by cash and short-term U.S. Treasuries. No exposure to risky assets designed to provide institutional liquidity and transparency.
A Real Digital Dollar
Strictly backed 1:1 by cash and short-term U.S. Treasuries. No exposure to risky assets designed to provide institutional liquidity and transparency.
A Real Digital Dollar
Strictly backed 1:1 by cash and short-term U.S. Treasuries. No exposure to risky assets designed to provide institutional liquidity and transparency.
A Real Digital Dollar
Strictly backed 1:1 by cash and short-term U.S. Treasuries. No exposure to risky assets designed to provide institutional liquidity and transparency.

U.S. Dollars at a bank to U.S. Dollars on chain in 3 clicks.  No intermediaries.

Open an Account

With the N3XT Digital Dollar, worry less about depegging risk, reserve opacity, or irreversibility.