N3XT

N3XT is a Wyoming state-chartered Special Purpose Depository Institution (SPDI) offering instant, 24/7/365 USD payment settlement for business-to-business transactions on blockchain rails. Its full-reserve narrow-bank model backs every deposit 1:1 with cash and short-term U.S. Treasuries (no lending), and it issues the N3XT Digital Dollar (NDD) — a bank-regulated tokenized deposit with an on-chain KYC/KYB Identity Passport (NDDID). The N3XT API is a holistic banking API for businesses covering wallets and public-wallet onboarding, instant and programmable payments, payment requests, internal transfers, NDD mint/redeem, contacts, approvals and audit trail. It ships OAuth 2.0 authentication, Beta/Omega test environments, and a first-party hosted MCP server for AI/agent access.

N3XT publishes 11 APIs on the APIs.io network, including Approvals API, AuditTrail API, Businesses API, and 8 more. Tagged areas include Company, Crypto, Banking, Payments, and Stablecoins.

N3XT’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

49.5/100 developing ▬ flat Agent 46/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessSelf serve

1 APIs 1 MCP Servers

Company Crypto Banking Payments Stablecoins Fintech Blockchain MCP

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 49.5/100 · developing

Contract Quality 11.9 / 21

Developer Ergonomics 11.4 / 17

Access Clarity 5.6 / 17

Operational Transparency 0.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 9.3 / 15

Agent readiness — 46/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/n3xt: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

Open Collections 12

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

N3Xt Scopes

8 scopes

SCOPES

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

AgentSkill

WellKnown

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

Access & Security 8

Authentication, authorization, and security posture

TrustCenter

TrustCenter

Compliance

Compliance

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

SecurityTxt

Authentication

OAuthScopes

Scroll for all 8

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: n3xt
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/n3xt.png
name: N3XT
description: N3XT is a Wyoming state-chartered Special Purpose Depository Institution (SPDI) offering instant, 24/7/365 USD
  payment settlement for business-to-business transactions on blockchain rails. Its full-reserve narrow-bank model backs every
  deposit 1:1 with cash and short-term U.S. Treasuries (no lending), and it issues the N3XT Digital Dollar (NDD) — a bank-regulated
  tokenized deposit with an on-chain KYC/KYB Identity Passport (NDDID). The N3XT API is a holistic banking API for businesses
  covering wallets and public-wallet onboarding, instant and programmable payments, payment requests, internal transfers,
  NDD mint/redeem, contacts, approvals and audit trail. It ships OAuth 2.0 authentication, Beta/Omega test environments, and
  a first-party hosted MCP server for AI/agent access.
url: https://raw.githubusercontent.com/api-evangelist/n3xt/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- paradigm
x-tier: profiled
x-tier-reason: enriched-real-api
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Crypto
- Banking
- Payments
- Stablecoins
- Fintech
- Blockchain
- MCP
tags_raw:
- Company
- Crypto
- Banking
- Payments
- Stablecoin
- Fintech
- Blockchain
- API
- MCP
apis:
- aid: n3xt:n3xt-approvals-api
  name: N3XT Approvals API
  description: The Approvals API from N3XT — 2 operation(s) for approvals.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Approvals
  properties:
  - type: OpenAPI
    url: openapi/n3xt-approvals-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-audittrail-api
  name: N3XT AuditTrail API
  description: The AuditTrail API from N3XT — 1 operation(s) for audittrail.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Audit Trail
  tags_raw:
  - AuditTrail
  properties:
  - type: OpenAPI
    url: openapi/n3xt-audittrail-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-businesses-api
  name: N3XT Businesses API
  description: The Businesses API from N3XT — 2 operation(s) for businesses.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Businesses
  properties:
  - type: OpenAPI
    url: openapi/n3xt-businesses-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-contacts-api
  name: N3XT Contacts API
  description: The Contacts API from N3XT — 2 operation(s) for contacts.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/n3xt-contacts-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-ndd-routes-api
  name: N3XT Ndd Routes API
  description: The Ndd Routes API from N3XT — 2 operation(s) for ndd routes.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Ndd Routes
  properties:
  - type: OpenAPI
    url: openapi/n3xt-ndd-routes-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-payments-api
  name: N3XT Payments API
  description: The Payments API from N3XT — 5 operation(s) for payments.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/n3xt-payments-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-programmable-api
  name: N3XT Programmable API
  description: The Programmable API from N3XT — 5 operation(s) for programmable.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Programmable
  properties:
  - type: OpenAPI
    url: openapi/n3xt-programmable-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-system-api
  name: N3XT System API
  description: The System API from N3XT — 2 operation(s) for system.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - System
  properties:
  - type: OpenAPI
    url: openapi/n3xt-system-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-transfers-api
  name: N3XT Transfers API
  description: The Transfers API from N3XT — 1 operation(s) for transfers.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/n3xt-transfers-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-users-api
  name: N3XT Users API
  description: The Users API from N3XT — 2 operation(s) for users.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/n3xt-users-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- aid: n3xt:n3xt-wallets-api
  name: N3XT Wallets API
  description: The Wallets API from N3XT — 6 operation(s) for wallets.
  humanURL: https://helpcenter.n3xt.io/en/collections/14976227-api-and-integrations
  baseURL: https://openapi.n3xt.io
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/n3xt-wallets-api-openapi.yml
  - type: APIReference
    url: https://openapi.n3xt.io/docs/
  - type: GettingStarted
    url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/n3xt-capability-edges.yml
  name: N3XT Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/n3xt/overview
- type: Website
  url: https://n3xt.io
- type: DeveloperPortal
  url: https://helpcenter.n3xt.io/
- type: Documentation
  url: https://helpcenter.n3xt.io/
- type: APIReference
  url: https://openapi.n3xt.io/docs/
- type: GettingStarted
  url: https://helpcenter.n3xt.io/en/articles/12118191-api-getting-started
- type: Support
  url: https://helpcenter.n3xt.io/en/
- type: Blog
  url: https://n3xt.io/blog
- type: SignUp
  url: https://app.n3xt.io/application
- type: Login
  url: https://app.n3xt.io/login
- type: TermsOfService
  url: https://n3xt.io/legal/website-terms-of-use
- type: PrivacyPolicy
  url: https://trust.n3xt.io/resources?s=igp2bvcb2ox3cjeerru9qs&name=privacy-policy
- type: StatusPage
  url: https://status.n3xt.io/
- type: TrustCenter
  url: security/n3xt-trust-center.yml
- type: Compliance
  url: https://n3xt.io/security
- type: Security
  url: https://trust.n3xt.io/resources?s=a3mbqw7jbnczlhbn9hfm16&name=vulnerability-disclosure-program
- type: VulnerabilityDisclosure
  url: security/n3xt-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/n3xt-domain-security.yml
- type: SecurityTxt
  url: well-known/n3xt-security.txt
- type: Authentication
  url: authentication/n3xt-authentication.yml
- type: OAuthScopes
  url: scopes/n3xt-scopes.yml
- type: MCPServer
  url: mcp/n3xt-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: WellKnown
  url: well-known/n3xt-well-known.yml
- type: LLMsTxt
  url: llms/n3xt-llms.txt
- type: Overlay
  url: overlays/n3xt-openapi-overlay.yaml
- type: Conformance
  url: conformance/n3xt-conformance.yml
- type: ErrorCatalog
  url: errors/n3xt-problem-types.yml
- type: Lifecycle
  url: lifecycle/n3xt-lifecycle.yml
- type: Sandbox
  url: sandbox/n3xt-sandbox.yml
- type: Conventions
  url: conventions/n3xt-conventions.yml
- type: DataModel
  url: data-model/n3xt-data-model.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 20
  pass: local-v1

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