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 Stablecoin.

N3XT’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub
60.0/100 strong ▬ flat Agent 58/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
11 APIs 1 MCP Servers
CompanyCryptoBankingPaymentsStablecoinFintechBlockchainAPIMCP

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 60.0/100 · strong
Contract Quality 14.7 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 58/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 11

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

N3XT Approvals API

The Approvals API from N3XT — 2 operation(s) for approvals.

N3XT AuditTrail API

The AuditTrail API from N3XT — 1 operation(s) for audittrail.

N3XT Businesses API

The Businesses API from N3XT — 2 operation(s) for businesses.

N3XT Contacts API

The Contacts API from N3XT — 2 operation(s) for contacts.

N3XT Ndd Routes API

The Ndd Routes API from N3XT — 2 operation(s) for ndd routes.

N3XT Payments API

The Payments API from N3XT — 5 operation(s) for payments.

N3XT Programmable API

The Programmable API from N3XT — 5 operation(s) for programmable.

N3XT System API

The System API from N3XT — 2 operation(s) for system.

N3XT Transfers API

The Transfers API from N3XT — 1 operation(s) for transfers.

N3XT Users API

The Users API from N3XT — 2 operation(s) for users.

N3XT Wallets API

The Wallets API from N3XT — 6 operation(s) for wallets.

Scroll for all 11

MCP Servers 1

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

n3xt-mcp.yml

MCP SERVER

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

N3Xt Authentication

http/oauth2 · 2 schemes

SECURITY

N3Xt Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

N3Xt Vulnerability Disclosure

security.txt · contact published

SECURITY

N3Xt Trust Center

SOC 2, ISO 27001

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

N3Xt Scopes

8 scopes

8 scopes

SCOPES

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
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
MCPServer
 AgentSkill
AgentSkill
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 DataModel
DataModel

Access & Security 8

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 SecurityTxt
SecurityTxt
 Authentication
Authentication
 OAuthScopes
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 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: n3xt
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: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- 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:
  - 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:
  - 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: 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