# N3XT

**Canonical:** https://apis.io/providers/n3xt/  
**Website:** https://n3xt.io  
**APIs profiled:** 11

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.

## Kin Score — 56.9 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.9).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 61.2 |
| Governance | 20.8 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 73.4 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 67.1 (matched via tags).

## Agent readiness — 53.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (11)

- **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.

## MCP servers (1)

- **n3xt-mcp.yml**

## Security (4)

- **N3Xt Authentication** — http/oauth2 · 2 schemes
- **N3Xt Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **N3Xt Vulnerability Disclosure** — security.txt · contact published
- **N3Xt Trust Center** — SOC 2, ISO 27001

## Tags

Company, Crypto, Banking, Payments, Stablecoin, Fintech, Blockchain, API, MCP

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/n3xt/). Scores are computed from the provider's own public artifacts under a published rubric.