N3XT is a fully reserve bank with programmable real-time settlement capabilities, eliminating the need for customers to inject additional collateral into their accounts or waste funds on letters of credit. N3XT's blockchain technology enables you to move money 24/7 within a walled, protected garden, removing reliance on third-party intermediaries, legacy batch processing windows, and regular banking hours. N3XT was founded by the original Signature Bank team.