A new U.S. bank just flipped the script on traditional business payments: N3XT officially launched today, promising instant, programmable B2B payments in U.S. dollars any time of day—or night—leaving old-school banking hours in the dust. N3XT opens its doors as a full-reserve, fully regulated narrow bank under a Wyoming Special Purpose Depository Institution charter. Every deposited dollar is backed one-to-one by cash or short-term U.S. Treasuries, and the bank publishes its reserve holdings daily. The platform allows businesses to trigger payments automatically: shipped a crate from Manila to Perth? Funds…
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