N3XT, the Wyoming-chartered Special Purpose Depository Institution co-founded by former Signature Bank chairman Scott Shay, says it is expanding access to its N3XT Digital Dollar, or NDD, beyond its own client base after receiving regulatory approval on Aug. 17, 2026 for cross-border transfers. The company describes NDD as an institutional-grade deposit token backed 1-to-1 by cash or very short U.S. Treasuries, with reserves matched to tokens and regulatory capital maintained. The expansion is aimed at letting businesses send funds to non-custodial blockchain addresses globally on a 24/7 basis, including parties outside the bank, while using a pre-screened allowlist of blockchain addresses rather than a reactive denylist. N3XT says the ERC-20 token can be used for cross-border B2B settlement within seconds, liquidity management between blockchain addresses, automated multi-party payment logic and smart-contract functions such as atomic swaps. The company is positioning the product as a regulated alternative to stablecoin-based payment rails and as a faster substitute for legacy wire infrastructure, arguing that businesses should not have to choose between bank protections and around-the-clock programmability. N3XT said access for non-bank customers will begin with enterprises using N3XT client-nominated addresses and later expand to any business that nominates a non-custodial address for allowlisting.