Getting Started & Account Setup
How do I begin the N3XT application process? To start, visit n3xt.io, click "Get Started" and then select "Begin Your Application".
1. Click “Get Started”
2. Click “Begin Your Application”
What are the specific steps for self-serve onboarding?
Enter your email or sign in using a Google or Microsoft account.
Open the sign-in link sent to your email.
Create your Organization.
Complete the online application, including KYB (Know Your Business) and KYC (Know Your Customer).
Which emails should I whitelist to avoid missing application updates? Ensure you whitelist the email addresses N3XT uses for onboarding and Persona communications to prevent them from being marked as spam.
Customer Support and Personal Verification - @n3xt.io
Stytch Authentication & Identity - @stytch.com
What should I do if my onboarding link expires?
To ensure your security, your onboarding link is valid for 30 days from the date of issuance. Please note that links expire automatically, and no expiration notification will be sent.
If your link expires, please reach out to your account representative or N3XT support. In most cases, we can refresh your link for an additional 30 days, allowing you to pick up exactly where you left off with all your progress saved.
Can I share my login or sign-in link with other team members? No. Shared email addresses and logins are prohibited for security reasons.
If I complete the application for my company, do I become the account owner? Yes, the person who clicks the link and performs the work to apply becomes the de facto owner of the account. However, you are able to send a shareable link to allow the online application to be completed by a colleague. This is located at the top of the KYB application page. (see screenshot)
Identity & Business Verification (KYC/KYB)
Why must I provide personal information like my passport or social security number? Per regulations, N3XT must collect information for all control persons and beneficial owners (those owning 25% or more of the business) to verify identities and comply with U.S. banking standards.
What specific business documents are required for KYB? Please see our help article - N3XT Account Opening Guide - for the list of documents required.
Am I able to submit documents after completing KYB? Is this possible? Yes. Should you need to upload additional documents after the KYB process there will be an option to do so once the KYB process has been completed. You’ll be presented with the following screen:
What are the requirements for a personal Proof of Address? Documents must be issued in the name of the beneficial owner, dated within the last 3 months, and show a personal residential address (no P.O. boxes or business addresses). Accepted documents include utility bills, bank statements, or lease agreements.
Is it okay if I live in one country but have an ID for another country? Yes, this is generally acceptable as long as the ID is valid and not an expired government-issued document.
Does N3XT support non-U.S. customers? International customers are accepted, though certain jurisdictions are unsupported.
Why is N3XT required to verify my personal information? To comply with federal Anti-Money Laundering laws and the Customer Due Diligence (CDD) Rule, Federal law requires all financial institutions to obtain, verify, and record information that identifies the people who are behind every business. This mandate requires us to confirm the identity of a control person and all Ultimate Beneficial Owners (UBOs) who are individuals who own 25% or more of the business.
What four pieces of information are required for identity verification? Under the Customer Identification Program (CIP), we must verify the following for all control persons and Ultimate Beneficial Owners:
Full Legal Name.
Date of Birth.
Residential Address.
Identification Number (e.g., Social Security Number, Tax ID, or Passport number).
Is there extra documentation required based on the industry of the business that is applying? Please see our help article - N3XT Account Opening Guide - for the list of documents required.
Address & Registered Agent Policies
My business utilizes a Registered Agent address in Wyoming, but the application explicitly prohibits this for the physical address field. Should I submit the Registered Agent address and wait for a Request for Information (RFI)? Using a Registered Agent address for your physical location will trigger an automated Request for Information (RFI). To expedite your application and avoid this delay, please upload a valid proof of operating address (such as a utility bill, bank statement, or lease agreement) in the supplemental document section during your initial submission.
How do I avoid a "Request for Information" (RFI) regarding my address? If you must use an RA address for legal reasons, you should upload supplemental proof of your actual physical/operating address (like a utility bill or lease) in the supplemental doc upload section immediately to get ahead of the RFI process.
Funding & Technical Details
Do I need to provide wire instructions before I am approved? Yes - please see our help article - N3XT Wiring Instructions - for the full details.
How long does the approval process take? Once all information is submitted, the compliance team typically provides a response or requests further details within 5 business days.
Will I be notified once I have successfully passed a key phase or signed a contract?" Yes, Emails are sent with status updates, and to take actions on next steps.
Can I leave the application and return later for an RFI? Yes. Your progress is saved in real-time. You can close this window and return later to complete your RFI without losing any of your work.
If I need assistance who can I contact? You can contact the Client Success Team at [email protected] should you require further assistance.