The present disclosure generally relates to a nano-particle matrix in a 3D NVM RRAM device. The RRAM device utilizes a material that may be deposited into high aspect ratio channels, has good cycle ability, short erase and write times, and write/erase voltages that are compatible with CMOS. The RRAM material is disposed between two electrodes of the device and includes conductive nano-particles that are distributed within an insulating matrix. The particles are distributed below the percolation threshold.