An inductive-coupling programmable bus is developed for NAND flash memory access in Solid State Drive (SSD). A channel arrangement scheme using 3 coils enables random access for memory read and memory write. Transmission power is reduced by 47% compared to a previous design with 2 coils and a shield. A coil layout style, namely XY coil, allows the coils covered by logic interconnections, resulting in area reduction by 91%. Relayed data transmission at 1.6 Gb/s and BER<10^-12 is achieved.