3D is only accelerated in X.
There's a framebuffer driver for nvidia cards called rivafb. It is a bit accelerated (big parts are missing), it is unstable and very buggy. It doesn't work ok with the "nv" or "nvidia" driver for X. Without it doesn't work well etiher.
There is a project to provide opengl using mesa (software rendering) in framebuffer mode. It is part of the directfb project. Since it is just software rendering it is slow.