Fractional Banking, Narrow Banking & the Adoption of Stablecoins w/ Scott Shay, Founder of N3XT

Crypto In America · May 27, 2026 · 33m

Scott Shay is the founder of N3XT and the founder and former chairman of Signature Bank. In this episode, Scott gives a masterclass on fractional reserve banking versus narrow banking and takes us behind closed doors of Signature Bank’s collapse during the 2023 regional banking crisis. He also offers a rarely heard perspective on Wall Street’s rush into crypto, explaining why he believes some of the industry may be moving too fast.

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