The Bank of the Future: Scott Shay on Blockchain, Narrow Banking, and Radical Transparency EP104

In this powerful and wide-ranging conversation, Scott Shay, co-founder of Signature Bank and Chairman of N3XT, joins host Constantin Kogan to unpack the past, present, and future of banking.

From growing up as the son of a carpenter and becoming the first in his family to attend college…

To building and scaling multiple banks into multi-billion-dollar institutions…

To pioneering 24/7 tokenized deposits and now launching a blockchain-native narrow bank built on radical transparency…
This is a conversation about financial truth.

Scott Shay Reveals:
🏦 Why Signature Bank’s closure was wrong and unnecessary
🪙 What really drove his early conviction in crypto back in 2013
🏛️ The danger of Central Bank Digital Currencies and total economic control
🔗 Why he is a blockchain maximalist, not a Bitcoin maximalist
⚡ How Signet became the first 24/7 tokenized USD settlement system
🚢 Why shipping and logistics became a major user of 24/7 banking
📊 What a true narrow bank is and why most banks are fractional by design
🛡️ How N3XT keeps 100 percent of deposits in short-term U.S. Treasuries
🔎 Why no other bank practices daily radical transparency
🤝 How programmable payments eliminate counterparty risk
🧠 Why listening to opposing views is essential for a healthy society
🌅 The meaning of life and the “second important day” we must all find

🎯 Watch if you are:

• A founder building in crypto or fintech
• A hedge fund, OTC desk, or market maker moving serious capital
• A policymaker thinking about the future of USD leadership
• A technologist interested in blockchain beyond speculation
• Or someone concerned about polarization and the decline of truth
  This episode explores how transparency, settlement infrastructure, and intellectual honesty may define the next era of finance.
  “Don’t ever look back. Always go forward.” — Scott Shay
  “To change one’s mind is to prove you are alive in the world.” — Scott Shay

Follow Scott Shay:
🌐 N3XT: https://n3xt.io/
🌐 Personal Website: https://www.scottshay.com
💼 LinkedIn: https://www.linkedin.com/in/scott-shay
💼 N3XT LinkedIn: https://www.linkedin.com/company/n3xtio
📘 Author of Conspiracy U

✉️ For business inquiries: [email protected]
🎧 Listen to the full podcast here:https://anchor.fm/constantinkogan

Follow me on socials:
🌐 Website: https://ckogan.com
📲 Telegram: https://t.me/constantinkogan
📸 Instagram: https://www.instagram.com/constkogan/
💻 LinkedIn: https://www.linkedin.com/in/constantin-kogan
✖️ X: https://x.com/constkogan
🎙 Podcast: https://anchor.fm/constantinkogan

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