Scott Shay
Founder of N3XT and serial bank founder previously involved with Signature Bank and others; builds a fully reserved, tokenized-deposit bank focused on real-time on/off ramps and interoperability for tokenized finance.
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Mar 26, 2026 • 40min
3X Bank Founder Building the Bank for Tokenized Finance
Scott Shay, serial bank founder now building N3XT, designs a full-reserve, tokenized-deposit bank for real-time on/off ramps. He revisits Signet’s role in crypto payments and lessons from bank closures. He discusses interoperability between proprietary stablecoins, instant settlement versus instant debit, and N3XT’s safety-first architecture.
