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June 18, 2026
In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Scott Shay, founder of N3XT (www.n3xt.io) and co-founder of Signature Bank, for a wide-ranging conversation on full reserve banking, blockchain-based settlement, programmable money, and the future of financial infrastructure. Scott explains how N3XT’s model differs from traditional fractional reserve banking, why 24/7 real-time movement of money can matter for corporate treasurers, and how use cases like i...