THE WIRE · № 71342
Disrupting Business Banking: Scott Shay Challenges the Fractional-Reserve Model
01 THE MACHINE READ
WHY IT MATTERS.
A full-reserve banking pitch questions fractional-reserve deposit risk, but it is a founder interview with no policy or market mechanism attached.
Niche banking-model critique, no near-term market transmission
Any regulator or bank adopting full-reserve language
Deposit-franchise debate stays theoretical, no follow-through
FULL DISPATCH
On Disruption Interruption, Scott Shay, Founder of N3XT, explains why traditional banking can expose businesses to risks they may not realize they are taking and how full-reserve banking could give companies more certainty over the money they hold and move. TAMPA BAY, Fla., Oct. 8, 2026...
02 THE STORY SO FAR
THE RECORD, IN ORDER.
STANDALONE ITEM — NOT YET FOLDED INTO A DEVELOPING STORY.
03 WHO'S INVOLVED
ENTITIES ON FILE.
04 RECEIPTS
THE SOURCE RECORD.
1 SOURCES CONFIRMED05 PROPAGATION
WHAT THIS TOUCHES.
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MSC Income Fund Announces Third Quarter 2026 Private Loan Portfolio Activity2026-10-08 11:05 UTC
SEC Drops Investigation into BlackRock, State Street, with a Warning Over Participation in Climate Groups2026-10-08 11:58 UTC
KEEP READING THE MACHINE
Summaries are generated and may contain errors — every claim links its sources.