Crypto In America

Latest Episodes:

Fractional Banking, Narrow Banking & the Adoption of Stablecoins w/ Scott Shay, Founder of N3XT May 27, 2026

Show notes

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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Please note that this podcast is for informational purposes only and any views shared by anyone on the show are opinions, not financial advice. The host or guests may have a direct or indirect financial interest in content mentioned in this episode.

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This show is sponsored by Sumsub. Get your copy of its State of the Crypto Industry report: https://sumsub.link/cdt

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Jacquelyn: https://x.com/jacqmelinek

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TIMESTAMPS

00:00 - Concerns Over the Embrace of Crypto by Trad-Fi

04:14 - Re-Litigation of Trades and Stablecoins

10:50 - N3XT's Core Operations as a Blockchain

12:20 - Narrow Banking Explained

15:28 - Glass–Steagall Legislation Ethos in Crypto

17:11 - Signature Bank Behind Closed Doors

19:45 - Adoption of Crypto Rails

22:52 - Modern Day Crypto Banking

27:53 - N3xt Bank & Access to Federal Reserve Payment Accounts

30:53 - What Else is Scott Watching?

SEC Nears Tokenized Stock Exemption as Crypto Debates “Real” Onchain Equity May 22, 2026

Show notes

With reports that the SEC may be close to releasing its long-awaited tokenization innovation exemption, debate over the best way for investors to access stocks on blockchain is heating up, with the “onchain equity” versus “synthetic exposure” conversation dominating crypto circles this week. The team breaks down the merits of both models with Robert Leshner of Superstate.

Plus, Caitlin Long joins the show to discuss the Federal Reserve’s latest steps toward expanding crypto firms’ access to the Fed’s payment rails and the SEC repealing its decades-old "gag order," and Simon Babakhani of Zebec Network talks about his mission to crack open the $11 trillion global payroll market.

The Race For Compliance, If Clarity Will Pass, & Stablecoins As The Killer App | Live From Consensus May 20, 2026

Show notes

This week on Crypto In America, we’re live from Consensus. Jacquelyn spoke with Ji Hun Kim, CEO of the Crypto Council for Innovation, and Larry Wade, Global Head of Crypto Compliance and Regulatory Relations at PayPal. In this conversation, we discuss, why market structure matters, if CLARITY will pass, consumer guardrails, why stablecoins are the killer app, how Paypal uses stable coins for cross-boarder wires, what happens if CLARITY fails, and who will win the next phase of crypto.

This episode is sponsored by Sumsub, the platform leading crypto companies use to verify users, fight fraud, and stay compliant at scale. https://sumsub.link/cdt

Subscribe to the podcast on Spotify: https://open.spotify.com/show/2Y3bQRjEQtdlNx1fxmS8hB?si=813495451b9f4e4e

Subscribe to the podcast on Apple: https://podcasts.apple.com/us/podcast/crypto-in-america/id1799000155

This show is powered by Sei.

Learn more about Sei:

https://www.sei.io/

This show is sponsored by Sumsub. Get your copy of its State of the Crypto Industry report: https://sumsub.link/cdt

Follow Crypto in America: https://x.com/CryptoAmerica_

Follow Sei: https://x.com/SeiNetwork

Follow our hosts

Jacquelyn: https://x.com/jacqmelinek

Gerald: https://x.com/thatgerald

Eleanor: https://x.com/EleanorTerrett

TIMESTAMPS:

0:00 - The Latest On Crypto Compliance In DC

2:11 - Why Market Structure Matters

4:21 - Global Race for Crypto Rules

6:25 - Will CLARITY Pass?

7:56 - PayPal Product Offerings

8:52 - Stablecoins Are The Killer App

11:56 - What Merchants Want Next

12:15 - TradFi & AI: Building the "Rails of the Future"

13:30 - How PayPal Uses PYUSD for Near Real-Time Cross-Border Wires

15:44 - What If Clarity Fails? Plan B

18:50 - You Must Build a Digital Asset Strategy

21:40 - Who Wins The Next Phase In Crypto?

22:55 - Thanks For Watching! Like & Subscribe

#crypto #bitcoin #blockchain #investing #technology #america

Clarity Act Moves Forward: Coinbase, Digital Chamber & Veda React May 16, 2026

Show notes

The team gets reaction to a landmark week for crypto on Capitol Hill as the Clarity Act advanced out of committee in a bipartisan 15-9 vote, with Democratic Senators Angela Alsobrooks and Ruben Gallego joining Republicans to send the legislation to the full Senate. Paul Grewal and Cody Carbone take us inside the hearing room and the final moments of negotiations that led to last-minute Democratic support, while TuongVy Le weighs in on how the legislation could ultimately shape the future of DeFi.

CZ on U.S. Regulation, Gary Gensler, Lessons From Prison, Trump, Iran, Stablecoins & AI Agents May 13, 2026

Show notes

Changpeng Zhao, also known as CZ, is the Co-Founder and former CEO of Binance. In this episode, we discuss what led CZ to launch Binance in 2017, the U.S. vs global markets, his prior interactions with Gary Gensler before & after the SEC lawsuit, serving four months in prison and what he would’ve done differently looking back, the Iran-related allegations, Trump family ties, Binance US rebuilding, stablecoins, AI agents driving transactions, & the future of crypto.

This episode is sponsored by Sumsub, the platform leading crypto companies use to verify users, fight fraud, and stay compliant at scale. https://sumsub.link/cdt

Watch on YouTube: https://youtu.be/wdm8S4sb5KE

Watch on Rumble: https://rumble.com/v79ry2u-cz-on-u.s.-regulation-gary-gensler-lessons-from-prison-trump-iran-stablecoi.html

This show is powered by Sei.

Learn more about Sei:

https://www.sei.io/

This show is sponsored by Sumsub. Get your copy of its State of the Crypto Industry report: https://sumsub.link/cdt

Follow Crypto in America: https://x.com/CryptoAmerica_

Follow Sei: https://x.com/SeiNetwork

Follow our hosts

Jacquelyn: https://x.com/jacqmelinek

Gerald: https://x.com/thatgerald

Eleanor: https://x.com/EleanorTerrett

TIMESTAMPS:

0:00 - Welcome CZ To Crypto In America

0:30 - What ‘Crypto In America’ Means To CZ

1:52 - Immigrant Origins & His Conviction In Bitcoin

4:30 - The Next Frontier In Crypto

6:45 - How CZ Improved Exchanges in 2017

13:31 US Market Differences

16:00 - Competing With Coinbase, ByBit, Kraken

17:50 - CZ’s Relationship With Gary Gensler

21:20 - No Longer In Contact With Gensler After SEC Sued Binance

24:46 - CZ’s Time in Prison - What He Would’ve Done Differently

27:51 - Speed Versus Compliance

29:40 - Addressing Iran-linked Payments & Moving Past Allegations

34:20 - Relaunching Binance US - Is CZ Talking To Regulators?

37:15 - Relationship With The Trump Family

42:00 - Binance Foundation?

42:45 - Binance Stablecoin?

44:13 - Thoughts On Tether & US Stablecoin

46:48 - The Future Of Crypto Is AI?

50:00 - Helping Out New Founders

52:45 - Helping Countries Like Pakistan On Regulatory

55:00 - What To Look For In A Great Founder

58:30 - What Trend CZ Is Currently Watching

59:00 - Thanks CZ For Joining! Like & Subscribe

#crypto #bitcoin #blockchain #investing #technology #america

CONSENSUS 2026 MIAMI OUTTAKES: EVERYONE’S BULLISH ON CLARITY, TOKENIZATION & AGENTIC AI May 08, 2026

Show notes

The team breaks down the vibe and key themes emerging from Consensus Miami and tees up the Senate Banking Committee’s big vote on the Clarity Act next week. A recurring theme throughout the week was optimism, as guests Adam Minehardt from Hyperliquid Policy Center, Bhaji Illuminati from Centrifuge and Nathan McCauley from Anchorage Digital explained why they’re encouraged by the bill’s momentum and what its passage could mean for DeFi, tokenization and agentic banking.

Brad Garlinghouse On Ripple Stablecoin, XRP Token Buyback, & What Happens If Clarity Does Not Pass May 06, 2026

Show notes

We’re live at XRP Las Vegas with Ripple CEO, Brad Garlinghouse. Eleanor joined Brad on stage to discuss, Ripple’s steblecoin, XRP’s strategy, if there should be an XRP token buyback, the latest on Ripple’s OCC Trust Charter, and why we may be in trouble if CLARITY does not pass the house by the third week of May.

This episode is sponsored by Sumsub, the platform leading crypto companies use to verify users, fight fraud, and stay compliant at scale. https://sumsub.link/cdt

Watch On YouTube: https://youtu.be/rjlIpRzeunE

Watch On Rumble: https://rumble.com/v79gdvy-brad-garlinghouse-on-ripple-stablecoin-xrp-token-buyback-and-what-happens-i.html

This show is powered by Sei.

Learn more about Sei:

https://www.sei.io/

This show is sponsored by Sumsub. Get your copy of its State of the Crypto Industry report: https://sumsub.link/cdt

Follow Crypto in America: https://x.com/CryptoAmerica_

Follow Sei: https://x.com/SeiNetwork

Follow our hosts

Jacquelyn: https://x.com/jacqmelinek

Gerald: https://x.com/thatgerald

Eleanor: https://x.com/EleanorTerrett

TIMESTAMPS:

0:00 - Live At XRP Las Vegas

5:30 - XRPs Community

7:30 - Ripple Stablecoin, XRP Strategy

11:25 - $50B Valuation, XRP Token Buyback?

14:25 - Should XRP Holders Benefit From Ripple’s Success?

15:40 - OCC Trust Charter Approval Update

17:45 - Clarity Act - Will We Get A Bill Before Midterms?

19:55 - Why XRP Is Good If Clarity Does Not Pass

22:45 - Donating To Super Pacs For Upcoming Midterms

24:00 - If Clarity Doesn’t Get Out Of Committee By 3rd Week Of May - We’re In Trouble

#crypto #bitcoin #blockchain #investing #technology #america

Crypto, Campaigns & Capital: Deaton vs. Markey + Tokenization’s Next Wave May 01, 2026

Show notes

Eleanor and Gerald are live on the ground at the XRP Las Vegas conference, where they’re hosting a fireside chat with Massachusetts Senate candidate John Deaton, a pro-crypto lawyer taking on incumbent Ed Markey in the midterms.

Deaton joins the show to share his take on the state of the industry, the chances of the Clarity Act passing, and his second run on the campaign trail.

OpenAssets founder and CEO Gabor Gurbacs also joins with his outlook on institutional capital in a post-ETF world and why he believes tokenization could be the next standard.

Head Of eToro US: What It Takes to Run An American Exchange | Andrew McCormick Apr 29, 2026

Show notes

Andrew McCormick is the Head of eToro US. In this conversation, we discuss why crypto regulation is so messy in the US and why we need a national standard. We get into the BitLicense in New York, federal preemption, managing all 50 states, eToro’s IPO, tokenization, vetting crypto assets on the platform, if prediction markets are coming soon, and why The Clarity Act must be passed soon.

This episode is sponsored by Gemini: https://gemini.com/CIA

Subscribe to the podcast on Spotify: https://open.spotify.com/show/2Y3bQRjEQtdlNx1fxmS8hB?si=813495451b9f4e4e

Subscribe to the podcast on Apple: https://podcasts.apple.com/us/podcast/crypto-in-america/id1799000155

This show is powered by Sei.

Learn more about Sei:

https://www.sei.io/

Follow Crypto in America: https://x.com/CryptoAmerica_

Follow Sei: https://x.com/SeiNetwork

Follow our hosts

Jacquelyn: https://x.com/jacqmelinek

Gerald: https://x.com/thatgerald

Eleanor: https://x.com/EleanorTerrett

TIMESTAMPS:

0:00 - Welcome Andrew McCormick To Crypto In America

0:30 - What Does ‘Crypto In America’ Mean To Andrew

1:00 - Andrew’s Dad Led Him To Crypto

4:20 - Why Regulatory In Crypto Is Too Messy vs. Tradfi

6:40 - Difficulty Getting A New York BitLicense

8:30 - Federal Preemption Of Crypto And Why We Need A National Standard

11:30 - Managing Regulation In All 50 States

13:20 - Joining eToro During The 2024 Election - Is Crypto Still Politicized?

16:30 - Expansion & Vetting Crypto Assets

20:15 - eToro’s Post-Election Changes (IPO, Innovation, Staking, Launch In NY)

21:30 - Operating A Public Company vs. Private Company

23:00 - Reflecting on the IPO

24:30 - The Importance of Financial Literacy

26:30 - Is The US Market More Conservative Than Rest Of The World?

28:00 - Where Tokenization Is Going

29:30 - eToro’s Edge In The Market

31:00 - Prediction Markets Coming Soon?

32:30 - Why We Need Clarity

33:30 - Andrew’s Advice: Touch Grass

#crypto #bitcoin #blockchain #investing #technology #america

Still Waiting on Clarity as Satoshi Doc Draws Buzz Apr 24, 2026

Show notes

With one week left in April and still no date on the calendar for a Clarity Act markup, the pressure is building. More than 120 crypto firms are urging the Senate Banking Committee to move fast. Ji Kim, CEO of the Crypto Council for Innovation, joins us to break down what is at stake and what further delays could mean for the future of crypto legislation.

Plus, Rep. Sam Liccardo (D-CA) on his bipartisan push to open up America’s payments rails to fintech and crypto and lower costs for everyday Americans.

And a new documentary claiming to unmask Satoshi Nakamoto is drawing surprising praise from a community that is usually highly skeptical of the subject. We speak with the director behind it.

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