Fintech Layer Cake · 2026-05-28 · 27 min
What if every dormant account in your fintech is a ticking compliance clock - and you didn't know the timer started three years ago? Host Reggie Young sits down with Allen Osgood, CEO and co-founder of Eisen, the company modernising escheatment - the process by which dormant accounts and abandoned funds get transferred to state governments. It's an obscure corner of financial compliance that touches every bank, fintech, brokerage, and increasingly every crypto platform. More than one in seven Americans has money sitting in state hands because of it, with over $80 billion held by state governments at any given time. Allen and Reggie cover what escheatment actually is and why it matters, the wild story of a retiree who planned his retirement around an Amazon investment - only to find the state of Delaware had liquidated it. They dig into why crypto is about to smash headfirst into dormancy periods nobody planned for, why the 'deal with it later' mindset is a trap that hits three years faster than founders expect, and how proactive compliance can flip a cost centre into a retention engine.
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