Would be shocked if this actually happens. Most Scottish business will move down south (they've said as much loudly), they will not be able to use the pound, and because of the EU's "any member can veto policy", I think EU membership will be harder, not easier for Scotland to get - Spain, for one (with Catalonia or the Basque region), is not going to want this precedent set.
Still, will be interesting to watch. Money is still on "No", but stranger things have happened.