Consumer & Business Lending Banks

This basket owns banks whose core businesses combine customer deposits, lending and transaction services, rather than investment managers or payment networks. Recent weakness in several established lenders and digital banking shares creates a selective entry point, while their valuations leave room for recovery if credit quality and funding costs remain manageable. The central risks are rising loan losses and pressure on lending margins. Launch basket (equal weight): JPM, BAC, WFC, C, NU, COF Rules: 1. No inverse, leveraged or volatility ETFs. 2. Only names tradable at the enrolled brokers (Moomoo): no OTC listings, no dead tickers, nothing on the refused list.