Deposit-Funded Consumer Banks

Banks with established deposit franchises connect household savings to lending, payments and recurring account services. With technology spending and financing risk dominating the headlines, this basket shifts exposure toward businesses driven by customer balances and credit demand. The selection spans established banking networks and digital challengers, while remaining exposed to credit losses and funding competition. Launch basket (equal weight): JPM, BAC, WFC, C, NU, SOFI 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.