Our founders being front and center of the 2008 mortgage market collapse having over 17,000 brokers and not being "Too Big to Fail" understand leverage and risk.  The very point of a bank is to get higher returns which comes with a certain inherent risk.  This can be a significant balancing act and exactly why Envestion was born.  Envestion is the hedge and/or protection for a bank where other banks & entities can buy discounted debt if a bank such as SVB becomes over leveraged. This is no longer a case study from 2008.   The debt will be at significant discounts before the public and fear sets in, can stop the bleeding, potentially saving the bank from failing.  The buying entity gets to add to their balance sheet at great value.