Wall Street is abuzz after attempting to comprehend the chain of events that landed Silicon Valley Bank Financial Group (SVB) in talks to sell itself after its attempts to raise capital have failed. This revelation sent US bank stocks into a nosedive and triggered speculation on which institution will be the next victim.

For years, US regulators have taken a conflicting approach on banks, loosening restrictions on smaller banks so they could dabble in fintech innovation, while tightening the oversight on “systemically important” institutions like JPMorgan and Bank of America Corp. Today, with SVB Financial Group in talks to sell, these inconsistencies can no longer be overlooked.

A significant contributor to SVB’s current state include its significant exposure to risk-on assets, such as tech startups and crypto-currencies. Fears over economic instability as well as said exposure, have caused significant losses,