DZ Bank, Germany’s second-largest banking group, announced it has received MiCAR authorization from the German financial regulator BaFin.
With this approval, DZ Bank gained the right to operate its cryptocurrency platform called “meinKrypto,” paving the way for member institutions of the cooperative banking group to offer cryptocurrency trading to their individual customers.
According to a statement by DZ Bank, the “meinKrypto” service will be launched shortly. Initially, the platform will support transactions in Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Cardano (ADA). The service will be offered individually by cooperative banks, and each bank will decide whether or not to implement the solution according to its own strategy.
“meinKrypto” was developed by DZ Bank and Atruvia, the IT services provider for the cooperative finance group. Crypto asset custody will be provided by Boerse Stuttgart Digital, while transactions will be processed via EUWAX AG. The platform will function as a wallet integrated into the VR Banking App and will be aimed solely at individual investors making their own decisions; it will not offer personalized client advice.
The statement also noted that cooperative banks need to submit a separate MiCAR notification to BaFin in order to use “meinKrypto.” Following the necessary approvals, customers will be able to invest in crypto assets through a fully digital process.
DZ Bank noted that the MiCAR regulation, which creates a common legal framework for crypto assets across the European Union, brings clear rules for financial institutions and market participants. According to a study published by Genoverband in September 2025, more than a third of cooperative banks in Germany plan to implement this crypto solution in the coming months.
*This is not investment advice.
