DZ BANK has received approval to launch cryptocurrency trading services

DZ BANK has taken a significant step forward in integrating cryptocurrencies into Germany’s cooperative banking system after receiving approval from BaFin under MiCAR at the end of December 2025. This approval allows the bank to operate the meinKrypto cryptocurrency platform within the legal framework of the European Union.

Instead of serving end customers directly, meinKrypto is built as a shared infrastructure for the cooperative banking network. Each Volksbank and Raiffeisenbank can independently deploy crypto trading services for retail customers after completing notification procedures and obtaining separate approval from BaFin.

Customers will be able to buy and sell a selection of major crypto assets directly within the VR Banking App, in a self-managed investment format without advisory services. The platform, developed in partnership with Atruvia, custody provided by Boerse Stuttgart Digital Custody, and order matching through EUWAX, demonstrates Germany’s cautious yet methodical approach to cryptocurrencies.