DZ BANK Wins Approval to Launch Regulated Crypto Trading

2026-01-14 03:20:31

Source: Coindoo Original Title: DZ BANK Wins Approval to Launch Regulated Crypto Trading Original Link: DZ BANK has taken a significant step toward bringing cryptocurrencies into Germany’s cooperative banking sector after securing MiCAR authorisation from BaFin at the end of December 2025.

The approval allows the bank to operate its new crypto platform, meinKrypto, under the European Union’s regulatory framework.

Key Takeaways

DZ BANK has received MiCAR authorisation to operate a regulated crypto platform
meinKrypto enables cooperative banks to offer crypto trading to retail customers
Each local bank must submit its own notification before launching the service

Rather than targeting end customers directly, meinKrypto is designed as shared infrastructure for the cooperative financial network. Individual Volksbank and Raiffeisenbank institutions can use the platform to offer crypto trading to retail clients, provided each bank submits and receives its own MiCAR notification approval from BaFin.

How meinKrypto Will Work for Retail Customers

Once rolled out, customers will be able to buy and sell crypto assets fully digitally through the existing VR Banking App. The service is positioned as a self-directed investment option rather than part of traditional advisory offerings, effectively functioning as an integrated crypto wallet within the banking app.

At launch, the platform will support a limited selection of major crypto assets, including Bitcoin, Ethereum, Litecoin, and Cardano. Each cooperative bank will retain full discretion over whether to activate the service for its customers.

The technical and operational setup reflects a collaborative model. meinKrypto was developed jointly by DZ BANK and Atruvia, the cooperative sector’s central IT provider. Custody of digital assets is handled by Boerse Stuttgart Digital Custody, while trade execution runs through EUWAX.

Overall, the move signals a cautious but structured approach to crypto adoption within Germany’s cooperative banking system, blending regulatory compliance with optional, bank-led access for retail investors.

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DAOdreamer

· 8h ago

Traditional German banks are entering the scene, now the crypto world is officially stepping out.

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LiquidityNinja

· 13h ago

Traditional German banks are also getting involved, and now the institutional army is growing even more formidable.

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WhaleInTraining

· 13h ago

Are German banks starting to play with cryptocurrencies? Now traditional finance really can't sit still anymore, haha.

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ContractTearjerker

· 13h ago

German traditional banks have finally entered the scene, making the boundary between mainstream finance and crypto even more blurred.

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SleepyValidator

· 13h ago

Are traditional German banks also getting into crypto? The sense of compliance is becoming stronger... But honestly, DZ BANK's move is quite interesting. What does BaFin's approval mean?

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HashRateHustler

· 13h ago

Oh wow, German banks are starting to get into crypto too. Traditional finance really can't stop it now.

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BearMarketSurvivor

· 14h ago

The German banking system is also starting to get involved; this is an extension of the supply line. But don't rush to celebrate; regulatory approval does not equal market reality. History has shown us how many times such "major breakthroughs" have ultimately been fleeting. Are you managing your positions well?

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