DZ Bank has received regulatory approval to introduce meinKrypto, a digital asset trading platform designed for retail clients across Germany’s cooperative banking network.
The approval was granted by BaFin under the European Union’s Markets in Crypto-Assets (MiCA) framework, clearing the way for crypto trading to be offered through Volksbanken and Raiffeisenbanken.
meinKrypto is built as an embedded feature within existing banking infrastructure rather than a standalone app. Customers will access crypto wallets and trading functions inside the VR Banking App.
Each Volksbank and Raiffeisenbank must apply separately to BaFin for MiCAR notification before offering meinKrypto to customers.
DekaBank is building an equivalent offering for approximately 340 Sparkassen (savings banks), extending MiCA-compliant retail crypto access across Germany’s cooperative and savings bank sectors.
The German Savings Banks Association (DSGV) explicitly labels crypto as “highly speculative” with risk of total loss.