DZ Bank, Germany’s second-largest banking group, announced that it has received MiCAR authorization from German financial regulator BaFin.
With this approval, DZ Bank obtained 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 press release from DZ Bank, the “meinKrypto” service will be launched soon. Initially, the platform will support transactions in Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC) and Cardano (ADA). The service will be offered individually by the 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 service provider of the cooperative financial group. Custody of crypto assets will be handled by Boerse Stuttgart Digital, while transactions will be processed through EUWAX AG. The platform will function as a wallet integrated into the VR Banking application and will only be aimed at individual investors making their own decisions; it will not offer personalized advice to customers.
The release also states that cooperative banks must submit a separate MiCAR notification to BaFin in order to use “meinKrypto”. After 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 in 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 does not constitute investment advice.
