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DZ Bank Wins BaFin Approval to Launch meinKrypto for Germany’s Cooperative Banks

Participating institutions must secure individual MiCAR notifications before offering in‑app trading to retail customers.

Overview

  • BaFin granted the MiCAR authorization in late December 2025, with DZ Bank announcing the rollout plan this week.
  • meinKrypto will appear inside the VR Banking App as a self-directed wallet offering Bitcoin, Ethereum, Litecoin and Cardano at launch.
  • Boerse Stuttgart Digital will provide regulated custody, while EUWAX will execute trades to keep the service within supervised market infrastructure.
  • DZ Bank developed the shared platform with Atruvia, and each local cooperative bank will decide independently whether to activate the service.
  • Sector surveys show rising interest across the network, with roughly one-third eyeing near-term adoption; DZ Bank has also joined the Qivalis consortium targeting a euro stablecoin launch in 2026.