One bank.
One software
company. Everything else.
DirvenBank is a bank in Kenya — our first real branch. Everywhere else in the world, we are Dirven Software: AML, compliance and settlement infrastructure licensed to institutions that already hold the licence.
Every site in the group
One bank, one licence: Kenya. Every other country is served by Dirven Software licensing the engine to institutions — we do not claim to be a licensed bank anywhere else.
How it actually works
The bank — Kenya only
DirvenBank Kenya holds the customer relationship and a banking licence (CBK, in progress). It takes deposits, issues accounts, and runs M-Pesa.
The software company — everywhere
Dirven Software sells AML, compliance, exchange and settlement software to licensed institutions in any country. No banking licence needed, because it is not a bank.
Why the distinction matters
Opening a bank branch in Japan requires a Japanese banking licence. Licensing software to a Japanese bank does not. Only one of those is a 2029 plan.
Product lines
DarkGrow — shop, seed bank and forum — are product lines of the software company, not the bank.