Clarity beats capital. Before a single euro moves— Marinus Dirven, Founder
Our software delivers compliance and financial infrastructure for licensed institutions operating across multiple jurisdictions. Every product is built to handle real volume, real regulation, and real money — from KYC onboarding to on-chain payouts.
We build both sides of the modern VASP stack: the 24/7 virtual account system where real value is created by exchanging currency or crypto, reconciled, and ledgered, and the external settlement rails that deliver it into the real world. Our trading engine runs continuously, generating real PnL from live-priced currency or crypto (their own KYC approved initial seed deposit). This virtual treasury behaves like the internal bank used by major fintechs and trading apps, while our settlement layer connects to regulated payout partners like Stripe Treasury and crypto rails on Ethereum and other crypto like AVA subnet and Hedera.
clients who deploy our system in jurisdictions where proprietary trading is restricted can not have profits like a good 5-STAR banking app:. Without that regulatory footing, a company cannot legally operate a treasury, issue refunds, or pay clients who made mistakes — there is no compliant way to move money back to users without proper authorization. Our platform solves the technical side: a virtual bank inside, and compliant settlement rails outside, the same dual architecture used by Revolut, Robinhood, CashApp, Wise, N26, and Monzo. Enterprise banking software built for global stability. We enable multi-asset pegging mechanisms that neutralize inflation and deflation alike, backed by legal, cross-border compliance frameworks, fully legalized and structurally justified.
Launch a centralized (CEX) or decentralized (DEX) exchange on our software — now expanding to Kenya and Africa. Our software gives you the choice: crypto or no-crypto — both options are available and the client decides.
Mistake on your side? A wrong button, a wrong line of bot code — no problem. Our software can be set up to give your money back from the company's accounts set aside for exactly this, with the software buyer's employee plus their user signing off the final check.
Click any screen to open it full size. These are illustrative sample interfaces created for demonstration purposes — not production data, and figures shown are examples only.
Our software is government-grade financial infrastructure, built for public institutions and their financial branches. Any government body that manages, moves, collects, or supervises money can run our software.
Every deployment is ledger-authoritative, auditable end-to-end, and self-hosted (data sovereignty), with compliance built in (AMLD6, MiCA, MiFID II, DORA).
Public-sector ready: self-hosted / on-premise deployment, full data sovereignty, and a security & audit posture built for government procurement.
Our software is being deployed across the following markets:
Kenya expansion in progress — and the same promise everywhere our software goes: your profits get paid out in real money. By default our software runs mainly EUR & USD (no crypto), with every other fiat currency and the cryptos our software supports available as options — all with built-in AML reporting. But here is the part that matters to you: you should never have to fight for your own money. All the excuses broken software around the world hides behind — in our own words: No “arbitrage trading”. No “suspicious activity”. No “not in line with other users”. No “unrealistic” or “non-replicable” trades. No “bonus abuse”. No sudden “account activity review” or “breach of terms” the moment it is time to pay. No “server error”, no “maintenance”, no “liquidity issue”, no “risk team flagged your account”, no “verification in progress” that never ends. Trade 24/7, run bots, trade around the clock — if you made the profit, you get paid. No discussion, no excuses. Mistake on your side? A wrong button, a wrong line of bot code — no problem. Our software can be set up to give your money back from the company's accounts set aside for exactly this, with the software buyer's employee plus their user signing off the final check. Reported an unintended loss? Our software opens a case and returns your money: most refunds within 1 hour, every complaint resolved within a maximum of 1 business day — back to your trading balance, your crypto wallet, or your bank, in the currency you choose.
Our software is compliance infrastructure — deployable for financial institutions, fintechs, and corporate entities across all jurisdictions.
Provider-agnostic KYC layer integrating Sumsub, Onfido, Jumio, and others. Document verification, liveness detection, biometric matching, and sanctions screening — one compliance API.
Real-time AML monitoring across all fiat flows. Automated SAR workflows and suspicious pattern detection — ready for any jurisdiction.
When everything is clear upfront, approvals follow naturally.
DirvenBank: clarity first, transfers second.— Marinus Dirven, Founder
The EU regulatory landscape is tightening fast. Our software is built ahead of the curve — so clients who use it are compliant before the deadlines hit.
The new Anti-Money Laundering Authority (AMLA) becomes operational mid-2025, with full enforcement of the AMLR (Anti-Money Laundering Regulation) and AMLD6 by 2026–2027. Directly applicable rules replace national transposition — all obliged entities must comply.
✓ Our software's KYC/AML stack already supports AMLR requirements: unified customer due diligence, real-time transaction monitoring, SAR automation, and cross-border reporting.
Regulation (EU) 2022/2554 is now fully applicable. Financial entities must have ICT risk management frameworks, incident reporting, resilience testing, and third-party oversight in place. Critical ICT providers designated Nov 2025.
✓ Our software delivers automated incident reporting, audit trail generation, ICT risk registers, and third-party monitoring — DORA-ready out of the box.
The Markets in Crypto-Assets Regulation is now fully applicable across the EU. CASPs must be licensed, meet capital requirements, and comply with conduct and transparency rules.
✓ Our software's compliance modules support MiCA-ready onboarding, asset classification, and disclosure workflows for entities operating in or adjacent to digital asset markets.
The EU AI Act entered into force August 2024, with phased enforcement through 2026. Financial services AI systems face transparency obligations, risk assessments, and human oversight requirements.
✓ Our software maintains full algorithmic decision logs, explainability traces, and human-in-the-loop controls — meeting AI Act requirements for high-risk financial AI.
The Network and Information Security Directive 2 strengthens cybersecurity obligations for essential and important entities. Financial entities covered by DORA are exempt from NIS2 per lex specialis, but supply chain security obligations remain.
✓ Our software enforces network segmentation, access controls, supply-chain monitoring, and incident classification aligned with both DORA and NIS2.
PSD3 proposes stronger fraud prevention, open banking expansion, and IBAN/name verification. The Financial Data Access (FIDA) regulation will create a new framework for open finance data sharing.
✓ Our software's payment AML engines are built for real-time IBAN verification, SCA flows, and API-based data access — ready for PSD3 and FIDA when adopted.
The Investment Firms Regulation is under review. Enhanced own-funds adequacy, liquidity requirements, and prudential reporting for Class 2 investment firms using proprietary capital are being tightened.
✓ Our software calculates own-funds ratios in real-time, generates prudential reports, and monitors liquidity buffers — aligned with evolving IFR requirements.
The EMIR refit introduces updated margin requirements for uncleared derivatives, enhanced reporting granularity, and active account obligations — impacting firms trading with own capital.
✓ Our payout engine tracks margin exposure per desk, generates EMIR-compliant trade reports, and supports active account structuring.
The Fundamental Review of the Trading Book under Basel III Endgame replaces the old VaR framework. Standardised approach mandatory, with revised desk-level capital charges and P&L attribution tests.
✓ Our software's per-desk risk engine already logs P&L attribution, trade-level risk metrics, and desk-level capital exposure — ready for FRTB desk-subdivision and risk-factor classification.
The new AML Regulation requires obliged entities and own-account operators to provide verified source-of-funds and source-of-wealth documentation — stricter than current AMLD5 requirements.
✓ Our compliance modules automate source-of-funds document collection, verification workflows, and ongoing monitoring — built ahead of AMLR enforcement.
Bottom line:
Our software is built to meet today's requirements and tomorrow's. Clients deploying our software for compliance, KYC/AML, due diligence or accounting are regulatory-ready before enforcement deadlines — not scrambling after them.
Billions in EUR volume, millions in daily profit — with full source-of-wealth documentation, on chain 2279, every trade auditable and on record.
Our software is built for serious operators — licensed financial institutions, large fintechs, and corporate treasury desks managing significant capital. This is not a mass-market product.
Multi-provider KYC, transaction monitoring, SAR automation, sanctions screening. Deployed on your infrastructure or ours.
From €1.5M /month · setup fee €0.2M
Click here ProfessionalFull KYB/UBO screening, EDD workflows, multi-currency ledger, regulatory reporting (MiFID II, DORA, AMLD6). Per-jurisdiction configuration.
From €2.8M /month · setup fee €0.5M
Click here EnterpriseComplete DDD suite: financial infrastructure engine, multi-rail payouts, compliance stack, per-desk analytics, on-chain payouts. White-label option available.
From €6.5M /month · setup fee from €1.2M
Click here CustomSoftware designed from scratch for your specific regulatory jurisdiction, asset class, and operational model. Full IP ownership.
From €25M+ · project-based, full IP transfer
Click hereAll prices exclude applicable taxes. Volume discounts for multi-year commitments. Contact info@dirvenbank.com for a scoping call.
Enterprise software is a commitment — how you pay for it should not be rigid. Every DirvenBank license can be settled on your treasury's terms: start today and pay later, or spread the investment across the year. Start with a 90-day free trial — onboarding typically takes 8–16 weeks, and after the trial you can have up to 3 months before the first payment, so you are never billed for software that isn’t live yet. Same full deployment, same on-chain audit trail — your schedule.
Net 30 · 60 · 90
Activate the full platform now and settle the invoice on a deferred timeline that fits your cycle. No interest, no penalties — just breathing room for treasury.
Quarterly · Monthly
Divide the annual license into equal instalments. Predictable outflow, unchanged access — your team gets everything from day one while the fee lands in manageable slices.
Both options ship the complete suite: real-time payouts, the full compliance stack, and a complete audit trail from activation. Choose your schedule at scoping — info@dirvenbank.com. View plans & pay →
Email: info@dirvenbank.com | marinus@dirvenbank.com
Founder: Marinus J.H. Dirven
LinkedIn: linkedin.com/in/dirvenmjh
At DirvenBank, every question mark becomes an answer.— Marinus Dirven, Founder
Spain entity
Y2500285S
US Entity
2026-002057189
Netherlands entity
161041863
Kenya entity — in formation
Pending
Bahrain entity — in formation
Pending
Markets are added depending on their law changes for banking entities and, where required, the capital needed to start a new banking entity. For crypto-only operations, no banking entity has ever been required.
| Country / region | Added | Law change / banking entity |
|---|---|---|
| Kenya | 2026–2027 | VASP licensing regime (in progress) |
| USA | 2026–2027 | US federal / state digital-asset rules |
| Canada | 2026–2027 | CSA crypto-asset rules |
| Latin America (Mexico, Central & South America) | 2026–2027 | Local VASP regimes |
| Bahamas | 2027 | DARE Act digital-asset framework |
| Ghana | 2027 | VASP Act (Bank of Ghana) |
| South Africa | 2027 | FSCA crypto-asset framework |
| Dubai (UAE) | 2027 | VARA |
| Saudi Arabia | 2027 | SAMA / CMA digital-asset rules |
| UK | 2027 | FCA cryptoasset regime |
| Philippines | 2028 | BSP VASP framework |
| Indonesia | 2028 | OJK crypto regulation |
| India | 2028 | PMLA / AML crypto rules |
| Singapore | 2028 | MAS Payment Services Act |
| Japan | 2029 | FIEA crypto reforms |
| South Korea | 2029 | Virtual Asset User Protection Act |
| China | 2029 | Special administrative framework |
| Australia | 2029 | Treasury digital-asset reforms |
| New Zealand | 2029 | FMC Act reforms |
| EU (all countries) | 2030 | MiCA + AMLR / AMLA enforcement |