Clarity beats capital. Before a single euro moves— Marinus Dirven, Founder
We design, build, and deploy compliance and financial infrastructure software 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 settlement.
Bahrain banking entity & NL entity — in formation (pending).
We build compliance infrastructure as deployable software — 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 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 platform 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 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 platform 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 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 platform 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 settlement 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 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 compliance, KYC/AML, due diligence, or accounting modules are regulatory-ready before enforcement deadlines — not scrambling after them.
We design and build compliance software, due diligence platforms, and accounting systems for financial institutions and fintechs — tailored to each jurisdiction's regulatory framework.
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 settlement, compliance stack, per-desk analytics, on-chain settlement. 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 settlement, 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