Free Banking Technology for Everyone

The non-profit association DIVA.EXCHANGE, Baar, uses a barrier-free and collaborative approach to create free banking technology for everyone. The open source technology ensures the privacy of all participants in the financial system of the future. The blockchain-based overall system is completely distributed. Everyone can participate in DIVA.EXCHANGE.

Open Source Digital Society

Today, the data of most people belongs to only a few central providers. These actors often disregard privacy and fundamental human rights. Fortunately, the open source movement is highly motivated to work on solutions that fully protect privacy in a distributed digital space. On the internet, several successful and thus heavily used digital service providers have been open source for decades, such as Wikipedia, Mozilla or Apache.

Evolution of the financial system

DIVA.EXCHANGE in Baar develops an open source solution for the financial sector together with the worldwide open source community. The goal is to create an easy-to-use, private, secure, cost-effective and environmentally friendly banking technology for everyone. Communication is automatically channelled via the privacy protecting and open source network “I2P”, which is often called “darknet”.


An unconditionally distributed system cannot have a classic business model. This is because “coin” or “token” solutions have by definition a central component and are not truly distributed from an objective point of view. That is why DIVA.EXCHANGE has decided to use the most radical of all conceivable solutions: no classic business model, no “coin” or “token”, just club membership or a diverse, instructive and exciting collaboration in the open source universe of DIVA.EXCHANGE.

Research collaboration

DIVA.EXCHANGE also supports scientific research, which always questions already developed software. This courageous approach is another core component of the underlying philosophy. Together with the Lucerne University of Applied Sciences and Arts, Department of Computer Science,  we completed the first of a whole series of research projects in January. The project examined part of the software and falsified individual components. With this knowledge, further developments are under way – so that the next researcher can start another destructive experiment. Until nothing in banking is as it is today.