Sovereign Banking for Australia
Your bank should prove its operations, not just promise them.
selfdriven.money is a full-featured Australian bank where your identity is self-certifying, every transaction is cryptographically signed, and trust is built by architecture — not by faith in institutions.
5.25%
Bonus savings rate on Goal Saver accounts
$0
Monthly fees on Everyday and Bills accounts
0
Passwords required. Passkey-only. Phishing-proof.
24/7
Real-time PayID transfers via New Payments Platform
Full-Featured Banking
Everything you expect from your bank. Nothing you don\u2019t.
Everyday accounts, savings, home loans, credit cards, BPAY, PayID, international transfers, Apple Pay — all built on sovereign identity infrastructure.
Everyday & Savings
Zero-fee everyday accounts with Visa Debit. Goal Saver with 5.25% bonus rate. Term deposits with ACDC-attested certificates. Mortgage offset with 100% offset.
Payments & Transfers
Real-time PayID via NPP. BPAY bill payments. Scheduled transfers. International wires via SWIFT. Every payment signed with your passkey and recorded to your key event log.
Cards & Wallets
Visa Debit and Mastercard Platinum. Instant digital card issuance. Apple Pay, Google Pay. Lock, unlock, and manage limits instantly — all via passkey.
KERI Identity
Your identity is a self-certifying KERI Autonomous Identifier. No centralised identity provider can revoke it. Key rotation happens on your schedule, not ours.
Passkey Authentication
No passwords. No SMS codes. Sign in with Touch ID, Face ID, or your security key. FIDO2/WebAuthn — the authentication standard that cannot be phished.
Spending Insights
Automatic categorisation. Monthly trend analysis. Budget tracking. Net savings position. Export to CSV. All your financial data — yours to control via CDR Open Banking.
Getting Started
Open an account in under 10 minutes
No branch visits. No paper forms. No passwords to remember. Just you, your device, and cryptographic proof.
Create your identity
A KERI Autonomous Identifier is generated on your device. Your private key never leaves your hands. Register a passkey with Touch ID or Face ID.
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Verify yourself
Quick identity check against government records. Your verified identity becomes an ACDC credential anchored to your KERI key event log. You own it.
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Start banking
Your accounts are ready. BSB and account number assigned. PayID registered. Visa Debit in your digital wallet. Transfer, pay, save — signed and sovereign.
Trust By Architecture
A bank that proves, not promises
Traditional banks ask you to trust them. selfdriven.money gives you the tools to verify.
Self-Certifying Identity
Your KERI AID is mathematically bound to your keys. No central authority issues or controls it. If your keys rotate, the cryptographic chain of custody proves continuity. Identity theft becomes architecturally infeasible.
Verifiable Credentials
Every claim — your KYC status, account ownership, transaction authority — is an ACDC verifiable credential. Regulators can verify data provenance cryptographically. Your statements are attested documents, not just PDFs.
Phishing-Proof Authentication
FIDO2 passkeys eliminate passwords and SMS codes entirely. Your biometric is verified locally on your device. The authentication assertion is bound to the specific origin — relay and phishing attacks fail by design.
Cryptographic Audit Trail
Every transaction you sign creates a KERI interaction event with a SHA-256 digest. Your key event log is witnessed by a distributed network. The audit trail is append-only and tamper-evident. We can\u2019t alter your records — and neither can anyone else.
Organisational Framework
Built on the selfdriven 8 Areas of Focus
selfdriven.money is not just technology. It is an organisation designed from first principles using the selfdriven Foundation\u2019s community actuation framework.
01
Direction
APRA-regulated ADI strategy. KERI-verified governance. Community-informed product roadmap.
02
Engagement
Community banking model. Web-of-trust customer acquisition. Cardano and KERI ecosystem partnerships.
03
Enablement
Financial literacy. SSI onboarding. Open Banking APIs. Developer tools. Agent-to-agent protocol support.
04
Protocols
KERI/ACDC identity. FIDO2 passkeys. NPP, BPAY, SWIFT. CDR Open Banking. Three-layer cryptographic trust.
05
Sustainability
Net interest margin. Interchange revenue. ACDC-attested capital reserves. Cardano proof-of-stake ESG alignment.
06
Processes
KERI-native account origination. Passkey-signed transactions. Automated compliance. Pre-rotation key recovery.
07
Accountability
Cryptographic regulatory reporting. ACDC-attested statements. KERI-verified governance. Immutable audit trails.
08
Organisational
Board + Executive + Community Council. ACDC role credentials. Remote-first. Sovereign as the identities it serves.
Ready for banking that\u2019s sovereign by design?
Join the selfdriven.money early access programme. Be among the first Australians to experience banking built on cryptographic trust.
You\u2019re on the list!
We\u2019ll be in touch when selfdriven.money launches.