Imagine: I2P (aka "Darknet"), a highly energy-efficient, new and fully distributed storage engine, some basic banking business logic and a fresh user interface. Result: a highly privacy-respecting, in theory secure, yet very slow, personal bank. Meet diva.exchange - the first non-profit, non-corporate, very-small-tech and research-driven association developing "Free Banking Technology - For Everyone". All licensed under AGPLv3+. The presentation is about the technology stack of the truly distributed free banking technology "DIVA". It's also about the fact that "distributed technology" does not offer anything like a "business model" in the old-fashioned-cloudy way. It's about the overlay network "I2P". It's about the distributed storage engine "Iroha" and the challenges with a very slow network. It's about banking business logic, the user interface and its challenges being fully distributed. And it's about the research co-operations in Switzerland. DIVA is small and local tech for everyone.