Introduction The taxation of fintech and crypto transactions in Turkey is one of the most complex and rapidly developing legal topics in the financial technology sector. Fintech businesses operate at the intersection of software, payments, financial services, data, digital platforms, electronic money, open banking, crypto assets, digital wallets, and cross-border transactions. Each of these elements […]
Introduction Crowdfunding platforms in Turkey have become an increasingly important alternative financing channel for startups, entrepreneurs, technology ventures, innovation-driven companies, and investors seeking access to early-stage investment opportunities. Crowdfunding allows a venture or project to raise funds from a large number of investors through an authorized online platform. Instead of relying only on bank loans, […]
Introduction Buy Now Pay Later, commonly known as BNPL, is one of the fastest-growing financial technology models in digital commerce. It allows consumers to purchase goods or services immediately and pay the price later, either in installments or through a deferred payment plan. BNPL services are attractive because they offer convenience, quick approval, digital onboarding, […]
Introduction Crypto custody services have become one of the most important legal issues in Turkey’s digital asset market. As crypto asset trading platforms, wallet providers, investors, institutional clients, family offices, fintech companies, and foreign exchanges enter the Turkish market, the question of who safely holds crypto assets and private keys has become legally critical. In […]
Introduction Cross-border fintech services in Turkey have become a major legal issue for foreign payment companies, electronic money institutions, digital wallet providers, crypto asset platforms, open banking providers, embedded finance businesses, online investment platforms, money transfer companies, and financial technology startups. Turkey has a large digital population, strong demand for mobile financial services, high card […]
Introduction Cybersecurity obligations for fintech companies in Turkey have become a central part of financial regulation. Fintech businesses are no longer judged only by the speed of their applications, the quality of their user experience, or the innovation of their payment, wallet, banking, or crypto products. They are also expected to prove that their systems […]
Introduction AML and KYC compliance has become one of the most critical legal issues for fintech companies operating in Turkey. As payment institutions, electronic money institutions, digital wallets, crypto asset platforms, open banking providers, embedded finance businesses, online lending platforms, marketplace payment systems, and cross-border remittance services continue to grow, regulators expect fintech companies to […]
Introduction Banking as a Service, commonly known as BaaS, is one of the most important legal and commercial developments in modern financial technology. It allows a licensed bank to provide banking services through the digital interface of another company. This structure enables fintech platforms, e-commerce businesses, digital marketplaces, mobility companies, loyalty programs, accounting software providers, […]
Introduction Digital banking law in Turkey has become one of the most important legal areas within the fintech and banking sectors. As customers increasingly prefer mobile applications, online onboarding, instant financial services, embedded finance solutions, and branchless banking models, Turkish banking regulation has adapted to allow banks to operate without traditional physical branches. This transformation […]
Introduction Electronic money institutions have become one of the most important pillars of the fintech ecosystem in Turkey. As digital wallets, prepaid balances, app-based payment accounts, stored-value products, merchant payment solutions, loyalty-based payment systems, online marketplaces, and embedded finance models continue to expand, businesses must understand whether their activities fall within the legal definition of […]