Introduction Loyalty programs, cashback campaigns, reward wallets, store credits, points, promotional balances, gift credits, and in-app rewards are widely used in Turkey’s digital economy. Retailers, marketplaces, fintech companies, food delivery platforms, travel apps, gaming platforms, digital wallets, banks, e-commerce businesses, telecom operators, and subscription platforms use reward systems to attract users, increase transaction volume, improve […]
Introduction Merchant acquiring and payment facilitation are central to the Turkish fintech ecosystem. Every online marketplace, e-commerce platform, subscription business, mobile application, digital wallet, food delivery platform, travel platform, SaaS provider, gaming platform, and embedded finance business needs a reliable way to collect payments from customers and transfer funds to merchants. This is where merchant […]
Introduction Robo-advisory services are becoming an important part of the global wealth management and fintech industry. A robo-advisor generally uses algorithms, digital questionnaires, automated portfolio models, risk scoring, and data-driven tools to provide investment recommendations, asset allocation suggestions, portfolio monitoring, or automated portfolio management. In simple terms, robo-advisory allows investors to receive digital investment guidance […]
Introduction Decentralized finance, commonly known as DeFi, is one of the most innovative and legally challenging areas of the crypto asset ecosystem. DeFi platforms use blockchain-based smart contracts to provide financial services without traditional intermediaries such as banks, payment institutions, brokers, custodians, or centralized exchanges. Users may lend, borrow, trade, stake, provide liquidity, use stablecoins, […]
Introduction Tokenization of real-world assets, often called RWA tokenization, is one of the most discussed developments in fintech, blockchain, crypto assets, and capital markets. The basic idea is simple: a real-world asset such as real estate, receivables, commodities, company shares, debt instruments, fund units, carbon credits, intellectual property rights, or revenue streams is represented digitally […]
Introduction Fintech disputes in Turkey are increasing as consumers and businesses rely more heavily on digital wallets, payment institutions, electronic money platforms, online banking applications, open banking tools, crypto asset platforms, embedded finance products, virtual cards, QR payments, and digital lending services. Financial technology provides speed and convenience, but it also creates new legal conflicts […]
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 […]