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 Stablecoins have become one of the most important legal topics in crypto asset regulation. Unlike highly volatile cryptocurrencies, stablecoins are designed to maintain a relatively stable value by referencing another asset, most commonly a fiat currency such as the US dollar or euro. In practice, stablecoins are widely used for crypto trading, value storage, […]
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 RegTech, short for Regulatory Technology, is one of the most important developments in the modern financial services sector. It refers to the use of technology to help regulated businesses comply with legal, regulatory, risk management, reporting, monitoring, audit, and governance obligations. In Turkey, RegTech is becoming increasingly relevant because fintech companies, payment institutions, electronic […]
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 Artificial intelligence is rapidly changing the fintech industry. Financial technology companies use AI systems to evaluate creditworthiness, detect fraud, monitor suspicious transactions, automate customer onboarding, score merchant risk, personalize financial products, identify abnormal payment behavior, review crypto transactions, and make faster operational decisions. These tools can improve efficiency, reduce fraud, expand access to financial […]
Introduction Fintech contracts are the legal foundation of every financial technology business. A fintech company may have a strong mobile application, a fast payment flow, a well-designed digital wallet, a reliable API, or an innovative platform model. However, if the underlying contracts are weak, unclear, or inconsistent with the technical structure, the company may face […]
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 […]