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 Digital wallets have become one of the most important products in the fintech market. Consumers use mobile applications to store payment instruments, hold balances, pay merchants, transfer funds, receive refunds, manage loyalty benefits, access prepaid products, and sometimes connect bank accounts or cards through a single interface. For businesses, digital wallets create opportunities 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 Consumer protection in digital financial services has become one of the most important legal issues in Turkey’s fintech market. As consumers increasingly use digital wallets, payment applications, electronic money accounts, online banking, mobile credit products, open banking tools, crypto asset platforms, prepaid cards, QR payments, and embedded finance services, legal disputes between users and […]
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 Data protection in fintech is one of the most important legal issues for financial technology companies operating in Turkey. Fintech businesses collect, process, store, analyze, transfer, and secure large volumes of personal data. This data may include identity documents, contact information, payment records, transaction history, wallet addresses, bank account details, credit risk information, device […]
Introduction Open banking is one of the most important legal and technological developments in the Turkish fintech market. It allows authorized third-party providers to access payment account information or initiate payment transactions through secure digital channels, usually based on customer consent and regulated technical infrastructure. In practice, open banking can help consumers compare financial products, […]
Introduction Fintech licensing in Turkey is one of the most important legal issues for startups, investors, founders, software companies, payment platforms, crypto asset businesses, digital wallet providers, embedded finance projects, and foreign fintech companies entering the Turkish market. A fintech startup may look like a technology company at first glance, but if its business model […]
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 Crypto asset regulation in Turkey has entered a new and much stricter phase. For many years, crypto exchanges and wallet-related businesses operated in a developing legal environment where anti-money laundering duties and payment restrictions existed, but there was no detailed capital markets framework specifically designed for crypto asset service providers. This changed significantly with […]