Introduction: Why Fintech API Agreements Are Different From Ordinary Software Contracts Application Programming Interfaces, commonly known as APIs, are now one of the most important pieces of infrastructure in modern financial services. Banks, payment institutions, electronic money institutions, fintech startups, marketplaces, SaaS providers and embedded finance companies increasingly communicate through APIs rather than traditional manual […]
Introduction: Can Fintech Companies Outsource Technology in Turkey? Modern fintech companies rarely build every part of their technology infrastructure internally. A payment institution may rely on third-party providers for: Electronic money institutions, digital wallets, open banking companies, crypto businesses and digital banking businesses are similarly dependent on external technology. Outsourcing is therefore commercially unavoidable for […]
Introduction: Are Stablecoins Legal in Turkey? Stablecoins have become one of the most important bridges between traditional finance and the crypto-asset economy. Unlike Bitcoin and many other crypto assets, stablecoins are designed to maintain a relatively stable value by referencing another asset. That reference may be: Some stablecoins attempt to maintain their value through reserves […]
Introduction: Can Real-World Assets Be Tokenized in Turkey? Real-world asset tokenization, usually abbreviated as RWA tokenization, is one of the most significant emerging applications of blockchain and distributed ledger technology. The concept is commercially straightforward. A physical or legally recognised asset exists outside the blockchain. Examples include: A digital token is then created to represent […]
Introduction: Equity Crowdfunding Regulation in Turkey Equity crowdfunding has become an increasingly important alternative financing method for startups and early-stage companies in Türkiye. Instead of raising capital exclusively from: an eligible startup can potentially raise money from a broader investor community through an electronic crowdfunding platform. In return for their investment, investors receive shares representing […]
Introduction: Are Alternative Lending Platforms Legal in Turkey? Alternative lending has become one of the most important branches of modern financial technology. Instead of requiring every borrower to obtain credit through a conventional bank branch, digital platforms increasingly connect borrowers with: Commercial models may be described as: However, Turkish law does not currently provide one […]
Introduction: Can Fintech Payment Companies Provide Loans in Turkey? The relationship between fintech and lending is one of the most misunderstood areas of Turkish financial regulation. A fintech application may already allow its customers to: From a commercial perspective, adding a lending product can appear to be the natural next step. A payment institution may […]
Introduction: Is Buy Now Pay Later Regulated in Turkey? Buy Now Pay Later, commonly abbreviated as BNPL, has become one of the most important products at the intersection of e-commerce, consumer credit and financial technology. The commercial proposition is simple. A customer purchases a product immediately but pays the purchase price at a later date […]
Introduction: Can Non-Financial Companies Offer Financial Services in Turkey? Embedded finance has become one of the most important developments in global financial technology. Retailers, e-commerce platforms, SaaS companies, marketplaces, mobility businesses, telecommunications companies and other non-financial enterprises increasingly want to integrate financial services directly into their existing customer journeys. A consumer may therefore: Commercially, all […]
Introduction: Can White-Label Fintech Solutions Operate Legally in Turkey? Yes. White-label fintech models can operate legally in Türkiye and can provide a highly efficient route for businesses seeking to offer financial technology products without developing every component internally. However, the phrase “white label” has no magical regulatory effect. A business cannot avoid a payment, electronic […]