T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131’n\u0131n (TCMB) 16 Nisan 2021 tarihli y\u00f6netmeli\u011fi, kripto varl\u0131klar\u0131n mal ve hizmet \u00f6demelerinde do\u011frudan ya da dolayl\u0131 olarak kullan\u0131lmas\u0131n\u0131 a\u00e7\u0131k\u00e7a yasaklad\u0131. Bu y\u00f6netmelik yaln\u0131zca do\u011frudan kripto \u00f6demesini de\u011fil, kripto varl\u0131\u011f\u0131n d\u00f6n\u00fc\u015ft\u00fcr\u00fclerek \u00f6deme arac\u0131 olarak kullan\u0131lmas\u0131n\u0131 da kaps\u0131yor. Yani i\u015flemin temelinde kripto varl\u0131k bulunan her model, yasak kapsam\u0131nda de\u011ferlendiriliyor.<\/p>\n
Hong Kong merkezli Red Dot Technology Limited taraf\u0131ndan geli\u015ftirilen RedotPay, kullan\u0131c\u0131lar\u0131n kripto varl\u0131klar\u0131n\u0131 (BTC, ETH, USDT, USDC) d\u00f6n\u00fc\u015ft\u00fcrerek fiziksel ve sanal kartlarla 130 milyonun \u00fczerinde i\u015f yerinde \u00f6deme yapmas\u0131na imk\u00e2n tan\u0131yan bir kripto kart hizmeti. Platform, 100’den fazla \u00fclkede 5 milyon kullan\u0131c\u0131ya ula\u015ft\u0131\u011f\u0131n\u0131 belirtiyor. Uygulama T\u00fcrk\u00e7e dil deste\u011fi sunuyor ve T\u00fcrkiye’de aktif olarak kullan\u0131l\u0131yor.<\/p>\n
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Peki RedotPay T\u00fcrkiye’de yasal m\u0131? RedotPay’in ne TCMB d\u00fczenlemeleri kapsam\u0131nda bir \u00f6deme kurulu\u015fu lisans\u0131, ne SPK’dan kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 izni, ne bankac\u0131l\u0131k lisans\u0131 ne de e-para kurulu\u015fu stat\u00fcs\u00fc bulunuyor. Uzmanlar, TCMB Y\u00f6netmeli\u011fi’nin “dolayl\u0131 kullan\u0131m” ifadesini de kapsad\u0131\u011f\u0131n\u0131 net bi\u00e7imde ortaya koyuyor. Kripto varl\u0131\u011f\u0131 TL ya da d\u00f6vize d\u00f6n\u00fc\u015ft\u00fcrerek \u00f6deme yapan bir modelin de tam olarak bu kapsamda de\u011ferlendirildi\u011fini ve yasa\u011f\u0131n d\u0131\u015f\u0131nda kalmad\u0131\u011f\u0131n\u0131 vurguluyorlar. T\u00fcrk liras\u0131 \u00f6deme hizmetleri sunabilmek i\u00e7in ayr\u0131ca bankac\u0131l\u0131k ya da e-para kurulu\u015fu lisans\u0131 gerekirken RedotPay’in bu lisanslar\u0131n hi\u00e7birine sahip olmad\u0131\u011f\u0131 da vurgulanan bir di\u011fer kritik nokta.<\/p>\n
Dikkat \u00e7ekici bir di\u011fer husus, RedotPay’in kendi resmi web sitesindeki uyar\u0131 notu. Platform sitesinde, Hong Kong d\u0131\u015f\u0131nda faaliyet g\u00f6stermek i\u00e7in lisans gerekebilece\u011fini ve i\u00e7eriklerinin yaln\u0131zca Hong Kong’da ikamet edenlere y\u00f6nelik oldu\u011funu belirtiyor. T\u00fcrkiye dahil di\u011fer \u00fclkelerden kullan\u0131c\u0131lar\u0131n siteye kendi inisiyatifleriyle giri\u015f yapt\u0131\u011f\u0131n\u0131, aktif bir te\u015fvik ya da davet olmad\u0131\u011f\u0131n\u0131 da bu notta ifade ediyor. Bu ifade, platformun bizzat yasal belirsizli\u011finin fark\u0131nda oldu\u011funu ve uluslararas\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri nedeniyle bu uyar\u0131y\u0131 ekleme gere\u011fi duydu\u011funu g\u00f6steriyor.<\/p>\n
Uzmanlar, RedotPay’i kullanan T\u00fcrk kullan\u0131c\u0131lar\u0131n hukuki a\u00e7\u0131dan belirli riskler ta\u015f\u0131d\u0131\u011f\u0131n\u0131 da hat\u0131rlat\u0131yor. \u00d6deme zincirinin temelinde kripto varl\u0131k bulunan i\u015flemler TCMB Y\u00f6netmeli\u011fi’ni ihlal edebilir. Bunun yan\u0131nda lisanss\u0131z bir yabanc\u0131 platform \u00fczerinden i\u015flem yapmak, kullan\u0131c\u0131y\u0131 herhangi bir sorun an\u0131nda hukuki g\u00fcvenceden tamamen yoksun b\u0131rak\u0131yor. Platform T\u00fcrkiye’de yasal zemine sahip olmad\u0131\u011f\u0131ndan \u015fik\u00e2yet ba\u015fvurusu yap\u0131labilecek yetkili bir T\u00fcrk mercii bulunmuyor. Kullan\u0131c\u0131n\u0131n tek muhatab\u0131 platformun kendi m\u00fc\u015fteri hizmetleri kal\u0131yor.<\/p>\n
Ay\u00e7a Elal Haberler.com<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131’n\u0131n (TCMB) 16 Nisan 2021 tarihli y\u00f6netmeli\u011fi, kripto varl\u0131klar\u0131n mal ve hizmet \u00f6demelerinde do\u011frudan ya da dolayl\u0131 olarak kullan\u0131lmas\u0131n\u0131 a\u00e7\u0131k\u00e7a yasaklad\u0131. Bu y\u00f6netmelik yaln\u0131zca do\u011frudan kripto \u00f6demesini de\u011fil, kripto varl\u0131\u011f\u0131n d\u00f6n\u00fc\u015ft\u00fcr\u00fclerek \u00f6deme arac\u0131 olarak kullan\u0131lmas\u0131n\u0131 da kaps\u0131yor. Yani i\u015flemin temelinde kripto varl\u0131k bulunan her model, yasak kapsam\u0131nda de\u011ferlendiriliyor. REDOTPAY NED\u0130R, T\u00dcRK\u0130YE’DEK\u0130 DURUMU […]<\/p>\n","protected":false},"author":0,"featured_media":9750,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[126,473,132],"class_list":["post-9746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-teknoloji","tag-finans","tag-kripto-para","tag-teknoloji"],"_links":{"self":[{"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=\/wp\/v2\/posts\/9746","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9746"}],"version-history":[{"count":1,"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=\/wp\/v2\/posts\/9746\/revisions"}],"predecessor-version":[{"id":9756,"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=\/wp\/v2\/posts\/9746\/revisions\/9756"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=\/wp\/v2\/media\/9750"}],"wp:attachment":[{"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/boluyankihaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}