{"id":6475,"date":"2026-04-16T10:20:41","date_gmt":"2026-04-16T10:20:41","guid":{"rendered":"https:\/\/defihukuk.com\/?p=6475"},"modified":"2026-04-17T09:27:16","modified_gmt":"2026-04-17T09:27:16","slug":"kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci","status":"publish","type":"post","link":"https:\/\/defihukuk.com\/en\/kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci\/","title":{"rendered":"Kripto Varl\u0131k Platformu (KVHS) Kurulumu ve SPK Lisanslama S\u00fcreci 2026"},"content":{"rendered":"<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/defihukuk.com\/kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci\/#article\",\"headline\":\"Kripto Varl\u0131k Platformu (KVHS) Kurulumu 2026: SPK Lisanslama Rehberi ve Sermaye \u015eartlar\u0131\",\"description\":\"T\u00fcrkiye'de kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 (KVHS) nas\u0131l kurulur? 2026 g\u00fcncel sermaye \u015fartlar\u0131 (250M-630M TL), SPK ba\u015fvuru dosyas\u0131, MASAK uyumu, T\u00dcB\u0130TAK kriterleri ve 6-12 ayl\u0131k lisans s\u00fcreci ad\u0131m ad\u0131m rehberi. Av. Ahmet Karaca - DeFi Hukuk B\u00fcrosu, \u0130stanbul.\",\"url\":\"https:\/\/defihukuk.com\/kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci\/\",\"datePublished\":\"2026-04-15\",\"dateModified\":\"2026-04-16\",\"inLanguage\":\"tr\",\"author\":{\"@type\":\"Person\",\"name\":\"Av. Ahmet Karaca\",\"jobTitle\":\"Avukat - Kripto Para Hukuku Uzman\u0131\",\"url\":\"https:\/\/defihukuk.com\/avukat-ahmet-karaca-kimdir\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/ahmet-karaca-\"]},\"publisher\":{\"@type\":\"LegalService\",\"name\":\"DeFi Hukuk B\u00fcrosu\",\"url\":\"https:\/\/defihukuk.com\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"\u0130stanbul\",\"addressCountry\":\"TR\"}},\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/defihukuk.com\/kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci\/\"},\"speakable\":{\"@type\":\"SpeakableSpecification\",\"cssSelector\":[\".dfh-speakable\",\".dfh-ai-answer\"]},\"about\":{\"@type\":\"Thing\",\"name\":\"Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131s\u0131 (KVHS) SPK Lisanslama\",\"description\":\"T\u00fcrkiye'de 7518 say\u0131l\u0131 Kanun ve SPK III-35\/B.1-B.2 tebli\u011fleri kapsam\u0131nda kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 kurulumu ve SPK lisanslama s\u00fcreci.\"}},{\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Kripto varl\u0131k platformu (KVHS) kurmak i\u00e7in ne kadar sermaye gerekir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"2026 y\u0131l\u0131 itibar\u0131yla kripto varl\u0131k al\u0131m sat\u0131m platformu i\u00e7in asgari 250.000.000 TL, saklama kurulu\u015fu i\u00e7in asgari 630.000.000 TL \u00f6denmi\u015f sermaye \u015fart\u0131 aranmaktad\u0131r. Bu tutarlar SPK'n\u0131n 2025\/68 say\u0131l\u0131 b\u00fclteniyle %25,49 yeniden de\u011ferleme oran\u0131 uygulanarak g\u00fcncellenmi\u015ftir.\"}},{\"@type\":\"Question\",\"name\":\"SPK kripto lisans ba\u015fvurusu ne kadar s\u00fcrer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"SPK KVHS lisans s\u00fcreci ortalama 6 ila 12 ay s\u00fcrmektedir. Kurulu\u015f izni ba\u015fvurusunun ard\u0131ndan SPK incelemesi tamamland\u0131\u011f\u0131nda faaliyet iznine ge\u00e7i\u015f i\u00e7in 6 ayl\u0131k s\u00fcre tan\u0131n\u0131r; SPK bu s\u00fcreyi uzatabilir.\"}},{\"@type\":\"Question\",\"name\":\"KVHS kurulu\u015fu i\u00e7in hangi \u015firket t\u00fcr\u00fc zorunludur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131n anonim \u015firket (A.\u015e.) olarak kurulmas\u0131 zorunludur. Paylar\u0131n tamam\u0131 nama yaz\u0131l\u0131 olmal\u0131, ticaret unvan\u0131nda 'Kripto Varl\u0131k Al\u0131m Sat\u0131m Platformu' veya 'Kripto Varl\u0131k Saklama Kurulu\u015fu' ibaresi yer almal\u0131 ve esas s\u00f6zle\u015fmede faaliyet konusu m\u00fcnhas\u0131ran kripto varl\u0131k hizmetleri olarak belirlenmelidir.\"}},{\"@type\":\"Question\",\"name\":\"SPK lisans\u0131 olmadan kripto varl\u0131k hizmeti sunulabilir mi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\u0131r. SPK lisans\u0131 olmadan kripto varl\u0131k hizmeti sunmak Sermaye Piyasas\u0131 Kanunu'nun 109\/A maddesi kapsam\u0131nda 3 ila 5 y\u0131l hapis cezas\u0131 ve 5.000 ila 10.000 g\u00fcn adli para cezas\u0131 gerektiren bir su\u00e7 olu\u015fturmaktad\u0131r.\"}},{\"@type\":\"Question\",\"name\":\"KVHS ba\u015fvurusunda hangi belgeler gerekir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"SPK KVHS ba\u015fvuru dosyas\u0131; \u015firket kurulu\u015f belgeleri, i\u015f plan\u0131 ve finansal projeksiyonlar, kurucu\/ortak\/y\u00f6netici beyan ve belgeleri, bilgi sistemleri altyap\u0131 raporu, T\u00dcB\u0130TAK\/akredite denetim kurumu siber g\u00fcvenlik belgesi, MASAK uyum program\u0131, i\u00e7 kontrol sistemi belgeleri, saklama kurulu\u015fu s\u00f6zle\u015fmesi ve m\u00fc\u015fteri s\u00f6zle\u015fmesi taslaklar\u0131 ile KVKK uyum belgelerinden olu\u015fmaktad\u0131r.\"}},{\"@type\":\"Question\",\"name\":\"KVHS sermayesi yaln\u0131zca kurulu\u015fta m\u0131 aran\u0131r?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\u0131r. Sermaye yeterlili\u011fi s\u00fcreklili\u011fi olan bir y\u00fck\u00fcml\u00fcl\u00fckt\u00fcr. SPK, faaliyet s\u00fcresince minimum sermaye gerekliliklerinin korunmas\u0131n\u0131 denetler. Sermayenin e\u015fi\u011fin alt\u0131na d\u00fc\u015fmesi durumunda SPK faaliyet iznini ask\u0131ya alabilir.\"}},{\"@type\":\"Question\",\"name\":\"Yabanc\u0131 ortakl\u0131 KVHS ba\u015fvurusu yap\u0131labilir mi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Evet, yabanc\u0131 ortakl\u0131k yap\u0131s\u0131 m\u00fcmk\u00fcnd\u00fcr; ancak yabanc\u0131 ortaklar\u0131n da T\u00fcrk kurucu ve ortaklarla ayn\u0131 d\u00fcr\u00fcstl\u00fck, mali yeterlilik ve itibar \u015fartlar\u0131n\u0131 ta\u015f\u0131mas\u0131 zorunludur. Ortakl\u0131k yap\u0131s\u0131n\u0131n \u015feffaf ve izlenebilir olmas\u0131 ve nihai h\u00e2kim orta\u011f\u0131n tespitinin m\u00fcmk\u00fcn olmas\u0131 gerekmektedir.\"}}]}]}<\/script><\/p>\n<style>.dfh-wrap{width:100%;max-width:100%;font-family:inherit;color:#000;line-height:1.75}.dfh-speakable,.dfh-ai-answer{background:#f2f2f2;border-left:4px solid #000;padding:22px 26px;margin:28px 0;border-radius:1px}.dfh-speakable h3,.dfh-ai-answer h3{margin:0 0 10px 0;font-size:1.05em;font-weight:700;letter-spacing:.01em}.dfh-speakable p,.dfh-ai-answer p,.dfh-speakable ul,.dfh-ai-answer ul{margin:0 0 10px 0}.dfh-speakable p:last-child,.dfh-ai-answer p:last-child{margin:0}.dfh-qa-block{margin:14px 0}.dfh-qa-block .dfh-q{font-weight:700;padding:8px 0 4px 0;border-top:1px solid #d0d0d0}.dfh-qa-block .dfh-a{padding:6px 0 10px 0}.dfh-toc{background:#f7f7f7;border:1px solid #ddd;padding:22px 30px;margin:32px 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0;padding:14px 20px;background:#f7f7f7;font-style:italic}.dfh-section-intro{font-size:1.05em;line-height:1.8;margin-bottom:20px}.dfh-capital-box{display:flex;gap:20px;margin:24px 0;flex-wrap:wrap}.dfh-cap-item{flex:1;min-width:200px;border:2px solid #000;padding:20px;text-align:center}.dfh-cap-item .dfh-cap-amount{font-size:1.6em;font-weight:700;display:block;margin-bottom:6px}.dfh-cap-item .dfh-cap-label{font-size:.88em;color:#333}.dfh-timeline{margin:24px 0}.dfh-tl-item{display:flex;gap:16px;margin-bottom:14px;align-items:flex-start}.dfh-tl-dot{min-width:14px;height:14px;background:#000;border-radius:50%;margin-top:5px}.dfh-tl-body .dfh-tl-date{font-weight:700;font-size:.9em;margin-bottom:3px}.dfh-tl-body p{margin:0;font-size:.95em}.ez-toc-container,.ez-toc-wrap,.toc_container,.wp-toc-container,[class*=\"ez-toc\"],[id*=\"ez-toc\"],[class*=\"toc_\"],[id*=\"toc_\"]{display:none!important}<\/style>\n<div class=\"dfh-wrap\">\n<p><!-- AI SNIPPET \/ HIZLI CEVAP --><\/p>\n<div id=\"hizli-cevap\" class=\"dfh-speakable\">\n<h3><span class=\"ez-toc-section\" id=\"Hizli_Cevap_Kripto_Varlik_Platformu_KVHS_Kurulumu_ve_SPK_Lisanslama\"><\/span>H\u0131zl\u0131 Cevap: Kripto Varl\u0131k Platformu KVHS Kurulumu ve SPK Lisanslama<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"dfh-qa-block\">\n<p class=\"dfh-q\">Kripto varl\u0131k platformu kurmak i\u00e7in ne kadar sermaye gerekir?<\/p>\n<p class=\"dfh-a\">2026 itibar\u0131yla platform i\u00e7in 250.000.000 TL, saklama kurulu\u015fu i\u00e7in 630.000.000 TL \u00f6denmi\u015f sermaye zorunludur (SPK 2025\/68 b\u00fclteniyle g\u00fcncellenmi\u015f tutarlar).<\/p>\n<\/div>\n<div class=\"dfh-qa-block\">\n<p class=\"dfh-q\">SPK KVHS lisans s\u00fcreci ne kadar s\u00fcrer?<\/p>\n<p class=\"dfh-a\">Eksiksiz bir ba\u015fvuru dosyas\u0131yla ortalama 6 ila 12 ay. Kurulu\u015f izninin ard\u0131ndan faaliyet iznine ge\u00e7i\u015f i\u00e7in 6 ay (uzatma dahil 1 y\u0131l) tan\u0131n\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-qa-block\">\n<p class=\"dfh-q\">SPK lisans\u0131 olmadan kripto hizmeti sunulabilir mi?<\/p>\n<p class=\"dfh-a\">Hay\u0131r. SPKn m.109\/A kapsam\u0131nda 3-5 y\u0131l hapis ve 5.000-10.000 g\u00fcn adli para cezas\u0131 uygulan\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-qa-block\">\n<p class=\"dfh-q\">KVHS ba\u015fvurusunda hangi belgeler gerekir?<\/p>\n<p class=\"dfh-a\">\u0130\u015f plan\u0131, finansal projeksiyonlar, kurucu\/ortak belgeleri, bilgi sistemleri altyap\u0131 raporu, siber g\u00fcvenlik denetim belgesi, MASAK uyum program\u0131, saklama kurulu\u015fu s\u00f6zle\u015fmesi ve m\u00fc\u015fteri s\u00f6zle\u015fmesi taslaklar\u0131 ba\u015fl\u0131ca belgelerdir.<\/p>\n<\/div>\n<\/div>\n<p><!-- B\u0130LG\u0130 TABLOSU --><\/p>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-info-table\">\n<thead>\n<tr>\n<th>Bilgi<\/th>\n<th>Detay<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Yasal Dayanak<\/strong><\/td>\n<td>6362 say\u0131l\u0131 SPKn m.35\/B, m.35\/C, m.99\/A; 7518 say\u0131l\u0131 Kanun<\/td>\n<\/tr>\n<tr>\n<td><strong>Tebli\u011fler<\/strong><\/td>\n<td>III-35\/B.1 ve III-35\/B.2 (13 Mart 2025, R.G. 32840)<\/td>\n<\/tr>\n<tr>\n<td><strong>Platform Asgari Sermayesi (2026)<\/strong><\/td>\n<td><strong>250.000.000 TL<\/strong> (SPK 2025\/68 \u2014 %25,49 g\u00fcncelleme)<\/td>\n<\/tr>\n<tr>\n<td><strong>Saklama Kurulu\u015fu Asgari Sermayesi (2026)<\/strong><\/td>\n<td><strong>630.000.000 TL<\/strong> (SPK 2025\/68 \u2014 %25,49 g\u00fcncelleme)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u015eirket T\u00fcr\u00fc<\/strong><\/td>\n<td>Anonim \u015eirket \u2014 paylar\u0131n tamam\u0131 nama yaz\u0131l\u0131<\/td>\n<\/tr>\n<tr>\n<td><strong>Faaliyet \u0130zni S\u00fcresi<\/strong><\/td>\n<td>Kurulu\u015f izninden itibaren 6 ay (uzatma ile maks. 1 y\u0131l)<\/td>\n<\/tr>\n<tr>\n<td><strong>Lisanss\u0131z Faaliyet Cezas\u0131<\/strong><\/td>\n<td>3\u20135 y\u0131l hapis + 5.000\u201310.000 g\u00fcn adli para cezas\u0131 (SPKn m.109\/A)<\/td>\n<\/tr>\n<tr>\n<td><strong>2026 Yeniden De\u011ferleme Oran\u0131<\/strong><\/td>\n<td>%25,49 (SPK 2025\/68 say\u0131l\u0131 b\u00fclten)<\/td>\n<\/tr>\n<tr>\n<td><strong>D\u00fczenleyici Kurum<\/strong><\/td>\n<td>SPK (d\u00fczenleme\/denetim) + MASAK (AML\/CFT)<\/td>\n<\/tr>\n<tr>\n<td><strong>Uzman Dan\u0131\u015fmanl\u0131k<\/strong><\/td>\n<td>Kripto para avukat\u0131 Av. Ahmet Karaca \u2014 DeFi Hukuk B\u00fcrosu<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>T\u00fcrkiye&#8217;de kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 kurmak, 7518 say\u0131l\u0131 Kanun ile SPK denetimine giren bu alanda bankac\u0131l\u0131k standartlar\u0131na yak\u0131n bir uyum y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc anlam\u0131na gelmektedir. Kurulu\u015f izninden faaliyet iznine, sermaye yeterlili\u011finden T\u00dcB\u0130TAK teknik altyap\u0131 kriterlerine kadar her ad\u0131mda kritik detaylar mevcut; bu detaylar\u0131n herhangi birindeki eksiklik ba\u015fvurunun do\u011frudan reddedilmesine yol a\u00e7abilmektedir. Piyasadaki pek \u00e7ok kaynakta h\u00e2l\u00e2 eski sermaye tutarlar\u0131 yer al\u0131rken, bu rehber 2026 y\u0131l\u0131nda ge\u00e7erli g\u00fcncel rakamlar\u0131 ve takvimi i\u00e7ermektedir.<\/p>\n<p><em>\u2014 Av. Ahmet Karaca, DeFi Hukuk B\u00fcrosu<\/em><\/p>\n<hr class=\"dfh-divider\" \/>\n<p><!-- \u0130\u00c7\u0130NDEK\u0130LER --><\/p>\n<div id=\"icerik\" class=\"dfh-toc\">\n<div class=\"dfh-toc-title\">Bu Yaz\u0131m\u0131zda Neler Bulacaks\u0131n\u0131z<\/div>\n<ol>\n<li><a href=\"#kvhs-nedir\">KVHS Nedir? Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Hukuki Tan\u0131m\u0131<\/a><\/li>\n<li><a href=\"#turleri\">Platform ve Saklama Kurulu\u015fu Aras\u0131ndaki Fark<\/a><\/li>\n<li><a href=\"#yasal-dayanak\">Yasal Dayanak: 7518 Say\u0131l\u0131 Kanun ve SPK Tebli\u011fleri<\/a><\/li>\n<li><a href=\"#sirket-kurulus\">\u015eirket Kurulu\u015f \u015eartlar\u0131: Yap\u0131, Unvan ve Esas S\u00f6zle\u015fme<\/a><\/li>\n<li><a href=\"#sermaye\">2026 Sermaye \u015eartlar\u0131: G\u00fcncel Tutarlar ve Hesaplama<\/a><\/li>\n<li><a href=\"#kurucu-yonetici\">Kurucu, Ortak ve Y\u00f6netici \u015eartlar\u0131<\/a><\/li>\n<li><a href=\"#basvuru-dosyasi\">SPK Ba\u015fvuru Dosyas\u0131: Ad\u0131m Ad\u0131m Haz\u0131rl\u0131k Rehberi<\/a><\/li>\n<li><a href=\"#teknik-altyapi\">Teknik Altyap\u0131 ve T\u00dcB\u0130TAK Kriterleri<\/a><\/li>\n<li><a href=\"#siber-guvenlik\">Siber G\u00fcvenlik Denetim Belgesi<\/a><\/li>\n<li><a href=\"#masak-uyum\">MASAK Uyum Program\u0131: AML\/KYC\/KYB Gereklilikleri<\/a><\/li>\n<li><a href=\"#saklama\">Saklama Kurulu\u015fu S\u00f6zle\u015fmesi ve Entegrasyonu<\/a><\/li>\n<li><a href=\"#musteri-sozlesme\">M\u00fc\u015fteri S\u00f6zle\u015fmeleri, Ayd\u0131nlatma ve KVKK<\/a><\/li>\n<li><a href=\"#surec\">Ba\u015fvurudan Faaliyet \u0130znine: S\u00fcre\u00e7 Haritas\u0131<\/a><\/li>\n<li><a href=\"#takvim\">2026 Kritik Takvim ve \u00d6nemli Tarihler<\/a><\/li>\n<li><a href=\"#ceza\">Lisanss\u0131z Faaliyet: Hukuki Sonu\u00e7lar ve Cezalar<\/a><\/li>\n<li><a href=\"#hatalar\">Ba\u015fvurularda En S\u0131k Yap\u0131lan 7 Hata<\/a><\/li>\n<li><a href=\"#sss\">S\u0131k\u00e7a Sorulan Sorular (SSS)<\/a><\/li>\n<li><a href=\"#sonuc\">Sonu\u00e7 ve Dan\u0131\u015fmanl\u0131k<\/a><\/li>\n<\/ol>\n<\/div>\n<p><!-- B\u00d6L\u00dcM 1: KVHS NED\u0130R --><\/p>\n<figure id=\"attachment_6531\" aria-describedby=\"caption-attachment-6531\" style=\"width: 1920px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-6531\" src=\"https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1.jpg\" alt=\"KVHS Nedir? Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Hukuki Tan\u0131m\u0131\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1.jpg 1920w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1-300x169.jpg 300w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1-1024x576.jpg 1024w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1-768x432.jpg 768w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1-1536x864.jpg 1536w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/04\/kvhs-nedir-kripto-varlik-hizmet-saglayicisinin-hukuki-tanimi-1-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption id=\"caption-attachment-6531\" class=\"wp-caption-text\">KVHS Nedir? Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Hukuki Tan\u0131m\u0131<\/figcaption><\/figure>\n<h2 id=\"kvhs-nedir\"><span class=\"ez-toc-section\" id=\"KVHS_Nedir_Kripto_Varlik_Hizmet_Saglayicisinin_Hukuki_Tanimi\"><\/span>KVHS Nedir? Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Hukuki Tan\u0131m\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"dfh-section-intro\">Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 (KVHS), 6362 say\u0131l\u0131 Sermaye Piyasas\u0131 Kanunu&#8217;nun 35\/B maddesi uyar\u0131nca kripto varl\u0131klar\u0131n al\u0131m sat\u0131m\u0131, takas, transfer ve saklama hizmetlerinin bir veya birka\u00e7\u0131n\u0131 d\u00fczenli u\u011fra\u015f\u0131 olarak icra eden t\u00fczel ki\u015fidir. KVHS&#8217;ler SPK&#8217;n\u0131n d\u00fczenleme ve denetimine tabidir; lisanss\u0131z faaliyet g\u00f6stermek 3 ila 5 y\u0131l hapis cezas\u0131 gerektiren bir su\u00e7 olu\u015fturmaktad\u0131r (SPKn m.109\/A).<\/p>\n<div id=\"ai-kvhs-nedir\" class=\"dfh-ai-answer\">\n<h3><span class=\"ez-toc-section\" id=\"Kisa_Cevap_KVHS_Nedir\"><\/span>K\u0131sa Cevap: KVHS Nedir?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 (KVHS), SPK lisans\u0131yla kripto varl\u0131k al\u0131m-sat\u0131m, saklama, takas ve transfer hizmetlerinden birini veya birka\u00e7\u0131n\u0131 sunan, anonim \u015firket yap\u0131s\u0131nda kurulmu\u015f ve SPK denetimine tabi t\u00fczel ki\u015fidir. 7518 say\u0131l\u0131 Kanun ile 2024 y\u0131l\u0131ndan itibaren SPK denetimine giren bu yap\u0131lar, T\u00fcrkiye&#8217;deki kripto ekosisteminin lisansl\u0131 omurgas\u0131n\u0131 olu\u015fturmaktad\u0131r.<\/p>\n<\/div>\n<p>Kanun metninde kripto varl\u0131klar, &#8220;da\u011f\u0131t\u0131k defter teknolojisi veya benzer bir teknoloji kullan\u0131larak elektronik olarak olu\u015fturulup saklanabilen, dijital a\u011flar \u00fczerinden da\u011f\u0131t\u0131m\u0131 yap\u0131lan ve de\u011fer veya hak ifade edebilen gayri maddi varl\u0131klar&#8221; olarak tan\u0131mlanmaktad\u0131r. Bu tan\u0131m\u0131n kapsam\u0131 olduk\u00e7a geni\u015ftir: Bitcoin ve Ethereum&#8217;dan stablecoins&#8217;e, utility token&#8217;lardan g\u00fcvenlik tokenlar\u0131na kadar pek \u00e7ok varl\u0131k bu kategori alt\u0131nda de\u011ferlendirilebilir. Ancak her kripto varl\u0131\u011f\u0131n al\u0131m-sat\u0131m\u0131n\u0131 sunmak, SPK&#8217;n\u0131n ayr\u0131ca d\u00fczenleme alan\u0131 sakl\u0131 tuttu\u011fu varl\u0131k kategorileri a\u00e7\u0131s\u0131ndan ek uyum y\u00fck\u00fcml\u00fcl\u00fckleri do\u011furabilir.<\/p>\n<p>Bizzat y\u00fcr\u00fctt\u00fc\u011f\u00fcm\u00fcz KVHS dan\u0131\u015fmanl\u0131k dosyalar\u0131nda s\u0131kl\u0131kla kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z bir konu \u015fudur: giri\u015fimciler, sunacaklar\u0131 hizmet kapsam\u0131n\u0131 do\u011fru belirlemeden ba\u015fvuru s\u00fcrecine girmektedir. Yaln\u0131zca spot al\u0131m-sat\u0131m platformu kurmay\u0131 hedefleyen bir giri\u015fim i\u00e7in sermaye ve teknik altyap\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri; saklama hizmeti de ekleyen bir yap\u0131ya k\u0131yasla belirgin bi\u00e7imde farkl\u0131la\u015fmaktad\u0131r. Bu nedenle ba\u015fvuru \u00f6ncesinde hizmet kapsam\u0131n\u0131n eksiksiz belirlenmesi, kritik bir stratejik karar niteli\u011findedir.<\/p>\n<p><!-- B\u00d6L\u00dcM 2: PLATFORM VS SAKLAMA --><\/p>\n<h2 id=\"turleri\"><span class=\"ez-toc-section\" id=\"Platform_ve_Saklama_Kurulusu_Arasindaki_Fark\"><\/span>Platform ve Saklama Kurulu\u015fu Aras\u0131ndaki Fark<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SPK mevzuat\u0131nda iki temel KVHS t\u00fcr\u00fc tan\u0131mlanm\u0131\u015ft\u0131r: kripto varl\u0131k al\u0131m sat\u0131m platformu ve kripto varl\u0131k saklama kurulu\u015fu. Bu iki yap\u0131 hem faaliyet kapsam\u0131 hem de sermaye y\u00fck\u00fcml\u00fcl\u00fckleri bak\u0131m\u0131ndan birbirinden \u00f6nemli \u00f6l\u00e7\u00fcde ayr\u0131\u015fmaktad\u0131r.<\/p>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>\u00d6zellik<\/th>\n<th>Kripto Varl\u0131k Al\u0131m Sat\u0131m Platformu<\/th>\n<th>Kripto Varl\u0131k Saklama Kurulu\u015fu<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Ana Faaliyet<\/strong><\/td>\n<td>Al\u0131m-sat\u0131m, takas, transfer ortam\u0131 sunma<\/td>\n<td>\u00d6zel anahtar saklama ve y\u00f6netimi<\/td>\n<\/tr>\n<tr>\n<td><strong>Asgari Sermaye (2026)<\/strong><\/td>\n<td><strong>250.000.000 TL<\/strong><\/td>\n<td><strong>630.000.000 TL<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Ticaret Unvan\u0131<\/strong><\/td>\n<td>&#8220;Kripto Varl\u0131k Al\u0131m Sat\u0131m Platformu&#8221; ibaresi zorunlu<\/td>\n<td>&#8220;Kripto Varl\u0131k Saklama Kurulu\u015fu&#8221; ibaresi zorunlu<\/td>\n<\/tr>\n<tr>\n<td><strong>Faaliyet Konusu<\/strong><\/td>\n<td>M\u00fcnhas\u0131ran kripto varl\u0131k i\u015flemleri<\/td>\n<td>M\u00fcnhas\u0131ran saklama ve anahtar y\u00f6netimi<\/td>\n<\/tr>\n<tr>\n<td><strong>Teknik Kritiklik<\/strong><\/td>\n<td>Y\u00fcksek (e\u015fle\u015ftirme motoru, siber g\u00fcvenlik)<\/td>\n<td>\u00c7ok y\u00fcksek (cold\/hot wallet mimarisi, HSM)<\/td>\n<\/tr>\n<tr>\n<td><strong>M\u00fc\u015fteri Varl\u0131\u011f\u0131 Ayr\u0131m\u0131<\/strong><\/td>\n<td>Zorunlu (m\u00fc\u015fteri emanet hesaplar\u0131)<\/td>\n<td>Zorunlu (segregated saklama)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Dikkat edilmesi gereken kritik bir husus \u015fudur: bir platform, m\u00fc\u015fteri varl\u0131klar\u0131n\u0131 kendi b\u00fcnyesinde sakl\u0131yorsa bu faaliyet ayn\u0131 zamanda saklama hizmeti kapsam\u0131nda de\u011ferlendirilebilir. Bu durumda hem platform hem de saklama kurulu\u015fu lisans\u0131 al\u0131nmas\u0131 ya da lisansl\u0131 bir saklama kurulu\u015fuyla s\u00f6zle\u015fme kurulmas\u0131 gerekir. Pratikte pek \u00e7ok ba\u015fvuru, bu ayr\u0131m\u0131n g\u00f6zden ka\u00e7\u0131r\u0131lmas\u0131 nedeniyle eksik dosya gerek\u00e7esiyle bekletilmektedir.<\/p>\n<p><!-- B\u00d6L\u00dcM 3: YASAL DAYANAK --><\/p>\n<h2 id=\"yasal-dayanak\"><span class=\"ez-toc-section\" id=\"Yasal_Dayanak_7518_Sayili_Kanun_ve_SPK_Tebligleri\"><\/span>Yasal Dayanak: 7518 Say\u0131l\u0131 Kanun ve SPK Tebli\u011fleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u00fcrkiye&#8217;de KVHS \u00e7er\u00e7evesinin hukuki altyap\u0131s\u0131 birden fazla d\u00fczenleyici katmandan olu\u015fmaktad\u0131r. Bu katmanlar\u0131 do\u011fru anlamak; ba\u015fvuru dosyas\u0131n\u0131n haz\u0131rlanmas\u0131nda, uyum program\u0131n\u0131n tasarlanmas\u0131nda ve olas\u0131 itiraz s\u00fcre\u00e7lerinde belirleyici bir rol oynamaktad\u0131r.<\/p>\n<ul>\n<li><strong>6362 say\u0131l\u0131 Sermaye Piyasas\u0131 Kanunu (SPKn) m.35\/B, m.35\/C, m.99\/A:<\/strong> Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131 d\u00fczenleyen temel kanun h\u00fck\u00fcmleridir. Lisans zorunlulu\u011fu, denetim yetkisi ve yapt\u0131r\u0131m \u00e7er\u00e7evesi bu maddelerle belirlenmi\u015ftir.<\/li>\n<li><strong>7518 say\u0131l\u0131 Kanun (Y\u00fcr\u00fcrl\u00fck: 2 Temmuz 2024):<\/strong> SPKn&#8217;ya kripto varl\u0131klara ili\u015fkin h\u00fck\u00fcmleri ekleyen, sekt\u00f6r\u00fc resmi d\u00fczenleyici \u00e7er\u00e7eveye dahil eden ve ge\u00e7i\u015f s\u00fcrecini ba\u015flatan kanundur.<\/li>\n<li><strong>III-35\/B.1 say\u0131l\u0131 Tebli\u011f (13 Mart 2025, R.G. 32840):<\/strong> Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131n kurulu\u015f, faaliyet, organizasyon ve denetim esaslar\u0131n\u0131 belirleyen temel ikincil d\u00fczenlemedir.<\/li>\n<li><strong>III-35\/B.2 say\u0131l\u0131 Tebli\u011f (13 Mart 2025, R.G. 32840):<\/strong> Sermaye yeterlili\u011fi, m\u00fc\u015fteri varl\u0131klar\u0131n\u0131n korunmas\u0131, saklama ve teknik altyap\u0131 gerekliliklerini d\u00fczenler.<\/li>\n<li><strong>SPK 2025\/68 say\u0131l\u0131 B\u00fclten:<\/strong> %25,49 yeniden de\u011ferleme oran\u0131yla sermaye tutarlar\u0131n\u0131 g\u00fcncelleyen resmi SPK b\u00fcltenidir. Bu b\u00fclten yay\u0131mland\u0131ktan sonra sekt\u00f6rde kullan\u0131lan pek \u00e7ok eski kaynak g\u00fcncelli\u011fini yitirmi\u015ftir.<\/li>\n<li><strong>5549 say\u0131l\u0131 Kanun (MASAK):<\/strong> Su\u00e7 gelirlerinin aklanmas\u0131n\u0131n \u00f6nlenmesine ili\u015fkin temel kanundur; KVHS&#8217;lerin uyum programlar\u0131 bu kanun kapsam\u0131nda <a href=\"https:\/\/masak.hmb.gov.tr\/\" target=\"_blank\" rel=\"dofollow noopener\">Mali Su\u00e7lar\u0131 Ara\u015ft\u0131rma Kurulu (MASAK)<\/a> denetimine tabi olarak haz\u0131rlan\u0131r.<\/li>\n<\/ul>\n<div class=\"dfh-alert dfh-alert-warn\"><b>\u00d6nemli Uyar\u0131:<\/b> Piyasadaki pek \u00e7ok rehber ve kaynak, 2025 \u00f6ncesi sermaye tutarlar\u0131n\u0131 (50.000.000 TL gibi) i\u00e7ermektedir. Bu tutarlar 2025 y\u0131l\u0131nda birden fazla SPK karar\u0131yla \u00f6nemli \u00f6l\u00e7\u00fcde art\u0131r\u0131lm\u0131\u015ft\u0131r. 2026 itibar\u0131yla ge\u00e7erli rakamlar yaln\u0131zca SPK&#8217;n\u0131n 2025\/68 say\u0131l\u0131 b\u00fclteninde yer alan g\u00fcncel de\u011ferlerdir.<\/div>\n<p><!-- B\u00d6L\u00dcM 4: \u015e\u0130RKET KURULU\u015e \u015eARTLARI --><\/p>\n<h2 id=\"sirket-kurulus\"><span class=\"ez-toc-section\" id=\"Sirket_Kurulus_Sartlari_Yapi_Unvan_ve_Esas_Sozlesme\"><\/span>\u015eirket Kurulu\u015f \u015eartlar\u0131: Yap\u0131, Unvan ve Esas S\u00f6zle\u015fme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>KVHS ba\u015fvurusuna ge\u00e7meden \u00f6nce \u015firketin mevzuata uygun bi\u00e7imde kurulmu\u015f olmas\u0131 zorunludur. Yanl\u0131\u015f yap\u0131land\u0131r\u0131lm\u0131\u015f bir \u015firket yap\u0131s\u0131, ba\u015fvurunun hen\u00fcz inceleme a\u015famas\u0131na gelmeden iade edilmesine neden olabilir.<\/p>\n<ul class=\"dfh-checklist\">\n<li><strong>\u015eirket t\u00fcr\u00fc:<\/strong> Anonim \u015eirket (A.\u015e.) olmas\u0131 zorunludur. Limited \u015firket veya di\u011fer yap\u0131lar kabul edilmemektedir.<\/li>\n<li><strong>Pay yap\u0131s\u0131:<\/strong> T\u00fcm paylar nama yaz\u0131l\u0131 olmal\u0131d\u0131r. Hamiline yaz\u0131l\u0131 pay \u00e7\u0131kar\u0131lamaz.<\/li>\n<li><strong>Sermaye \u00f6demesi:<\/strong> T\u00fcm sermaye nakit olarak \u00f6denmi\u015f ve bankada bloke edilmi\u015f olmal\u0131d\u0131r. Ayni sermaye koyma kabul edilmez.<\/li>\n<li><strong>Ticaret unvan\u0131:<\/strong> &#8220;Kripto Varl\u0131k Al\u0131m Sat\u0131m Platformu&#8221; veya &#8220;Kripto Varl\u0131k Saklama Kurulu\u015fu&#8221; ibaresi unvanda a\u00e7\u0131k\u00e7a yer almal\u0131d\u0131r.<\/li>\n<li><strong>Esas s\u00f6zle\u015fme konusu:<\/strong> Faaliyet konusu m\u00fcnhas\u0131ran kripto varl\u0131k hizmetleri olarak belirlenmelidir. Farkl\u0131 i\u015f kollar\u0131na yer verilmesi kabul edilmez.<\/li>\n<li><strong>Y\u00f6netim kurulu:<\/strong> En az \u00fc\u00e7 \u00fcyeden olu\u015fmal\u0131d\u0131r; t\u00fcm \u00fcyeler SPK&#8217;n\u0131n belirledi\u011fi nitelik \u015fartlar\u0131n\u0131 ta\u015f\u0131mal\u0131d\u0131r.<\/li>\n<li><strong>Ortakl\u0131k \u015feffafl\u0131\u011f\u0131:<\/strong> Ortakl\u0131k yap\u0131s\u0131 a\u00e7\u0131k ve izlenebilir olmal\u0131; nihai h\u00e2kim ortak tespit edilebilir nitelikte olmal\u0131d\u0131r.<\/li>\n<li><strong>Merkez adresi:<\/strong> T\u00fcrkiye&#8217;de yerle\u015fik bir merkez adresi zorunludur.<\/li>\n<\/ul>\n<p><!-- B\u00d6L\u00dcM 5: SERMAYE \u015eARTLARI --><\/p>\n<h2 id=\"sermaye\"><span class=\"ez-toc-section\" id=\"2026_Sermaye_Sartlari_Guncel_Tutarlar_ve_Hesaplama\"><\/span>2026 Sermaye \u015eartlar\u0131: G\u00fcncel Tutarlar ve Hesaplama<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"ai-sermaye\" class=\"dfh-ai-answer\">\n<h3><span class=\"ez-toc-section\" id=\"2026_Yili_Guncel_Sermaye_Sartlari\"><\/span>2026 Y\u0131l\u0131 G\u00fcncel Sermaye \u015eartlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>SPK&#8217;n\u0131n 2025\/68 say\u0131l\u0131 b\u00fclteniyle %25,49 yeniden de\u011ferleme oran\u0131 uygulanarak g\u00fcncellenen 2026 y\u0131l\u0131 asgari sermaye tutarlar\u0131 \u015f\u00f6yledir: kripto varl\u0131k al\u0131m sat\u0131m platformu i\u00e7in 250.000.000 TL, kripto varl\u0131k saklama kurulu\u015fu i\u00e7in 630.000.000 TL. Bu tutarlar \u00f6denmi\u015f, bloke edilmi\u015f nakit sermaye olarak sa\u011flanmal\u0131d\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-capital-box\">\n<div class=\"dfh-cap-item\"><span class=\"dfh-cap-amount\">250.000.000 TL<\/span><span class=\"dfh-cap-label\">Kripto Varl\u0131k Al\u0131m Sat\u0131m Platformu<br \/>\nAsgari \u00d6denmi\u015f Sermaye (2026)<\/span><\/div>\n<div class=\"dfh-cap-item\"><span class=\"dfh-cap-amount\">630.000.000 TL<\/span><span class=\"dfh-cap-label\">Kripto Varl\u0131k Saklama Kurulu\u015fu<br \/>\nAsgari \u00d6denmi\u015f Sermaye (2026)<\/span><\/div>\n<\/div>\n<p>Sermaye yeterlili\u011fi, yaln\u0131zca ba\u015fvuru an\u0131nda de\u011fil; faaliyetin s\u00fcrd\u00fc\u011f\u00fc t\u00fcm s\u00fcre boyunca korunmas\u0131 gereken bir y\u00fck\u00fcml\u00fcl\u00fckt\u00fcr. SPK, aktif KVHS&#8217;lerin sermayesini periyodik olarak denetler; e\u015fi\u011fin alt\u0131na d\u00fc\u015f\u00fclmesi faaliyet izninin ask\u0131ya al\u0131nmas\u0131na neden olabilir. Bu nedenle ba\u015fvuru s\u00fcrecinde planlanan operasyonel maliyetler, yaz\u0131l\u0131m ve altyap\u0131 harcamalar\u0131 ile personel giderleri hesapland\u0131ktan sonra ger\u00e7ek &#8220;\u00e7al\u0131\u015fan sermaye&#8221; ihtiyac\u0131 asgari e\u015fi\u011fin \u00f6nemli \u00f6l\u00e7\u00fcde \u00fczerinde tutulmal\u0131d\u0131r.<\/p>\n<p>Dan\u0131\u015fmanl\u0131k verdi\u011fimiz dosyalarda s\u0131kl\u0131kla kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z bir hata \u015fudur: giri\u015fimciler asgari sermaye tutar\u0131n\u0131 tam olarak kar\u015f\u0131layan bir yap\u0131yla ba\u015fvurmaktad\u0131r. Oysa ba\u015fvuru s\u00fcrecindeki hukuki, teknik ve operasyonel harcamalar g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, fiili \u00e7al\u0131\u015fma sermayesinin asgari tutar\u0131n en az %20-30 \u00fczerinde planlanmas\u0131 \u00f6nerilir.<\/p>\n<div class=\"dfh-alert\"><b>Sermaye Yeniden De\u011ferleme:<\/b> SPK, sermaye e\u015fiklerini y\u0131ll\u0131k olarak yeniden de\u011ferleme oran\u0131yla g\u00fcncellemektedir. 2025 y\u0131l\u0131nda uygulanan oran %25,49&#8217;dur. Ba\u015fvuru haz\u0131rl\u0131\u011f\u0131na ba\u015flamadan \u00f6nce <a href=\"https:\/\/www.spk.gov.tr\/Sayfa\/AltSayfa\/888\" target=\"_blank\" rel=\"dofollow noopener\">Sermaye Piyasas\u0131 Kurulu (SPK)<\/a>&#8216;n\u0131n g\u00fcncel b\u00fcltenlerini kontrol etmek b\u00fcy\u00fck \u00f6nem ta\u015f\u0131maktad\u0131r.<\/div>\n<p><!-- B\u00d6L\u00dcM 6: KURUCU\/Y\u00d6NET\u0130C\u0130 \u015eARTLARI --><\/p>\n<h2 id=\"kurucu-yonetici\"><span class=\"ez-toc-section\" id=\"Kurucu_Ortak_ve_Yonetici_Sartlari\"><\/span>Kurucu, Ortak ve Y\u00f6netici \u015eartlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SPK, KVHS b\u00fcnyesindeki kurucu ortaklar, pay sahipleri ve y\u00f6netim kurulu \u00fcyeleri i\u00e7in kapsaml\u0131 bir d\u00fcr\u00fcstl\u00fck, yeterlilik ve itibar \u00e7er\u00e7evesi olu\u015fturmu\u015ftur. Bu \u015fartlar\u0131n herhangi birinin kar\u015f\u0131lanmamas\u0131 ba\u015fvurunun reddedilmesi sonucunu do\u011furmaktad\u0131r.<\/p>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>\u015eart Kategorisi<\/th>\n<th>Gereklilik<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>M\u00fcflis\/Konkordato<\/strong><\/td>\n<td>M\u00fcflis olmamal\u0131, konkordato ilan etmemi\u015f, haklar\u0131nda iflas karar\u0131 verilmemi\u015f olmal\u0131d\u0131r.<\/td>\n<\/tr>\n<tr>\n<td><strong>Finansal Kurulu\u015f Ba\u011flant\u0131s\u0131<\/strong><\/td>\n<td>Tasfiyeye tabi bankerler, iptal edilmi\u015f faktoring\/finansal kiralama\/sigorta \u015firketlerinde %10 veya \u00fczeri pay sahibi olmamal\u0131d\u0131r.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0130\u015flem Yasa\u011f\u0131<\/strong><\/td>\n<td>SPKn m.101 kapsam\u0131nda herhangi bir i\u015flem yasa\u011f\u0131 bulunmamal\u0131d\u0131r.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sab\u0131ka\/Adli Sicil<\/strong><\/td>\n<td>Y\u00fcz k\u0131zart\u0131c\u0131 su\u00e7lar, ter\u00f6rizmin finansman\u0131, vergi ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131, devlet g\u00fcvenli\u011fine kar\u015f\u0131 su\u00e7lardan mahk\u00fbmiyet bulunmamal\u0131d\u0131r.<\/td>\n<\/tr>\n<tr>\n<td><strong>Tecr\u00fcbe ve Yetkinlik<\/strong><\/td>\n<td>Y\u00f6netim kurulu \u00fcyelerinin finans, teknoloji veya ilgili alanlarda yeterli tecr\u00fcbeye sahip oldu\u011funu belgeleyen \u00f6zge\u00e7mi\u015f ve referans sunulmal\u0131d\u0131r.<\/td>\n<\/tr>\n<tr>\n<td><strong>Uyum Sorumlusu<\/strong><\/td>\n<td>Ba\u011f\u0131ms\u0131z ve tam zamanl\u0131 bir uyum sorumlusu atanmal\u0131d\u0131r.<\/td>\n<\/tr>\n<tr>\n<td><strong>Yabanc\u0131 Ortak<\/strong><\/td>\n<td>Yabanc\u0131 ortaklar ayn\u0131 \u015fartlar\u0131 ta\u015f\u0131mal\u0131; ortakl\u0131k yap\u0131s\u0131 \u015feffaf ve nihai h\u00e2kim ortak tespit edilebilir olmal\u0131d\u0131r.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Y\u00f6netim kurulunun en az \u00fc\u00e7 \u00fcyeden olu\u015fmas\u0131 ve \u00fcyelerden en az birinin icrac\u0131 olmayan ba\u011f\u0131ms\u0131z \u00fcye niteli\u011fini ta\u015f\u0131mas\u0131 beklenmektedir. Ayr\u0131ca y\u00f6netim kurulunun da\u011f\u0131t\u0131labilir k\u00e2r\u0131n yar\u0131s\u0131ndan fazlas\u0131n\u0131 tek ba\u015f\u0131na alma hakk\u0131n\u0131 haiz ortakla ilgili yap\u0131lar, SPK&#8217;n\u0131n \u00f6zel inceleme oda\u011f\u0131nda yer almaktad\u0131r.<\/p>\n<p><!-- B\u00d6L\u00dcM 7: BA\u015eVURU DOSYASI --><\/p>\n<h2 id=\"basvuru-dosyasi\"><span class=\"ez-toc-section\" id=\"SPK_Basvuru_Dosyasi_Adim_Adim_Hazirlik_Rehberi\"><\/span>SPK Ba\u015fvuru Dosyas\u0131: Ad\u0131m Ad\u0131m Haz\u0131rl\u0131k Rehberi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SPK KVHS ba\u015fvuru dosyas\u0131, T\u00fcrkiye&#8217;nin d\u00fczenleyici \u00e7er\u00e7evesindeki en kapsaml\u0131 ba\u015fvuru dosyalar\u0131ndan biridir. Dosyan\u0131n eksiksiz ve tutarl\u0131 olmas\u0131, inceleme s\u00fcresini do\u011frudan etkiler; eksik veya \u00e7eli\u015fkili bir dosya tekrar tamamlanmak \u00fczere iade edilebilir.<\/p>\n<div class=\"dfh-step-wrap\">\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">1<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">\u00d6n Haz\u0131rl\u0131k ve Hizmet Kapsam\u0131 Belirleme<\/p>\n<p>Sunulacak hizmetlerin (al\u0131m-sat\u0131m, saklama, takas, transfer) kapsam\u0131 netle\u015ftirilmeli, buna g\u00f6re hangi sermaye e\u015fi\u011finin ve teknik altyap\u0131n\u0131n gerekti\u011fi belirlenmeli ve i\u015f modeli plan\u0131 olu\u015fturulmal\u0131d\u0131r.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">2<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">\u015eirket Kurulu\u015fu ve Sermaye Blokesi<\/p>\n<p>Anonim \u015firket kurulumu, esas s\u00f6zle\u015fmenin SPK gereklilikleri \u00e7er\u00e7evesinde haz\u0131rlanmas\u0131, sermayenin nakit olarak bankada bloke edilmesi ve banka mektubunun temin edilmesi.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">3<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">\u0130\u015f Plan\u0131 ve Finansal Projeksiyonlar<\/p>\n<p>Detayl\u0131 i\u015f plan\u0131 (3-5 y\u0131ll\u0131k), gelir modeli, maliyet yap\u0131s\u0131, stres testi senaryolar\u0131 ve sermaye yeterlili\u011fi projeksiyon tablolar\u0131 haz\u0131rlanmal\u0131d\u0131r. SPK, i\u015f plan\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilirli\u011fini ve ger\u00e7ek\u00e7ili\u011fini de\u011ferlendirir.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">4<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Kurucu, Ortak ve Y\u00f6netici Beyan ve Belgeleri<\/p>\n<p>T\u00fcm kurucu, ortak (%10 ve \u00fczeri pay sahipleri dahil) ve y\u00f6netim kurulu \u00fcyeleri i\u00e7in \u00f6zge\u00e7mi\u015f, adli sicil kayd\u0131, mali yeterlilik belgesi, beyan formlar\u0131 ve kimlik belgelerinden olu\u015fan dosya haz\u0131rlanmal\u0131d\u0131r.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">5<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Bilgi Sistemleri Altyap\u0131 Raporu<\/p>\n<p>T\u00dcB\u0130TAK veya SPK&#8217;n\u0131n kabul etti\u011fi akredite bir kurum taraf\u0131ndan haz\u0131rlanan bilgi sistemleri altyap\u0131 raporu eklenmelidir. Bu rapor platform mimarisini, g\u00fcvenlik protokollerini, yedekleme sistemlerini ve operasyon s\u00fcreklili\u011fi plan\u0131n\u0131 kapsamal\u0131d\u0131r.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">6<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Siber G\u00fcvenlik Denetim Belgesi<\/p>\n<p>Ba\u011f\u0131ms\u0131z bir siber g\u00fcvenlik kurulu\u015fu taraf\u0131ndan ger\u00e7ekle\u015ftirilen s\u0131zma testi (penetration test), g\u00fcvenlik a\u00e7\u0131\u011f\u0131 de\u011ferlendirmesi ve g\u00fcvenlik denetim raporu dosyaya eklenmelidir. 30 Eyl\u00fcl 2025 tarihinden itibaren yap\u0131lan ba\u015fvurularda bu belgenin mevcut olmas\u0131 zorunludur.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">7<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">MASAK Uyum Program\u0131<\/p>\n<p>5549 say\u0131l\u0131 Kanun kapsam\u0131nda haz\u0131rlanan AML\/CFT uyum program\u0131, KYC\/KYB prosed\u00fcrleri, \u015f\u00fcpheli i\u015flem bildirim mekanizmalar\u0131, m\u00fc\u015fteri risk s\u0131n\u0131fland\u0131rmas\u0131 ve e\u011fitim plan\u0131 dosyaya dahil edilmelidir.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">8<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">\u0130\u00e7 Kontrol ve Risk Y\u00f6netimi Belgeleri<\/p>\n<p>\u0130\u00e7 kontrol sistemi politikalar\u0131, risk y\u00f6netimi \u00e7er\u00e7evesi, operasyonel risk prosed\u00fcrleri, i\u00e7 denetim plan\u0131 ve uyum sorumlusunun g\u00f6rev tan\u0131m\u0131 ile atama belgesi haz\u0131rlanmal\u0131d\u0131r.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">9<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Saklama Kurulu\u015fu S\u00f6zle\u015fmesi<\/p>\n<p>Platform ba\u015fvurular\u0131nda, m\u00fc\u015fteri varl\u0131klar\u0131n\u0131n saklanaca\u011f\u0131 SPK lisansl\u0131 bir saklama kurulu\u015fuyla imzalanm\u0131\u015f veya ileri tarihli taslak s\u00f6zle\u015fme dosyaya eklenmelidir. Saklama kurulu\u015fuyla s\u00f6zle\u015fme imzalanmas\u0131 31 Mart 2026 tarihine kadar zorunlu h\u00e2le getirilmi\u015ftir.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">10<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">M\u00fc\u015fteri S\u00f6zle\u015fmesi ve KVKK Belgeleri<\/p>\n<p>Kullan\u0131c\u0131 s\u00f6zle\u015fmesi tasla\u011f\u0131, risk a\u00e7\u0131klama formu, ayd\u0131nlatma metni ve KVKK kapsam\u0131ndaki veri i\u015fleme politikalar\u0131 haz\u0131rlanarak dosyaya eklenmelidir.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- B\u00d6L\u00dcM 8: TEKN\u0130K ALTYAPI --><\/p>\n<h2 id=\"teknik-altyapi\"><span class=\"ez-toc-section\" id=\"Teknik_Altyapi_ve_TUBITAK_Kriterleri\"><\/span>Teknik Altyap\u0131 ve T\u00dcB\u0130TAK Kriterleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bilgi sistemleri altyap\u0131s\u0131, SPK ba\u015fvuru dosyas\u0131n\u0131n teknik a\u00e7\u0131dan en kritik bile\u015fenidir. SPK, ba\u015fvurular\u0131n de\u011ferlendirilmesinde T\u00dcB\u0130TAK veya SPK&#8217;n\u0131n onaylad\u0131\u011f\u0131 ba\u011f\u0131ms\u0131z denetim kurulu\u015flar\u0131n\u0131n haz\u0131rlad\u0131\u011f\u0131 teknik raporlara b\u00fcy\u00fck a\u011f\u0131rl\u0131k vermektedir.<\/p>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>Teknik Kriter<\/th>\n<th>Asgari Gereklilik<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Sistem S\u00fcreklili\u011fi<\/strong><\/td>\n<td>%99,5 ve \u00fczeri uptime garantisi; aktif-aktif ya da aktif-pasif DR (Disaster Recovery) mimarisi<\/td>\n<\/tr>\n<tr>\n<td><strong>Veri Yedekleme<\/strong><\/td>\n<td>G\u00fcnl\u00fck tam yedekleme, co\u011frafi olarak ayr\u0131\u015f\u0131k yedekleme merkezi<\/td>\n<\/tr>\n<tr>\n<td><strong>Kimlik Do\u011frulama<\/strong><\/td>\n<td>\u00c7ok fakt\u00f6rl\u00fc kimlik do\u011frulama (MFA) \u2014 kullan\u0131c\u0131 ve sistem d\u00fczeyinde<\/td>\n<\/tr>\n<tr>\n<td><strong>\u015eifreleme<\/strong><\/td>\n<td>AES-256 veya \u00fczeri \u015fifreleme; TLS 1.2+ protokol\u00fc<\/td>\n<\/tr>\n<tr>\n<td><strong>Eri\u015fim Y\u00f6netimi<\/strong><\/td>\n<td>Rol tabanl\u0131 eri\u015fim kontrol\u00fc (RBAC); y\u00f6netimsel eri\u015fim loglar\u0131<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0130\u015flem G\u00fcnl\u00fckleri<\/strong><\/td>\n<td>De\u011fi\u015ftirilemez audit log; en az 5 y\u0131l saklama zorunlulu\u011fu<\/td>\n<\/tr>\n<tr>\n<td><strong>S\u0131zma Testi<\/strong><\/td>\n<td>Y\u0131lda en az bir kez ba\u011f\u0131ms\u0131z penetration test<\/td>\n<\/tr>\n<tr>\n<td><strong>Saklama Altyap\u0131s\u0131 (Saklama Kurulu\u015fu)<\/strong><\/td>\n<td>HSM (Hardware Security Module) zorunlulu\u011fu; cold\/hot wallet ayr\u0131m\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Pratikte en \u00e7ok gecikmeye neden olan teknik eksiklikler \u015funlard\u0131r: DR mimarisinin yeterince belgelenmemi\u015f olmas\u0131, i\u015flem g\u00fcnl\u00fcklerinin de\u011fi\u015ftirilemezli\u011finin kan\u0131tlanamamas\u0131 ve sistem s\u00fcreklili\u011fi garantisinin \u00fc\u00e7\u00fcnc\u00fc taraf SLA s\u00f6zle\u015fmeleriyle desteklenmemesi. Bu eksiklikler, bilgi sistemleri raporunun iade edilmesine ve ba\u015fvurunun bekleme s\u00fcrecine girmesine neden olmaktad\u0131r.<\/p>\n<p><!-- B\u00d6L\u00dcM 9: S\u0130BER G\u00dcVENL\u0130K --><\/p>\n<h2 id=\"siber-guvenlik\"><span class=\"ez-toc-section\" id=\"Siber_Guvenlik_Denetim_Belgesi\"><\/span>Siber G\u00fcvenlik Denetim Belgesi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SPK, 30 Eyl\u00fcl 2025 tarihinden itibaren yap\u0131lan ba\u015fvurularda ba\u011f\u0131ms\u0131z bir siber g\u00fcvenlik denetim belgesinin dosyaya eklenmesini zorunlu k\u0131lmaktad\u0131r. Bu belge yaln\u0131zca bir g\u00fcvenlik de\u011ferlendirmesi de\u011fil; platformun canl\u0131 ortama al\u0131nmadan \u00f6nce belirlenmi\u015f g\u00fcvenlik e\u015fiklerini kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 kan\u0131tlayan resmi bir denetim \u00e7\u0131kt\u0131s\u0131d\u0131r.<\/p>\n<ul class=\"dfh-checklist\">\n<li>S\u0131zma testi (a\u011f, uygulama ve sosyal m\u00fchendislik testleri dahil)<\/li>\n<li>G\u00fcvenlik a\u00e7\u0131\u011f\u0131 taramas\u0131 ve CVSS skorlama raporu<\/li>\n<li>G\u00fcvenli yaz\u0131l\u0131m geli\u015ftirme ya\u015fam d\u00f6ng\u00fcs\u00fc (SDLC) de\u011ferlendirmesi<\/li>\n<li>A\u011f segmentasyonu ve g\u00fcvenlik duvar\u0131 konfig\u00fcrasyon denetimi<\/li>\n<li>\u015eifreleme ve anahtar y\u00f6netimi politikas\u0131 incelemesi<\/li>\n<li>Olay m\u00fcdahale plan\u0131 ve i\u015f s\u00fcreklili\u011fi testi<\/li>\n<\/ul>\n<p>Denetim, SPK&#8217;n\u0131n kabul etti\u011fi akredite bir bilgi g\u00fcvenli\u011fi kurulu\u015fu taraf\u0131ndan ger\u00e7ekle\u015ftirilmelidir. Denetim firmalar\u0131n\u0131n SPK nezdinde tan\u0131n\u0131rl\u0131\u011f\u0131, raporun kabul edilebilirli\u011fini do\u011frudan etkiler. Bu nedenle denetim firmasi se\u00e7imi a\u015famas\u0131nda SPK&#8217;n\u0131n g\u00fcncel kabul listesinin kontrol edilmesi \u00f6nerilir.<\/p>\n<p><!-- B\u00d6L\u00dcM 10: MASAK UYUM --><\/p>\n<h2 id=\"masak-uyum\"><span class=\"ez-toc-section\" id=\"MASAK_Uyum_Programi_AMLKYCKYB_Gereklilikleri\"><\/span>MASAK Uyum Program\u0131: AML\/KYC\/KYB Gereklilikleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"ai-masak\" class=\"dfh-ai-answer\">\n<h3><span class=\"ez-toc-section\" id=\"KVHS_MASAK_Uyumu_Neden_Bu_Kadar_Kritik\"><\/span>KVHS MASAK Uyumu Neden Bu Kadar Kritik?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Kripto varl\u0131k platformlar\u0131, 5549 say\u0131l\u0131 Kanun kapsam\u0131nda &#8220;y\u00fck\u00fcml\u00fc&#8221; stat\u00fcs\u00fcndedir ve Mali Su\u00e7lar\u0131 Ara\u015ft\u0131rma Kurulu&#8217;na (MASAK) kar\u015f\u0131 kapsaml\u0131 AML\/CFT y\u00fck\u00fcml\u00fcl\u00fckleri ta\u015f\u0131r. Uyum program\u0131n\u0131n eksik ya da yetersiz haz\u0131rlanmas\u0131 hem SPK ba\u015fvurusunun reddedilmesine hem de MASAK denetimleri sonucunda a\u011f\u0131r idari yapt\u0131r\u0131mlara yol a\u00e7abilir.<\/p>\n<\/div>\n<p>MASAK uyum program\u0131, teorik bir belge koleksiyonu olman\u0131n \u00f6tesinde; ger\u00e7ekten i\u015fler, test edilebilir ve denetlenebilir bir s\u00fcre\u00e7 b\u00fct\u00fcn\u00fc olarak haz\u0131rlanmal\u0131d\u0131r. Y\u00fczlerce sayfal\u0131k politika belgeleri i\u00e7eren ancak pratikte uygulanabilirli\u011fi kan\u0131tlanamayan uyum programlar\u0131, denetim s\u00fcrecinde en s\u0131k ele\u015ftiri alan konular aras\u0131nda yer almaktad\u0131r.<\/p>\n<p><strong>Uyum program\u0131n\u0131n i\u00e7ermesi gereken temel bile\u015fenler:<\/strong><\/p>\n<ul class=\"dfh-checklist\">\n<li><strong>KYC (Know Your Customer) Prosed\u00fcrleri:<\/strong> Bireysel m\u00fc\u015fterilerin kimlik tespiti, belge do\u011frulama, canl\u0131l\u0131k testi ve PEP (Siyasi N\u00fcfuz Sahibi Ki\u015fi) taramas\u0131 prosed\u00fcrleri<\/li>\n<li><strong>KYB (Know Your Business) Prosed\u00fcrleri:<\/strong> Kurumsal m\u00fc\u015fterilerin teyidi, nihai hak sahibinin (UBO) tespiti, \u015firket belge do\u011frulamas\u0131<\/li>\n<li><strong>M\u00fc\u015fteri Risk S\u0131n\u0131fland\u0131rmas\u0131:<\/strong> D\u00fc\u015f\u00fck\/orta\/y\u00fcksek risk kategorileri, risk skorlama metodolojisi ve y\u00fcksek riskli m\u00fc\u015fteri i\u00e7in art\u0131r\u0131lm\u0131\u015f durum tespiti (EDD) prosed\u00fcrleri<\/li>\n<li><strong>\u015e\u00fcpheli \u0130\u015flem Bildirimi (\u015e\u0130B):<\/strong> MASAK&#8217;a bildirim tetikleyicileri, bildirim s\u00fcre\u00e7leri ve belgeleme gereklilikleri<\/li>\n<li><strong>\u0130\u015flem \u0130zleme:<\/strong> Kural tabanl\u0131 ve davran\u0131\u015fsal analiz i\u00e7eren i\u015flem izleme sistemi; uyar\u0131 y\u00f6netim prosed\u00fcrleri<\/li>\n<li><strong>Yapt\u0131r\u0131m Listesi Taramas\u0131:<\/strong> OFAC, BM, AB ve T\u00fcrkiye yapt\u0131r\u0131m listelerine kar\u015f\u0131 ger\u00e7ek zamanl\u0131 tarama mekanizmas\u0131<\/li>\n<li><strong>E\u011fitim Plan\u0131:<\/strong> T\u00fcm personel i\u00e7in AML\/CFT e\u011fitim m\u00fcfredat\u0131 ve periyodik yenileme plan\u0131<\/li>\n<li><strong>Uyum Sorumlusu:<\/strong> Tam zamanl\u0131, ba\u011f\u0131ms\u0131z ve ilgili niteliklere sahip uyum sorumlusunun atanmas\u0131 ve g\u00f6rev tan\u0131m\u0131<\/li>\n<\/ul>\n<p>Dan\u0131\u015fmanl\u0131k verdi\u011fimiz dosyalarda, uyum program\u0131n\u0131n en zay\u0131f bile\u015feninin genellikle i\u015flem izleme sistemi oldu\u011funu g\u00f6zlemliyoruz. Sekt\u00f6rde kullan\u0131lan ticari AML yaz\u0131l\u0131mlar\u0131ndan (Chainalysis KYT, Elliptic, Crystal Blockchain gibi ara\u00e7lar) yararlan\u0131lmas\u0131 hem teknik yeterlili\u011fi hem de denetim g\u00fcvenilirli\u011fini art\u0131rmaktad\u0131r.<\/p>\n<p><!-- B\u00d6L\u00dcM 11: SAKLAMA --><\/p>\n<h2 id=\"saklama\"><span class=\"ez-toc-section\" id=\"Saklama_Kurulusu_Sozlesmesi_ve_Entegrasyonu\"><\/span>Saklama Kurulu\u015fu S\u00f6zle\u015fmesi ve Entegrasyonu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kripto varl\u0131k platformlar\u0131n\u0131n m\u00fc\u015fteri varl\u0131klar\u0131n\u0131 kendi b\u00fcnyelerinde tutmalar\u0131 yasaklanm\u0131\u015ft\u0131r. M\u00fc\u015fteri kripto varl\u0131klar\u0131, SPK lisansl\u0131 bir saklama kurulu\u015fu nezdinde muhafaza edilmek zorundad\u0131r. Saklama entegrasyonu, hem teknik hem de hukuki boyutlar\u0131 olan kritik bir gereklilik olup ba\u015fvurunun en zorlu bile\u015fenlerinden birini olu\u015fturmaktad\u0131r.<\/p>\n<div class=\"dfh-alert dfh-alert-warn\"><b>Kritik Tarih:<\/b> Mevcut kripto varl\u0131k platformlar\u0131n\u0131n SPK lisansl\u0131 bir saklama kurulu\u015fuyla s\u00f6zle\u015fme imzalamas\u0131 i\u00e7in son tarih 31 Mart 2026 olarak belirlenmi\u015ftir. Yeni ba\u015fvurularda saklama kurulu\u015fuyla imzalanm\u0131\u015f veya ileri tarihli taslak s\u00f6zle\u015fmenin ba\u015fvuru dosyas\u0131nda bulunmas\u0131 gerekmektedir.<\/div>\n<p>Saklama entegrasyonunda teknik gereklilikler \u015funlard\u0131r: m\u00fc\u015fteri varl\u0131klar\u0131n\u0131n platforma ait varl\u0131klardan ayr\u0131 tutulmas\u0131 (segregasyon), varl\u0131k sahipli\u011fini kan\u0131tlayan kriptografik rezerv kan\u0131t\u0131 mekanizmas\u0131, ger\u00e7ek zamanl\u0131 bakiye mutabakat sistemi ve hot\/cold wallet oranlar\u0131n\u0131n SPK&#8217;n\u0131n belirledi\u011fi s\u0131n\u0131rlar dahilinde y\u00f6netilmesi.<\/p>\n<p>Saklama kurulu\u015fuyla imzalanacak hizmet s\u00f6zle\u015fmesinin; hizmet d\u00fczeyi anla\u015fmas\u0131 (SLA), operasyonel s\u00fcre\u00e7ler, \u00fccret yap\u0131s\u0131, acil durum prosed\u00fcrleri ve varl\u0131k iadesi s\u00fcre\u00e7lerini kapsaml\u0131 bi\u00e7imde d\u00fczenlemesi, hem reg\u00fclatuvar hem de m\u00fc\u015fteri koruma perspektifinden b\u00fcy\u00fck \u00f6nem ta\u015f\u0131maktad\u0131r.<\/p>\n<p><!-- B\u00d6L\u00dcM 12: M\u00dc\u015eTER\u0130 S\u00d6ZLE\u015eMES\u0130 VE KVKK --><\/p>\n<h2 id=\"musteri-sozlesme\"><span class=\"ez-toc-section\" id=\"Musteri_Sozlesmeleri_Aydinlatma_ve_KVKK\"><\/span>M\u00fc\u015fteri S\u00f6zle\u015fmeleri, Ayd\u0131nlatma ve KVKK<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SPK mevzuat\u0131, KVHS&#8217;lerin m\u00fc\u015fterileriyle imzalayaca\u011f\u0131 s\u00f6zle\u015fmeler ve yapaca\u011f\u0131 a\u00e7\u0131klamalar konusunda kapsaml\u0131 standartlar belirlemi\u015ftir. M\u00fc\u015fteri s\u00f6zle\u015fmesinin SPK standartlar\u0131na uygun haz\u0131rlanmamas\u0131 lisans ask\u0131ya al\u0131m\u0131na neden olabilecek bir uyum eksikli\u011fi olarak de\u011ferlendirilmektedir.<\/p>\n<ul class=\"dfh-checklist\">\n<li><strong>Kullan\u0131c\u0131 s\u00f6zle\u015fmesi:<\/strong> Platform kurallar\u0131, \u00fccret yap\u0131s\u0131, \u00e7ekim prosed\u00fcrleri, hesap dondurma ko\u015fullar\u0131 ve uyu\u015fmazl\u0131k \u00e7\u00f6z\u00fcm mekanizmalar\u0131n\u0131 i\u00e7ermelidir.<\/li>\n<li><strong>Risk a\u00e7\u0131klama formu:<\/strong> Kripto varl\u0131k yat\u0131r\u0131mlar\u0131na \u00f6zg\u00fc riskler, fiyat oynakl\u0131\u011f\u0131, platform riskleri ve mevzuat de\u011fi\u015fiklikleri a\u00e7\u0131k\u00e7a belirtilmelidir.<\/li>\n<li><strong>Ayd\u0131nlatma metni:<\/strong> M\u00fc\u015fterinin anla\u015f\u0131l\u0131r, sade bir dille platform i\u015fleyi\u015fi hakk\u0131nda bilgilendirilmesini sa\u011flamal\u0131d\u0131r.<\/li>\n<li><strong>KVKK uyum belgeleri:<\/strong> Ki\u015fisel verilerin i\u015flenmesine ili\u015fkin a\u00e7\u0131k r\u0131za metni, veri i\u015fleme politikas\u0131 ve veri ihlali prosed\u00fcrleri haz\u0131rlanmal\u0131d\u0131r.<\/li>\n<li><strong>Reklam ve pazarlama kurallar\u0131na uyum:<\/strong> SPK, KVHS&#8217;lerin reklam i\u00e7eriklerini k\u0131s\u0131tlamaktad\u0131r; s\u00f6zle\u015fme ve tan\u0131t\u0131m materyallerinde garanti getiri, risk uyar\u0131s\u0131 eksikli\u011fi veya yan\u0131lt\u0131c\u0131 kar\u015f\u0131la\u015ft\u0131rmalar yer alamaz.<\/li>\n<\/ul>\n<p><!-- B\u00d6L\u00dcM 13: S\u00dcRE\u00c7 HAR\u0130TASI --><\/p>\n<h2 id=\"surec\"><span class=\"ez-toc-section\" id=\"Basvurudan_Faaliyet_Iznine_Surec_Haritasi\"><\/span>Ba\u015fvurudan Faaliyet \u0130znine: S\u00fcre\u00e7 Haritas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>KVHS lisanslama s\u00fcreci birbirini izleyen iki ana a\u015famadan olu\u015fmaktad\u0131r: kurulu\u015f izni ve faaliyet izni. Bu iki a\u015faman\u0131n toplam s\u00fcresi eksiksiz bir ba\u015fvuru dosyas\u0131yla ortalama 6 ila 12 ay aras\u0131nda de\u011fi\u015fmektedir.<\/p>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>A\u015fama<\/th>\n<th>\u0130\u00e7erik<\/th>\n<th>Tahmini S\u00fcre<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u00d6n Haz\u0131rl\u0131k<\/strong><\/td>\n<td>\u015eirket kurulu\u015fu, sermaye blokesi, teknik altyap\u0131 kurulumu, uyum program\u0131 haz\u0131rl\u0131\u011f\u0131<\/td>\n<td>3\u20136 ay<\/td>\n<\/tr>\n<tr>\n<td><strong>Kurulu\u015f \u0130zni Ba\u015fvurusu<\/strong><\/td>\n<td>T\u00fcm belge ve raporlarla birlikte SPK&#8217;ya tam ba\u015fvuru dosyas\u0131n\u0131n iletilmesi<\/td>\n<td>Ba\u015fvuru g\u00fcn\u00fc<\/td>\n<\/tr>\n<tr>\n<td><strong>SPK \u00d6n \u0130ncelemesi<\/strong><\/td>\n<td>Eksik belge bildirimi ve tamamlama s\u00fcreci; bu a\u015famada SPK ek bilgi talep edebilir<\/td>\n<td>4\u20138 hafta<\/td>\n<\/tr>\n<tr>\n<td><strong>SPK Teknik \u0130ncelemesi<\/strong><\/td>\n<td>Bilgi sistemleri raporu, siber g\u00fcvenlik belgesi ve MASAK uyum program\u0131n\u0131n teknik incelemesi<\/td>\n<td>6\u201312 hafta<\/td>\n<\/tr>\n<tr>\n<td><strong>Kurulu\u015f \u0130zni Karar\u0131<\/strong><\/td>\n<td>SPK Kurulu karar\u0131yla kurulu\u015f izni verilmesi ya da red karar\u0131<\/td>\n<td>2\u20134 hafta<\/td>\n<\/tr>\n<tr>\n<td><strong>Faaliyet \u0130zni Haz\u0131rl\u0131k<\/strong><\/td>\n<td>Teknik altyap\u0131n\u0131n canl\u0131ya ge\u00e7i\u015f testleri, personel i\u015fe al\u0131m\u0131, saklama s\u00f6zle\u015fmesi imzas\u0131<\/td>\n<td>3\u20136 ay (izin s\u00fcresi)<\/td>\n<\/tr>\n<tr>\n<td><strong>Faaliyet \u0130zni Ba\u015fvurusu<\/strong><\/td>\n<td>Kurulu\u015f iznini izleyen 6 ay i\u00e7inde yap\u0131lmal\u0131; gecikme izin iptaline neden olabilir<\/td>\n<td>6 ay s\u0131n\u0131r\u0131<\/td>\n<\/tr>\n<tr>\n<td><strong>Faaliyet \u0130zni ve KVHS Listesi<\/strong><\/td>\n<td>SPK taraf\u0131ndan onaylanan platform KVHS listesine al\u0131n\u0131r ve faaliyete ba\u015flar<\/td>\n<td>2\u20134 hafta<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"dfh-blockquote\">\n<p>&#8220;KVHS lisanslama s\u00fcrecinde s\u0131kl\u0131kla g\u00f6zlemledi\u011fimiz bir dinamik \u015fudur: ba\u015fvuru dosyas\u0131 haz\u0131rlamaktan kurtulmak amac\u0131yla ba\u015fvuru s\u00fcrecine ge\u00e7 giriliyor ve b\u00fcy\u00fck miktarda kaynak harcand\u0131ktan sonra teknik eksiklik ya da uyum bo\u015flu\u011fu nedeniyle dosya iade ediliyor. Erken dan\u0131\u015fmanl\u0131k almak ve ba\u015fvuruyu bir kez, do\u011fru \u015fekilde yapmak; yeniden haz\u0131rlamak zorunda kalmaktan \u00e7ok daha maliyet etkin bir yakla\u015f\u0131md\u0131r.&#8221;<\/p>\n<p><em>\u2014 Av. Ahmet Karaca, DeFi Hukuk B\u00fcrosu<\/em><\/p>\n<\/div>\n<p><!-- B\u00d6L\u00dcM 14: 2026 TAKV\u0130M --><\/p>\n<h2 id=\"takvim\"><span class=\"ez-toc-section\" id=\"2026_Kritik_Takvim_ve_Onemli_Tarihler\"><\/span>2026 Kritik Takvim ve \u00d6nemli Tarihler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"dfh-timeline\">\n<div class=\"dfh-tl-item\">\n<div class=\"dfh-tl-dot\"><\/div>\n<div class=\"dfh-tl-body\">\n<p class=\"dfh-tl-date\">13 Mart 2025 \u2014 III-35\/B.1 ve III-35\/B.2 Tebli\u011fleri<\/p>\n<p>SPK&#8217;n\u0131n temel KVHS ikincil d\u00fczenlemeleri Resmi Gazete&#8217;de yay\u0131mland\u0131 (R.G. 32840). T\u00fcm KVHS ba\u015fvurular\u0131 bu tebli\u011fler \u00e7er\u00e7evesinde de\u011ferlendirilmektedir.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-tl-item\">\n<div class=\"dfh-tl-dot\"><\/div>\n<div class=\"dfh-tl-body\">\n<p class=\"dfh-tl-date\">2025\/68 SPK B\u00fclteni \u2014 Sermaye G\u00fcncelleme<\/p>\n<p>%25,49 yeniden de\u011ferleme oran\u0131yla sermaye tutarlar\u0131 g\u00fcncellendi: platform 250.000.000 TL, saklama kurulu\u015fu 630.000.000 TL.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-tl-item\">\n<div class=\"dfh-tl-dot\"><\/div>\n<div class=\"dfh-tl-body\">\n<p class=\"dfh-tl-date\">30 Eyl\u00fcl 2025 \u2014 Bilgi Sistemleri Denetim Raporu Zorunlulu\u011fu<\/p>\n<p>Bu tarihten sonra yap\u0131lan ba\u015fvurulara bilgi sistemleri denetim raporunun eklenmesi zorunlu h\u00e2le getirildi.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-tl-item\">\n<div class=\"dfh-tl-dot\"><\/div>\n<div class=\"dfh-tl-body\">\n<p class=\"dfh-tl-date\">27 Mart 2026 \u2014 SPK Yetki Belgesi S\u00fcre Uzat\u0131m\u0131<\/p>\n<p>SPK Kurulu karar\u0131yla ge\u00e7i\u015f d\u00f6nemindeki mevcut platformlar\u0131n yetki belgesi s\u00fcresi uzat\u0131ld\u0131.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-tl-item\">\n<div class=\"dfh-tl-dot\"><\/div>\n<div class=\"dfh-tl-body\">\n<p class=\"dfh-tl-date\">31 Mart 2026 \u2014 Saklama S\u00f6zle\u015fmesi Son Tarihi<\/p>\n<p>Mevcut platformlar\u0131n SPK lisansl\u0131 saklama kurulu\u015fuyla s\u00f6zle\u015fme imzalamas\u0131 i\u00e7in belirlenen son tarih. Bu tarihe uyumsuzluk do\u011frudan yapt\u0131r\u0131m riski olu\u015fturmaktad\u0131r.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"dfh-alert dfh-alert-warn\"><b>2026 Yol Haritas\u0131:<\/b> T\u00fcrkiye, kripto varl\u0131k d\u00fczenlemelerini AB&#8217;nin MiCA \u00e7er\u00e7evesiyle uyumlu h\u00e2le getirme s\u00fcrecindedir. 2026-2027 d\u00f6neminde ek tebli\u011fler ve sermaye g\u00fcncellemelerinin gelmesi beklenmektedir. Bu nedenle KVHS uyum programlar\u0131n\u0131n dinamik ve g\u00fcncellenebilir bi\u00e7imde tasarlanmas\u0131 kritik \u00f6nem ta\u015f\u0131maktad\u0131r.<\/div>\n<p><!-- B\u00d6L\u00dcM 15: L\u0130SANSSIZ FAAL\u0130YET CEZALARI --><\/p>\n<h2 id=\"ceza\"><span class=\"ez-toc-section\" id=\"Lisanssiz_Faaliyet_Hukuki_Sonuclar_ve_Cezalar\"><\/span>Lisanss\u0131z Faaliyet: Hukuki Sonu\u00e7lar ve Cezalar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SPK lisans\u0131 olmadan kripto varl\u0131k hizmeti sunmak T\u00fcrkiye&#8217;de son derece a\u011f\u0131r hukuki sonu\u00e7lar do\u011furmaktad\u0131r. 7518 say\u0131l\u0131 Kanun ve SPKn&#8217;daki de\u011fi\u015fiklikler, bu alandaki yapt\u0131r\u0131m \u00e7er\u00e7evesini \u00f6nemli \u00f6l\u00e7\u00fcde sertle\u015ftirmi\u015ftir.<\/p>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>Yapt\u0131r\u0131m T\u00fcr\u00fc<\/th>\n<th>Kapsam ve Miktar<\/th>\n<th>Yasal Dayanak<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Hapis Cezas\u0131<\/strong><\/td>\n<td>3 ila 5 y\u0131l (a\u011f\u0131rla\u015ft\u0131r\u0131c\u0131 ko\u015fullarda artabilir)<\/td>\n<td>SPKn m.109\/A<\/td>\n<\/tr>\n<tr>\n<td><strong>Adli Para Cezas\u0131<\/strong><\/td>\n<td>5.000 ila 10.000 g\u00fcn adli para cezas\u0131<\/td>\n<td>SPKn m.109\/A<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0130dari Para Cezas\u0131<\/strong><\/td>\n<td>SPK taraf\u0131ndan belirlenen miktarlarda idari yapt\u0131r\u0131m<\/td>\n<td>SPKn m.99\/A<\/td>\n<\/tr>\n<tr>\n<td><strong>Platform Kapatma<\/strong><\/td>\n<td>BTK \u00fczerinden eri\u015fim engeli karar\u0131<\/td>\n<td>5651 say\u0131l\u0131 Kanun<\/td>\n<\/tr>\n<tr>\n<td><strong>Varl\u0131k Dondurma<\/strong><\/td>\n<td>Su\u00e7 geliri kapsam\u0131nda de\u011ferlendirilen kripto varl\u0131klara el koyma<\/td>\n<td>TCK m.55, CMK m.128<\/td>\n<\/tr>\n<tr>\n<td><strong>Lisans \u0130ptali (Lisansl\u0131 Platformlar)<\/strong><\/td>\n<td>Uyum ihlallerinde lisans\u0131n ask\u0131ya al\u0131nmas\u0131 veya iptali<\/td>\n<td>SPKn m.35\/C<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u00d6nemle vurgulanmas\u0131 gereken husus \u015fudur: yapt\u0131r\u0131m yaln\u0131zca platformu i\u015fletenlerle s\u0131n\u0131rl\u0131 de\u011fildir. Y\u00f6netim kurulu \u00fcyeleri, uyum sorumlular\u0131 ve fiili i\u015fletimde g\u00f6rev \u00fcstlenen ki\u015filer de bireysel olarak yapt\u0131r\u0131mla kar\u015f\u0131la\u015fabilir. Bu nedenle KVHS b\u00fcnyesinde g\u00f6rev alan herkesin ki\u015fisel hukuki sorumlulu\u011funun bilincinde olmas\u0131 gerekmektedir.<\/p>\n<p><!-- B\u00d6L\u00dcM 16: EN SIK YAPILAN HATALAR --><\/p>\n<h2 id=\"hatalar\"><span class=\"ez-toc-section\" id=\"Basvurularda_En_Sik_Yapilan_7_Hata\"><\/span>Ba\u015fvurularda En S\u0131k Yap\u0131lan 7 Hata<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Y\u00fcr\u00fctt\u00fc\u011f\u00fcm\u00fcz KVHS dan\u0131\u015fmanl\u0131k dosyalar\u0131nda ba\u015fvurular\u0131n iade edilmesine ya da reddedilmesine en s\u0131k neden olan hatalar \u015funlard\u0131r:<\/p>\n<ol>\n<li><strong>Eski sermaye tutarlar\u0131yla ba\u015fvuru yapmak:<\/strong> 2025\/68 say\u0131l\u0131 b\u00fclten \u00f6ncesindeki tutarlara (50.000.000 TL gibi) dayanan projeksiyonlarla haz\u0131rlanan dosyalar derhal iade edilmektedir.<\/li>\n<li><strong>Hizmet kapsam\u0131n\u0131 belirsiz b\u0131rakmak:<\/strong> Sunulacak hizmetlerin net olarak tan\u0131mlanmamas\u0131, hem sermaye hesaplamas\u0131n\u0131 hem de teknik altyap\u0131 gerekliliklerini hatal\u0131 belirler.<\/li>\n<li><strong>Bilgi sistemleri raporunu eksik haz\u0131rlamak:<\/strong> Yaln\u0131zca teknik mimari diyagram\u0131 i\u00e7eren, ancak operasyon s\u00fcreklili\u011fi, yedekleme ve g\u00fcvenlik protokollerini kapsamayan raporlar inceleme a\u015famas\u0131nda iade edilmektedir.<\/li>\n<li><strong>MASAK uyum program\u0131n\u0131 teorik d\u00fczeyde b\u0131rakmak:<\/strong> Pratikte uygulanamayan, i\u015flem izleme sistemleriyle entegre olmayan uyum programlar\u0131 denetimde yetersiz bulunmaktad\u0131r.<\/li>\n<li><strong>Saklama s\u00f6zle\u015fmesini atlamak:<\/strong> M\u00fc\u015fteri varl\u0131klar\u0131n\u0131n nas\u0131l korunaca\u011f\u0131na ili\u015fkin somut bir saklama entegrasyon plan\u0131 ve s\u00f6zle\u015fme olmadan yap\u0131lan ba\u015fvurular tamamlanmadan bekletilmektedir.<\/li>\n<li><strong>Y\u00f6netici belgelerini eksik sunmak:<\/strong> T\u00fcm y\u00f6netim kurulu \u00fcyelerine ait \u00f6zge\u00e7mi\u015f, adli sicil ve beyan formlar\u0131n\u0131n eksiksiz sunulmamas\u0131 s\u0131k\u00e7a kar\u015f\u0131la\u015f\u0131lan bir eksikliktir.<\/li>\n<li><strong>M\u00fc\u015fteri s\u00f6zle\u015fmesini standart bir \u015fablonla haz\u0131rlamak:<\/strong> SPK&#8217;n\u0131n belirledi\u011fi zorunlu unsurlar\u0131 i\u00e7ermeyen, kripto varl\u0131k hizmetlerine \u00f6zg\u00fc olmayan kullan\u0131c\u0131 s\u00f6zle\u015fmeleri red gerek\u00e7esi olu\u015fturmaktad\u0131r.<\/li>\n<\/ol>\n<p><!-- B\u00d6L\u00dcM 17: SSS --><\/p>\n<h2 id=\"sss\"><span class=\"ez-toc-section\" id=\"Sikca_Sorulan_Sorular_SSS\"><\/span>S\u0131k\u00e7a Sorulan Sorular (SSS)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Kripto varl\u0131k platformu kurmak i\u00e7in ne kadar sermaye gerekir?<\/p>\n<p class=\"dfh-faq-a\">2026 y\u0131l\u0131 itibar\u0131yla kripto varl\u0131k al\u0131m sat\u0131m platformu i\u00e7in 250.000.000 TL, saklama kurulu\u015fu i\u00e7in 630.000.000 TL \u00f6denmi\u015f sermaye zorunludur. Bu tutarlar SPK&#8217;n\u0131n 2025\/68 say\u0131l\u0131 b\u00fclteniyle %25,49 yeniden de\u011ferleme oran\u0131 uygulanarak g\u00fcncellenmi\u015ftir. Sermaye yaln\u0131zca ba\u015fvuruda de\u011fil, faaliyetin t\u00fcm s\u00fcresince korunmal\u0131d\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">SPK kripto lisans ba\u015fvurusu ne kadar s\u00fcrer?<\/p>\n<p class=\"dfh-faq-a\">Eksiksiz bir ba\u015fvuru dosyas\u0131yla ortalama 6 ila 12 ay. Kurulu\u015f izninin ard\u0131ndan faaliyet iznine ge\u00e7i\u015f i\u00e7in 6 ay (uzatma dahil maksimum 1 y\u0131l) tan\u0131nmaktad\u0131r. Eksik veya hatal\u0131 dosyalarda bu s\u00fcre \u00f6nemli \u00f6l\u00e7\u00fcde uzayabilir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">SPK lisans\u0131 olmadan kripto varl\u0131k hizmeti sunulabilir mi?<\/p>\n<p class=\"dfh-faq-a\">Hay\u0131r. SPKn m.109\/A kapsam\u0131nda lisanss\u0131z faaliyet i\u00e7in 3 ila 5 y\u0131l hapis cezas\u0131 ve 5.000 ila 10.000 g\u00fcn adli para cezas\u0131 \u00f6ng\u00f6r\u00fclmektedir. Platforma eri\u015fim engeli ve varl\u0131k dondurma karar\u0131 da g\u00fcndeme gelebilir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Yabanc\u0131 ortakl\u0131 KVHS ba\u015fvurusu yap\u0131labilir mi?<\/p>\n<p class=\"dfh-faq-a\">Evet. Yabanc\u0131 ortakl\u0131k yap\u0131s\u0131 m\u00fcmk\u00fcnd\u00fcr; ancak yabanc\u0131 ortaklar\u0131n T\u00fcrk kurucu ve ortaklarla ayn\u0131 d\u00fcr\u00fcstl\u00fck, mali yeterlilik ve itibar \u015fartlar\u0131n\u0131 ta\u015f\u0131mas\u0131 zorunludur. Ortakl\u0131k yap\u0131s\u0131n\u0131n \u015feffaf ve nihai h\u00e2kim orta\u011f\u0131n tespit edilebilir olmas\u0131 gerekmektedir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">SPK ba\u015fvurusu reddedilirse tekrar ba\u015fvuru yap\u0131labilir mi?<\/p>\n<p class=\"dfh-faq-a\">Evet. Red karar\u0131na itiraz yolu a\u00e7\u0131kt\u0131r ve eksikliklerin giderilerek yeniden ba\u015fvuru yap\u0131labilir. Ancak red karar\u0131 alan bir ba\u015fvuru sahibi, reddedilen gerek\u00e7elerin tamam\u0131n\u0131 gidermeden yeniden ba\u015fvurmamal\u0131d\u0131r; aksi h\u00e2lde ikinci ba\u015fvuru da ayn\u0131 gerek\u00e7eyle reddedilebilir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Platform m\u00fc\u015fteri kripto varl\u0131klar\u0131n\u0131 kendi b\u00fcnyesinde tutabilir mi?<\/p>\n<p class=\"dfh-faq-a\">Hay\u0131r. M\u00fc\u015fteri kripto varl\u0131klar\u0131n\u0131n platformun kendi varl\u0131klar\u0131ndan ayr\u0131 tutulmas\u0131 ve SPK lisansl\u0131 bir saklama kurulu\u015fu nezdinde muhafaza edilmesi zorunludur. Bu y\u00fck\u00fcml\u00fcl\u00fc\u011fe uymayan platformlar lisans ask\u0131ya al\u0131m\u0131 riskiyle kar\u015f\u0131 kar\u015f\u0131ya kal\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">KVHS ba\u015fvurusu i\u00e7in profesyonel dan\u0131\u015fmanl\u0131k zorunlu mu?<\/p>\n<p class=\"dfh-faq-a\">Yasal olarak zorunlu de\u011fildir; ancak ba\u015fvuru dosyas\u0131n\u0131n kapsam\u0131 ve karma\u015f\u0131kl\u0131\u011f\u0131 g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda son derece kritik bir pratik gereklilik olarak de\u011ferlendirilmelidir. Bilgi sistemleri raporu, MASAK uyum program\u0131, saklama entegrasyonu ve hukuki belgeler her biri ayr\u0131 uzmanl\u0131k gerektiren bile\u015fenlerdir. Ba\u015fvurular\u0131n \u00f6nemli bir k\u0131sm\u0131, uyum ve teknik bo\u015fluklar nedeniyle birden fazla kez iade edilmekte; bu durum hem maliyeti hem de s\u00fcreyi katlamaktad\u0131r.<\/p>\n<\/div>\n<p><!-- SONU\u00c7 --><\/p>\n<h2 id=\"sonuc\"><span class=\"ez-toc-section\" id=\"Sonuc_ve_Danismanlik\"><\/span>Sonu\u00e7 ve Dan\u0131\u015fmanl\u0131k<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u00fcrkiye&#8217;de kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 lisans\u0131 almak, 2026 itibar\u0131yla ciddi bir sermaye taahh\u00fcd\u00fcn\u00fc (250-630 milyon TL), kapsaml\u0131 bir teknik altyap\u0131y\u0131, eksiksiz bir MASAK uyum program\u0131n\u0131 ve t\u00fcm bile\u015fenlerin birbiriyle tutarl\u0131 bi\u00e7imde bir araya getirildi\u011fi bir ba\u015fvuru dosyas\u0131n\u0131 gerektirmektedir. S\u00fcre\u00e7 zorlu olmakla birlikte, T\u00fcrkiye&#8217;nin kripto ekosisteminde lisansl\u0131 bir akt\u00f6r olarak yer almak; yat\u0131r\u0131mc\u0131 g\u00fcveni, kurumsal i\u015f birlikleri ve uzun vadeli s\u00fcrd\u00fcr\u00fclebilirlik a\u00e7\u0131s\u0131ndan tart\u0131\u015fmas\u0131z bir rekabet avantaj\u0131 sa\u011flamaktad\u0131r.<\/p>\n<p>DeFi Hukuk B\u00fcrosu olarak KVHS dan\u0131\u015fmanl\u0131k s\u00fcre\u00e7lerinde; i\u015f modeli ve hizmet kapsam\u0131 belirleme, ba\u015fvuru dosyas\u0131n\u0131n t\u00fcm bile\u015fenleriyle haz\u0131rlanmas\u0131, bilgi sistemleri ve siber g\u00fcvenlik denetim koordinasyonu, MASAK uyum program\u0131n\u0131n tasarlanmas\u0131 ve SPK s\u00fcrecinin y\u00f6netilmesi konular\u0131nda b\u00fct\u00fcnsel destek sunmaktay\u0131z.<\/p>\n<p>KVHS kurulumu ve SPK lisanslama s\u00fcrecine ili\u015fkin dan\u0131\u015fmanl\u0131k almak i\u00e7in Av. Ahmet Karaca ve ekibine <strong>0531 336 09 81<\/strong> numaral\u0131 hattan ula\u015fabilirsiniz.<\/p>\n<hr class=\"dfh-divider\" \/>\n<p><!-- YAZAR BLOGU --><\/p>\n<div class=\"dfh-author\">\n<div class=\"dfh-author-header\">\n<div class=\"dfh-author-info\">\n<p class=\"dfh-author-name\">Av. Ahmet Karaca<\/p>\n<p class=\"dfh-author-title\">Kripto Para Hukuku ve Bili\u015fim Hukuku Uzman\u0131 | \u0130stanbul Barosu<\/p>\n<p class=\"dfh-author-bar\">TBB Sicil No: 234456 \u00a0|\u00a0 Baro Sicil No: 92414 \u00a0|\u00a0 \u0130stanbul Barosu<\/p>\n<\/div>\n<\/div>\n<p class=\"dfh-author-bio\">Bu makale, \u0130stanbul Barosu&#8217;na kay\u0131tl\u0131 (Sicil No: 92414), T\u00fcrkiye Barolar Birli\u011fi Sicil No 234456 numaral\u0131 ruhsata sahip Av. Ahmet Karaca taraf\u0131ndan kaleme al\u0131nm\u0131\u015ft\u0131r. Marmara \u00dcniversitesi Hukuk Fak\u00fcltesi&#8217;nden onur derecesiyle mezun olan Karaca, kripto para hukuku, blockchain hukuku ve bili\u015fim hukuku alanlar\u0131nda T\u00fcrkiye&#8217;nin \u00f6nc\u00fc uzmanlar\u0131ndan biridir. KVHS kurulu\u015f ve SPK lisanslama dan\u0131\u015fmanl\u0131\u011f\u0131 alan\u0131nda y\u00fcr\u00fctt\u00fc\u011f\u00fc dosyalar kapsam\u0131nda i\u015f plan\u0131 haz\u0131rl\u0131\u011f\u0131ndan MASAK uyum program\u0131na, bilgi sistemleri raporu koordinasyonundan saklama entegrasyonuna kadar t\u00fcm s\u00fcreci birden fazla ba\u015fvuruda bizzat y\u00f6netmi\u015ftir. Duke University (DeFi Primitives), Politecnico di Milano (AI and Legal Issues) ve Lund University (AI &amp; Law) sertifika programlar\u0131n\u0131 tamamlayan Karaca, Haberler.com&#8217;da &#8220;Bili\u015fim Avukat\u0131 | Kripto Para Avukat\u0131&#8221; k\u00f6\u015fesiyle yaz\u0131lar kaleme almaktad\u0131r.<\/p>\n<div class=\"dfh-author-creds\"><span class=\"dfh-cred\">Marmara \u00dcniversitesi Hukuk \u2014 Onur Derecesi<\/span><br \/>\n<span class=\"dfh-cred\">DeFi Primitives \u2014 Duke University<\/span><br \/>\n<span class=\"dfh-cred\">AI &amp; Legal Issues \u2014 Politecnico di Milano<\/span><br \/>\n<span class=\"dfh-cred\">AI &amp; Law \u2014 Lund University<\/span><br \/>\n<span class=\"dfh-cred\">UNICEF &amp; Habitat \u2014 Sertifikal\u0131 E\u011fitmen<\/span><br \/>\n<span class=\"dfh-cred\">Udemy \u2014 Blockchain ve Kripto Para Hukuku<\/span><br \/>\n<span class=\"dfh-cred\">Haberler.com K\u00f6\u015fe Yazar\u0131<\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>H\u0131zl\u0131 Cevap: Kripto Varl\u0131k Platformu KVHS Kurulumu ve SPK Lisanslama Kripto varl\u0131k platformu kurmak i\u00e7in ne kadar sermaye gerekir? 2026 itibar\u0131yla platform i\u00e7in 250.000.000 TL, saklama kurulu\u015fu i\u00e7in 630.000.000 TL \u00f6denmi\u015f sermaye zorunludur (SPK 2025\/68 b\u00fclteniyle g\u00fcncellenmi\u015f tutarlar). SPK KVHS lisans s\u00fcreci ne kadar s\u00fcrer? Eksiksiz bir ba\u015fvuru dosyas\u0131yla ortalama 6 ila 12 ay. Kurulu\u015f izninin ard\u0131ndan faaliyet iznine ge\u00e7i\u015f [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6530,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kripto Varl\u0131k Platformu (KVHS) Kurulumu ve SPK Lisanslama S\u00fcreci 2026<\/title>\n<meta name=\"description\" content=\"T\u00fcrkiye&#039;de KVHS nas\u0131l kurulur? 2026 g\u00fcncel sermaye \u015fartlar\u0131 (250M-630M TL), SPK ba\u015fvuru dosyas\u0131 ad\u0131m ad\u0131m, MASAK uyumu, T\u00dcB\u0130TAK kriterleri ve 6-12 ayl\u0131k lisans s\u00fcreci rehberi. Av. Ahmet Karaca - DeFi Hukuk B\u00fcrosu, \u0130stanbul.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/defihukuk.com\/en\/kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kripto Varl\u0131k Platformu (KVHS) Kurulumu ve SPK Lisanslama S\u00fcreci 2026\" \/>\n<meta property=\"og:description\" content=\"T\u00fcrkiye&#039;de KVHS nas\u0131l kurulur? 2026 g\u00fcncel sermaye \u015fartlar\u0131 (250M-630M TL), SPK ba\u015fvuru dosyas\u0131 ad\u0131m ad\u0131m, MASAK uyumu, T\u00dcB\u0130TAK kriterleri ve 6-12 ayl\u0131k lisans s\u00fcreci rehberi. Av. 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Av. 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