{"id":7244,"date":"2026-08-12T08:58:12","date_gmt":"2026-08-12T08:58:12","guid":{"rendered":"https:\/\/defihukuk.com\/?p=7244"},"modified":"2026-08-12T12:50:50","modified_gmt":"2026-08-12T12:50:50","slug":"p2p-lisans-spk","status":"publish","type":"post","link":"https:\/\/defihukuk.com\/en\/p2p-lisans-spk\/","title":{"rendered":"P2P Lisans &#8211; SPK Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131 Lisans\u0131 2026"},"content":{"rendered":"<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/defihukuk.com\/p2p-lisans-spk\/#article\",\"headline\":\"P2P Lisans: SPK Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131 Lisans\u0131 2026\",\"description\":\"P2P i\u015flemi i\u00e7in lisans gerekir mi? Bireysel i\u015flem ile arac\u0131l\u0131k\/platform i\u015fletmecili\u011fi ayr\u0131m\u0131, 7518 say\u0131l\u0131 Kanun ve KVHS lisans \u015fartlar\u0131, 250 milyon TL sermaye (2026), SPK'n\u0131n 2024\/48 say\u0131l\u0131 B\u00fclten'deki P2P karar\u0131n\u0131n do\u011fru okunu\u015fu ve 8\/313 say\u0131l\u0131 kararla kald\u0131r\u0131lmas\u0131, izinsiz faaliyetin cezas\u0131 (3-5 y\u0131l). Av. Ahmet Karaca \u2014 DeFi Hukuk B\u00fcrosu.\",\"url\":\"https:\/\/defihukuk.com\/p2p-lisans-spk\/\",\"dateModified\":\"2026-08-06\",\"inLanguage\":\"tr\",\"author\":{\"@type\":\"Person\",\"name\":\"Av. Ahmet Karaca\",\"jobTitle\":\"Kripto Para Hukuku ve Sermaye Piyasas\u0131 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\",\"telephone\":\"+905313360981\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"So\u011fanl\u0131k Yeni Mahalle, Pegagaz Sokak, Kat:32 No:6A D:197\",\"addressLocality\":\"Kartal\",\"addressRegion\":\"\u0130stanbul\",\"postalCode\":\"34880\",\"addressCountry\":\"TR\"}},\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/defihukuk.com\/p2p-lisans-spk\/\"},\"speakable\":{\"@type\":\"SpeakableSpecification\",\"cssSelector\":[\".dfh-speakable\",\".dfh-ai-answer\"]}},{\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"P2P i\u015flemi yapmak i\u00e7in SPK lisans\u0131 gerekir mi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kendi hesab\u0131n\u0131za, kendi varl\u0131\u011f\u0131n\u0131zla bireysel P2P al\u0131m-sat\u0131m\u0131 yapmak i\u00e7in lisans gerekmez; bu, yat\u0131r\u0131m niteli\u011finde serbest bir faaliyettir. Lisans, kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 (KVHS) faaliyetleri i\u00e7in gerekir: platform i\u015fletmek, ba\u015fkalar\u0131 ad\u0131na al\u0131m-sat\u0131ma arac\u0131l\u0131k etmek, saklama hizmeti sunmak. Ba\u015fkalar\u0131n\u0131n paras\u0131yla\/paras\u0131 i\u00e7in komisyon kar\u015f\u0131l\u0131\u011f\u0131 d\u00fczenli P2P i\u015flemi yapmak, izinsiz KVHS faaliyeti riskini do\u011furur.\"}},{\"@type\":\"Question\",\"name\":\"Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131 (KVHS) lisans\u0131 \u015fartlar\u0131 nelerdir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"7518 say\u0131l\u0131 Kanunla 6362 say\u0131l\u0131 SPKn'a eklenen \u00e7er\u00e7evede: anonim \u015firket kurulu\u015fu, asgari sermaye \u015fart\u0131 (2026 itibar\u0131yla platformlar i\u00e7in 250 milyon TL, saklama kurulu\u015flar\u0131 i\u00e7in 630 milyon TL \u2014 SPK'n\u0131n 2025\/68 say\u0131l\u0131 B\u00fclteni ile yeniden de\u011ferlenen tutarlar; her y\u0131l g\u00fcncellenebilir), paylar\u0131n\u0131n nama yaz\u0131l\u0131 ve nakden \u00f6denmi\u015f olmas\u0131, ortak ve y\u00f6neticilerde aranan mali g\u00fc\u00e7\/itibar \u015fartlar\u0131, bilgi sistemleri ve i\u00e7 kontrol altyap\u0131s\u0131 ile SPK'dan kurulu\u015f ve faaliyet izinlerinin al\u0131nmas\u0131. S\u00fcre\u00e7 iki a\u015famal\u0131d\u0131r: kurulu\u015f izni ve ard\u0131ndan faaliyet izni.\"}},{\"@type\":\"Question\",\"name\":\"SPK lisans\u0131 olmadan P2P arac\u0131l\u0131\u011f\u0131 yapman\u0131n cezas\u0131 nedir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u0130zinsiz kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 faaliyeti, 7518 say\u0131l\u0131 Kanunla getirilen h\u00fck\u00fcmler uyar\u0131nca 3 y\u0131ldan 5 y\u0131la kadar hapis ve adli para cezas\u0131 yapt\u0131r\u0131m\u0131na tabidir. Ayr\u0131ca izinsiz faaliyet y\u00fcr\u00fcten platformlar\u0131n eri\u015fimi engellenebilir, ilgililer hakk\u0131nda su\u00e7 duyurusu yap\u0131l\u0131r ve MASAK boyutu (aklama \u015f\u00fcphesi) ayr\u0131ca devreye girebilir.\"}},{\"@type\":\"Question\",\"name\":\"SPK'n\u0131n 2024\/48 say\u0131l\u0131 B\u00fclten'deki karar\u0131 P2P'yi yasaklad\u0131 m\u0131?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\u0131r \u2014 piyasada dola\u015fan bu bilgi iki kez yanl\u0131\u015ft\u0131r. Birincisi: SPK'n\u0131n 19.09.2024 tarihli ve 1484 say\u0131l\u0131 ilke karar\u0131 (2024\/48 say\u0131l\u0131 B\u00fclten) P2P'yi yasaklamam\u0131\u015f; alt\u0131nc\u0131 maddesinde e\u015fler aras\u0131 dijital pazar yerlerinde 'kendi ad\u0131na fakat ba\u015fkas\u0131 hesab\u0131na' d\u00fczenli i\u015flem yapmay\u0131 izinsiz kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 saym\u0131\u015ft\u0131. Pazar yerini i\u015fletmek lisansa tabidir; o pazar yerlerinde ilan verip kendi hesab\u0131na al\u0131m-sat\u0131m yapmak hi\u00e7bir zaman lisansa tabi olmad\u0131. \u0130kincisi: karar\u0131n alt\u0131nc\u0131 maddesi de dahil bir k\u0131s\u0131m h\u00fckm\u00fc, Kurul'un 13.02.2025 tarihli ve 8\/313 say\u0131l\u0131 karar\u0131yla y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131ld\u0131. Kald\u0131r\u0131lma serbestle\u015fme de\u011fil, alan\u0131n III-35\/B tebli\u011flerine devridir: ba\u015fkas\u0131 hesab\u0131na d\u00fczenli i\u015flemin lisansa tabi oldu\u011fu \u00f6l\u00e7\u00fct tebli\u011f rejiminde aynen s\u00fcrmektedir.\"}},{\"@type\":\"Question\",\"name\":\"Binance, OKX gibi yurt d\u0131\u015f\u0131 platformlar T\u00fcrkiye'de lisansl\u0131 m\u0131?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yurt d\u0131\u015f\u0131 merkezli platformlar\u0131n T\u00fcrkiye'deki stat\u00fcs\u00fc, SPK'n\u0131n faaliyet izni verdi\u011fi kurulu\u015flar listesi \u00fczerinden takip edilir; listede olmayan platformlar T\u00fcrkiye'de izinli KVHS de\u011fildir. Kullan\u0131c\u0131 a\u00e7\u0131s\u0131ndan bu, i\u015flem yapman\u0131n su\u00e7 oldu\u011fu anlam\u0131na gelmez; ancak vergi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn tamamen kullan\u0131c\u0131da olmas\u0131, MASAK s\u00fcre\u00e7lerinde farkl\u0131 muamele ve uyu\u015fmazl\u0131kta muhatap bulma g\u00fc\u00e7l\u00fc\u011f\u00fc gibi pratik sonu\u00e7lar do\u011furur.\"}},{\"@type\":\"Question\",\"name\":\"Lisanss\u0131z d\u00fczenli P2P trader'l\u0131\u011f\u0131 ne zaman izinsiz arac\u0131l\u0131\u011fa d\u00f6n\u00fc\u015f\u00fcr?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u0131n\u0131r\u0131 belirleyen \u00fc\u00e7 i\u015faret: kendi varl\u0131\u011f\u0131n\u0131z yerine ba\u015fkalar\u0131n\u0131n varl\u0131\u011f\u0131\/paras\u0131 i\u00e7in i\u015flem yapmak, komisyon-\u00fccret kar\u015f\u0131l\u0131\u011f\u0131 \u00e7al\u0131\u015fmak ve faaliyeti organize-s\u00fcrekli bi\u00e7imde (ilan, m\u00fc\u015fteri portf\u00f6y\u00fc, ekip) y\u00fcr\u00fctmek. Bu \u00fc\u00e7\u00fc bir araya geldi\u011finde faaliyet, bireysel yat\u0131r\u0131m olmaktan \u00e7\u0131k\u0131p izinsiz KVHS faaliyeti g\u00f6r\u00fcn\u00fcm\u00fc kazan\u0131r ve 3-5 y\u0131l hapis riski do\u011far. Model kurulmadan \u00f6nce hukuki g\u00f6r\u00fc\u015f al\u0131nmas\u0131 kritik \u00f6nemdedir.\"}}]}]}<\/script><\/p>\n<style>@import url('https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600;700&display=swap');.dfh-wrap{width:100%;max-width:100%;font-family:'Poppins','Segoe UI',sans-serif!important;color:#000;font-size:1.12em;line-height:1.8;box-sizing:border-box}.dfh-wrap a{color:#000!important}.dfh-wrap .dfh-cta-btn{color:#fff!important}.dfh-speakable,.dfh-ai-answer{background:#f2f2f2;border-left:4px solid #000;padding:22px 26px;margin:28px 0}.dfh-speakable h3,.dfh-ai-answer h3{margin:0 0 10px 0;font-size:1.05em;font-weight:700}.dfh-speakable p,.dfh-ai-answer p{margin:0 0 8px 0}.dfh-speakable p:last-child,.dfh-ai-answer p:last-child{margin:0}.dfh-toc{background:#f7f7f7;border:1px solid #ddd;padding:22px 30px;margin:32px 0;width:100%;box-sizing:border-box}.dfh-toc-title{font-weight:700;font-size:1.08em;margin-bottom:14px;color:#000;border-bottom:2px solid 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34px;text-decoration:none !important;letter-spacing:.02em;border:2px solid #c00;transition:all .2s}.dfh-wrap .dfh-cta-btn:hover{background:#fff;color:#c00!important}.dfh-cta-btn.siyah{background:#000;border-color:#000}.dfh-wrap .dfh-cta-btn.siyah:hover{background:#fff;color:#000!important}.dfh-cta-alt{font-size:.85em;color:#555;margin-top:8px}.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 SNAPSHOT --><\/p>\n<div id=\"hizli-cevap\" class=\"dfh-speakable\">\n<h3>P2P Lisans: SPK Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131 Lisans\u0131 \u2014 2026<\/h3>\n<p><strong>Kendi hesab\u0131n\u0131za<\/strong> bireysel P2P al\u0131m-sat\u0131m\u0131 i\u00e7in lisans gerekmez. Lisans, <strong>kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 (KVHS)<\/strong> faaliyetleri i\u00e7in gerekir: platform i\u015fletmek, ba\u015fkalar\u0131 ad\u0131na al\u0131m-sat\u0131ma arac\u0131l\u0131k etmek veya saklama hizmeti sunmak. 7518 say\u0131l\u0131 Kanun \u00e7er\u00e7evesinde KVHS lisans\u0131n\u0131n temel \u015fartlar\u0131: anonim \u015firket kurulu\u015fu, asgari sermaye (2026 itibar\u0131yla platformlar i\u00e7in <strong>250 milyon TL<\/strong>, saklama kurulu\u015flar\u0131 i\u00e7in 630 milyon TL), ortak\/y\u00f6netici yeterlilikleri ve SPK&#8217;dan iki a\u015famal\u0131 izin (kurulu\u015f + faaliyet). \u0130zinsiz KVHS faaliyetinin yapt\u0131r\u0131m\u0131 <strong>3 y\u0131ldan 5 y\u0131la kadar hapis<\/strong> ve adli para cezas\u0131d\u0131r. Piyasada dola\u015fan &#8220;SPK P2P&#8217;yi yasaklad\u0131&#8221; bilgisi ise yanl\u0131\u015ft\u0131r: 2024\/48 say\u0131l\u0131 B\u00fclten&#8217;deki ilke karar\u0131 yaln\u0131zca pazar yeri i\u015fletmeyi ve &#8220;kendi ad\u0131na fakat ba\u015fkas\u0131 hesab\u0131na&#8221; d\u00fczenli i\u015flemi lisansa ba\u011flam\u0131\u015ft\u0131; bu karar da 13.02.2025 tarihli ve 8\/313 say\u0131l\u0131 Kurul karar\u0131yla y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131larak alan III-35\/B tebli\u011flerine devredilmi\u015ftir \u2014 \u00f6l\u00e7\u00fct tebli\u011flerde aynen s\u00fcrer, bireysel P2P al\u0131m-sat\u0131m\u0131 serbesttir.<\/p>\n<\/div>\n<p><!-- \u00d6ZET G\u00d6STERGELER\u0130 --><\/p>\n<div class=\"dfh-ozet-grid\">\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">Gerekmez<\/span><span class=\"doi-label\">Bireysel P2P \u0130\u00e7in<br \/>\nLisans<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">KVHS<\/span><span class=\"doi-label\">Lisansa Tabi<br \/>\nFaaliyet T\u00fcr\u00fc<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">250 mn TL<\/span><span class=\"doi-label\">Platform Asgari<br \/>\nSermayesi (2026)<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">3-5 y\u0131l<\/span><span class=\"doi-label\">\u0130zinsiz Faaliyetin<br \/>\nHapis Cezas\u0131<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">2 a\u015fama<\/span><span class=\"doi-label\">Kurulu\u015f \u0130zni +<br \/>\nFaaliyet \u0130zni<\/span><\/div>\n<\/div>\n<p>&#8220;P2P yapmak i\u00e7in lisans laz\u0131m m\u0131?&#8221; \u2014 2026 T\u00fcrkiye&#8217;sinde en \u00e7ok kar\u0131\u015ft\u0131r\u0131lan kripto hukuku sorular\u0131ndan biri. Kar\u0131\u015f\u0131kl\u0131\u011f\u0131n nedeni, tek bir &#8220;P2P&#8221; kelimesinin alt\u0131nda \u00fc\u00e7 bamba\u015fka faaliyetin toplanmas\u0131: kendi varl\u0131\u011f\u0131n\u0131 al\u0131p satan birey, ba\u015fkalar\u0131 i\u00e7in komisyonla i\u015flem yapan arac\u0131 ve kullan\u0131c\u0131lar\u0131 bulu\u015fturan platform. Birincisi serbesttir; ikincisi ve \u00fc\u00e7\u00fcnc\u00fcs\u00fc SPK&#8217;n\u0131n lisans rejimine tabidir \u2014 ve bu \u00e7izgiyi yanl\u0131\u015f okuman\u0131n bedeli 3-5 y\u0131l hapse kadar uzan\u0131r.<\/p>\n<p>Bu rehber, 7518 say\u0131l\u0131 Kanun sonras\u0131 lisans haritas\u0131n\u0131 netle\u015ftiriyor: kimin lisansa ihtiyac\u0131 var, KVHS lisans\u0131n\u0131n \u015fartlar\u0131 neler, &#8220;SPK P2P&#8217;yi yasaklad\u0131&#8221; efsanesinin asl\u0131 ne, izinsiz faaliyetin yapt\u0131r\u0131m\u0131 ne ve lisans almak isteyen giri\u015fimci hangi yolu izlemeli.<\/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=\"#kim\">Kim Lisansa Tabi? 60 Saniyede Te\u015fhis<\/a><\/li>\n<li><a href=\"#cerceve\">7518 Say\u0131l\u0131 Kanun ve KVHS \u00c7er\u00e7evesi<\/a><\/li>\n<li><a href=\"#sartlar\">KVHS Lisans \u015eartlar\u0131: Sermaye, \u015eirket, Yeterlilik<\/a><\/li>\n<li><a href=\"#surec\">Lisans S\u00fcreci: Kurulu\u015f \u0130zni \u2192 Faaliyet \u0130zni<\/a><\/li>\n<li><a href=\"#ispk\">SPK&#8217;n\u0131n P2P Karar\u0131 (2024\/48): Yasak Efsanesi ve Kald\u0131r\u0131lmas\u0131<\/a><\/li>\n<li><a href=\"#yaptirim\">\u0130zinsiz Faaliyetin Yapt\u0131r\u0131m\u0131: 3-5 Y\u0131l Hapis<\/a><\/li>\n<li><a href=\"#gri-alan\">Gri Alan: Lisanss\u0131z Trader&#8217;l\u0131k Ne Zaman Su\u00e7a D\u00f6n\u00fc\u015f\u00fcr?<\/a><\/li>\n<li><a href=\"#sss\">S\u0131k\u00e7a Sorulan Sorular (SSS)<\/a><\/li>\n<\/ol>\n<\/div>\n<p><!-- B\u00d6L\u00dcM 1 --><\/p>\n<h2 id=\"kim\">Kim Lisansa Tabi? 60 Saniyede Te\u015fhis<\/h2>\n<div class=\"dfh-teshis\">\n<p class=\"dfh-th-baslik\">Faaliyetiniz Hangisi?<\/p>\n<div class=\"dfh-th-icerik\">\n<div class=\"dfh-th-satir\">\n<div class=\"dfh-th-etiket teknik\">SERBEST<\/div>\n<div class=\"dfh-th-metin\">Kendi paran\u0131zla, kendi hesab\u0131n\u0131za kripto al\u0131p sat\u0131yorsunuz (bireysel yat\u0131r\u0131m\/arbitraj) \u2192 Lisans gerekmez; vergi ve MASAK kurallar\u0131na uyum yeterlidir<\/div>\n<\/div>\n<div class=\"dfh-th-satir\">\n<div class=\"dfh-th-etiket tuzak\">L\u0130SANS<\/div>\n<div class=\"dfh-th-metin\">Ba\u015fkalar\u0131n\u0131n paras\u0131\/varl\u0131\u011f\u0131 i\u00e7in komisyon kar\u015f\u0131l\u0131\u011f\u0131 d\u00fczenli al\u0131m-sat\u0131m yap\u0131yorsunuz \u2192 Arac\u0131l\u0131k faaliyetidir; izinsiz y\u00fcr\u00fct\u00fclmesi 3-5 y\u0131l hapis riski ta\u015f\u0131r<\/div>\n<\/div>\n<div class=\"dfh-th-satir\">\n<div class=\"dfh-th-etiket tuzak\">L\u0130SANS<\/div>\n<div class=\"dfh-th-metin\">Al\u0131c\u0131-sat\u0131c\u0131y\u0131 bulu\u015fturan bir platform\/uygulama\/pazar yeri i\u015fletiyorsunuz \u2192 KVHS lisans\u0131 zorunludur<\/div>\n<\/div>\n<div class=\"dfh-th-satir\">\n<div class=\"dfh-th-etiket tuzak\">L\u0130SANS<\/div>\n<div class=\"dfh-th-metin\">Ba\u015fkalar\u0131n\u0131n kripto varl\u0131klar\u0131n\u0131 sakl\u0131yor\/y\u00f6netiyorsunuz \u2192 Saklama hizmeti; lisans rejimine tabidir<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"dfh-alert dfh-alert-info\"><b>Anahtar Ayr\u0131m \u2014 &#8220;Kendi Hesab\u0131na&#8221; vs &#8220;Ba\u015fkas\u0131 Hesab\u0131na&#8221;:<\/b> Sermaye piyasas\u0131 hukukunun t\u00fcm lisans mant\u0131\u011f\u0131 bu ayr\u0131m \u00fczerine kuruludur. Kendi varl\u0131\u011f\u0131n\u0131z\u0131 satmak yat\u0131r\u0131md\u0131r; ba\u015fkas\u0131n\u0131n varl\u0131\u011f\u0131n\u0131\/paras\u0131n\u0131 i\u015fletmek hizmettir \u2014 ve hizmet, devletin izin rejimine tabidir. Hacminiz ne kadar b\u00fcy\u00fck olursa olsun, i\u015flem <strong>kendi hesab\u0131n\u0131za<\/strong> oldu\u011fu s\u00fcrece lisans sorunu yoktur (vergi ve ticarilik sorusu ayr\u0131d\u0131r).<\/div>\n<p><!-- B\u00d6L\u00dcM 2 --><\/p>\n<h2 id=\"cerceve\">7518 Say\u0131l\u0131 Kanun ve KVHS \u00c7er\u00e7evesi<\/h2>\n<p class=\"dfh-section-intro\">Temmuz 2024&#8217;te y\u00fcr\u00fcrl\u00fc\u011fe giren 7518 say\u0131l\u0131 Kanun, 6362 say\u0131l\u0131 Sermaye Piyasas\u0131 Kanunu&#8217;na kripto varl\u0131k h\u00fck\u00fcmlerini ekleyerek T\u00fcrkiye&#8217;nin ilk kapsaml\u0131 kripto d\u00fczenlemesini kurdu. \u00c7er\u00e7evenin ta\u015f\u0131y\u0131c\u0131 kavram\u0131 <strong>kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 (KVHS)<\/strong>: platformlar, saklama kurulu\u015flar\u0131 ve kripto varl\u0131klarla ilgili tan\u0131mlanan di\u011fer hizmetleri sunan kurulu\u015flar.<\/p>\n<ul class=\"dfh-checklist\">\n<li><strong>Lisans mercii:<\/strong> <a href=\"https:\/\/spk.gov.tr\/\" target=\"_blank\" rel=\"dofollow noopener\">Sermaye Piyasas\u0131 Kurulu (SPK)<\/a> \u2014 kurulu\u015f ve faaliyet izinleri, s\u00fcrekli denetim ve liste yay\u0131m\u0131<\/li>\n<li><strong>Faaliyet listesi:<\/strong> SPK, faaliyet izni ba\u015fvurusunda bulunan\/izin alan kurulu\u015flar\u0131n listesini yay\u0131mlar; bir platformun T\u00fcrkiye&#8217;deki stat\u00fcs\u00fc bu listeden do\u011frulan\u0131r<\/li>\n<li><strong>MASAK ba\u011flant\u0131s\u0131:<\/strong> KVHS&#8217;ler ayn\u0131 zamanda 5549 say\u0131l\u0131 Kanun kapsam\u0131nda y\u00fck\u00fcml\u00fc gruptad\u0131r: kimlik tespiti, \u015f\u00fcpheli i\u015flem bildirimi ve uyum program\u0131 zorunludur<\/li>\n<\/ul>\n<p><!-- B\u00d6L\u00dcM 3 --><\/p>\n<h2 id=\"sartlar\">KVHS Lisans \u015eartlar\u0131: Sermaye, \u015eirket, Yeterlilik<\/h2>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>\u015eart<\/th>\n<th>\u0130\u00e7erik<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u015eirket t\u00fcr\u00fc<\/strong><\/td>\n<td>Anonim \u015firket; paylar\u0131n tamam\u0131 nama yaz\u0131l\u0131 ve nakden \u00f6denmi\u015f<\/td>\n<\/tr>\n<tr>\n<td><strong>Asgari sermaye<\/strong><\/td>\n<td>2026 itibar\u0131yla platformlar i\u00e7in 250 milyon TL, saklama kurulu\u015flar\u0131 i\u00e7in 630 milyon TL (III-35\/B tebli\u011fleri; SPK&#8217;n\u0131n 31.12.2025 tarihli 2025\/68 say\u0131l\u0131 B\u00fclteni ile yeniden de\u011ferlenen tutarlar \u2014 her y\u0131l g\u00fcncellenir); sermayenin tamam\u0131 nakden \u00f6denmi\u015f olmal\u0131d\u0131r<\/td>\n<\/tr>\n<tr>\n<td><strong>Ortaklar ve y\u00f6neticiler<\/strong><\/td>\n<td>Mali g\u00fc\u00e7, itibar ve mesleki yeterlilik \u015fartlar\u0131; belirli su\u00e7lardan h\u00fck\u00fcml\u00fcl\u00fck engeli<\/td>\n<\/tr>\n<tr>\n<td><strong>Faaliyet konusu<\/strong><\/td>\n<td>Esas s\u00f6zle\u015fmede m\u00fcnhas\u0131ran izin verilen faaliyetlerle s\u0131n\u0131rland\u0131rma<\/td>\n<\/tr>\n<tr>\n<td><strong>Teknik altyap\u0131<\/strong><\/td>\n<td>Bilgi sistemleri, siber g\u00fcvenlik, i\u00e7 kontrol, risk y\u00f6netimi ve T\u00dcB\u0130TAK kriterleriyle uyumlu altyap\u0131 yeterlilikleri<\/td>\n<\/tr>\n<tr>\n<td><strong>Uyum d\u00fczeni<\/strong><\/td>\n<td>MASAK uyum program\u0131, kimlik tespiti (KYC) ve raporlama mekanizmalar\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"dfh-alert dfh-alert-warn\"><b>G\u00fcncellik Uyar\u0131s\u0131:<\/b> Sermaye e\u015fikleri her y\u0131l yeniden de\u011ferleme ile g\u00fcncellenmektedir: tebli\u011fin ilk halinde 150 milyon TL olan platform sermayesi, SPK&#8217;n\u0131n 2025\/68 say\u0131l\u0131 B\u00fclteni ile 2026 i\u00e7in 250 milyon TL&#8217;ye y\u00fckselmi\u015ftir. \u0130nternette h\u00e2l\u00e2 dola\u015fan &#8220;150 milyon&#8221; bilgisi g\u00fcncel de\u011fildir. Ba\u015fvuru planlayan giri\u015fimcilerin, s\u00fcre\u00e7 ba\u015flamadan \u00f6nce g\u00fcncel b\u00fclten ve tebli\u011f metinleri \u00fczerinden \u015fart setini do\u011frulamas\u0131 gerekir \u2014 bu rehber \u00e7er\u00e7eveyi verir, ba\u015fvuru dosyas\u0131 g\u00fcn\u00fcn mevzuat\u0131yla kurulur.<\/div>\n<p><!-- CTA 1 --><\/p>\n<div class=\"dfh-cta-wrap\">\n<p><a class=\"dfh-cta-btn\" href=\"https:\/\/defihukuk.com\/p2p-dolandiriciligi-avukati\/\">P2P Avukat\u0131 \u2014 Hukuki Dan\u0131\u015fmanl\u0131k Al<\/a><\/p>\n<p class=\"dfh-cta-alt\">Faaliyet modelinizin lisans, vergi ve ceza boyutunun b\u00fct\u00fcnc\u00fcl de\u011ferlendirmesi i\u00e7in<\/p>\n<\/div>\n<p><!-- B\u00d6L\u00dcM 4 --><\/p>\n<h2 id=\"surec\">Lisans S\u00fcreci: Kurulu\u015f \u0130zni \u2192 Faaliyet \u0130zni<\/h2>\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 Yap\u0131land\u0131rma<\/p>\n<p>Faaliyet modelinin hukuki nitelendirmesi, ortakl\u0131k yap\u0131s\u0131n\u0131n ve sermaye plan\u0131n\u0131n \u015fartlara uygun kurgulanmas\u0131, esas s\u00f6zle\u015fme tasla\u011f\u0131.<\/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\">Kurulu\u015f \u0130zni Ba\u015fvurusu<\/p>\n<p>SPK&#8217;ya kurulu\u015f\/d\u00f6n\u00fc\u015f\u00fcm izni ba\u015fvurusu: ortak-y\u00f6netici belgeleri, mali yeterlilik kan\u0131tlar\u0131, i\u015f plan\u0131 ve faaliyet program\u0131.<\/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\">Altyap\u0131 Kurulumu<\/p>\n<p>Bilgi sistemleri, saklama-c\u00fczdan mimarisi, i\u00e7 kontrol ve MASAK uyum program\u0131n\u0131n denetlenebilir bi\u00e7imde kurulmas\u0131.<\/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\">Faaliyet \u0130zni ve Listeye Giri\u015f<\/p>\n<p>Faaliyet izni ba\u015fvurusu, SPK incelemesi ve iznin al\u0131nmas\u0131yla faaliyete ge\u00e7i\u015f; kurulu\u015f SPK listesinde yay\u0131mlan\u0131r ve s\u00fcrekli denetime tabi olur.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"dfh-ic-link\">Platform kurmay\u0131 ciddi olarak planl\u0131yorsan\u0131z; ba\u015fvuru dosyas\u0131, T\u00dcB\u0130TAK altyap\u0131 kriterleri, MKK entegrasyonu ve organizasyon \u015fartlar\u0131 dahil s\u00fcrecin A&#8217;dan Z&#8217;ye yol haritas\u0131 i\u00e7in <a href=\"https:\/\/defihukuk.com\/kripto-varlik-platformu-kvhs-kurulumu-spk-lisanslama-sureci\/\">KVHS kurulumu ve SPK lisanslama s\u00fcreci<\/a> rehberimize bak\u0131n.<\/div>\n<p><!-- B\u00d6L\u00dcM 5 --><\/p>\n<h2 id=\"ispk\">SPK&#8217;n\u0131n P2P Karar\u0131 (2024\/48): Yasak Efsanesi ve Kald\u0131r\u0131lmas\u0131<\/h2>\n<div class=\"dfh-ai-answer\">\n<h3>Piyasada Dola\u015fan Bilgi \u0130ki Kez Yanl\u0131\u015f<\/h3>\n<p>\u0130nternette neredeyse her kaynakta &#8220;SPK, 2024\/48 say\u0131l\u0131 B\u00fclten&#8217;deki kararla P2P&#8217;yi yasaklad\u0131&#8221; bilgisi dola\u015f\u0131r. Bu bilgi iki ayr\u0131 noktada yanl\u0131\u015ft\u0131r. <strong>Birincisi, karar P2P&#8217;yi hi\u00e7 yasaklamad\u0131:<\/strong> SPK&#8217;n\u0131n 19.09.2024 tarihli ve 1484 say\u0131l\u0131 ilke karar\u0131 (2024\/48 say\u0131l\u0131 B\u00fclten), alt\u0131nc\u0131 maddesinde e\u015fler aras\u0131 (P2P) dijital pazar yerlerinde <strong>&#8220;kendi ad\u0131na fakat ba\u015fkas\u0131 hesab\u0131na&#8221; d\u00fczenli i\u015flem yapmay\u0131<\/strong> izinsiz kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 saym\u0131\u015ft\u0131. Yani lisansa tabi olan; Binance P2P, OKX P2P, Bybit P2P gibi <strong>pazar yerlerinin i\u015fletilmesi<\/strong> ve ba\u015fkas\u0131 hesab\u0131na y\u00fcr\u00fct\u00fclen d\u00fczenli ticaretti \u2014 o pazar yerlerinde ilan verip <strong>kendi hesab\u0131na<\/strong> al\u0131m-sat\u0131m yapmak hi\u00e7bir zaman lisansa tabi olmad\u0131. <strong>\u0130kincisi, karar art\u0131k y\u00fcr\u00fcrl\u00fckte de de\u011fil:<\/strong> alt\u0131nc\u0131 maddesi de dahil bir k\u0131s\u0131m h\u00fckm\u00fc, Kurul&#8217;un <strong>13.02.2025 tarihli ve 8\/313 say\u0131l\u0131 karar\u0131yla<\/strong> y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>Tarih<\/th>\n<th>Geli\u015fme<\/th>\n<th>Sonu\u00e7<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>19.09.2024<\/strong><\/td>\n<td>1484 say\u0131l\u0131 ilke karar\u0131 (2024\/48 say\u0131l\u0131 B\u00fclten) \u2014 m.6: P2P pazar yerlerinde &#8220;kendi ad\u0131na fakat ba\u015fkas\u0131 hesab\u0131na&#8221; d\u00fczenli i\u015flem = izinsiz KVHS<\/td>\n<td>Pazar yeri i\u015fletmek ve ba\u015fkas\u0131 hesab\u0131na d\u00fczenli i\u015flem lisansa ba\u011fland\u0131; 8 Kas\u0131m 2024&#8217;e kadar ge\u00e7i\u015f s\u00fcresi tan\u0131nd\u0131<\/td>\n<\/tr>\n<tr>\n<td><strong>13.02.2025<\/strong><\/td>\n<td>Kurul&#8217;un 8\/313 say\u0131l\u0131 karar\u0131 \u2014 1484 say\u0131l\u0131 karar\u0131n m.6 dahil bir k\u0131s\u0131m h\u00fckm\u00fc y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131ld\u0131<\/td>\n<td>\u0130lke karar\u0131 d\u00f6nemi kapand\u0131; 8 Kas\u0131m 2024 ge\u00e7i\u015f s\u00fcresi tarihe kar\u0131\u015ft\u0131<\/td>\n<\/tr>\n<tr>\n<td><strong>13.03.2025<\/strong><\/td>\n<td>III-35\/B.1 ve III-35\/B.2 say\u0131l\u0131 Tebli\u011fler y\u00fcr\u00fcrl\u00fckte<\/td>\n<td>Alan tebli\u011f rejimine devredildi \u2014 \u00f6l\u00e7\u00fct aynen s\u00fcr\u00fcyor: ba\u015fkas\u0131 hesab\u0131na d\u00fczenli i\u015flem = lisansa tabi KVHS faaliyeti<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"dfh-alert dfh-alert-info\"><b>Kald\u0131r\u0131lman\u0131n Do\u011fru Okunu\u015fu:<\/b> 8\/313 say\u0131l\u0131 kararla kald\u0131rma bir <strong>serbestle\u015fme de\u011fildir<\/strong>; ilke karar\u0131yla ge\u00e7ici olarak d\u00fczenlenen alan\u0131n kal\u0131c\u0131 tebli\u011f mevzuat\u0131na (III-35\/B.1 ve III-35\/B.2) devredilmesidir. Bug\u00fcn ge\u00e7erli \u00e7er\u00e7eve nettir: bireysel kullan\u0131c\u0131 olarak P2P pazar yerlerinde ilan vermek ve kendi hesab\u0131na al\u0131m-sat\u0131m yapmak serbesttir; pazar yeri i\u015fletmek veya &#8220;kendi ad\u0131na fakat ba\u015fkas\u0131 hesab\u0131na&#8221; d\u00fczenli i\u015flem yapmak KVHS lisans\u0131na tabidir. H\u00e2l\u00e2 &#8220;SPK yasaklad\u0131, yasak&#8221; diye yazan kaynaklar, hem karar\u0131n i\u00e7eri\u011fini hem de kald\u0131r\u0131lm\u0131\u015f oldu\u011funu g\u00f6zden ka\u00e7\u0131rmaktad\u0131r.<\/div>\n<p><!-- B\u00d6L\u00dcM 6 --><\/p>\n<h2 id=\"yaptirim\">\u0130zinsiz Faaliyetin Yapt\u0131r\u0131m\u0131: 3-5 Y\u0131l Hapis<\/h2>\n<div class=\"dfh-karar-box\">\n<p class=\"dfh-kb-title\">\u0130zinsiz KVHS Faaliyetinin Sonu\u00e7lar\u0131<\/p>\n<ul>\n<li><strong>Hapis cezas\u0131:<\/strong> 7518 say\u0131l\u0131 Kanunla getirilen h\u00fck\u00fcmler uyar\u0131nca izinsiz kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 faaliyeti, 3 y\u0131ldan 5 y\u0131la kadar hapis ve adli para cezas\u0131 yapt\u0131r\u0131m\u0131na tabidir<\/li>\n<li><strong>Eri\u015fim engeli:<\/strong> \u0130zinsiz faaliyet y\u00fcr\u00fcten platform ve sitelere eri\u015fim engellenebilir<\/li>\n<li><strong>MASAK boyutu:<\/strong> \u0130zinsiz faaliyet \u00fczerinden akan fonlar, aklama \u015f\u00fcphesiyle ayr\u0131ca soru\u015fturma konusu olabilir<\/li>\n<li><strong>Sivil sonu\u00e7lar:<\/strong> \u0130zinsiz hizmetin taraflar\u0131yla uyu\u015fmazl\u0131klarda s\u00f6zle\u015fmesel korumas\u0131zl\u0131k ve tazminat riskleri<\/li>\n<\/ul>\n<\/div>\n<p><!-- B\u00d6L\u00dcM 7 --><\/p>\n<h2 id=\"gri-alan\">Gri Alan: Lisanss\u0131z Trader&#8217;l\u0131k Ne Zaman Su\u00e7a D\u00f6n\u00fc\u015f\u00fcr?<\/h2>\n<p class=\"dfh-section-intro\">Uygulamada en riskli profil, &#8220;b\u00fcy\u00fcm\u00fc\u015f bireysel trader&#8221;d\u0131r: kendi hesab\u0131yla ba\u015flayan faaliyet zamanla \u00e7evresinin taleplerini almaya, komisyon kazanmaya ve ekiple \u00e7al\u0131\u015fmaya evrilir \u2014 ve sahibi \u00e7o\u011fu zaman \u00e7izgiyi ge\u00e7ti\u011fini fark etmez. D\u00f6n\u00fc\u015f\u00fcm\u00fcn \u00fc\u00e7 i\u015fareti:<\/p>\n<ul class=\"dfh-checklist\">\n<li><strong>Ba\u015fkas\u0131 hesab\u0131na i\u015flem:<\/strong> &#8220;Arkada\u015flar\u0131m\u0131n paras\u0131n\u0131 da de\u011ferlendiriyorum&#8221; \u2014 kendi hesab\u0131na yat\u0131r\u0131mdan, ba\u015fkas\u0131 hesab\u0131na hizmete ge\u00e7i\u015f<\/li>\n<li><strong>Komisyon\/\u00fccret:<\/strong> \u0130\u015flem ba\u015f\u0131na pay, ayl\u0131k \u00fccret veya k\u00e2r ortakl\u0131\u011f\u0131 \u2014 hizmetin ticarile\u015fti\u011finin kan\u0131t\u0131<\/li>\n<li><strong>Organizasyon:<\/strong> \u0130lan, m\u00fc\u015fteri portf\u00f6y\u00fc, ekip, ayr\u0131lm\u0131\u015f hesaplar \u2014 faaliyetin s\u00fcreklilik ve yap\u0131 kazand\u0131\u011f\u0131n\u0131n g\u00f6stergesi<\/li>\n<\/ul>\n<div class=\"dfh-alert dfh-alert-warn\"><b>\u00dc\u00e7\u00fc Bir Aradaysa:<\/b> Faaliyet, bireysel yat\u0131r\u0131m g\u00f6r\u00fcn\u00fcm\u00fcnden \u00e7\u0131k\u0131p izinsiz KVHS faaliyeti g\u00f6r\u00fcn\u00fcm\u00fc kazanm\u0131\u015ft\u0131r. Bu noktadaki do\u011fru hamle faaliyeti b\u00fcy\u00fctmek de\u011fil, durup hukuki g\u00f6r\u00fc\u015f almakt\u0131r: model ya lisansl\u0131 yap\u0131ya ta\u015f\u0131n\u0131r ya kendi hesab\u0131na ticarete daralt\u0131l\u0131r ya da \u015firketle\u015fme + vergi d\u00fczeniyle yeniden kurgulan\u0131r.<\/div>\n<div class=\"dfh-ic-link\">Faaliyetinizi \u015firket \u00e7at\u0131s\u0131na ta\u015f\u0131may\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z <a href=\"https:\/\/defihukuk.com\/p2p-sirket-kurulusu-ve-nace-kodu\/\">P2P \u015firket kurulu\u015fu ve NACE kodu<\/a>; kazanc\u0131n vergilendirilmesi i\u00e7in <a href=\"https:\/\/defihukuk.com\/p2p-vergi-fatura-makbuz-kdv\/\">P2P vergi rehberi<\/a>; t\u00fcm sorular\u0131n \u00f6zeti i\u00e7in <a href=\"https:\/\/defihukuk.com\/kripto-p2p-islemlerine-iliskin-tum-sorunlara-uzmanindan-cevaplar\/\">kripto P2P SSS rehberimize<\/a> bak\u0131n.<\/div>\n<div class=\"dfh-blockquote\">\n<p>&#8220;Lisans dosyalar\u0131nda iki u\u00e7 g\u00f6r\u00fcr\u00fcz: 250 milyonluk sermayeyle platform kurmak isteyen giri\u015fimci ve &#8216;sadece arkada\u015flar\u0131ma yard\u0131m ediyordum&#8217; diyen trader. \u0130kisine de s\u00f6yledi\u011fimiz ayn\u0131 c\u00fcmledir: sermaye piyasas\u0131nda iyi niyet, izin belgesinin yerini tutmaz. Model neyse ad\u0131 o konmal\u0131; ad konduktan sonra yol bellidir \u2014 ya lisans, ya kendi hesab\u0131na ticaret.&#8221;<\/p>\n<p><em>\u2014 Av. Ahmet Karaca, DeFi Hukuk B\u00fcrosu<\/em><\/p>\n<\/div>\n<p><!-- \u0130LET\u0130\u015e\u0130M --><\/p>\n<div id=\"iletisim\" class=\"dfh-iletisim-box\">\n<p class=\"dfh-ib-title\">P2P Lisans ve SPK S\u00fcre\u00e7leri \u2014 DeFi Hukuk B\u00fcrosu<\/p>\n<p>Platform mu kuruyorsunuz, faaliyet modeliniz gri alanda m\u0131? Nitelendirme, lisans ba\u015fvurusu ve uyum yap\u0131land\u0131rmas\u0131 i\u00e7in yan\u0131n\u0131zday\u0131z.<\/p>\n<p>Telefon \/ WhatsApp: <strong>0531 336 09 81<\/strong><\/p>\n<p>Web: defihukuk.com<\/p>\n<p>Adres: So\u011fanl\u0131k Yeni Mahalle, Pegagaz Sokak, Kat:32 No:6A D:197, 34880 Kartal\/\u0130stanbul<\/p>\n<\/div>\n<p><!-- SSS --><\/p>\n<h2 id=\"sss\">S\u0131k\u00e7a Sorulan Sorular (SSS)<\/h2>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">P2P i\u015flemi yapmak i\u00e7in SPK lisans\u0131 gerekir mi?<\/p>\n<p class=\"dfh-faq-a\">Kendi hesab\u0131n\u0131za bireysel al\u0131m-sat\u0131m i\u00e7in gerekmez. Lisans; platform i\u015fletmek, ba\u015fkalar\u0131 ad\u0131na arac\u0131l\u0131k etmek veya saklama hizmeti sunmak gibi KVHS faaliyetleri i\u00e7indir. Ba\u015fkalar\u0131n\u0131n paras\u0131 i\u00e7in komisyonlu d\u00fczenli i\u015flem, izinsiz faaliyet riskini do\u011furur.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">KVHS lisans\u0131 \u015fartlar\u0131 nelerdir?<\/p>\n<p class=\"dfh-faq-a\">Anonim \u015firket kurulu\u015fu, asgari sermaye (2026 itibar\u0131yla platformlar i\u00e7in 250 milyon TL, saklama kurulu\u015flar\u0131 i\u00e7in 630 milyon TL \u2014 SPK&#8217;n\u0131n 2025\/68 say\u0131l\u0131 B\u00fclteni ile yeniden de\u011ferlenen tutarlar; her y\u0131l g\u00fcncellenir), nama yaz\u0131l\u0131 ve nakden \u00f6denmi\u015f paylar, ortak\/y\u00f6netici yeterlilikleri, bilgi sistemleri altyap\u0131s\u0131 ve SPK&#8217;dan iki a\u015famal\u0131 izin (kurulu\u015f + faaliyet).<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Lisanss\u0131z P2P arac\u0131l\u0131\u011f\u0131n\u0131n cezas\u0131 nedir?<\/p>\n<p class=\"dfh-faq-a\">\u0130zinsiz KVHS faaliyeti, 3 y\u0131ldan 5 y\u0131la kadar hapis ve adli para cezas\u0131 yapt\u0131r\u0131m\u0131na tabidir; ayr\u0131ca eri\u015fim engeli ve MASAK boyutu devreye girebilir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">SPK&#8217;n\u0131n 2024\/48 say\u0131l\u0131 B\u00fclten&#8217;deki karar\u0131 P2P&#8217;yi yasaklad\u0131 m\u0131?<\/p>\n<p class=\"dfh-faq-a\">Hay\u0131r \u2014 bu bilgi iki kez yanl\u0131\u015ft\u0131r. 19.09.2024 tarihli ve 1484 say\u0131l\u0131 ilke karar\u0131 P2P&#8217;yi yasaklamam\u0131\u015f; alt\u0131nc\u0131 maddesinde pazar yerlerinde &#8220;kendi ad\u0131na fakat ba\u015fkas\u0131 hesab\u0131na&#8221; d\u00fczenli i\u015flem yapmay\u0131 izinsiz KVHS saym\u0131\u015ft\u0131 \u2014 kendi hesab\u0131na ilan verip al\u0131m-sat\u0131m yapmak hi\u00e7bir zaman lisansa tabi olmad\u0131. \u00dcstelik karar\u0131n alt\u0131nc\u0131 maddesi dahil bir k\u0131s\u0131m h\u00fckm\u00fc, Kurul&#8217;un 13.02.2025 tarihli ve 8\/313 say\u0131l\u0131 karar\u0131yla y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131ld\u0131; alan III-35\/B tebli\u011flerine devredildi ve \u00f6l\u00e7\u00fct tebli\u011f rejiminde aynen s\u00fcr\u00fcyor.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Binance, OKX gibi platformlar T\u00fcrkiye&#8217;de lisansl\u0131 m\u0131?<\/p>\n<p class=\"dfh-faq-a\">Bir platformun stat\u00fcs\u00fc SPK&#8217;n\u0131n yay\u0131mlad\u0131\u011f\u0131 liste \u00fczerinden do\u011frulan\u0131r; listede olmayan platform T\u00fcrkiye&#8217;de izinli KVHS de\u011fildir. Kullan\u0131c\u0131 i\u00e7in i\u015flem yapmak su\u00e7 de\u011fildir; ancak vergi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn tamamen kullan\u0131c\u0131da olmas\u0131 ve uyu\u015fmazl\u0131kta muhatap g\u00fc\u00e7l\u00fc\u011f\u00fc gibi pratik sonu\u00e7lar do\u011far.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Lisanss\u0131z d\u00fczenli trader&#8217;l\u0131k ne zaman su\u00e7a d\u00f6n\u00fc\u015f\u00fcr?<\/p>\n<p class=\"dfh-faq-a\">\u00dc\u00e7 i\u015faret bir araya geldi\u011finde: ba\u015fkas\u0131 hesab\u0131na i\u015flem + komisyon\/\u00fccret + organize s\u00fcreklilik. Bu noktada faaliyet izinsiz KVHS g\u00f6r\u00fcn\u00fcm\u00fc kazan\u0131r; model b\u00fcy\u00fct\u00fclmeden hukuki g\u00f6r\u00fc\u015f al\u0131nmal\u0131d\u0131r.<\/p>\n<\/div>\n<p><!-- ALT CTA --><\/p>\n<div class=\"dfh-cta-wrap\">\n<p><a class=\"dfh-cta-btn siyah\" href=\"https:\/\/defihukuk.com\/\">Kripto Para Avukat\u0131 \u2014 DeFi Hukuk B\u00fcrosu<\/a><\/p>\n<p class=\"dfh-cta-alt\">KVHS lisans ba\u015fvurusu, SPK uyum ve kripto hukuku dosyalar\u0131nda dan\u0131\u015fmanl\u0131k<\/p>\n<\/div>\n<hr class=\"dfh-divider\" \/>\n<p><!-- YAZAR --><\/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 Sermaye Piyasas\u0131 Hukuku Uzman\u0131 | \u0130stanbul Barosu<\/p>\n<p class=\"dfh-author-bar\">TBB Sicil No: 234456 | Baro Sicil No: 92414 | \u0130stanbul Barosu | DeFi Hukuk B\u00fcrosu<\/p>\n<\/div>\n<\/div>\n<p class=\"dfh-author-bio\">Bu rehber, \u0130stanbul Barosu&#8217;na kay\u0131tl\u0131 (Sicil No: 92414), TBB Sicil No 234456 numaral\u0131 ruhsata sahip Av. Ahmet Karaca taraf\u0131ndan haz\u0131rlanm\u0131\u015ft\u0131r. Marmara \u00dcniversitesi Hukuk Fak\u00fcltesi&#8217;nden onur derecesiyle mezun olan Karaca; 7518 say\u0131l\u0131 Kanun sonras\u0131 KVHS nitelendirme analizleri, faaliyet modeli yap\u0131land\u0131rmas\u0131 ve SPK uyum s\u00fcre\u00e7leri dahil kripto giri\u015fimlerinin reg\u00fclasyon boyutunda dan\u0131\u015fmanl\u0131k vermektedir. Duke University (Decentralized Finance Primitives), Politecnico di Milano (AI &amp; Legal Issues) ve Lund University (AI &amp; Law) sertifika programlar\u0131n\u0131 tamamlam\u0131\u015f; Haberler.com&#8217;da &#8220;Bili\u015fim Avukat\u0131 | Kripto Para Avukat\u0131&#8221; k\u00f6\u015fe yazar\u0131 olarak g\u00f6rev yapmakta ve Udemy&#8217;de T\u00fcrkiye&#8217;nin ilk kapsaml\u0131 blockchain hukuku online e\u011fitimlerinden birini y\u00fcr\u00fctmektedir.<\/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><br \/>\n<span class=\"dfh-cred\">\u0130stanbul Barosu Bili\u015fim Hukuku Komisyonu \u00dcyesi<\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>P2P Lisans: SPK Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131 Lisans\u0131 \u2014 2026 Kendi hesab\u0131n\u0131za bireysel P2P al\u0131m-sat\u0131m\u0131 i\u00e7in lisans gerekmez. Lisans, kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 (KVHS) faaliyetleri i\u00e7in gerekir: platform i\u015fletmek, ba\u015fkalar\u0131 ad\u0131na al\u0131m-sat\u0131ma arac\u0131l\u0131k etmek veya saklama hizmeti sunmak. 7518 say\u0131l\u0131 Kanun \u00e7er\u00e7evesinde KVHS lisans\u0131n\u0131n temel \u015fartlar\u0131: anonim \u015firket kurulu\u015fu, asgari sermaye (2026 itibar\u0131yla platformlar i\u00e7in 250 milyon TL, saklama kurulu\u015flar\u0131 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7273,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[128],"tags":[],"class_list":["post-7244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-p2p-hukuku"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>P2P Lisans - SPK Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131 Lisans\u0131 2026<\/title>\n<meta name=\"description\" content=\"P2P i\u015flemi i\u00e7in lisans gerekir mi? 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