{"id":101654,"date":"2026-05-21T13:15:48","date_gmt":"2026-05-21T18:15:48","guid":{"rendered":"https:\/\/www.turkishnyradio.com\/?p=101654"},"modified":"2026-05-21T08:47:21","modified_gmt":"2026-05-21T13:47:21","slug":"fed-odeme-hesabi-plani-uygun-firmalar","status":"publish","type":"post","link":"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/","title":{"rendered":"Fed Odeme Hesab\u0131 Plan\u0131 Uygun Firmalar \u0130\u00e7in Yeni Yol A\u00e7\u0131yor: Rapor"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Fed odeme hesab\u0131 teklifi, Federal Reserve Board\u2019da kamuoyu g\u00f6r\u00fc\u015f\u00fcne a\u00e7\u0131ld\u0131. Teklif, yasal olarak uygun finansal kurumlar i\u00e7in s\u0131n\u0131rl\u0131 ama\u00e7l\u0131 bir hesap olu\u015fturmay\u0131 hedefliyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hesap, onaylanan firmalar\u0131n \u00f6demeleri do\u011frudan temizlemesine ve sonu\u00e7land\u0131rmas\u0131na izin verecek. Bu firmalar, i\u015flemler i\u00e7in se\u00e7ili Federal Reserve hizmetlerini kullanabilecek.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Teklif, kripto, fintech ve \u00f6deme odakl\u0131 firmalar\u0131 etkileyebilir. Bir\u00e7ok geleneksel olmayan kurum, uzun s\u00fcredir Fed \u00f6deme raylar\u0131na do\u011frudan eri\u015fim istiyor. <\/span><span style=\"font-weight: 400;\">Bu firmalar daha h\u0131zl\u0131 mutabakat ve daha az gecikme hedefliyor. Ayr\u0131ca arac\u0131 bankalara olan ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azaltmak istiyor.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler Tablosu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Fed_Odeme_Hesabi_Plani_Master_Hesap_Avantajlarini_Sinirliyor\" >Fed Odeme Hesab\u0131 Plan\u0131 Master Hesap Avantajlar\u0131n\u0131 S\u0131n\u0131rl\u0131yor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Fed_Master_Hesap_Avantajlarini_Sinirlandiriyor\" >Fed Master Hesap Avantajlar\u0131n\u0131 S\u0131n\u0131rland\u0131r\u0131yor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Dahil_Edilen_ve_Disarida_Birakilan_Hizmetler\" >Dahil Edilen ve D\u0131\u015far\u0131da B\u0131rak\u0131lan Hizmetler<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Bakiye_Siniri_ve_Inceleme_Sureci\" >Bakiye S\u0131n\u0131r\u0131 ve \u0130nceleme S\u00fcreci<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Siyasi_Baski_Teklife_Agirlik_Katiyor\" >Siyasi Bask\u0131 Teklife A\u011f\u0131rl\u0131k Kat\u0131yor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Yonetim_Kurulu_Oylamasi_Risk_Endiselerini_Gosteriyor\" >Y\u00f6netim Kurulu Oylamas\u0131 Risk Endi\u015felerini G\u00f6steriyor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Sonuc\" >Sonu\u00e7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Fed_Odeme_Hesabi_Hakkinda_Sik_Sorulan_Sorular\" >Fed Odeme Hesab\u0131 Hakk\u0131nda S\u0131k Sorulan Sorular<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#1_Fed_odeme_hesabi_nedir\" >1. Fed odeme hesab\u0131 nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#2_Fed_odeme_hesabini_kimler_kullanabilir\" >2. Fed odeme hesab\u0131n\u0131 kimler kullanabilir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#3_Master_hesaptan_farki_nedir\" >3. Master hesaptan fark\u0131 nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#4_Kripto_ve_fintech_firmalari_icin_neden_onemli\" >4. Kripto ve fintech firmalar\u0131 i\u00e7in neden \u00f6nemli?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.turkishnyradio.com\/tr\/fed-odeme-hesabi-plani-uygun-firmalar\/#Kaynaklar\" >Kaynaklar<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Fed_Odeme_Hesabi_Plani_Master_Hesap_Avantajlarini_Sinirliyor\"><\/span><b>Fed Odeme Hesab\u0131 Plan\u0131 Master Hesap Avantajlar\u0131n\u0131 S\u0131n\u0131rl\u0131yor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fed, bir\u00e7ok ba\u015fvurunun <a href=\"https:\/\/x.com\/federalreserve\/status\/2057190483827265561\" rel=\"nofollow\">federal<\/a> sigortaya sahip olmayan kurumlardan geldi\u011fini s\u00f6yledi. Ancak teklif, geni\u015f kapsaml\u0131 master hesap eri\u015fimi sa\u011flam\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6nerilen Fed odeme hesab\u0131, Federal Reserve \u00f6deme hizmetlerine s\u0131n\u0131rl\u0131 bir yol sunacak. Hesap sahipleri, geleneksel bir master hesapla ba\u011flant\u0131l\u0131 t\u00fcm avantajlar\u0131 alamayacak. <\/span><span style=\"font-weight: 400;\">Bu kurumlar g\u00fcn i\u00e7i krediye <\/span><a href=\"https:\/\/www.turkishnyradio.com\/trump-executive-order-targets-crypto-access-to-federal-reserve-payment-systems\/\"><span style=\"font-weight: 400;\">eri\u015femeyecek<\/span><\/a><span style=\"font-weight: 400;\">. \u0130ndirim penceresinden yararlanamayacak. Reserve Bank\u2019ta tutulan bakiyeler i\u00e7in faiz de kazanamayacak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A\u00e7\u0131k pozisyon yaratabilecek i\u015flemler otomatik olarak engellenecek. Bu \u015fart, Fed\u2019in risk kontrol tasar\u0131m\u0131n\u0131n merkezinde yer al\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fed odeme hesab\u0131 plan\u0131, eri\u015fim ile g\u00fcvenlik \u00f6nlemleri aras\u0131nda denge kurmay\u0131 ama\u00e7l\u0131yor. Plan, uygun firmalar i\u00e7in do\u011frudan takas ve mutabakat\u0131 destekleyecek. Ayn\u0131 zamanda Reserve Bank\u2019lar i\u00e7in kredi, likidite ve bilan\u00e7o risklerini s\u0131n\u0131rlayacak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hesap yaln\u0131zca Federal Reserve hesaplar\u0131 veya hizmetleri i\u00e7in zaten yasal olarak uygun kurumlara a\u00e7\u0131k olacak. Fed, teklifin yasal uygunluk kapsam\u0131n\u0131 geni\u015fletmeyece\u011fini belirtti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu nokta dijital varl\u0131k firmalar\u0131 i\u00e7in \u00f6nemli. Baz\u0131 firmalar, yeni hesap t\u00fcr\u00fc onaylansa bile mevcut yasa kapsam\u0131nda uygun olmayabilir.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fed_Master_Hesap_Avantajlarini_Sinirlandiriyor\"><\/span><b>Fed Master Hesap Avantajlar\u0131n\u0131 S\u0131n\u0131rland\u0131r\u0131yor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">S\u0131n\u0131rl\u0131 ama\u00e7l\u0131 yap\u0131, tam bir master hesaptan farkl\u0131 olacak. Master hesap, bankalara Federal Reserve hizmetlerine daha geni\u015f eri\u015fim sa\u011flayabilir.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6nerilen yap\u0131 daha dar kapsaml\u0131 olacak. Odak noktas\u0131 \u00f6deme takas\u0131 ve mutabakat olacak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu durum, Fed odeme hesab\u0131n\u0131n onaylanan firmalara \u00f6demeleri daha do\u011frudan y\u00fcr\u00fctme imkan\u0131 verebilece\u011fini g\u00f6steriyor. Ancak firmalara geleneksel bankalar\u0131n sahip oldu\u011fu ayn\u0131 finansal ara\u00e7lar\u0131 sa\u011flamayacak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fed, \u00f6deme eri\u015fimi ile bankac\u0131l\u0131k ayr\u0131cal\u0131klar\u0131 aras\u0131nda net bir \u00e7izgi \u00e7iziyor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dahil_Edilen_ve_Disarida_Birakilan_Hizmetler\"><\/span><b>Dahil Edilen ve D\u0131\u015far\u0131da B\u0131rak\u0131lan Hizmetler<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fed\u2019in personel notuna g\u00f6re, uygun hesap sahipleri a\u00e7\u0131k pozisyonlar\u0131n engellenebildi\u011fi hizmetlere eri\u015febilecek. Bunlar aras\u0131nda Fedwire Funds Service, FedNow Service, National Settlement Service ve \u00f6demesiz Fedwire Securities transferleri yer al\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FedACH ise teklif kapsam\u0131nda sunulmayacak. Bu d\u0131\u015flama, hesab\u0131n belirli \u00f6deme i\u015flevleriyle s\u0131n\u0131rl\u0131 kalmas\u0131n\u0131 sa\u011fl\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yap\u0131, Fed\u2019in operasyonel kontrole odakland\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Ayr\u0131ca daha geni\u015f risk olu\u015fturabilecek hizmetlerde temkinli davrand\u0131\u011f\u0131n\u0131 ortaya koyuyor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bakiye_Siniri_ve_Inceleme_Sureci\"><\/span><b>Bakiye S\u0131n\u0131r\u0131 ve \u0130nceleme S\u00fcreci<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Teklif, kapan\u0131\u015f bakiyesi i\u00e7in bir s\u0131n\u0131r i\u00e7eriyor. Bu s\u0131n\u0131r, beklenen \u00f6deme faaliyetine g\u00f6re belirlenecek.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bakiye limiti 1 milyar dolara kadar \u00e7\u0131kabilecek. Bu, firmalar\u0131n hesab\u0131 b\u00fcy\u00fck bir rezerv depolama arac\u0131 olarak kullanmas\u0131n\u0131 engelleyebilir.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fed\u2019in personel notu ayr\u0131ca bir inceleme takvimi sundu. Fed odeme hesab\u0131 ba\u015fvurular\u0131, istenen t\u00fcm belgeler al\u0131nd\u0131ktan sonra genel olarak 90 takvim g\u00fcn\u00fc i\u00e7inde incelenecek.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu s\u00fcre, ba\u015fvuru sahiplerine daha fazla netlik sa\u011flayabilir. Bir\u00e7ok firma, hesap eri\u015fimi kararlar\u0131 konusunda belirsizlik ya\u015fam\u0131\u015ft\u0131.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Siyasi_Baski_Teklife_Agirlik_Katiyor\"><\/span><b>Siyasi Bask\u0131 Teklife A\u011f\u0131rl\u0131k Kat\u0131yor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Zamanlama, teklife ek siyasi \u00f6nem kazand\u0131r\u0131yor. Ba\u015fkan Donald Trump, 19 May\u0131s\u2019ta Fed\u2019den Reserve Bank \u00f6deme hesaplar\u0131na ve hizmetlerine eri\u015fimi de\u011ferlendirmesini isteyen bir ba\u015fkanl\u0131k kararnamesi imzalad\u0131.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kararname, sigortas\u0131z mevduat kurumlar\u0131n\u0131 ve banka d\u0131\u015f\u0131 finans \u015firketlerini kaps\u0131yordu. Ayr\u0131ca dijital varl\u0131klar ve di\u011fer yeni finansal faaliyetlerle ilgilenen firmalara da at\u0131f yapt\u0131.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fed odeme hesab\u0131 teklifi, politika yap\u0131c\u0131lar\u0131n modern \u00f6deme firmalar\u0131n\u0131n merkez bankas\u0131 altyap\u0131s\u0131na nas\u0131l ba\u011flanmas\u0131 gerekti\u011fini de\u011ferlendirdi\u011fi bir d\u00f6nemde geldi.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Yonetim_Kurulu_Oylamasi_Risk_Endiselerini_Gosteriyor\"><\/span><b>Y\u00f6netim Kurulu Oylamas\u0131 Risk Endi\u015felerini G\u00f6steriyor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Teklif, Ge\u00e7ici Ba\u015fkan Jerome Powell, Ba\u015fkan Yard\u0131mc\u0131s\u0131 Philip Jefferson, Denetimden Sorumlu Ba\u015fkan Yard\u0131mc\u0131s\u0131 Michelle Bowman, Y\u00f6netim Kurulu \u00dcyesi Lisa Cook, Stephen Miran ve Christopher Waller\u2019\u0131n deste\u011fiyle kabul edildi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Y\u00f6netim Kurulu \u00dcyesi Michael Barr teklife kar\u015f\u0131 oy kulland\u0131. Barr, teklifin Fed denetimi d\u0131\u015f\u0131nda kalan firmalar i\u00e7in kara para aklama ve ter\u00f6r\u00fcn finansman\u0131 risklerine kar\u015f\u0131 yeterince g\u00fc\u00e7l\u00fc koruma i\u00e7ermedi\u011fini s\u00f6yledi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cook kamuoyu g\u00f6r\u00fc\u015f\u00fc al\u0131nmas\u0131n\u0131 destekledi. Ancak mevduat sigortas\u0131 veya kapsaml\u0131 federal denetim olmadan uygun firmalara takas ve mutabakat yetkisi verilmesinin sistemik riskleri hakk\u0131nda geri bildirim istedi.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sonuc\"><\/span><b>Sonu\u00e7<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fed odeme hesab\u0131 teklifi, <\/span><a href=\"https:\/\/www.turkishnyradio.com\/kraken-secures-federal-reserve-account-bringing-faster-usd-settlement\/\"><span style=\"font-weight: 400;\">Federal Reserve<\/span><\/a><span style=\"font-weight: 400;\"> hizmetleri \u00fczerinden do\u011frudan mutabakat arayan uygun finansal kurumlar i\u00e7in dar bir eri\u015fim yolu olu\u015fturabilir. Plan, baz\u0131 \u00f6deme ve fintech firmalar\u0131n\u0131n gecikmeleri ve bankalara ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 azaltmas\u0131na yard\u0131mc\u0131 olabilir.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yine de plan s\u0131n\u0131rl\u0131 kal\u0131yor. Yasal uygunluk kapsam\u0131n\u0131 geni\u015fletmiyor. A\u00e7\u0131k pozisyonlar\u0131 engelliyor ve master hesaplarla ba\u011flant\u0131l\u0131 temel avantajlar\u0131 d\u0131\u015far\u0131da b\u0131rak\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kamuoyu g\u00f6r\u00fc\u015f s\u00fcresi, teklifin Federal Register\u2019da yay\u0131mlanmas\u0131ndan 60 g\u00fcn sonra sona erecek. Nihai kural, geleneksel olmayan finans firmalar\u0131n\u0131n Fed odeme altyap\u0131s\u0131yla nas\u0131l etkile\u015fim kuraca\u011f\u0131n\u0131 \u015fekillendirebilir.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fed_Odeme_Hesabi_Hakkinda_Sik_Sorulan_Sorular\"><\/span><b>Fed Odeme Hesab\u0131 Hakk\u0131nda S\u0131k Sorulan Sorular<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Fed_odeme_hesabi_nedir\"><\/span><span style=\"font-weight: 400;\">1. Fed odeme hesab\u0131 nedir?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Fed \u00f6deme hesab\u0131, \u00f6nerilen s\u0131n\u0131rl\u0131 ama\u00e7l\u0131 bir hesapt\u0131r. Uygun firmalar\u0131n se\u00e7ili Federal Reserve hizmetleri \u00fczerinden \u00f6deme takas\u0131 ve mutabakat yapmas\u0131na izin verebilir.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Fed_odeme_hesabini_kimler_kullanabilir\"><\/span><span style=\"font-weight: 400;\">2. Fed odeme hesab\u0131n\u0131 kimler kullanabilir?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yaln\u0131zca yasal olarak uygun finansal kurumlar ba\u015fvurabilir. Teklif, Fed hesaplar\u0131na veya hizmetlerine yasal eri\u015fimi geni\u015fletmez.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Master_hesaptan_farki_nedir\"><\/span><span style=\"font-weight: 400;\">3. Master hesaptan fark\u0131 nedir?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tam master hesap avantajlar\u0131 sunmaz. Hesap sahipleri g\u00fcn i\u00e7i kredi, indirim penceresi eri\u015fimi veya bakiyeler \u00fczerinden faiz alamaz.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Kripto_ve_fintech_firmalari_icin_neden_onemli\"><\/span><span style=\"font-weight: 400;\">4. Kripto ve fintech firmalar\u0131 i\u00e7in neden \u00f6nemli?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bir\u00e7ok kripto, fintech ve \u00f6deme firmas\u0131 Fed odeme\u00a0 Hesab\u0131 raylar\u0131na do\u011frudan eri\u015fmek istiyor. Bu firmalar daha h\u0131zl\u0131 mutabakat ve arac\u0131 bankalara daha az ba\u011f\u0131ml\u0131l\u0131k ar\u0131yor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kaynaklar\"><\/span><span style=\"font-weight: 400;\">Kaynaklar<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.cryptotimes.io\/2026\/05\/21\/fed-payment-account-plan-could-open-settlement-rails-to-crypto-firms\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">CryptoTimes<\/span><\/a><\/p>\n<p><a href=\"https:\/\/m.economictimes.com\/markets\/us-stocks\/news\/us-stock-market-fed-weighs-new-payment-account-framework-amid-crypto-push\/articleshow\/131240337.cms\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">The Economic Times<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fed odeme hesab\u0131 teklifi, Federal Reserve Board\u2019da kamuoyu g\u00f6r\u00fc\u015f\u00fcne a\u00e7\u0131ld\u0131. Teklif, yasal olarak uygun finansal kurumlar i\u00e7in s\u0131n\u0131rl\u0131 ama\u00e7l\u0131 bir hesap olu\u015fturmay\u0131 hedefliyor. Hesap, onaylanan firmalar\u0131n \u00f6demeleri do\u011frudan temizlemesine ve sonu\u00e7land\u0131rmas\u0131na izin verecek. Bu firmalar, i\u015flemler i\u00e7in se\u00e7ili Federal Reserve hizmetlerini kullanabilecek. Teklif, kripto, fintech ve \u00f6deme odakl\u0131 firmalar\u0131 etkileyebilir. Bir\u00e7ok geleneksel olmayan kurum, uzun [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":85977,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"2","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"bottom","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_comment_section":"1","number_popup_post":"1","show_author_box":"1","show_post_related":"1","show_inline_post_related":"1"}],"image_override":[{"single_post_thumbnail_size":"no-crop","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0","subtitle":""},"jnews_primary_category":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1992,2015,2014],"tags":[11778,11772,11773,11779,11780,11781,11775,11776,11774,11777],"class_list":["post-101654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kripto-paralar","category-dunya","category-ekonomi","tag-banka-disi-erisim","tag-fed-odeme-hesabi","tag-fed-odeme-raylari","tag-federal-reserve","tag-fednow","tag-fedwire","tag-fintech-firmalari","tag-kripto-firmalari","tag-master-hesap","tag-odeme-mutabakati"],"_links":{"self":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/101654","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/comments?post=101654"}],"version-history":[{"count":3,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/101654\/revisions"}],"predecessor-version":[{"id":101669,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/101654\/revisions\/101669"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/media\/85977"}],"wp:attachment":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/media?parent=101654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/categories?post=101654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/tags?post=101654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}