{"id":108186,"date":"2026-07-22T07:15:31","date_gmt":"2026-07-22T12:15:31","guid":{"rendered":"https:\/\/www.turkishnyradio.com\/?p=108186"},"modified":"2026-07-22T08:20:45","modified_gmt":"2026-07-22T13:20:45","slug":"clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi","status":"publish","type":"post","link":"https:\/\/www.turkishnyradio.com\/tr\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/","title":{"rendered":"CLARITY Act Section 701 Kripto Varl\u0131klar\u0131n\u0131z\u0131 \u0130flas Durumunda Koruyabilir mi?"},"content":{"rendered":"<p><i><span style=\"font-weight: 400;\">Bu makale ilk olarak <a href=\"https:\/\/www.turkishnyradio.com\/\">TurkishNY Radio&#8217;da<\/a> yay\u0131mlanm\u0131\u015ft\u0131r.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Kripto para kullan\u0131c\u0131lar\u0131n\u0131n en b\u00fcy\u00fck endi\u015felerinden biri, bir borsa veya kripto kredi platformunun iflas etmesi halinde dijital varl\u0131klar\u0131na ne olaca\u011f\u0131d\u0131r.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Celsius Network gibi \u015firketlerin \u00e7\u00f6k\u00fc\u015f\u00fcn\u00fcn ard\u0131ndan bir\u00e7ok kullan\u0131c\u0131, sahip oldu\u011funu d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fc kripto varl\u0131klar\u0131n hukuken \u015firketin iflas masas\u0131na dahil edildi\u011fini \u00f6\u011frenince b\u00fcy\u00fck \u015fa\u015fk\u0131nl\u0131k ya\u015fad\u0131.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6nerilen CLARITY Act Section 701, tam da bu soruna \u00e7\u00f6z\u00fcm getirmeyi ama\u00e7l\u0131yor. ABD Senat\u00f6r\u00fc Cynthia Lummis, s\u00f6z konusu d\u00fczenlemenin, saklama (custody) hizmetlerinde tutulan ve gerekli \u015fartlar\u0131 sa\u011flayan kripto varl\u0131klar\u0131n belirli iflas s\u00fcre\u00e7lerinde m\u00fc\u015fteri mal\u0131 olarak kabul edilmesiyle kullan\u0131c\u0131lara daha g\u00fc\u00e7l\u00fc yasal koruma sa\u011flayaca\u011f\u0131n\u0131 belirtiyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tasar\u0131, kullan\u0131c\u0131lar\u0131n yaln\u0131zca bir platformun iflas etmesi nedeniyle dijital varl\u0131klar\u0131n\u0131n m\u00fclkiyetini kaybetti\u011fi durumlar\u0131n yeniden ya\u015fanmas\u0131n\u0131 \u00f6nlemeyi hedefliyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bununla birlikte teklif, her kripto hesab\u0131 i\u00e7in otomatik koruma sa\u011flam\u0131yor. Hukuk uzmanlar\u0131na g\u00f6re koruman\u0131n kapsam\u0131; hesap t\u00fcr\u00fcne, kullan\u0131c\u0131lar\u0131n hesap a\u00e7arken kabul etti\u011fi s\u00f6zle\u015fme \u015fartlar\u0131na ve dijital varl\u0131\u011f\u0131n yasa kapsam\u0131nda nas\u0131l s\u0131n\u0131fland\u0131r\u0131ld\u0131\u011f\u0131na ba\u011fl\u0131 olacak.<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#CLARITY_Act_Section_701_Neden_Dikkat_Cekiyor\" >CLARITY Act Section 701 Neden Dikkat \u00c7ekiyor?<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#CLARITY_Act_Section_701_ve_Saklama_Hesaplarina_Iliskin_Kurallar\" >CLARITY Act Section 701 ve Saklama Hesaplar\u0131na \u0130li\u015fkin Kurallar<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Celsius_Iflasi_Hesap_Sozlesmelerinin_Onemini_Gosteriyor\" >Celsius \u0130flas\u0131 Hesap S\u00f6zle\u015fmelerinin \u00d6nemini G\u00f6steriyor<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Section_701_Her_Dijital_Varligi_Kapsamiyor\" >Section 701 Her Dijital Varl\u0131\u011f\u0131 Kapsam\u0131yor<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Self-Custody_Tasarida_Ayri_Bir_Baslik_Olarak_Ele_Aliniyor\" >Self-Custody Tasar\u0131da Ayr\u0131 Bir Ba\u015fl\u0131k Olarak Ele Al\u0131n\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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Tasari_Icin_Uzun_Bir_Yasama_Sureci_Daha_Devam_Ediyor\" >Tasar\u0131 \u0130\u00e7in Uzun Bir Yasama S\u00fcreci Daha Devam Ediyor<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Ozet\" >\u00d6zet<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Temel_Terimler_Sozlugu\" >Temel Terimler S\u00f6zl\u00fc\u011f\u00fc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.turkishnyradio.com\/tr\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#CLARITY_Act_Section_701_Hakkinda_Sik_Sorulan_Sorular\" >CLARITY Act Section 701 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-10\" href=\"https:\/\/www.turkishnyradio.com\/tr\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#1_CLARITY_Act_Section_701_nedir\" >1. CLARITY Act Section 701 nedir?<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#2_CLARITY_Act_Section_701_tum_kripto_hesaplarini_korur_mu\" >2. CLARITY Act Section 701 t\u00fcm kripto hesaplar\u0131n\u0131 korur mu?<\/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\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#3_CLARITY_Act_Section_701_neden_kripto_kullanicilari_icin_onemlidir\" >3. CLARITY Act Section 701 neden kripto kullan\u0131c\u0131lar\u0131 i\u00e7in \u00f6nemlidir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.turkishnyradio.com\/tr\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#4_CLARITY_Act_Section_701_yururluge_girdi_mi\" >4. CLARITY Act Section 701 y\u00fcr\u00fcrl\u00fc\u011fe girdi mi?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.turkishnyradio.com\/tr\/clarity-act-section-701-kripto-varliklarinizi-iflas-durumunda-koruyabilir-mi\/#Kaynaklar\" >Kaynaklar<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"CLARITY_Act_Section_701_Neden_Dikkat_Cekiyor\"><\/span><b>CLARITY Act Section 701 Neden Dikkat \u00c7ekiyor?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Senat\u00f6r Cynthia Lummis, k\u0131sa s\u00fcre \u00f6nce X platformunda yapt\u0131\u011f\u0131 payla\u015f\u0131mda tasar\u0131n\u0131n amac\u0131n\u0131 \u015fu s\u00f6zlerle \u00f6zetledi:<\/span><\/p>\n<blockquote><p><em><span style=\"font-weight: 400;\">&#8220;Kripto varl\u0131klar\u0131n\u0131z size ait kal\u0131r.&#8221;<\/span><\/em><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Bu a\u00e7\u0131klama, 2022 y\u0131l\u0131nda ya\u015fanan kripto kredi platformu iflaslar\u0131ndan \u00e7\u0131kar\u0131lan \u00f6nemli dersleri yans\u0131t\u0131yor. Celsius&#8217;un iflas s\u00fcrecinde bir\u00e7ok kullan\u0131c\u0131, hesaplar\u0131nda g\u00f6r\u00fcnen bakiyelerin h\u00e2l\u00e2 kendilerine ait oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyordu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ancak mahkeme, platformun Earn program\u0131n\u0131 kullanan m\u00fc\u015fterilerin, hesap s\u00f6zle\u015fmesindeki \u015fartlar uyar\u0131nca kripto varl\u0131klar\u0131n\u0131n m\u00fclkiyetini Celsius&#8217;a devretti\u011fine h\u00fckmetti. Bu nedenle kullan\u0131c\u0131lar, varl\u0131k sahibi yerine teminats\u0131z alacakl\u0131 (unsecured creditor) stat\u00fcs\u00fcnde de\u011ferlendirildi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ABD Senato Bankac\u0131l\u0131k Komitesi taraf\u0131ndan yay\u0131mlanan g\u00fcncel yasa metnine g\u00f6re, CLARITY Act Section 701, saklama hizmeti kapsam\u0131nda m\u00fc\u015fteriler ad\u0131na tutulan ve gerekli \u015fartlar\u0131 sa\u011flayan dijital emtialar ile yard\u0131mc\u0131 dijital varl\u0131klar\u0131, belirli Chapter 7 iflas davalar\u0131nda m\u00fc\u015fteri mal\u0131 olarak s\u0131n\u0131fland\u0131racak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tasar\u0131 yasala\u015f\u0131rsa, s\u00f6z konusu varl\u0131klar genel olarak iflas eden \u015firketin mal varl\u0131\u011f\u0131ndan ayr\u0131 tutulacak ve \u015firketin alacakl\u0131lar\u0131na \u00f6deme yapmak i\u00e7in kullan\u0131lmayacak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kongre taraf\u0131ndan kabul edilmesi halinde bu d\u00fczenleme, ABD&#8217;deki dijital varl\u0131k sahiplerine daha net iflas korumalar\u0131 sa\u011flayan \u00f6nemli bir ad\u0131m olabilir. Ancak sunaca\u011f\u0131 koruman\u0131n kapsam\u0131, m\u00fc\u015fteriler ile kripto platformlar\u0131 aras\u0131ndaki hukuki ili\u015fkinin niteli\u011fine ba\u011fl\u0131 olmaya devam edecek.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"CLARITY_Act_Section_701_ve_Saklama_Hesaplarina_Iliskin_Kurallar\"><\/span><b>CLARITY Act Section 701 ve Saklama Hesaplar\u0131na \u0130li\u015fkin Kurallar<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">CLARITY Act Section 701&#8217;in en dikkat \u00e7ekici y\u00f6nlerinden biri, saklama (custody) hesaplar\u0131 ile kredi veya getiri (yield) hesaplar\u0131n\u0131 birbirinden farkl\u0131 de\u011ferlendirmesidir. Teklif, saklama hizmetinde tutulan <a href=\"https:\/\/www.turkishnyradio.com\/clarity-act-news-noble-endorses-digital-asset-bill-in-major-crypto-regulation-shift\/\">kripto varl\u0131klar<\/a> i\u00e7in daha g\u00fc\u00e7l\u00fc koruma sa\u011flarken, bu korumay\u0131 borsalar\u0131n sundu\u011fu t\u00fcm hesap t\u00fcrlerine otomatik olarak geni\u015fletmiyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bir platform yaln\u0131zca m\u00fc\u015fteri ad\u0131na dijital varl\u0131klar\u0131 sakl\u0131yorsa, bu varl\u0131klar\u0131n m\u00fclkiyeti genel olarak m\u00fc\u015fteride kalmaya devam ediyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6nerilen d\u00fczenlemeye g\u00f6re, gerekli \u015fartlar\u0131 sa\u011flayan ve saklama hizmetinde tutulan varl\u0131klar, belirli Chapter 7 iflas s\u00fcre\u00e7lerinde m\u00fc\u015fteri mal\u0131 olarak de\u011ferlendirilecek. Bu da platformun iflas etmesi durumunda kullan\u0131c\u0131lar\u0131n varl\u0131klar\u0131n\u0131 geri almas\u0131n\u0131 kolayla\u015ft\u0131rabilecek.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kredi ve getiri \u00fcr\u00fcnleri ise farkl\u0131 \u015fekilde i\u015fliyor. Bu t\u00fcr hizmetlerde kullan\u0131c\u0131lar, faiz veya \u00f6d\u00fcl kazanmak kar\u015f\u0131l\u0131\u011f\u0131nda kripto varl\u0131klar\u0131n\u0131 platforma \u00f6d\u00fcn\u00e7 vermeyi kabul ediyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu s\u00f6zle\u015fme ile m\u00fclkiyet platforma ge\u00e7ti\u011finde, varl\u0131klar\u0131n yasal sahibi platform olurken, kullan\u0131c\u0131 yaln\u0131zca s\u00f6zle\u015fmeye dayal\u0131 geri \u00f6deme hakk\u0131na sahip oluyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Normal \u015fartlarda \u00f6nemsiz gibi g\u00f6r\u00fcnen bu fark, platformun iflas etmesi halinde kullan\u0131c\u0131lar a\u00e7\u0131s\u0131ndan ciddi hukuki sonu\u00e7lar do\u011furabiliyor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Celsius_Iflasi_Hesap_Sozlesmelerinin_Onemini_Gosteriyor\"><\/span><b>Celsius \u0130flas\u0131 Hesap S\u00f6zle\u015fmelerinin \u00d6nemini G\u00f6steriyor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Celsius&#8217;un \u00e7\u00f6k\u00fc\u015f\u00fc, hesap s\u00f6zle\u015fmelerinin neden dikkatle okunmas\u0131 gerekti\u011fini g\u00f6steren en \u00f6nemli \u00f6rneklerden biri olarak kabul ediliyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ABD New York G\u00fcney B\u00f6lgesi \u0130flas Mahkemesi kay\u0131tlar\u0131na g\u00f6re Celsius, iflas ba\u015fvurusu yapmadan \u00f6nce yakla\u015f\u0131k 600 bin Earn hesab\u0131nda 4,2 milyar dolar de\u011ferinde kripto varl\u0131k bulunduruyordu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bir\u00e7ok kullan\u0131c\u0131, hesaplar\u0131nda g\u00f6r\u00fcnen kripto varl\u0131klar\u0131n h\u00e2l\u00e2 kendilerine ait oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyordu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ancak Ocak 2023&#8217;te Yarg\u0131\u00e7 Martin Glenn, Earn program\u0131na kat\u0131lan kullan\u0131c\u0131lar\u0131n, platformun Kullan\u0131m Ko\u015fullar\u0131 (Terms of Use) kapsam\u0131nda kripto varl\u0131klar\u0131n\u0131n m\u00fclkiyetini Celsius&#8217;a devretmeyi kabul etti\u011fine h\u00fckmetti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu s\u00f6zle\u015fme h\u00fck\u00fcmleri nedeniyle s\u00f6z konusu varl\u0131klar \u015firketin iflas masas\u0131na dahil edildi ve Earn kullan\u0131c\u0131lar\u0131, yat\u0131rd\u0131klar\u0131 kripto varl\u0131klar\u0131n sahibi yerine teminats\u0131z alacakl\u0131 stat\u00fcs\u00fcnde de\u011ferlendirildi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu dava CLARITY Act Section 701 teklifinden \u00f6nce ger\u00e7ekle\u015fmi\u015f olsa da, yasa koyucular\u0131n \u00e7\u00f6zmeye \u00e7al\u0131\u015ft\u0131\u011f\u0131 hukuki belirsizli\u011fi a\u00e7\u0131k \u015fekilde ortaya koyuyor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Section_701_Her_Dijital_Varligi_Kapsamiyor\"><\/span><b>Section 701 Her Dijital Varl\u0131\u011f\u0131 Kapsam\u0131yor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yat\u0131r\u0131mc\u0131lar\u0131n dikkat etmesi gereken bir di\u011fer \u00f6nemli nokta ise CLARITY Act Section 701&#8217;in t\u00fcm dijital varl\u0131klar i\u00e7in tek tip bir iflas kural\u0131 getirmemesi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Teklif, yaln\u0131zca m\u00fc\u015fteriler ad\u0131na tutulan ve gerekli \u015fartlar\u0131 sa\u011flayan dijital emtialar (digital commodities) ile yard\u0131mc\u0131 dijital varl\u0131klar\u0131 (ancillary assets) kaps\u0131yor. Di\u011fer finansal \u00fcr\u00fcnler ise mevcut yasal d\u00fczenlemelere tabi olmaya devam ediyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6rne\u011fin menkul k\u0131ymetler Securities Investor Protection Act (SIPA) kapsam\u0131nda de\u011ferlendirilirken, banka mevduatlar\u0131 ile emtia s\u00f6zle\u015fmeleri bankac\u0131l\u0131k ve emtia mevzuat\u0131na g\u00f6re i\u015flem g\u00f6r\u00fcyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6deme ama\u00e7l\u0131 stablecoin&#8217;ler ise CLARITY Act&#8217;in ba\u015fka bir b\u00f6l\u00fcm\u00fcnde ek a\u00e7\u0131klama y\u00fck\u00fcml\u00fcl\u00fckleri kapsam\u0131nda ayr\u0131 olarak ele al\u0131n\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu nedenle kullan\u0131c\u0131lar\u0131n sahip oldu\u011fu koruma, yaln\u0131zca bir platformun iflas edip etmemesine ba\u011fl\u0131 de\u011fil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dijital varl\u0131\u011f\u0131n t\u00fcr\u00fc, kullan\u0131lan hesap modeli ve kullan\u0131c\u0131 ile platform aras\u0131ndaki hukuki s\u00f6zle\u015fme, iflas s\u00fcrecinde bu varl\u0131klar\u0131n nas\u0131l de\u011ferlendirilece\u011fini belirleyen temel unsurlar aras\u0131nda yer al\u0131yor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Self-Custody_Tasarida_Ayri_Bir_Baslik_Olarak_Ele_Aliniyor\"><\/span><b>Self-Custody Tasar\u0131da Ayr\u0131 Bir Ba\u015fl\u0131k Olarak Ele Al\u0131n\u0131yor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00d6nerilen yasa, kullan\u0131c\u0131lar\u0131n kendi kontrol\u00fcnde tuttu\u011fu kripto varl\u0131klar ile \u00fc\u00e7\u00fcnc\u00fc taraf platformlarda saklanan varl\u0131klar aras\u0131nda da net bir ayr\u0131m yap\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CLARITY Act Section 701 saklama hizmeti sunan kurulu\u015flar taraf\u0131ndan tutulan varl\u0131klara odaklan\u0131rken, Section 605 kullan\u0131c\u0131lar\u0131n yasal self-custody hakk\u0131n\u0131 korumay\u0131 ama\u00e7l\u0131yor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Basit\u00e7e ifade etmek gerekirse, <a href=\"https:\/\/www.turkishnyradio.com\/sec-drops-gemini-lawsuit-after-all-earn-users-repaid-in-full\/\">kripto varl\u0131klar\u0131n\u0131<\/a> kendi c\u00fczdanlar\u0131nda saklayan ve \u00f6zel anahtarlar\u0131n\u0131 (private keys) kontrol eden kullan\u0131c\u0131lar, varl\u0131klar\u0131n\u0131n do\u011frudan sahibi olmaya devam edecek.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bununla birlikte tasar\u0131, mevcut kara para aklamay\u0131 \u00f6nleme (AML) kurallar\u0131, yapt\u0131r\u0131mlar veya di\u011fer kolluk kuvvetlerinin yetkilerinde herhangi bir de\u011fi\u015fiklik \u00f6ng\u00f6rm\u00fcyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Self-custody&#8217;nin saklama hizmetlerinden ayr\u0131 de\u011ferlendirilmesi, yasa koyucular\u0131n kendi \u00f6zel anahtarlar\u0131n\u0131 elinde bulunduran kullan\u0131c\u0131larla merkezi borsa veya kredi platformlar\u0131na g\u00fcvenerek varl\u0131klar\u0131n\u0131 teslim eden kullan\u0131c\u0131lar aras\u0131nda farkl\u0131 bir hukuki ili\u015fki bulundu\u011funu kabul etti\u011fini g\u00f6steriyor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tasari_Icin_Uzun_Bir_Yasama_Sureci_Daha_Devam_Ediyor\"><\/span><b>Tasar\u0131 \u0130\u00e7in Uzun Bir Yasama S\u00fcreci Daha Devam Ediyor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">CLARITY Act Section 701, kripto sekt\u00f6r\u00fcnde b\u00fcy\u00fck ilgi g\u00f6rm\u00fc\u015f olsa da bunun h\u00e2l\u00e2 yaln\u0131zca bir yasa teklifi oldu\u011funu unutmamak gerekiyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ABD Senatosu Bankac\u0131l\u0131k Komitesi d\u00fczenlemeyi onaylam\u0131\u015f durumda, ancak daha geni\u015f kapsaml\u0131 dijital varl\u0131k piyasa yap\u0131s\u0131 paketinin Kongre&#8217;de ilerleyebilmesi i\u00e7in \u00f6ncelikle Senato s\u00fcrecinden ge\u00e7mesi gerekiyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Her yasama s\u00fcrecinde oldu\u011fu gibi, nihai metin kabul edilmeden \u00f6nce milletvekilleri tasar\u0131n\u0131n baz\u0131 b\u00f6l\u00fcmlerinde de\u011fi\u015fiklik yapabilir.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">E\u011fer yasala\u015f\u0131rsa, bu d\u00fczenleme kripto saklama hizmetlerini kullanan m\u00fc\u015fteriler i\u00e7in daha g\u00fc\u00e7l\u00fc hukuki koruma sa\u011flayabilir.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bununla birlikte Celsius iflas\u0131, yat\u0131r\u0131mc\u0131lar\u0131n kulland\u0131klar\u0131 \u00fcr\u00fcnlerin \u015fartlar\u0131n\u0131 dikkatle anlamalar\u0131 gerekti\u011fini hat\u0131rlatan \u00f6nemli bir \u00f6rnek olmaya devam ediyor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kripto varl\u0131klar\u0131n yaln\u0131zca saklanmas\u0131 ile kredi veya getiri programlar\u0131 arac\u0131l\u0131\u011f\u0131yla yasal m\u00fclkiyetinin platforma devredilmesi aras\u0131nda b\u00fcy\u00fck fark bulunuyor. Bir platform daha sonra iflas ederse, bu fark kullan\u0131c\u0131lar\u0131n haklar\u0131n\u0131 do\u011frudan etkileyebilir.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ozet\"><\/span><b>\u00d6zet<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">CLARITY Act Section 701, saklama hizmetlerinde tutulan ve gerekli \u015fartlar\u0131 sa\u011flayan m\u00fc\u015fteri kriptolar\u0131n\u0131n \u015firket iflas masas\u0131na dahil edilmesini \u00f6nlemeyi ama\u00e7l\u0131yor.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Tasar\u0131, bir\u00e7ok Earn kullan\u0131c\u0131s\u0131n\u0131n hesap s\u00f6zle\u015fmeleri nedeniyle dijital varl\u0131klar\u0131n\u0131n m\u00fclkiyetini platformlara devretti\u011fini fark etti\u011fi Celsius iflas\u0131ndan al\u0131nan derslerle \u015fekillendi.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Kullan\u0131c\u0131lar\u0131n korunmas\u0131; hesap t\u00fcr\u00fc, varl\u0131\u011f\u0131n hukuki s\u0131n\u0131fland\u0131r\u0131lmas\u0131 ve kabul edilen s\u00f6zle\u015fme \u015fartlar\u0131 gibi bir\u00e7ok fakt\u00f6re ba\u011fl\u0131 olacak.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">D\u00fczenleme, kripto iflas kurallar\u0131n\u0131 daha net hale getirme yolunda \u00f6nemli bir ad\u0131m olsa da hen\u00fcz yasala\u015fmad\u0131 ve y\u00fcr\u00fcrl\u00fc\u011fe girmesi i\u00e7in ABD yasama s\u00fcrecinin tamamlanmas\u0131 gerekiyor.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Temel_Terimler_Sozlugu\"><\/span><b>Temel Terimler S\u00f6zl\u00fc\u011f\u00fc<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>1. CLARITY Act Section 701<\/b><\/p>\n<p><span style=\"font-weight: 400;\">ABD&#8217;deki CLARITY Act tasar\u0131s\u0131n\u0131n, belirli iflas s\u00fcre\u00e7lerinde uygun \u015fartlar\u0131 sa\u011flayan m\u00fc\u015fteri kripto varl\u0131klar\u0131n\u0131 m\u00fc\u015fteri mal\u0131 olarak de\u011ferlendirerek koruma sa\u011flamay\u0131 ama\u00e7layan b\u00f6l\u00fcm\u00fcd\u00fcr.<\/span><\/p>\n<p><b>2. Custody Account (Saklama Hesab\u0131)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bir kripto borsas\u0131n\u0131n veya saklama kurulu\u015funun dijital varl\u0131klar\u0131 kullan\u0131c\u0131 ad\u0131na tuttu\u011fu hesap t\u00fcr\u00fcd\u00fcr. Kullan\u0131c\u0131 genellikle bu varl\u0131klar\u0131n yasal sahibi olmaya devam eder.<\/span><\/p>\n<p><b>3. Self-Custody (Kendi Kendine Saklama)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kripto varl\u0131klar\u0131n kullan\u0131c\u0131n\u0131n kendi c\u00fczdan\u0131nda tutulmas\u0131 ve \u00f6zel anahtarlar\u0131n kullan\u0131c\u0131 taraf\u0131ndan kontrol edilmesi y\u00f6ntemidir. Bu sistemde kullan\u0131c\u0131 varl\u0131klar\u0131 \u00fczerinde do\u011frudan kontrol sahibidir.<\/span><\/p>\n<p><b>4. Chapter 7 Bankruptcy (B\u00f6l\u00fcm 7 \u0130flas\u0131)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">ABD hukukunda bir \u015firketin varl\u0131klar\u0131n\u0131n tasfiye edilerek alacakl\u0131lara \u00f6deme yap\u0131lmas\u0131n\u0131 sa\u011flayan iflas s\u00fcrecidir. CLARITY Act Section 701, belirli m\u00fc\u015fteri kripto varl\u0131klar\u0131n\u0131n bu s\u00fcre\u00e7te nas\u0131l de\u011ferlendirilece\u011fini de\u011fi\u015ftirmeyi ama\u00e7l\u0131yor.<\/span><\/p>\n<p><b>5. Digital Commodity (Dijital Emtia)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6nerilen yasa kapsam\u0131nda tan\u0131mlanan dijital varl\u0131k kategorilerinden biridir. Gerekli ko\u015fullar\u0131 kar\u015f\u0131layan dijital emtialar, iflas s\u00fcre\u00e7lerinde ek koruma kapsam\u0131na girebilir.<\/span><\/p>\n<p><b>6. Earn Account (Kazan\u00e7 Hesab\u0131)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kullan\u0131c\u0131lar\u0131n dijital varl\u0131klar\u0131n\u0131 yat\u0131rarak faiz veya getiri elde etmelerini sa\u011flayan kripto \u00fcr\u00fcn\u00fcd\u00fcr. Bu t\u00fcr programlarda kullan\u0131c\u0131lar baz\u0131 durumlarda kripto varl\u0131klar\u0131n\u0131n m\u00fclkiyetini platforma devredebilir.<\/span><\/p>\n<p><b>7. Unsecured Creditor (Teminats\u0131z Alacakl\u0131)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u0130flas eden bir \u015firketten alaca\u011f\u0131 bulunan ancak belirli varl\u0131klar \u00fczerinde do\u011frudan hakk\u0131 olmayan ki\u015fi veya kurumdur. Bu alacakl\u0131lar genellikle \u00f6ncelikli talepler kar\u015f\u0131land\u0131ktan sonra \u00f6deme al\u0131r.<\/span><\/p>\n<p><b>8. Terms of Use (Kullan\u0131m Ko\u015fullar\u0131)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bir kripto platformunda hesap a\u00e7arken kabul edilen hukuki s\u00f6zle\u015fmedir. Kullan\u0131c\u0131n\u0131n haklar\u0131n\u0131, sorumluluklar\u0131n\u0131 ve \u015firket iflas etti\u011finde kripto varl\u0131klar\u0131n kime ait olaca\u011f\u0131n\u0131 belirleyebilir.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"CLARITY_Act_Section_701_Hakkinda_Sik_Sorulan_Sorular\"><\/span><b>CLARITY Act Section 701 Hakk\u0131nda S\u0131k Sorulan Sorular<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_CLARITY_Act_Section_701_nedir\"><\/span><b>1. CLARITY Act Section 701 nedir?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">CLARITY Act Section 701, bir platform iflas etti\u011finde uygun \u015fartlar\u0131 sa\u011flayan m\u00fc\u015fteri kripto varl\u0131klar\u0131n\u0131 korumay\u0131 ama\u00e7layan \u00f6nerilen ABD d\u00fczenlemesidir.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_CLARITY_Act_Section_701_tum_kripto_hesaplarini_korur_mu\"><\/span><b>2. CLARITY Act Section 701 t\u00fcm kripto hesaplar\u0131n\u0131 korur mu?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Hay\u0131r. Koruma kapsam\u0131; hesap t\u00fcr\u00fcne, kullan\u0131lan varl\u0131\u011fa ve kullan\u0131c\u0131 ile platform aras\u0131ndaki s\u00f6zle\u015fme \u015fartlar\u0131na ba\u011fl\u0131d\u0131r.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_CLARITY_Act_Section_701_neden_kripto_kullanicilari_icin_onemlidir\"><\/span><b>3. CLARITY Act Section 701 neden kripto kullan\u0131c\u0131lar\u0131 i\u00e7in \u00f6nemlidir?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tasar\u0131, uygun saklama hesaplar\u0131ndaki kripto varl\u0131klar\u0131n \u015firket iflas masas\u0131na dahil edilmesini \u00f6nleyerek kullan\u0131c\u0131lara daha g\u00fc\u00e7l\u00fc hukuki koruma sa\u011flayabilir.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_CLARITY_Act_Section_701_yururluge_girdi_mi\"><\/span><b>4. CLARITY Act Section 701 y\u00fcr\u00fcrl\u00fc\u011fe girdi mi?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Hay\u0131r. Tasar\u0131 Senato Bankac\u0131l\u0131k Komitesi&#8217;nden ge\u00e7ti ancak ABD yasas\u0131 haline gelmesi i\u00e7in kalan yasama a\u015famalar\u0131ndan ge\u00e7mesi gerekiyor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kaynaklar\"><\/span><b>Kaynaklar<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.banking.senate.gov\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">ABD Senatosu Bankac\u0131l\u0131k Komitesi<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/house-bill\/3633\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Congress.gov<\/span><\/a><\/p>\n<p><a href=\"https:\/\/cryptoslate.com\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">CryptoSlate<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bu makale ilk olarak TurkishNY Radio&#8217;da yay\u0131mlanm\u0131\u015ft\u0131r. Kripto para kullan\u0131c\u0131lar\u0131n\u0131n en b\u00fcy\u00fck endi\u015felerinden biri, bir borsa veya kripto kredi platformunun iflas etmesi halinde dijital varl\u0131klar\u0131na ne olaca\u011f\u0131d\u0131r. Celsius Network gibi \u015firketlerin \u00e7\u00f6k\u00fc\u015f\u00fcn\u00fcn ard\u0131ndan bir\u00e7ok kullan\u0131c\u0131, sahip oldu\u011funu d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fc kripto varl\u0131klar\u0131n hukuken \u015firketin iflas masas\u0131na dahil edildi\u011fini \u00f6\u011frenince b\u00fcy\u00fck \u015fa\u015fk\u0131nl\u0131k ya\u015fad\u0131. \u00d6nerilen CLARITY Act Section 701, [&hellip;]<\/p>\n","protected":false},"author":53,"featured_media":97071,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","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"},"jnews_primary_category":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[2014],"tags":[11029],"class_list":["post-108186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-clarity-act"],"_links":{"self":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/108186","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\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/comments?post=108186"}],"version-history":[{"count":4,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/108186\/revisions"}],"predecessor-version":[{"id":108231,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/108186\/revisions\/108231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/media\/97071"}],"wp:attachment":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/media?parent=108186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/categories?post=108186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/tags?post=108186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}