{"id":96360,"date":"2026-04-11T09:16:46","date_gmt":"2026-04-11T14:16:46","guid":{"rendered":"https:\/\/www.turkishnyradio.com\/?p=96360"},"modified":"2026-04-10T09:03:33","modified_gmt":"2026-04-10T14:03:33","slug":"genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda","status":"publish","type":"post","link":"https:\/\/www.turkishnyradio.com\/tr\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/","title":{"rendered":"GENIUS Yasas\u0131 Kurallar\u0131: Stabil Kripto Para Firmalar\u0131 Art\u0131k Kullan\u0131c\u0131lar\u0131 Takip Etmek, Raporlamak ve Engellemek Zorunda"},"content":{"rendered":"<div id=\"model-response-message-contentr_d41c07857b4cfffc\" class=\"markdown markdown-main-panel stronger enable-updated-hr-color\" dir=\"ltr\" aria-live=\"polite\">\n<p data-path-to-node=\"1\">Bu makale ilk olarak <a href=\"https:\/\/www.turkishnyradio.com\/\">TurkishNYR<\/a> \u00fczerinde yay\u0131nlanm\u0131\u015ft\u0131r.<\/p>\n<p data-path-to-node=\"2\">Yasa d\u0131\u015f\u0131 finansla m\u00fccadelesini kazanmak amac\u0131yla, ABD Hazinesi&#8217;nin Nisan 2026&#8217;da GENIUS Yasas\u0131 kurallar\u0131 kapsam\u0131nda sundu\u011fu teklif, \u00f6deme ama\u00e7l\u0131 stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131n\u0131 t\u00fcm Amerikal\u0131lar i\u00e7in bu m\u00fccadelenin \u00f6nc\u00fcleri haline getirdi.<\/p>\n<p data-path-to-node=\"3\">FinCEN\/OFAC ortak kural\u0131, \u0130zin Verilen \u00d6deme Ama\u00e7l\u0131 Stabil Kripto Para \u0130hra\u00e7\u00e7\u0131lar\u0131n\u0131 (PPSI&#8217;ler), Banka Gizlilik Yasas\u0131 (BSA) uyar\u0131nca finansal kurumlar olarak kabul ederek Kongre&#8217;nin GENIUS Yasas\u0131&#8217;n\u0131 daha kapsaml\u0131 bir \u015fekilde uygulamaya koyuyor.<\/p>\n<p data-path-to-node=\"4\">Bu durum ger\u00e7ekte, dolar destekli stabil kripto para firmalar\u0131n\u0131n, bankalar\u0131nkine benzer, ancak kendi merkeziyetsiz teknolojilerine g\u00f6re \u00f6zelle\u015ftirilmi\u015f eksiksiz bir kara para aklamay\u0131 \u00f6nleme (AML) ve ter\u00f6rizmin finansman\u0131 ile m\u00fccadele (CFT) programlar\u0131 olu\u015fturmalar\u0131 gerekti\u011fi anlam\u0131na geliyordu. \u00d6nerilen kural, PPSI&#8217;lerin kapsaml\u0131 AML\/CFT programlar\u0131 uygulamalar\u0131n\u0131, m\u00fc\u015fteri durum tespiti yapmalar\u0131n\u0131, \u015f\u00fcpheli faaliyetleri bildirmelerini ve hatta a\u011flar\u0131ndaki yasa d\u0131\u015f\u0131 i\u015flemleri engelleme veya dondurma teknik kapasitesine sahip olmalar\u0131n\u0131 \u015fart ko\u015fuyor.<\/p>\n<p data-path-to-node=\"5\">Ayn\u0131 zamanda Hazine, gereklilikleri sekt\u00f6r\u00fcn benzersiz \u00f6zelliklerine g\u00f6re kalibre ederek \u00f6deme ama\u00e7l\u0131 stabil kripto paralarda inovasyonu te\u015fvik etmeyi ama\u00e7l\u0131yor.<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Onerilen_GENIUS_Yasasi_Kurallarina_Genel_Bakis\" >\u00d6nerilen GENIUS Yasas\u0131 Kurallar\u0131na Genel Bak\u0131\u015f<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#GENIUS_Yasasi_Kapsaminda_Stabil_Kripto_Para_Ihraccilari_Icin_Gereklilikler\" >GENIUS Yasas\u0131 Kapsam\u0131nda Stabil Kripto Para \u0130hra\u00e7\u00e7\u0131lar\u0131 \u0130\u00e7in Gereklilikler<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Eyalet_Gozetimi_Secenegi_ile_Duzenleyici_Cerceve\" >Eyalet G\u00f6zetimi Se\u00e7ene\u011fi ile D\u00fczenleyici \u00c7er\u00e7eve<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Sektor_Tepkisi_ve_Analizi\" >Sekt\u00f6r Tepkisi ve Analizi<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Sonuc\" >Sonu\u00e7<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Sozluk\" >S\u00f6zl\u00fck<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Onerilen_GENIUS_Yasasi_Kurallari_Hakkinda_Sikca_Sorulan_Sorular\" >\u00d6nerilen GENIUS Yasas\u0131 Kurallar\u0131 Hakk\u0131nda S\u0131k\u00e7a 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-8\" href=\"https:\/\/www.turkishnyradio.com\/tr\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#GENIUS_Yasasi_nedir\" >GENIUS Yasas\u0131 nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.turkishnyradio.com\/tr\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#GENIUS_Yasasi_Kurallarina_kimlerin_uymasi_zorunludur\" >GENIUS Yasas\u0131 Kurallar\u0131na kimlerin uymas\u0131 zorunludur?<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Stabil_kripto_para_ihraccilarina_hangi_AMLCFT_gereklilikleri_uygulanacak\" >Stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131na hangi AML\/CFT gereklilikleri uygulanacak?<\/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\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Bunun_mevcut_banka_kurallarindan_farki_nedir\" >Bunun mevcut banka kurallar\u0131ndan fark\u0131 nedir?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.turkishnyradio.com\/tr\/genius-yasasi-kurallari-stabil-kripto-para-firmalari-artik-kullanicilari-takip-etmek-raporlamak-ve-engellemek-zorunda\/#Referanslar\" >Referanslar<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-path-to-node=\"6\"><span class=\"ez-toc-section\" id=\"Onerilen_GENIUS_Yasasi_Kurallarina_Genel_Bakis\"><\/span><b data-path-to-node=\"6\" data-index-in-node=\"0\">\u00d6nerilen GENIUS Yasas\u0131 Kurallar\u0131na Genel Bak\u0131\u015f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"7\">8 Nisan 2026&#8217;da duyurulan \u00f6nerilen kural, GENIUS Yasas\u0131&#8217;n\u0131n \u00f6deme ama\u00e7l\u0131 stabil kripto paralar i\u00e7in gerekliliklerini uygulayan ilk resmi d\u00fczenlemedir. Bu kural, \u00f6demeler i\u00e7in ABD dolar\u0131 cinsinden stabil kripto paralar ihra\u00e7 eden ve talep \u00fczerine geri \u00f6demelere izin veren &#8220;izin verilen \u00f6deme ama\u00e7l\u0131 stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131n\u0131&#8221; (PPSI&#8217;ler) y\u00f6netir. Temel unsurlar \u015funlard\u0131r:<\/p>\n<p data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">AML\/CFT Program\u0131:<\/b> PPSI&#8217;ler bir kara para aklamay\u0131 \u00f6nleme ve ter\u00f6rizmin finansman\u0131 ile m\u00fccadele program\u0131 geli\u015ftirmeli ve s\u00fcrd\u00fcrmelidir. Bu; risk de\u011ferlendirmelerini, politikalar\u0131 ve prosed\u00fcrleri, i\u00e7 kontrolleri ve s\u00fcrekli e\u011fitimi, yani bankalar\u0131n BSA kapsam\u0131nda yapt\u0131klar\u0131n\u0131 kopyalamay\u0131 i\u00e7erir.<\/p>\n<p data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">M\u00fc\u015fteri Dur Tespiti:<\/b> \u0130hra\u00e7\u00e7\u0131lar m\u00fc\u015fterilerini tan\u0131mlamal\u0131 ve do\u011frulamal\u0131, ayr\u0131ca y\u00fcksek riskli m\u00fc\u015fteriler \u00fczerinde geli\u015ftirilmi\u015f durum tespiti yapmal\u0131d\u0131r. Bu, PPSI&#8217;leri geleneksel finansal kurumlar\u0131n &#8220;m\u00fc\u015fterini tan\u0131&#8221; standartlar\u0131yla ayn\u0131 seviyeye getirir.<\/p>\n<p data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">\u015e\u00fcpheli Faaliyet Raporlar\u0131:<\/b> PPSI&#8217;lerin, bankalar\u0131n izledi\u011fi 5.000 dolarl\u0131k e\u015fi\u011fin \u00fczerindeki i\u015flemler i\u00e7in \u015e\u00fcpheli Faaliyet Raporlar\u0131 (SAR&#8217;lar) doldurmas\u0131 gerekir. \u015e\u00fcpheli transferler veya kal\u0131plar (blok zinciri a\u011flar\u0131 dahil) FinCEN&#8217;e bildirilmelidir.<\/p>\n<p data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">\u0130\u015flem \u0130zleme ve Kontroller:<\/b> Blok zinciri \u00fczerindeki ticarete ek olarak, PPSI&#8217;ler ilk kez yasa d\u0131\u015f\u0131 i\u015flemleri engelleme, dondurma ve reddetme teknik kabiliyetlerine sahip olacak. Bu onlara token ihrac\u0131 ve transferleri \u00fczerinde kontrol sa\u011flayarak, yasa d\u0131\u015f\u0131 stabil kripto para i\u015flemlerini zincir \u00fczerinde geri alabilmelerini m\u00fcmk\u00fcn k\u0131l\u0131yor.<\/p>\n<p data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">Yapt\u0131r\u0131m Uyumu:<\/b> Teklif, PPSI&#8217;lerin etkili bir yapt\u0131r\u0131m uyum program\u0131 y\u00fcr\u00fctmesi \u015fart\u0131n\u0131 i\u00e7erir. \u0130\u015flemleri OFAC listelerine g\u00f6re taramalar\u0131, yapt\u0131r\u0131m uygulanan ki\u015fileri i\u00e7eren her t\u00fcrl\u00fc i\u015flemi engellemeleri veya reddetmeleri ve kas\u0131tl\u0131 ihlalleri bildirmeleri gerekmektedir.<\/p>\n<p data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">Yasal Emirlere Uyum:<\/b> PPSI&#8217;ler yasal emirlere (\u00f6rne\u011fin mahkeme kararlar\u0131, mahkeme celpleri) tam olarak uyma kapasitesine sahip olmal\u0131d\u0131r. Kural, <a href=\"https:\/\/www.turkishnyradio.com\/fdic-stablecoin-regulation-proposal-sets-strict-rules-under-genius-act\/\">ihra\u00e7\u00e7\u0131lar\u0131n<\/a> her t\u00fcrl\u00fc yasal engelleme veya varl\u0131k el koyma emrine uymas\u0131 gerekti\u011fini, hatta gerekirse su\u00e7 ma\u011fdurlar\u0131na de\u011fer iadesi yapmak i\u00e7in tokenlar\u0131n imha edilmesini (yak\u0131lmas\u0131n\u0131) belirtir.<\/p>\n<p data-path-to-node=\"14\"><b data-path-to-node=\"14\" data-index-in-node=\"0\">Ba\u011f\u0131ms\u0131z Test ve Y\u00f6neti\u015fim:<\/b> Bankalar gibi PPSI&#8217;lerin de uyum programlar\u0131n\u0131 d\u00fczenli aral\u0131klarla ba\u011f\u0131ms\u0131z olarak test ettirmeleri ve sicili temiz, ABD merkezli yetkili AML g\u00f6revlilerine sahip olmalar\u0131 gerekecektir.<\/p>\n<p data-path-to-node=\"15\">\u00d6z\u00fcnde, GENIUS Yasas\u0131 d\u00fczenlemeleri stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131n\u0131 geleneksel finansal oyuncularla uyumlu hale getiriyor ancak kriptografik do\u011falar\u0131 i\u00e7in baz\u0131 d\u00fczenlemeler i\u00e7eriyor. Hazine ve FinCEN risk temelli bir stratejiyi vurguluyor. \u0130hra\u00e7\u00e7\u0131lar kaynaklar\u0131n\u0131 daha y\u00fcksek riskli kullan\u0131c\u0131lara ve i\u015flemlere odaklamal\u0131d\u0131r.<\/p>\n<p data-path-to-node=\"16\">Kural, stabil kripto para piyasalar\u0131n\u0131n halka a\u00e7\u0131k blok zincirleri ve ikincil borsalar aras\u0131nda \u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc kabul eder; bu da PPSI&#8217;lerin riski de\u011ferlendirirken zincir \u00fczerindeki bilgilerin yan\u0131 s\u0131ra zincir d\u0131\u015f\u0131 unsurlar\u0131 da dikkate almas\u0131 gerekece\u011fi anlam\u0131na gelir.<\/p>\n<p data-path-to-node=\"17\">\u00d6rne\u011fin, bir stabil kripto paran\u0131n i\u015flemleri, AML standartlar\u0131 zay\u0131f oldu\u011fu bilinen bir yabanc\u0131 borsada aniden y\u00fckselirse, PPSI bu riski uyum program\u0131na dahil etmelidir.<\/p>\n<h2 data-path-to-node=\"18\"><span class=\"ez-toc-section\" id=\"GENIUS_Yasasi_Kapsaminda_Stabil_Kripto_Para_Ihraccilari_Icin_Gereklilikler\"><\/span><b data-path-to-node=\"18\" data-index-in-node=\"0\">GENIUS Yasas\u0131 Kapsam\u0131nda Stabil Kripto Para \u0130hra\u00e7\u00e7\u0131lar\u0131 \u0130\u00e7in Gereklilikler<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"19\">\u00d6nerilen \u00e7er\u00e7eve uyar\u0131nca PPSI&#8217;ler, bankalar i\u00e7in ge\u00e7erli olan AML\/CFT gerekliliklerinin neredeyse tamam\u0131n\u0131, kendi operasyonlar\u0131na uyarlanm\u0131\u015f \u015fekilde al\u0131rlar. A\u015fa\u011f\u0131daki Tablo 1, temel uyum g\u00f6revlerinin nas\u0131l uygulanaca\u011f\u0131n\u0131 \u00f6zetlemektedir:<\/p>\n<p data-path-to-node=\"20\"><b data-path-to-node=\"20\" data-index-in-node=\"0\">Tablo 1: Uyum Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/b><\/p>\n<table data-path-to-node=\"21\">\n<thead>\n<tr>\n<td><strong>Uyum Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc<\/strong><\/td>\n<td><strong>Bankalar \/ MSB&#8217;ler \/ Finansal Kurumlar (BSA kurallar\u0131)<\/strong><\/td>\n<td><strong>PPSI&#8217;ler (\u00d6nerilen GENIUS Yasas\u0131 Kurallar\u0131)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"21,1,0,0\"><b data-path-to-node=\"21,1,0,0\" data-index-in-node=\"0\">AML\/CFT Program\u0131<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,1,1,0\">Zorunlu: Risk temelli politikalar, CDD\/KYC, SAR raporlamas\u0131.<\/span><\/td>\n<td><span data-path-to-node=\"21,1,2,0\">Zorunlu: G\u00fc\u00e7l\u00fc AML\/CFT program\u0131 kurmak\/s\u00fcrd\u00fcrmek. Dijital varl\u0131klara uyarlanm\u0131\u015f e\u015fde\u011fer kapsam.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,2,0,0\"><b data-path-to-node=\"21,2,0,0\" data-index-in-node=\"0\">M\u00fc\u015fteri Tan\u0131ma (KYC)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,2,1,0\">Zorunlu: M\u00fc\u015fteri kimlik do\u011frulamas\u0131.<\/span><\/td>\n<td><span data-path-to-node=\"21,2,2,0\">Zorunlu: Stabil kripto para kullan\u0131c\u0131lar\u0131n\u0131 do\u011frulamak i\u00e7in bankalarla ayn\u0131 KYC\/CDD standartlar\u0131.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,3,0,0\"><b data-path-to-node=\"21,3,0,0\" data-index-in-node=\"0\">\u015e\u00fcpheli Faaliyet Raporlar\u0131 (SAR)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,3,1,0\">5.000$ ve \u00fczeri i\u015flemler i\u00e7in zorunlu.<\/span><\/td>\n<td><span data-path-to-node=\"21,3,2,0\">Zorunlu: BSA uyar\u0131nca 5.000$ ve \u00fczeri i\u015flemler i\u00e7in SAR doldurmak.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,4,0,0\"><b data-path-to-node=\"21,4,0,0\" data-index-in-node=\"0\">OFAC Yapt\u0131r\u0131m Program\u0131<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,4,1,0\">Zorunlu: OFAC kurallar\u0131yla etkili yapt\u0131r\u0131m uyumu.<\/span><\/td>\n<td><span data-path-to-node=\"21,4,2,0\">Zorunlu: Etkili yapt\u0131r\u0131m program\u0131 s\u00fcrd\u00fcrmek, m\u00fc\u015fterileri ve i\u015flemleri taramak.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,5,0,0\"><b data-path-to-node=\"21,5,0,0\" data-index-in-node=\"0\">\u0130\u015flem \u0130zleme<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,5,1,0\">Zorunlu: Banka hesaplar\u0131ndaki yasa d\u0131\u015f\u0131 faaliyetleri izlemek.<\/span><\/td>\n<td><span data-path-to-node=\"21,5,2,0\">Zorunlu: Zincir i\u00e7i ve zincir d\u0131\u015f\u0131 transferleri izlemek; yasa d\u0131\u015f\u0131 stabil kripto para i\u015flemlerini engelleme veya dondurma yetene\u011fine sahip olmak.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,6,0,0\"><b data-path-to-node=\"21,6,0,0\" data-index-in-node=\"0\">Yasal Emirlere Uyum<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,6,1,0\">Zorunlu: T\u00fcm mahkeme celplerine, arama emirlerine ve FIRA&#8217;lara uymak.<\/span><\/td>\n<td><span data-path-to-node=\"21,6,2,0\">Zorunlu: \u0130\u015flemler \u00fczerindeki t\u00fcm yasal emirlere uymak ve teknik olarak uygulamak.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,7,0,0\"><b data-path-to-node=\"21,7,0,0\" data-index-in-node=\"0\">Ba\u011f\u0131ms\u0131z Test<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,7,1,0\">Zorunlu: AML program\u0131n\u0131n ba\u011f\u0131ms\u0131z denetimi (Fed\/FinCEN kural\u0131).<\/span><\/td>\n<td><span data-path-to-node=\"21,7,2,0\">Zorunlu: AML\/CFT program\u0131n\u0131n ba\u011f\u0131ms\u0131z testini ger\u00e7ekle\u015ftirmek.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,8,0,0\"><b data-path-to-node=\"21,8,0,0\" data-index-in-node=\"0\">Uyum G\u00f6revlisi<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,8,1,0\">Zorunlu: Nitelikli atanm\u0131\u015f AML g\u00f6revlisi.<\/span><\/td>\n<td><span data-path-to-node=\"21,8,2,0\">Zorunlu: ABD merkezli AML g\u00f6revlisi atamak (\u00f6nemli mahkumiyeti olmayan).<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"21,9,0,0\"><b data-path-to-node=\"21,9,0,0\" data-index-in-node=\"0\">Kay\u0131t Tutma<\/b><\/span><\/td>\n<td><span data-path-to-node=\"21,9,1,0\">Zorunlu: \u0130\u015flem kay\u0131tlar\u0131n\u0131 ve durum tespiti kay\u0131tlar\u0131n\u0131 tutmak.<\/span><\/td>\n<td><span data-path-to-node=\"21,9,2,0\">Zorunlu: Stabil kripto para i\u015flemlerinin, ak\u0131ll\u0131 s\u00f6zle\u015fme etkile\u015fimlerinin vb. kay\u0131tlar\u0131n\u0131 tutmak.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-path-to-node=\"22\">\u00d6nemli bir nokta olarak, bir PPSI gerekti\u011finde tokenlar\u0131 &#8220;yakmak&#8221; veya yeniden ihra\u00e7 etmek i\u00e7in teknik sistemlere sahip olmal\u0131d\u0131r. American Banker&#8217;\u0131n a\u00e7\u0131klad\u0131\u011f\u0131 gibi bu, ihra\u00e7\u00e7\u0131lar\u0131n tokenlar\u0131 imha edebilmesini ve doland\u0131r\u0131c\u0131l\u0131k ma\u011fdurlar\u0131na geri \u00f6deme yapabilmesini gerektiriyor. Bu, normal bankalar i\u00e7in yenidir ancak kolluk kuvvetlerinin kripto adreslerine zaten nas\u0131l &#8220;el koydu\u011funu&#8221; taklit eder.<\/p>\n<p data-path-to-node=\"23\">PPSI&#8217;ler, b\u00fcy\u00fck e\u015fler aras\u0131 (peer-to-peer) stabil kripto para piyasas\u0131ndaki risklere kar\u015f\u0131 korunmak zorunda kalacak. Sahipler, izin gerektirmeyen blok zincirlerinde veya d\u00fczenlenmemi\u015f borsalar arac\u0131l\u0131\u011f\u0131yla i\u015flem yapabilirler; bu da PPSI&#8217;lerin ikincil piyasa ak\u0131\u015flar\u0131n\u0131 takip etmesinin beklenece\u011fi anlam\u0131na gelir.<\/p>\n<p data-path-to-node=\"24\">Kural, t\u00fcm blok zinciri i\u015flemlerinin bu \u015fekilde denetlenmesini a\u00e7\u0131k\u00e7a zorunlu k\u0131lmasa da, ihra\u00e7\u00e7\u0131lar\u0131n bir m\u00fc\u015fteri risk profili geli\u015ftirirken ve s\u00fcrd\u00fcr\u00fcrken bu t\u00fcr faaliyetleri dikkate almalar\u0131n\u0131n \u015fiddetle te\u015fvik edildi\u011fini belirtir. \u00d6rne\u011fin, bir uyum ekibi KYC&#8217;nin bir par\u00e7as\u0131 olarak zincir \u00fczerindeki verileri (y\u00fcksek riskli varl\u0131klarla ili\u015fkili halka a\u00e7\u0131k adresler) inceleyebilir.<\/p>\n<h2 data-path-to-node=\"25\"><span class=\"ez-toc-section\" id=\"Eyalet_Gozetimi_Secenegi_ile_Duzenleyici_Cerceve\"><\/span><b data-path-to-node=\"25\" data-index-in-node=\"0\">Eyalet G\u00f6zetimi Se\u00e7ene\u011fi ile D\u00fczenleyici \u00c7er\u00e7eve<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"26\">GENIUS Yasas\u0131 kurallar\u0131 sadece AML ve yapt\u0131r\u0131mlar\u0131n \u00f6tesine ge\u00e7er. Eyalet \u015femas\u0131 federal standartlara &#8220;\u00f6nemli \u00f6l\u00e7\u00fcde benzer&#8221; oldu\u011fu s\u00fcrece, daha k\u00fc\u00e7\u00fck ihra\u00e7\u00e7\u0131lara (10 milyar dolara kadar arz) federal makamlar yerine eyalet d\u00fczeyinde g\u00f6zetim alt\u0131na girme se\u00e7ene\u011fi sunar.<\/p>\n<p data-path-to-node=\"27\">1 Nisan 2026&#8217;da Hazine, eyalet \u00e7er\u00e7evelerini de\u011ferlendirme kriterlerini belirlemek i\u00e7in ayr\u0131 bir Kural Yap\u0131m\u0131 \u00d6neri Bildirimi yay\u0131nlad\u0131. Konsept, Wyoming veya Colorado gibi yeni geli\u015fen eyalet bazl\u0131 lisanslama rejimlerinin GENIUS Yasas\u0131 ilkelerini kar\u015f\u0131lad\u0131klar\u0131n\u0131 do\u011frulamalar\u0131na izin vermektir.<\/p>\n<p data-path-to-node=\"28\">Ancak GENIUS Yasas\u0131 kurallar\u0131 uyar\u0131nca, ister federal ister eyalet taraf\u0131ndan d\u00fczenlensin, t\u00fcm PPSI&#8217;ler hala temel AML\/yapt\u0131r\u0131m gerekliliklerine uymak zorundad\u0131r. Eyaletler, BSA standartlar\u0131ndan daha d\u00fc\u015f\u00fck bir \u00e7\u0131ta belirleyemezler.<\/p>\n<p data-path-to-node=\"29\">Etkili bir \u015fekilde, GENIUS Yasas\u0131 iki yollu bir rejim in\u015fa ediyor. Circle veya Coinbase&#8217;in yan\u0131 s\u0131ra 10 milyar dolarl\u0131k e\u015fi\u011fi a\u015fan yeni kat\u0131l\u0131mc\u0131lar\u0131n tamam\u0131 yukar\u0131da belirtilen di\u011fer federal kurallara uymal\u0131d\u0131r. Daha k\u00fc\u00e7\u00fck yeni kat\u0131l\u0131mc\u0131lar federal veya nitelikli bir eyalet rejimi se\u00e7ene\u011fine sahiptir. Her iki durumda da, Hazine&#8217;nin AML kural\u0131 federal lisansl\u0131 her PPSI&#8217;yi kapsayacakt\u0131r.<\/p>\n<h2 data-path-to-node=\"30\"><span class=\"ez-toc-section\" id=\"Sektor_Tepkisi_ve_Analizi\"><\/span><b data-path-to-node=\"30\" data-index-in-node=\"0\">Sekt\u00f6r Tepkisi ve Analizi<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"31\">Hazine teklifi, sekt\u00f6r ve savunucu gruplardan tepkiler ald\u0131. Kripto sekt\u00f6r\u00fcndeki pek \u00e7ok ki\u015fi uzun zamand\u0131r net kurallar istiyordu ve baz\u0131lar\u0131 bu yasal netli\u011fi memnuniyetle kar\u015f\u0131lad\u0131. Bir Forbes analizi, GENIUS Yasas\u0131 rejiminin, bankalar\u0131 bilinen kurallar \u00e7er\u00e7evesinde coin ihra\u00e7 etmeye te\u015fvik ederek b\u00fcy\u00fck bir pazar\u0131n (potansiyel olarak 300 milyar dolar\u0131n \u00fczerinde stabil kripto para) kilidini a\u00e7abilece\u011fine dikkat \u00e7ekti.<\/p>\n<p data-path-to-node=\"32\">Asl\u0131nda Bank of America ve JPMorgan gibi b\u00fcy\u00fck bankalar bu kurallar\u0131 bekleyerek stabil kripto para pilot \u00e7al\u0131\u015fmalar\u0131na haz\u0131rlan\u0131yorlar.<\/p>\n<p data-path-to-node=\"33\">Bununla birlikte, baz\u0131 finansal teknoloji destek\u00e7ileri vidalar\u0131 \u00e7ok fazla s\u0131kman\u0131n inovasyonu bo\u011fabilece\u011fini s\u00f6yl\u00fcyor. Ele\u015ftirmenler, blok zinciri d\u00fc\u011f\u00fcmlerini (node) i\u015fletmenin, blok zinciri i\u015flemlerini filtrelemenin ve geleneksel KYC&#8217;ye uyman\u0131n getirdi\u011fi uyum y\u00fck\u00fcn\u00fcn, k\u00f6kl\u00fc firmalar\u0131 yeni kurulan \u015firketlere (startup) g\u00f6re avantajl\u0131 duruma getirebilece\u011finden endi\u015fe ediyor.<\/p>\n<p data-path-to-node=\"34\">Amerikan Bankac\u0131lar Birli\u011fi (ABA) ve di\u011ferleri, teklifin g\u00fc\u00e7l\u00fc AML programlar\u0131 y\u00fcr\u00fcten halihaz\u0131rda d\u00fczenlenmi\u015f bankalara yard\u0131mc\u0131 olabilece\u011fi, kripto yerlisi <a href=\"https:\/\/www.turkishnyradio.com\/genius-act-debate-intensifies-as-senator-warns-of-small-bank-fallout\/\">firmalar\u0131n<\/a> ise rekabet etmesini zorla\u015ft\u0131rabilece\u011fi konusunda uyard\u0131. Bir Wall Street analisti, kural\u0131n &#8220;her stabil kripto para ihra\u00e7\u00e7\u0131s\u0131n\u0131 BSA ama\u00e7lar\u0131 do\u011frultusunda bir bankaya d\u00f6n\u00fc\u015ft\u00fcrd\u00fc\u011f\u00fcn\u00fc&#8221; s\u00f6yl\u00fcyor.<\/p>\n<p data-path-to-node=\"35\">Kripto sekt\u00f6r\u00fcndeki gruplar muhtemelen detaylar\u0131 inceleyecektir. \u0130ki ana soru \u015fudur: Hazine dondurulacak bir &#8220;kapsanan i\u015flemi&#8221; nas\u0131l tan\u0131mlayacak ve \u00f6zelle\u015ftirilmi\u015f kural takma adl\u0131 (pseudonymous) blok zinciri verilerine nas\u0131l yakla\u015facak?<\/p>\n<p data-path-to-node=\"36\">Merkeziyetsiz finans\u0131n baz\u0131 savunucular\u0131, blok zinciri adreslerine ger\u00e7ek isimli KYC uygulaman\u0131n pratikte zor oldu\u011funu iddia ediyor. T\u00fcketici savunucular\u0131 ise, stabil kripto paralar fidye yaz\u0131l\u0131mlar\u0131nda ve yapt\u0131r\u0131mlardan ka\u00e7\u0131nmada kullan\u0131ld\u0131\u011f\u0131 i\u00e7in doland\u0131r\u0131c\u0131l\u0131\u011fa y\u00f6nelik bir bask\u0131 g\u00f6rmekten memnun olduklar\u0131n\u0131 ve bu delikleri kapatman\u0131n i\u015fleri daha g\u00fcvenli hale getirece\u011fini belirterek yan\u0131t veriyorlar.<\/p>\n<p data-path-to-node=\"37\">Bankalar, finansal istikrara y\u00f6nelik riskler g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda bu \u00f6nlemleri b\u00fcy\u00fck \u00f6l\u00e7\u00fcde makul buluyor. Bankac\u0131l\u0131k sekt\u00f6r\u00fcnden bir kaynak American Banker&#8217;a verdi\u011fi deme\u00e7te, stabil kripto para AML kurallar\u0131n\u0131n &#8220;geleneksel finansta yapt\u0131klar\u0131m\u0131zla uyumlu olmas\u0131 gerekti\u011fini&#8221; s\u00f6yledi.<\/p>\n<p data-path-to-node=\"38\">Asl\u0131nda FDIC ve OCC, bankalar\u0131n ve eyalet lisansl\u0131 \u00f6deme sa\u011flay\u0131c\u0131lar\u0131n\u0131n ayn\u0131 GENIUS Yasas\u0131 y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirmelerini gerektiren paralel kurallar yay\u0131nlam\u0131\u015ft\u0131. Payda\u015flar aras\u0131nda, stabil kripto para projeleri i\u00e7in AML gerekliliklerinin hem 60 g\u00fcn boyunca a\u00e7\u0131k kalacak olan g\u00f6r\u00fc\u015f s\u00fcreci s\u0131ras\u0131ndaki m\u00fczakereler hem de kurumlar aras\u0131 isti\u015fareler yoluyla geli\u015fmesi yayg\u0131n bir beklentidir.<\/p>\n<h2 data-path-to-node=\"39\"><span class=\"ez-toc-section\" id=\"Sonuc\"><\/span><b data-path-to-node=\"39\" data-index-in-node=\"0\">Sonu\u00e7<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"40\">\u00d6nerilen Hazine d\u00fczenlemesi, \u00f6deme ama\u00e7l\u0131 stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131na AML ve yapt\u0131r\u0131m ama\u00e7lar\u0131 do\u011frultusunda bankalara benzer \u015fekilde muamele edecektir. Kapsaml\u0131 AML\/CFT uyum programlar\u0131 olu\u015fturmalar\u0131, \u015f\u00fcpheli faaliyet raporlar\u0131 sunmalar\u0131 ve yasa d\u0131\u015f\u0131 i\u015flemleri durdurmak i\u00e7in teknik kapasite edinmeleri gerekmektedir.<\/p>\n<p data-path-to-node=\"41\">Esasen, GENIUS Yasas\u0131 kurallar\u0131 BSA&#8217;y\u0131 dijital \u00f6demelere yayarak stabil kripto para piyasas\u0131n\u0131n geleneksel finans\u0131 y\u00f6neten ayn\u0131 su\u00e7la m\u00fccadele beklentilerine uymas\u0131n\u0131 sa\u011fl\u0131yor. Politika yap\u0131c\u0131lar bunun ABD finans sistemini kara para aklama, doland\u0131r\u0131c\u0131l\u0131k ve ter\u00f6rizmin finansman\u0131na kar\u015f\u0131 koruyaca\u011f\u0131n\u0131 ancak yasal inovasyonu engellemeyece\u011fini s\u00f6yl\u00fcyorlar.<\/p>\n<p data-path-to-node=\"42\">Her hal\u00fckarda taslak, konu yasa d\u0131\u015f\u0131 finans oldu\u011funda kripto dahil hi\u00e7bir ihra\u00e7\u00e7\u0131n\u0131n yasalar\u0131n \u00fczerinde olmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a ortaya koyuyor.<\/p>\n<p data-path-to-node=\"43\"><b data-path-to-node=\"43\" data-index-in-node=\"0\">Sorumluluk Reddi:<\/b> Bu makale sadece bilgilendirme ama\u00e7l\u0131d\u0131r ve yasal veya finansal tavsiye olarak kullan\u0131lmamal\u0131d\u0131r. D\u00fczenleyici de\u011fi\u015fiklikler ger\u00e7ekle\u015fecektir ve payda\u015flar d\u00fcnyay\u0131 yeni normale g\u00f6re y\u00f6netmelidir.<\/p>\n<h2 data-path-to-node=\"44\"><span class=\"ez-toc-section\" id=\"Sozluk\"><\/span><b data-path-to-node=\"44\" data-index-in-node=\"0\">S\u00f6zl\u00fck<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"45\"><b data-path-to-node=\"45\" data-index-in-node=\"0\">PPSI (\u0130zin Verilen \u00d6deme Ama\u00e7l\u0131 Stabil Kripto Para \u0130hra\u00e7\u00e7\u0131s\u0131):<\/b> Kesinlikle \u00f6demeler ve geri \u00f6deme i\u00e7in ABD dolar\u0131na sabitlenmi\u015f stabil kripto paralar ihra\u00e7 etmesine onay verilmi\u015f bir kurulu\u015f.<\/p>\n<p data-path-to-node=\"46\"><b data-path-to-node=\"46\" data-index-in-node=\"0\">AML\/CFT Program\u0131:<\/b> Kara Para Aklamay\u0131 \u00d6nleme \/ Ter\u00f6rizmin Finansman\u0131 ile M\u00fccadele program\u0131. Finansal kurumlar\u0131n kara para aklama ve ter\u00f6rist finansman\u0131n\u0131 tespit etmek ve \u00f6nlemek i\u00e7in y\u00fcr\u00fcrl\u00fckte bulundurmas\u0131 gereken politikalar ve prosed\u00fcrler.<\/p>\n<p data-path-to-node=\"47\"><b data-path-to-node=\"47\" data-index-in-node=\"0\">\u015e\u00fcpheli Faaliyet Raporu (SAR):<\/b> \u015e\u00fcpheli i\u015flemler tespit edildi\u011finde finansal kurumlar taraf\u0131ndan FinCEN&#8217;e sunulan bir rapor.<\/p>\n<p data-path-to-node=\"48\"><b data-path-to-node=\"48\" data-index-in-node=\"0\">Yapt\u0131r\u0131m Uyum Program\u0131:<\/b> Bir kurumun, ABD yapt\u0131r\u0131mlar\u0131na tabi ki\u015filer veya \u00fclkelerle i\u015flem yapmamas\u0131n\u0131 sa\u011flamaya y\u00f6nelik bir sistem.<\/p>\n<p data-path-to-node=\"49\"><b data-path-to-node=\"49\" data-index-in-node=\"0\">\u0130\u015flemleri Engelleme\/Dondurma:<\/b> Bir PPSI&#8217;nin yasa d\u0131\u015f\u0131 stabil kripto para transferlerini engelleme veya dondurma yetene\u011fi. Bu, bir blok zinciri i\u015flemini reddetmeyi, bir hesab\u0131n zincir \u00fczerindeki bakiyesini dondurmay\u0131 veya tokenlar\u0131 dola\u015f\u0131mdan \u00e7\u0131karmak i\u00e7in &#8220;yakmay\u0131&#8221; i\u00e7erebilir.<\/p>\n<p data-path-to-node=\"50\"><b data-path-to-node=\"50\" data-index-in-node=\"0\">M\u00fc\u015fterini Tan\u0131 (KYC):<\/b> Bir m\u00fc\u015fterinin kimli\u011fini do\u011frulama, risk profilini de\u011ferlendirme ve i\u015flemlerini izleme s\u00fcreci.<\/p>\n<h2 data-path-to-node=\"51\"><span class=\"ez-toc-section\" id=\"Onerilen_GENIUS_Yasasi_Kurallari_Hakkinda_Sikca_Sorulan_Sorular\"><\/span><b data-path-to-node=\"51\" data-index-in-node=\"0\">\u00d6nerilen GENIUS Yasas\u0131 Kurallar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-path-to-node=\"52\"><span class=\"ez-toc-section\" id=\"GENIUS_Yasasi_nedir\"><\/span><strong>GENIUS Yasas\u0131 nedir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"53\">GENIUS Yasas\u0131 (ABD Stabil Kripto Paralar\u0131 \u0130\u00e7in Ulusal \u0130novasyona Rehberlik ve Kurulma Yasas\u0131), dolara sabitlenmi\u015f \u00f6deme ama\u00e7l\u0131 stabil kripto paralar i\u00e7in federal bir \u00e7er\u00e7eve olu\u015fturan 2025 tarihli bir yasad\u0131r. Stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131n\u0131n \u00f6deme hizmetleri sa\u011flamalar\u0131 durumunda ABD finans kurallar\u0131na uymalar\u0131n\u0131 \u015fart ko\u015far. Bu \u00e7er\u00e7evede Hazine, \u00f6deme ama\u00e7l\u0131 stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131na Banka Gizlilik Yasas\u0131 uyar\u0131nca banka muamelesi yapan kurallar yay\u0131nlamak zorundad\u0131r.<\/p>\n<h3 data-path-to-node=\"54\"><span class=\"ez-toc-section\" id=\"GENIUS_Yasasi_Kurallarina_kimlerin_uymasi_zorunludur\"><\/span><strong>GENIUS Yasas\u0131 Kurallar\u0131na kimlerin uymas\u0131 zorunludur?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"55\">Kapsam, \u0130zin Verilen \u00d6deme Ama\u00e7l\u0131 Stabil Kripto Para \u0130hra\u00e7\u00e7\u0131lar\u0131n\u0131 (PPSI&#8217;ler) i\u00e7erecek \u015fekilde geni\u015fletilmi\u015ftir. Bunlar, \u00f6demeler ve geri \u00f6demeler i\u00e7in ABD dolar\u0131 destekli stabil kripto paralar ihra\u00e7 eden kurulu\u015flard\u0131r.<\/p>\n<h3 data-path-to-node=\"56\"><span class=\"ez-toc-section\" id=\"Stabil_kripto_para_ihraccilarina_hangi_AMLCFT_gereklilikleri_uygulanacak\"><\/span><strong>Stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131na hangi AML\/CFT gereklilikleri uygulanacak?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"57\">\u00d6nerilen kural, PPSI&#8217;lerin t\u0131pk\u0131 bankalar gibi eksiksiz AML\/CFT uyum programlar\u0131 s\u00fcrd\u00fcrmelerini gerektirecektir. Bu \u015funlar\u0131 i\u00e7erir: m\u00fc\u015fteri kimlik do\u011frulamas\u0131 (KYC), s\u00fcrekli m\u00fc\u015fteri durum tespiti, i\u015flemlerin izlenmesi ve \u015f\u00fcpheli transferler i\u00e7in raporlar\u0131n sunulmas\u0131.<\/p>\n<h3 data-path-to-node=\"58\"><span class=\"ez-toc-section\" id=\"Bunun_mevcut_banka_kurallarindan_farki_nedir\"><\/span><strong>Bunun mevcut banka kurallar\u0131ndan fark\u0131 nedir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"59\">Stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131n\u0131 kavramsal olarak bankalarla ayn\u0131 seviyeye getirir ancak kriptoya \u00f6zg\u00fc ek h\u00fck\u00fcmler i\u00e7erir. \u00d6rne\u011fin halka a\u00e7\u0131k kay\u0131t defterleri (ledger) i\u015flemleri engellemez ancak PPSI&#8217;ler engeller. Ve PPSI&#8217;ler ulusal \u00f6l\u00e7ekte \u00e7al\u0131\u015fmazlar, k\u00fcresel olarak izin gerektirmeyen a\u011flarda var olurlar; bu nedenle kural, onlar\u0131n (sadece kendi hesap defterini g\u00f6rebilen bir bankan\u0131n aksine) blok zinciri faaliyetlerini analiz etmelerini \u00f6ng\u00f6r\u00fcr.<\/p>\n<h2 data-path-to-node=\"60\"><span class=\"ez-toc-section\" id=\"Referanslar\"><\/span><b data-path-to-node=\"60\" data-index-in-node=\"0\">Referanslar<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/home.treasury.gov\/news\/press-releases\/sb0435#:~:text=WASHINGTON%E2%80%94Today%2C%20the%20U,mitigate%20potential%20illicit%20finance%20risks\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Treasury<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.fincen.gov\/news\/news-releases\/treasury-proposes-rule-implement-genius-acts-requirements-counter-illicit#:~:text=Today%2C%20the%20U,obligations%20specified%20in%20the%20GENIUS\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">FinCEN<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.americanbanker.com\/news\/treasury-proposes-aml-rules-for-stablecoin-issuers#:~:text=,the%20corporate%20structure%20to%20PPSIs\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">American Banker<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.amlintelligence.com\/2026\/04\/breaking-aml-willl-apply-to-us-stablecoin-firms-under-new-proposal\/#:~:text=THE%20U,parts%20of%20the%20GENIUS%20Act\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">AML Intelligence<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.forbes.com\/sites\/boazsobrado\/2026\/04\/08\/gamechanger-banks-suddenly-targeting-323-billion-stablecoin-market\/#:~:text=Forbes%20www,Here%27s%20what\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Forbes<\/span><\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bu makale ilk olarak TurkishNYR \u00fczerinde yay\u0131nlanm\u0131\u015ft\u0131r. Yasa d\u0131\u015f\u0131 finansla m\u00fccadelesini kazanmak amac\u0131yla, ABD Hazinesi&#8217;nin Nisan 2026&#8217;da GENIUS Yasas\u0131 kurallar\u0131 kapsam\u0131nda sundu\u011fu teklif, \u00f6deme ama\u00e7l\u0131 stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131n\u0131 t\u00fcm Amerikal\u0131lar i\u00e7in bu m\u00fccadelenin \u00f6nc\u00fcleri haline getirdi. FinCEN\/OFAC ortak kural\u0131, \u0130zin Verilen \u00d6deme Ama\u00e7l\u0131 Stabil Kripto Para \u0130hra\u00e7\u00e7\u0131lar\u0131n\u0131 (PPSI&#8217;ler), Banka Gizlilik Yasas\u0131 (BSA) uyar\u0131nca finansal [&hellip;]<\/p>\n","protected":false},"author":45,"featured_media":65953,"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":[160],"tags":[6557,3075],"class_list":["post-96360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency","tag-genius-act-tr","tag-stablecoin-tr"],"_links":{"self":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/96360","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\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/comments?post=96360"}],"version-history":[{"count":3,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/96360\/revisions"}],"predecessor-version":[{"id":96441,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/posts\/96360\/revisions\/96441"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/media\/65953"}],"wp:attachment":[{"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/media?parent=96360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/categories?post=96360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishnyradio.com\/tr\/wp-json\/wp\/v2\/tags?post=96360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}