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ARTICLE · 29 JULY 2026

Dijitalleşen Dünyada Ödemelerin Geleceğini Anlamak

Universal Hukuk | Law & Consultancy
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Hayatımıza hızla giren yeni ödeme araçları, paranın doğası, kaynakları ve tasarımı hakkında sorular sormamıza neden oluyor. DLT teknolojisinin sunduğu avantajlarla stablecoinler ve CBDC'ler mevcut para ve ödeme sistemini büyük ölçüde değiştirme potansiyeli gösteriyor. Finansal sistemin dijitalleşmesi jeopolitik dinamiklerle birleştiğinde ulusal finansal egemenlik üzerin

TurkeyFinance and Banking
Feride Hilal İmal
Feride Hilal İmal

Giriş

Hayatımıza hızla giren yeni ödeme araçları, uzun zamandır hiç olmadığı şekilde paranın doğası, kaynakları ve tasarımı hakkında sorular sormamıza neden oluyor. Bu yeni oyunculardan bazıları ödemeler alanında bankalarla rekabet eden, tarihte emsallerine sıklıkla rastladığımız yeni bir gölge para sistemi inşa ediyorlar.

DLT teknolojisinin sunduğu aracısızlık, şeffaflık, güvenlik gibi tüm teknolojik avantajları ile geleneksel, devlet destekli para birimlerinin düşük oynaklığına sahip bir kripto varlık sınıfı olarak duyurulan stablecoinler yakın zamanda özel bir para biçimi iddiasıyla kayda değer bir benimseme düzeyine ulaştı. CBDC’ler ise stablecoinlerin özel para biçimi olarak yaratacağı yoğun risk vurgulu yaklaşım karşısında stablecoinlerin “egemen bir dijital para rakibi” olarak geliştiriliyor. Bu yeni para biçimleri ve ödeme sistemleri mevcut para ve ödeme sistemini büyük ölçüde değiştirme potansiyeli gösteriyor.

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