Pekin Bayar Mizrahi stands at the forefront of the financial revolution, providing sophisticated legal architecture for the most prominent actors in the digital economy. Our practice is distinguished by its ‘full-lifecycle’ support—ranging from the incorporation of Türkiye’s first digital banks to advising global Giant Apps and Super Apps on complex regulatory integration and Buy Now Pay Later (BNPL) frameworks.
We offer unparalleled expertise in navigating the stringent mandates of the Central Bank of the Republic of Türkiye (CBRT/TCMB) and the Capital Markets Board (CMB/SPK). Our services include:
Licensing & Regulatory Interaction
Executing end-to-end E-money and Payment Institution license applications, securing regulatory exemptions, and obtaining critical legal opinions from TCMB and SPK.
Payment & E-money Ecosystems
Deep expertise in wallet systems, e-money issuance, and Payment Initiation Services (PIS), including the drafting of integrator agreements and outsourcing (support service) contracts.
Compliance & Audit Support
Providing comprehensive MASAK (AML/KYC) compliance frameworks, structuring internal audit support, and advising on fictitious committee decisions for complex transaction cancellations and dispute resolutions.
Digital Asset Issuance & Web3
Leading the structuring of token/coin issuance processes, managing exchange listings, and negotiating Market Maker (MM) agreements. We advise on Asset Tokenization, Stablecoin initiatives, and NFT platforms as gold members of the Blockchain Platform of Türkiye.
WealthTech, InsureTech & AI
Delivering detailed consultancy on WealthTech solutions, including AI-driven asset management, financial forecasting, and the regulatory landscape for technology-driven insurance products.
Loyalty & Operational Flow
Engineering cashback processes and blockchain-integrated loyalty systems that bridge traditional retail with modern finance.
By combining deep technical knowledge with established relations before regulatory authorities, we ensure that our clients—whether they are FinTech startups or global financial giants—achieve seamless and enforcement-ready execution in the Turkish market.
