What You Think Is “Just a Payment Feature” May Be a Loan: The Law of BNPL in Turkey
What law governs Buy Now, Pay Later (BNPL) in Turkey? Law No. 6361, BDDK licensing, consumer-credit limits and KVKK.
Insights and updates
From emerging regulation to deal mechanics, we write about the questions founders and investors actually ask: practical analysis you can put to work.
What law governs Buy Now, Pay Later (BNPL) in Turkey? Law No. 6361, BDDK licensing, consumer-credit limits and KVKK.
Türkiye’s AI law is still a draft: but KVKK is deciding AI cases now. Automated decisions under Article 11, the 2026/921 biometrics template, and training-data compliance: a six-step review for AI products serving Turkish users.
Liquidation preference and anti-dilution decide a founder’s exit: 1x vs multiple, participating and full-ratchet, with numbers.
Türkiye’s draft AI law copies the EU AI Act’s risk-based skeleton and its penalty tiers: but omits the high-risk catalogue, transparency mechanics and innovation provisions. What Turkey-connected companies should build to while the Draft waits in commission.
A founder’s guide to reading a term sheet: valuation, option pool, liquidation preference, control terms and what’s binding.
The “AI Act delay” headlines are only half true. High-risk obligations moved to December 2027: but the Article 50 transparency duties still apply from 2 August 2026, and they reach Turkey-based companies serving EU users.