{"id":2450,"date":"2020-09-09T12:13:57","date_gmt":"2020-09-09T09:13:57","guid":{"rendered":"https:\/\/www.paribu.com\/blog\/?post_type=glossary&#038;p=2450"},"modified":"2026-01-15T15:37:12","modified_gmt":"2026-01-15T12:37:12","slug":"kyc-nedir","status":"publish","type":"glossary","link":"https:\/\/www.paribu.com\/blog\/sozluk\/kyc-nedir\/","title":{"rendered":"KYC nedir?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">KYC (Know Your Customer &ndash; M&uuml;&#351;terini Tan&#305;), kullan&#305;c&#305;lar&#305;n kimliklerinin do&#287;rulanmas&#305; ve finansal sistemin yasa d&#305;&#351;&#305; ama&ccedil;larla kullan&#305;lmas&#305;n&#305;n &ouml;nlenmesi i&ccedil;in uygulanan bir s&uuml;re&ccedil;tir. T&uuml;rk&ccedil;eye &ldquo;M&uuml;&#351;terini Tan&#305;&rdquo; olarak &ccedil;evrilen bu kavram, finansal kurumlar&#305;n m&uuml;&#351;terilerinin kimlik bilgilerini toplamas&#305;n&#305; ve do&#287;rulamas&#305;n&#305; kapsar. KYC, kara para aklamay&#305;, ter&ouml;rizmin finansman&#305;n&#305; ve di&#287;er yasa d&#305;&#351;&#305; faaliyetleri engellemeye hizmet eder.<\/span><\/p>\n<p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/loQWko7g8pw\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2><strong>Know Your Customer (KYC) neden &ouml;nemlidir?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">KYC, ayn&#305; anda hem kullan&#305;c&#305;lar&#305; hem de finansal kurulu&#351;lar&#305; korur. Kullan&#305;c&#305;lar, do&#287;rulama sayesinde hesaplar&#305;n&#305;n g&uuml;venli&#287;ini art&#305;r&#305;rken; platformlar da yasal d&uuml;zenlemelere uyum sa&#287;layarak k&ouml;t&uuml;ye kullan&#305;m risklerini en aza indirir. Ayr&#305;ca KYC, sistemde &#351;effafl&#305;k sa&#287;layarak g&uuml;venilir bir <span class=\"\" title=\"Paribu S&ouml;zl&uuml;k: &#304;&#351;lem (transaction) nedir?\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">i&#351;lem<\/span> ortam&#305; olu&#351;turur.<\/span><\/p>\n<h2><strong>KYC Do&#287;rulamas&#305; nedir?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">D&uuml;zenlemeye tabi i&#351;letmelerin kullan&#305;c&#305;lar&#305;n&#305;n belirli hizmetleri kullanmalar&#305;na izin vermeden &ouml;nce kimliklerini do&#287;rulamak i&ccedil;in kulland&#305;klar&#305; bir i&#351;lemdir. KYC&rsquo;nin amac&#305;, kullan&#305;c&#305;lar&#305;n iddia ettikleri ki&#351;i oldu&#287;undan emin olarak doland&#305;r&#305;c&#305;l&#305;k, <span class=\"\" title=\"Paribu S&ouml;zl&uuml;k: AML nedir?\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">kara para aklama<\/span>, ter&ouml;rizmin finansman&#305; ve di&#287;er yasa d&#305;&#351;&#305; faaliyetleri &ouml;nlemektir.<\/span><\/p>\n<h2><strong>KYC Do&#287;rulamas&#305; nas&#305;l yap&#305;l&#305;r?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">KYC do&#287;rulamas&#305;, <span class=\"\" title=\"Paribu S&ouml;zl&uuml;k: Kripto para nedir?\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">kripto para<\/span> al&#305;m sat&#305;m&#305; ve transfer i&#351;lemlerinde kullan&#305;c&#305;lar&#305;n kimli&#287;ini do&#287;rulamak ve platformlar&#305;n yasal d&uuml;zenlemelere uyumlu &#351;ekilde &ccedil;al&#305;&#351;mas&#305;n&#305; sa&#287;lamak amac&#305;yla uygulan&#305;r. Hesap do&#287;rulamas&#305; yap&#305;lmad&#305;&#287;&#305;nda kullan&#305;c&#305;lar&#305;n transfer, al&#305;m-sat&#305;m ve para yat&#305;rma\/&ccedil;ekme i&#351;lemleri k&#305;s&#305;tlan&#305;r. Varl&#305;klar g&uuml;vende tutulmaya devam etse de aktif olarak i&#351;lem yap&#305;lamaz.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do&#287;rulama s&uuml;reci birka&ccedil; ad&#305;mdan olu&#351;ur. Kullan&#305;c&#305;lardan kimlik kart&#305;, ikametgah belgesi ve ki&#351;isel bilgiler istenir. Telefon kameras&#305; arac&#305;l&#305;&#287;&#305;yla y&uuml;z tan&#305;ma ve canl&#305;l&#305;k testi yap&#305;l&#305;r, ayr&#305;ca cihazlarda NFC deste&#287;i varsa kimlik kart&#305; okutularak do&#287;rulama sa&#287;lan&#305;r. NFC bulunmayan cihazlarda ise Optik Karakter Tan&#305;ma (OCR) y&ouml;ntemi devreye girer. Bunun yan&#305;nda kullan&#305;c&#305;lar&#305;n meslek, gelir ve yat&#305;r&#305;m tercihleri gibi ek bilgileri payla&#351;malar&#305; da beklenir.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do&#287;rulama tamamland&#305;&#287;&#305;nda hesap aktif hale gelir ve kullan&#305;c&#305; g&uuml;venli bi&ccedil;imde kripto transferi, al&#305;m sat&#305;m ve para i&#351;lemlerini ger&ccedil;ekle&#351;tirebilir. Yabanc&#305; kimlik numaras&#305;na sahip kullan&#305;c&#305;lar i&ccedil;in ise ek belgeler fiziki y&ouml;ntemlerle do&#287;rulan&#305;r. D&uuml;zenlemeler gere&#287;i daha &ouml;nce do&#287;rulama yap&#305;lm&#305;&#351; olsa bile, g&uuml;ncellenen yasal zorunluluklar nedeniyle canl&#305;l&#305;k testi veya uygunluk testi gibi yeni ad&#305;mlar&#305;n tamamlanmas&#305; istenebilir.<\/span><\/p>\n<h2><strong>KYC kullanman&#305;n faydalar&#305;<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">KYC kullan&#305;c&#305;lara ve platformlara avantajlar sa&#287;lar. Ba&#351;l&#305;ca avantajlar&#305; &#351;unlard&#305;r:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">KYC, hesab&#305;n&#305;z&#305; doland&#305;r&#305;c&#305;l&#305;ktan, kimlik h&#305;rs&#305;zl&#305;&#287;&#305;ndan ve yetkisiz eri&#351;imden korumaya yard&#305;mc&#305; olur.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Platformdaki herkesin do&#287;rulamay&#305; ge&ccedil;ti&#287;ini bilmek, i&#351;lem veya yat&#305;r&#305;m i&ccedil;in g&uuml;venli bir ortam olu&#351;turur.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kara para aklamay&#305;, ter&ouml;rizmin finansman&#305;n&#305; ve di&#287;er yasa d&#305;&#351;&#305; faaliyetleri &ouml;nler.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#304;&#351;letmelerin ulusal ve uluslararas&#305; finansal d&uuml;zenlemelere uymas&#305;na yard&#305;mc&#305; olur.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do&#287;rulanm&#305;&#351; veriler, &#351;irketlerin daha ki&#351;iselle&#351;tirilmi&#351; ve g&uuml;venilir hizmetler sunmas&#305;n&#305; sa&#287;lar.<\/span><\/li>\n<\/ul>\n<h2><strong>Kullan&#305;c&#305;lar KYC olmadan kripto al&#305;m-sat&#305;m i&#351;lemi yapabilir mi?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Kullan&#305;c&#305;lar KYC ad&#305;mlar&#305;n&#305; tamamlanmadan kripto al&#305;m-sat&#305;m ve transfer i&#351;lemleri yapamaz. &Ccedil;&uuml;nk&uuml; kripto varl&#305;k platformlar&#305;, yasal d&uuml;zenlemeler gere&#287;i kullan&#305;c&#305;lar&#305;n&#305;n kimli&#287;ini do&#287;rulamak zorundad&#305;r. Bu zorunluluk, kara para aklamay&#305; &ouml;nleme ve ter&ouml;r finansman&#305;yla m&uuml;cadele kapsam&#305;nda uygulan&#305;r.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M&uuml;&#351;terinizi Tan&#305;y&#305;n (Know Your Customer ya da KYC), yat&#305;r&#305;m dan&#305;&#351;manlar&#305;n&#305;n m&uuml;&#351;terilerinin risk tolerans&#305;, yat&#305;r&#305;m bilgisi ve finansal durumu hakk&#305;nda ayr&#305;nt&#305;l&#305; bilgi sahibi olmas&#305;n&#305; sa&#287;layan bir yat&#305;r&#305;m prosed&uuml;r&uuml;d&uuml;r.<\/p>\n","protected":false},"author":1,"featured_media":24309,"menu_order":0,"template":"","meta":{"footnotes":""},"glossary-categories":[],"glossary-tags":[],"glossary-languages":[],"class_list":["post-2450","glossary","type-glossary","status-publish","has-post-thumbnail","hentry"],"post_title":"KYC nedir?","post_content":"<span style=\"font-weight: 400;\">KYC (Know Your Customer \u2013 M\u00fc\u015fterini Tan\u0131), kullan\u0131c\u0131lar\u0131n kimliklerinin do\u011frulanmas\u0131 ve finansal sistemin yasa d\u0131\u015f\u0131 ama\u00e7larla kullan\u0131lmas\u0131n\u0131n \u00f6nlenmesi i\u00e7in uygulanan bir s\u00fcre\u00e7tir. T\u00fcrk\u00e7eye \u201cM\u00fc\u015fterini Tan\u0131\u201d olarak \u00e7evrilen bu kavram, finansal kurumlar\u0131n m\u00fc\u015fterilerinin kimlik bilgilerini toplamas\u0131n\u0131 ve do\u011frulamas\u0131n\u0131 kapsar. KYC, kara para aklamay\u0131, ter\u00f6rizmin finansman\u0131n\u0131 ve di\u011fer yasa d\u0131\u015f\u0131 faaliyetleri engellemeye hizmet eder.<\/span>\r\n\r\n<iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/loQWko7g8pw\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\r\n<h2><strong>Know Your Customer (KYC) neden \u00f6nemlidir?<\/strong><\/h2>\r\n<span style=\"font-weight: 400;\">KYC, ayn\u0131 anda hem kullan\u0131c\u0131lar\u0131 hem de finansal kurulu\u015flar\u0131 korur. Kullan\u0131c\u0131lar, do\u011frulama sayesinde hesaplar\u0131n\u0131n g\u00fcvenli\u011fini art\u0131r\u0131rken; platformlar da yasal d\u00fczenlemelere uyum sa\u011flayarak k\u00f6t\u00fcye kullan\u0131m risklerini en aza indirir. Ayr\u0131ca KYC, sistemde \u015feffafl\u0131k sa\u011flayarak g\u00fcvenilir bir i\u015flem ortam\u0131 olu\u015fturur.<\/span>\r\n<h2><strong>KYC Do\u011frulamas\u0131 nedir?<\/strong><\/h2>\r\n<span style=\"font-weight: 400;\">D\u00fczenlemeye tabi i\u015fletmelerin kullan\u0131c\u0131lar\u0131n\u0131n belirli hizmetleri kullanmalar\u0131na izin vermeden \u00f6nce kimliklerini do\u011frulamak i\u00e7in kulland\u0131klar\u0131 bir i\u015flemdir. KYC'nin amac\u0131, kullan\u0131c\u0131lar\u0131n iddia ettikleri ki\u015fi oldu\u011fundan emin olarak doland\u0131r\u0131c\u0131l\u0131k, kara para aklama, ter\u00f6rizmin finansman\u0131 ve di\u011fer yasa d\u0131\u015f\u0131 faaliyetleri \u00f6nlemektir.<\/span>\r\n<h2><strong>KYC Do\u011frulamas\u0131 nas\u0131l yap\u0131l\u0131r?<\/strong><\/h2>\r\n<span style=\"font-weight: 400;\">KYC do\u011frulamas\u0131, kripto para al\u0131m sat\u0131m\u0131 ve transfer i\u015flemlerinde kullan\u0131c\u0131lar\u0131n kimli\u011fini do\u011frulamak ve platformlar\u0131n yasal d\u00fczenlemelere uyumlu \u015fekilde \u00e7al\u0131\u015fmas\u0131n\u0131 sa\u011flamak amac\u0131yla uygulan\u0131r. Hesap do\u011frulamas\u0131 yap\u0131lmad\u0131\u011f\u0131nda kullan\u0131c\u0131lar\u0131n transfer, al\u0131m-sat\u0131m ve para yat\u0131rma\/\u00e7ekme i\u015flemleri k\u0131s\u0131tlan\u0131r. Varl\u0131klar g\u00fcvende tutulmaya devam etse de aktif olarak i\u015flem yap\u0131lamaz.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Do\u011frulama s\u00fcreci birka\u00e7 ad\u0131mdan olu\u015fur. Kullan\u0131c\u0131lardan kimlik kart\u0131, ikametgah belgesi ve ki\u015fisel bilgiler istenir. Telefon kameras\u0131 arac\u0131l\u0131\u011f\u0131yla y\u00fcz tan\u0131ma ve canl\u0131l\u0131k testi yap\u0131l\u0131r, ayr\u0131ca cihazlarda NFC deste\u011fi varsa kimlik kart\u0131 okutularak do\u011frulama sa\u011flan\u0131r. NFC bulunmayan cihazlarda ise Optik Karakter Tan\u0131ma (OCR) y\u00f6ntemi devreye girer. Bunun yan\u0131nda kullan\u0131c\u0131lar\u0131n meslek, gelir ve yat\u0131r\u0131m tercihleri gibi ek bilgileri payla\u015fmalar\u0131 da beklenir.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Do\u011frulama tamamland\u0131\u011f\u0131nda hesap aktif hale gelir ve kullan\u0131c\u0131 g\u00fcvenli bi\u00e7imde kripto transferi, al\u0131m sat\u0131m ve para i\u015flemlerini ger\u00e7ekle\u015ftirebilir. Yabanc\u0131 kimlik numaras\u0131na sahip kullan\u0131c\u0131lar i\u00e7in ise ek belgeler fiziki y\u00f6ntemlerle do\u011frulan\u0131r. D\u00fczenlemeler gere\u011fi daha \u00f6nce do\u011frulama yap\u0131lm\u0131\u015f olsa bile, g\u00fcncellenen yasal zorunluluklar nedeniyle canl\u0131l\u0131k testi veya uygunluk testi gibi yeni ad\u0131mlar\u0131n tamamlanmas\u0131 istenebilir.<\/span>\r\n<h2><strong>KYC kullanman\u0131n faydalar\u0131<\/strong><\/h2>\r\n<span style=\"font-weight: 400;\">KYC kullan\u0131c\u0131lara ve platformlara avantajlar sa\u011flar. Ba\u015fl\u0131ca avantajlar\u0131 \u015funlard\u0131r:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">KYC, hesab\u0131n\u0131z\u0131 doland\u0131r\u0131c\u0131l\u0131ktan, kimlik h\u0131rs\u0131zl\u0131\u011f\u0131ndan ve yetkisiz eri\u015fimden korumaya yard\u0131mc\u0131 olur.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Platformdaki herkesin do\u011frulamay\u0131 ge\u00e7ti\u011fini bilmek, i\u015flem veya yat\u0131r\u0131m i\u00e7in g\u00fcvenli bir ortam olu\u015fturur.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kara para aklamay\u0131, ter\u00f6rizmin finansman\u0131n\u0131 ve di\u011fer yasa d\u0131\u015f\u0131 faaliyetleri \u00f6nler.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0130\u015fletmelerin ulusal ve uluslararas\u0131 finansal d\u00fczenlemelere uymas\u0131na yard\u0131mc\u0131 olur.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do\u011frulanm\u0131\u015f veriler, \u015firketlerin daha ki\u015fiselle\u015ftirilmi\u015f ve g\u00fcvenilir hizmetler sunmas\u0131n\u0131 sa\u011flar.<\/span><\/li>\r\n<\/ul>\r\n<h2><strong>Kullan\u0131c\u0131lar KYC olmadan kripto al\u0131m-sat\u0131m i\u015flemi yapabilir mi?<\/strong><\/h2>\r\n<span style=\"font-weight: 400;\">Kullan\u0131c\u0131lar KYC ad\u0131mlar\u0131n\u0131 tamamlanmadan kripto al\u0131m-sat\u0131m ve transfer i\u015flemleri yapamaz. \u00c7\u00fcnk\u00fc kripto varl\u0131k platformlar\u0131, yasal d\u00fczenlemeler gere\u011fi kullan\u0131c\u0131lar\u0131n\u0131n kimli\u011fini do\u011frulamak zorundad\u0131r. Bu zorunluluk, kara para aklamay\u0131 \u00f6nleme ve ter\u00f6r finansman\u0131yla m\u00fccadele kapsam\u0131nda uygulan\u0131r.<\/span>","_links":{"self":[{"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary\/2450","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/types\/glossary"}],"author":[{"embeddable":true,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"version-history":[{"count":1,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary\/2450\/revisions"}],"predecessor-version":[{"id":24311,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary\/2450\/revisions\/24311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/media\/24309"}],"wp:attachment":[{"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/media?parent=2450"}],"wp:term":[{"taxonomy":"glossary-categories","embeddable":true,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary-categories?post=2450"},{"taxonomy":"glossary-tags","embeddable":true,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary-tags?post=2450"},{"taxonomy":"glossary-languages","embeddable":true,"href":"https:\/\/www.paribu.com\/blog\/wp-json\/wp\/v2\/glossary-languages?post=2450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}