{"id":1929,"date":"2026-09-15T14:10:23","date_gmt":"2026-09-15T11:10:23","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=1929"},"modified":"2026-09-15T14:11:36","modified_gmt":"2026-09-15T11:11:36","slug":"soner-canko-yazdi-paranin-yeni-dunyasinda-yer-kapma-yarisi","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/09\/15\/soner-canko-yazdi-paranin-yeni-dunyasinda-yer-kapma-yarisi\/","title":{"rendered":"Soner Canko yazd\u0131: Paran\u0131n yeni d\u00fcnyas\u0131nda yer kapma yar\u0131\u015f\u0131"},"content":{"rendered":"\n

Stablecoin\u2019ler paralar\u0131 blockchain \u00fczerinde k\u00fcresel olarak da\u011f\u0131t\u0131labilir hale getirirse, bir para biriminin g\u00fcc\u00fc sadece o \u00fclkenin ekonomisine veya bankac\u0131l\u0131k sistemine ba\u011fl\u0131 olmayacak.<\/strong><\/h2>\n\n\n\n

Ge\u00e7ti\u011fimiz hafta Revolut\u2019un euro bazl\u0131 stablecoin\u2019i EURR\u2019yi piyasaya s\u00fcrmesiyle ba\u015flayan haber, ilk bak\u0131\u015fta yeni bir fintech \u00fcr\u00fcn\u00fc gibi g\u00f6r\u00fcn\u00fcyordu. Ancak son g\u00fcnlerde JPMorgan\u2019\u0131n kendi stablecoin\u2019ini de\u011ferlendirdi\u011fini, Visa ve Mastercard\u2019\u0131n stablecoin altyap\u0131s\u0131na ciddi yat\u0131r\u0131mlar yapt\u0131\u011f\u0131n\u0131 ve SWIFT\u2019in blockchain tabanl\u0131 yeni bir \u00f6deme altyap\u0131s\u0131 \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 okudu\u011fumuzu d\u00fc\u015f\u00fcn\u00fcnce, ortada \u00e7ok daha b\u00fcy\u00fck bir de\u011fi\u015fim oldu\u011fu g\u00f6r\u00fcl\u00fcyor.<\/p>\n\n\n\n

\u00dcstelik burada ilgin\u00e7 olan, bu \u015firketlerin ayn\u0131 \u015feyi yapm\u0131yor olmas\u0131. Her biri yeni finansal sistemin farkl\u0131 bir noktas\u0131nda yer almaya \u00e7al\u0131\u015f\u0131yor.<\/p>\n\n\n\n

Revolut paray\u0131 blockchain\u2019e ta\u015f\u0131yor<\/h3>\n\n\n\n

Bug\u00fcn \u00fclkeler aras\u0131nda para transferi yapt\u0131\u011f\u0131m\u0131zda, m\u00fc\u015fterinin ekranda g\u00f6rd\u00fc\u011f\u00fc birka\u00e7 saniyelik i\u015flemin arkas\u0131nda bankalar, muhabir bankalar ve yerel \u00f6deme sistemlerinden olu\u015fan olduk\u00e7a karma\u015f\u0131k bir yap\u0131 var. SWIFT de bu sistemin \u00f6nemli par\u00e7alar\u0131ndan biri. Stablecoin ise paran\u0131n blockchain \u00fczerinde hareket etmesini sa\u011flayarak bu yap\u0131n\u0131n baz\u0131 b\u00f6l\u00fcmlerine alternatif bir yol a\u00e7\u0131yor.<\/p>\n\n\n\n

Revolut\u2019un EURR\u2019nin yan\u0131na ileride sterlin ve dolar bazl\u0131 stablecoin\u2019ler de koydu\u011funu d\u00fc\u015f\u00fcnelim. O zaman EUR, GBP ve USD aras\u0131nda blockchain \u00fczerinde \u00e7al\u0131\u015fan bir para hareketi a\u011f\u0131 ortaya \u00e7\u0131kabilir. Buradaki \u00f6nemli konu, bunun Revolut m\u00fc\u015fterisinin bug\u00fcn yapt\u0131\u011f\u0131 EUR-GBP transferinden daha iyi olmas\u0131 de\u011fil. Zaten Revolut bunu bug\u00fcn olduk\u00e7a kolay yap\u0131yor. \u00d6nemli olan Revolut\u2019un paran\u0131n hareket etti\u011fi altyap\u0131n\u0131n bir b\u00f6l\u00fcm\u00fcn\u00fc kendi kontrol\u00fcne alma ihtimali.<\/p>\n\n\n\n

\u00dcstelik Revolut EURR\u2019yi yaln\u0131zca bir \u00f6deme arac\u0131 olarak tan\u0131mlam\u0131yor. \u015eirket, EURR\u2019nin fiat, kripto, harici c\u00fczdanlar ve desteklenen blockchain a\u011flar\u0131 aras\u0131nda hareket edebilen bir k\u00f6pr\u00fc olmas\u0131n\u0131 hedefliyor. Yani Revolut m\u00fc\u015fterisinin kulland\u0131\u011f\u0131 euroyu blockchain d\u00fcnyas\u0131na ta\u015f\u0131yor.<\/p>\n\n\n\n

Bankalar da kendi paras\u0131n\u0131 ta\u015f\u0131yor<\/h3>\n\n\n\n

JPMorgan taraf\u0131nda ise hik\u00e2yenin kurumsal versiyonunu g\u00f6r\u00fcyoruz. Banka zaten JPM Coin ile mevduatlar\u0131 tokenla\u015ft\u0131rarak 7\/24 para hareketi ve settlement \u00fczerinde \u00e7al\u0131\u015f\u0131yor. \u015eimdi stablecoin se\u00e7ene\u011fini de de\u011ferlendiriyor. JPMorgan\u2019\u0131n mevcut JPM Coin yap\u0131s\u0131 bile bankac\u0131l\u0131k sistemindeki paran\u0131n blockchain \u00fczerinde hareket edebilece\u011fini g\u00f6steriyor. Stablecoin se\u00e7ene\u011finin g\u00fcndeme gelmesi ise bankalar\u0131n art\u0131k bu yeni para d\u00fcnyas\u0131n\u0131 yaln\u0131zca uzaktan izlemek istemedi\u011fini g\u00f6steriyor.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Bu asl\u0131nda \u00f6nemli bir d\u00f6n\u00fc\u015f\u00fcm. Blockchain art\u0131k b\u00fcy\u00fck bir banka i\u00e7in sadece kripto varl\u0131klar\u0131n bulundu\u011fu bir alan de\u011fil. Bankan\u0131n kendi paras\u0131n\u0131n da hareket edebilece\u011fi yeni bir altyap\u0131 haline geliyor.<\/p>\n\n\n\n

Visa ve Mastercard oyunun d\u0131\u015f\u0131nda kalmak istemiyor<\/h3>\n\n\n\n

Stablecoin\u2019ler ortaya \u00e7\u0131kt\u0131\u011f\u0131nda ilk beklenti, bunlar\u0131n kartl\u0131 \u00f6deme sistemlerini ve geleneksel \u00f6deme \u015firketlerini aradan \u00e7\u0131karabilece\u011fiydi. Bug\u00fcn ise tam tersini g\u00f6r\u00fcyoruz.<\/p>\n\n\n\n

Mastercard bunun en somut \u00f6rneklerinden birini verdi. A\u011fustos ba\u015f\u0131nda stablecoin altyap\u0131 \u015firketi BVNK\u2019nin sat\u0131n al\u0131m\u0131n\u0131 tamamlad\u0131. BVNK, fiat ve blockchain \u00fczerindeki paralar\u0131n tutulmas\u0131, g\u00f6nderilmesi, d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi ve y\u00f6netilmesi i\u00e7in altyap\u0131 sa\u011fl\u0131yor. Mastercard ise bu teknolojiyle kendi k\u00fcresel a\u011f\u0131n\u0131 birle\u015ftirerek stablecoin ve geleneksel para sistemlerini birbirine ba\u011flamay\u0131 hedefliyor.<\/p>\n\n\n\n

Visa da benzer \u015fekilde ilerliyor. Stablecoin settlement i\u00e7in destekledi\u011fi blockchain say\u0131s\u0131n\u0131 art\u0131rd\u0131 ve y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f stablecoin settlement hacminin 7 milyar dolara ula\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Temmuz ay\u0131nda ise finansal kurumlar ve fintechlerin stablecoin \u00e7\u0131karmas\u0131, saklamas\u0131, hareket ettirmesi ve geri \u00e7evirmesi i\u00e7in Visa Stablecoin Platform\u2019u duyurdu.<\/p>\n\n\n\n

Yani Visa ve Mastercard stablecoin\u2019lerle m\u00fccadele etmek yerine, onlar\u0131n kullan\u0131laca\u011f\u0131 altyap\u0131n\u0131n i\u00e7inde yer almaya \u00e7al\u0131\u015f\u0131yor. Stablecoin\u2019i kendi a\u011flar\u0131na ba\u011flayarak mevcut konumlar\u0131n\u0131 korumaya haz\u0131rlan\u0131yorlar.<\/p>\n\n\n\n

Belki de burada stablecoin\u2019lerin ilk ortaya \u00e7\u0131kt\u0131\u011f\u0131 zamanki en b\u00fcy\u00fck beklentinin tam tersini g\u00f6r\u00fcyoruz. Stablecoin\u2019lerin kart a\u011flar\u0131n\u0131 ortadan kald\u0131rmas\u0131 beklenirken, kart a\u011flar\u0131 stablecoin\u2019lerin \u00fczerine yerle\u015fmeye haz\u0131rlan\u0131yor.<\/p>\n\n\n\n

SWIFT de blockchain\u2019e giriyor<\/h3>\n\n\n\n

SWIFT\u2019in blockchain tabanl\u0131 ledger ve tokenized deposits \u00fczerinde \u00e7al\u0131\u015fmas\u0131 ayn\u0131 nedenle \u00f6nemli. SWIFT, bankalar\u0131n tokenized deposit\u2019lerle 7\/24 s\u0131n\u0131r \u00f6tesi \u00f6deme yapabilece\u011fi yeni bir altyap\u0131 \u00fczerinde \u00e7al\u0131\u015f\u0131yor.<\/p>\n\n\n\n

SWIFT\u2019in bir anda ortadan kalkaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnmek i\u00e7in erken. Ancak SWIFT\u2019in de blockchain\u2019e y\u00f6nelmesi, eski finansal sistemin yeni teknolojiyi g\u00f6rmezden gelemeyece\u011fini g\u00f6steriyor.<\/p>\n\n\n\n

As\u0131l soru art\u0131k blockchain\u2019in SWIFT\u2019i \u00f6ld\u00fcr\u00fcp \u00f6ld\u00fcrmeyece\u011fi de\u011fil; yeni para hareketi sisteminde SWIFT\u2019in hangi rol\u00fc koruyabilece\u011fi.<\/p>\n\n\n\n

Yar\u0131\u015f art\u0131k para birimleri aras\u0131nda da<\/h3>\n\n\n\n

B\u00fct\u00fcn bunlar\u0131 yan yana koydu\u011fumuzda bana g\u00f6re \u00e7ok daha b\u00fcy\u00fck bir yar\u0131\u015f ortaya \u00e7\u0131k\u0131yor.<\/p>\n\n\n\n

\u00c7\u00fcnk\u00fc stablecoin\u2019ler paralar\u0131 blockchain \u00fczerinde k\u00fcresel olarak da\u011f\u0131t\u0131labilir hale getirirse, bir para biriminin g\u00fcc\u00fc sadece o \u00fclkenin ekonomisine veya bankac\u0131l\u0131k sistemine ba\u011fl\u0131 olmayacak. O paran\u0131n dijital d\u00fcnyada ne kadar kolay bulunabildi\u011fi, ne kadar kolay g\u00f6nderilebildi\u011fi ve hangi uygulamalar taraf\u0131ndan desteklendi\u011fi de \u00f6nem kazanacak.<\/p>\n\n\n\n

Bu nedenle \u00f6n\u00fcm\u00fczdeki d\u00f6nemde sadece \u201changi stablecoin daha ba\u015far\u0131l\u0131 olacak?\u201d sorusuna bakmak yeterli olmayacak. Hangi banka m\u00fc\u015fteriyi kazanacak, hangi fintech c\u00fczdan\u0131 kontrol edecek, hangi \u00f6deme a\u011f\u0131 i\u015flemi ta\u015f\u0131yacak, hangi blockchain \u00fczerinde mutabakat yap\u0131lacak ve en \u00f6nemlisi hangi para birimi k\u00fcresel dijital ekonomide daha fazla kullan\u0131lacak?<\/p>\n\n\n\n

Bug\u00fcn g\u00f6rd\u00fc\u011f\u00fcm\u00fcz b\u00fct\u00fcn bu yat\u0131r\u0131mlar, bu sorular\u0131n cevaplar\u0131n\u0131n hen\u00fcz verilmedi\u011fini g\u00f6steriyor. B\u00fct\u00fcn oyuncular yeni d\u00f6nem i\u00e7in pozisyon al\u0131yor.<\/p>\n\n\n\n

Paran\u0131n yeni d\u00fcnyas\u0131nda yer kapma yar\u0131\u015f\u0131n\u0131n ba\u015flad\u0131\u011f\u0131 \u00e7ok net.<\/h3>\n\n\n\n

Bu yaz\u0131 ilk olarak 31 A\u011fustos 2026 tarihinde, BloombergHT sitesinde yay\u0131nlanm\u0131\u015ft\u0131r.<\/a><\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Stablecoin\u2019ler paralar\u0131 blockchain \u00fczerinde k\u00fcresel olarak da\u011f\u0131t\u0131labilir hale getirirse, bir para biriminin g\u00fcc\u00fc sadece o \u00fclkenin ekonomisine veya bankac\u0131l\u0131k sistemine ba\u011fl\u0131 olmayacak. Ge\u00e7ti\u011fimiz hafta Revolut\u2019un euro bazl\u0131 stablecoin\u2019i EURR\u2019yi piyasaya s\u00fcrmesiyle ba\u015flayan haber, ilk bak\u0131\u015fta yeni bir fintech \u00fcr\u00fcn\u00fc gibi g\u00f6r\u00fcn\u00fcyordu. Ancak son g\u00fcnlerde JPMorgan\u2019\u0131n kendi stablecoin\u2019ini de\u011ferlendirdi\u011fini, Visa ve Mastercard\u2019\u0131n stablecoin altyap\u0131s\u0131na ciddi yat\u0131r\u0131mlar […]<\/p>\n","protected":false},"author":2,"featured_media":1931,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":2246,"_ecomap_primary_org_name":"SC Y\u00f6netim & Dan\u0131\u015fmanl\u0131k","_ecomap_mentioned_org_ids":"[]","_ecomap_related_org_ids":"","_ecomap_match_confidence":0,"_ecomap_email_message_id":"","_ecomap_email_from":"","_ecomap_editor_notes":"","_ecomap_original_body":"","_ecomap_skills_applied":"","_ecomap_language":"","_ecomap_source":"","_ecomap_auto_published":"","_ecomap_topics":"","_ecomap_mentioned_people":"[{\"name\":\"Soner Canko\",\"role\":\"\",\"quote\":false,\"ecomap_person_id\":821,\"source\":\"editor\"}]","_aeroflow_canonical_url":"https:\/\/www.bloomberght.com\/yorum\/dr-soner-canko\/3786860-paranin-yeni-dunyasinda-yer-kapma-yarisi","footnotes":""},"categories":[5],"tags":[],"content_type":[],"class_list":["post-1929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makale"],"_links":{"self":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts\/1929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/comments?post=1929"}],"version-history":[{"count":3,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts\/1929\/revisions"}],"predecessor-version":[{"id":1934,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts\/1929\/revisions\/1934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/media\/1931"}],"wp:attachment":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/media?parent=1929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/categories?post=1929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/tags?post=1929"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/content_type?post=1929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}