{"id":68842,"date":"2026-09-25T10:44:54","date_gmt":"2026-09-25T10:44:54","guid":{"rendered":"https:\/\/www.vtmarkets.com\/tr-mena\/uncategorized\/ibm-swift-and-the-rise-of-tokenised-bank-deposits\/"},"modified":"2026-09-25T10:44:54","modified_gmt":"2026-09-25T10:44:54","slug":"ibm-swift-and-the-rise-of-tokenised-bank-deposits","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/tr-mena\/featured\/ibm-swift-and-the-rise-of-tokenised-bank-deposits\/","title":{"rendered":"IBM, Swift ve Tokenle\u015ftirilmi\u015f Banka Mevduatlar\u0131n\u0131n Y\u00fckseli\u015fi"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1250\" height=\"700\" src=\"https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain.webp 1250w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-300x168.webp 300w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-768x430.webp 768w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-500x280.webp 500w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-400x224.webp 400w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-350x196.webp 350w, https:\/\/www.vtmarkets.com\/tr-mena\/wp-content\/uploads\/sites\/9\/2026\/09\/BankBlockchain-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">Temmuzda Washington\u2019da dijital para kavgas\u0131 ya\u015fand\u0131. <a href=\"https:\/\/www.vtmarkets.com\/featured\/cryptos-next-chapter-is-being-written-by-banks\/?utm_source=Opinion&amp;utm_content=SwiftTokenisedDeposits\" target=\"_blank\" rel=\"noopener\">Bankalar ile kripto \u015firketleri, mevduat\u0131n kimin kontrol\u00fcnde olaca\u011f\u0131 i\u00e7in kulis yapt\u0131<\/a>; oda\u011fa \u201cstabil kripto para\u201d (de\u011feri genelde dolara sabitlenen dijital para) \u00f6d\u00fclleri yerle\u015fti ve Kongre arada kald\u0131. Kripto bankac\u0131l\u0131\u011fa girmeye \u00e7al\u0131\u015f\u0131rken, bankalar a\u011f\u0131rl\u0131kla savunmada kald\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu hafta bankalar, altyap\u0131yla kar\u015f\u0131l\u0131k verdi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u015fembe g\u00fcn\u00fc IBM, <a href=\"https:\/\/newsroom.ibm.com\/2026-09-24-ibm-expands-its-digital-banking-infrastructure-with-swift-integration-and-digital-asset-haven-on-prem\" target=\"_blank\" rel=\"noopener nofollow\">Digital Asset Haven platformunu Swift\u2019in blokzincir tabanl\u0131 payla\u015f\u0131ml\u0131 defterine ba\u011flad\u0131<\/a>. B\u00f6ylece bankalar, \u201ctokenle\u015ftirilmi\u015f mevduat\u201d (bankadaki mevduat\u0131n dijital bir \u201cjeton\/varl\u0131k\u201d gibi temsil edilmesi) transfer talimatlar\u0131n\u0131, s\u0131n\u0131r \u00f6tesi \u00f6demelerde zaten kulland\u0131klar\u0131 mesaj standard\u0131 ISO 20022 \u00fczerinden verebilecek. Ayn\u0131 g\u00fcn Birle\u015fik Krall\u0131k\u2019ta yedi banka <a href=\"https:\/\/www.ukfinance.org.uk\/tokenised-sterling-deposits\" target=\"_blank\" rel=\"noopener nofollow\">tokenle\u015ftirilmi\u015f sterlinle ilk canl\u0131 m\u00fc\u015fteri \u00f6demelerini<\/a> tamamlad\u0131. Hi\u00e7biri Kongre\u2019yi beklemedi. IBM \u00f6zelli\u011fi h\u00e2l\u00e2 beta (erken test) a\u015famas\u0131nda ve hen\u00fcz banka isimleri a\u00e7\u0131klanmad\u0131; ancak y\u00f6n net.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bankalar\u0131n zaten para harcad\u0131\u011f\u0131 y\u00fckseltme<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">IBM\u2019nin ad\u0131m\u0131n\u0131n \u00f6nemi, geleneksel \u00f6demelerin yerini almakta de\u011fil; blokzincir kabiliyetlerini mevcut bankac\u0131l\u0131k altyap\u0131s\u0131na ba\u011flamas\u0131nda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar, daha zengin \u00f6deme verisi i\u00e7in ortak bir \u201cdil\u201d olu\u015fturan <a href=\"https:\/\/www.swift.com\/standards\/iso-20022\/iso-20022-financial-institutions-focus-payments-instructions\" target=\"_blank\" rel=\"noopener nofollow\">ISO 20022<\/a>\u2019ye ge\u00e7i\u015fe y\u0131llard\u0131r yat\u0131r\u0131m yap\u0131yor. IBM\u2019nin \u201cadapt\u00f6r\u201d\u00fc (mevcut sistem ile yeni sistem aras\u0131nda \u00e7evirmen gibi \u00e7al\u0131\u015fan ba\u011flant\u0131 katman\u0131), bankalar\u0131n tamamen ayr\u0131 blokzincir s\u00fcre\u00e7leri kurmadan ayn\u0131 mesajla\u015fma katman\u0131 \u00fczerinden tokenle\u015ftirilmi\u015f mevduat transferi talimat\u0131 vermesine imk\u00e2n tan\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu da benimsenmenin \u00f6n\u00fcndeki en b\u00fcy\u00fck engellerden birini d\u00fc\u015f\u00fcr\u00fcyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7o\u011fu banka i\u00e7in sorun, blokzincir teknolojisinin var olup olmamas\u0131 de\u011fildi. As\u0131l sorun, bu teknolojiyi operasyonlara, uyum (mevzuata uyum) s\u00fcre\u00e7lerine ve geleneksel finans sistemlerine g\u00f6re kurulmu\u015f risk y\u00f6netimi \u00e7er\u00e7evelerine ba\u011flayabilmekti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tokenle\u015ftirilmi\u015f mevduat bir ara yol sunuyor: Bankalar, daha h\u0131zl\u0131 ve \u201cprogramlanabilir\u201d mutabakat\u0131 (kurallar\u0131 \u00f6nceden kodlanm\u0131\u015f otomatik \u00f6deme\/teslim s\u00fcre\u00e7leri) denerken, mevduat\u0131 yine d\u00fczenlemeye tabi banka y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olarak tutuyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tokenle\u015ftirme, deney olmaktan \u00e7\u0131k\u0131p altyap\u0131ya d\u00f6n\u00fc\u015f\u00fcyor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n yakla\u015f\u0131m\u0131, daha geni\u015f bir d\u00fczenleyici de\u011fi\u015fimle de uyumlu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IBM duyurusundan iki g\u00fcn \u00f6nce, <a href=\"https:\/\/www.cftc.gov\/PressRoom\/SpeechesTestimony\/opaselig11\" target=\"_blank\" rel=\"noopener nofollow\">CFTC Ba\u015fkan\u0131 Michael Selig, New York Fed konferans\u0131nda<\/a> ABD piyasalar\u0131n\u0131n \u201ckitlesel tokenle\u015ftirmeye\u201d ve \u201czincir \u00fcst\u00fc finans (onchain finance: i\u015flemlerin blokzincir \u00fczerinde y\u00fcr\u00fct\u00fclmesi) ile 7\/24 piyasalara\u201d haz\u0131rlanmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu a\u00e7\u0131klamalar yeni bir kural ya da takvim belirlemedi. Ancak tart\u0131\u015fman\u0131n y\u00f6n\u00fcn\u00fc g\u00f6steriyor: D\u00fczenleyiciler ve finans kurumlar\u0131, tokenle\u015ftirilmi\u015f varl\u0131klar\u0131n mevcut piyasalarda nas\u0131l \u00e7al\u0131\u015faca\u011f\u0131na daha fazla odaklan\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenleme sorusu h\u00e2l\u00e2 a\u00e7\u0131k. Tokenle\u015ftirme; banka ihra\u00e7l\u0131 dijital mevduat, stabil kripto paralar ve di\u011fer blokzincir tabanl\u0131 varl\u0131klar gibi farkl\u0131 bi\u00e7imler alabilir. Her model; g\u00f6zetim, mutabakat, likidite (paraya \u00e7evrilebilirlik) ve eri\u015fim konusunda farkl\u0131 sorular do\u011furur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dijital paran\u0131n arkas\u0131ndaki altyap\u0131 yar\u0131\u015f\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banka \u00f6nc\u00fcl\u00fc\u011f\u00fcndeki yakla\u015f\u0131m, dijital para altyap\u0131s\u0131n\u0131n nas\u0131l \u015fekillenece\u011fine dair daha geni\u015f bir rekabetin par\u00e7as\u0131.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Model<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Paray\u0131 kim \u00e7\u0131kar\u0131r<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Ana avantaj<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Ana zorluk<\/strong><\/td><\/tr><tr><td>Tokenle\u015ftirilmi\u015f banka mevduat\u0131<\/td><td>D\u00fczenlemeye tabi bankalar<\/td><td>Paray\u0131 mevcut bankac\u0131l\u0131k sisteminin i\u00e7inde tutar<\/td><td>Bankalar aras\u0131 birlikte \u00e7al\u0131\u015fabilirlik (farkl\u0131 sistemlerin sorunsuz konu\u015fmas\u0131)<\/td><\/tr><tr><td>Stabil kripto paralar (USDT, USDC)<\/td><td>\u00d6zel \u015firketler<\/td><td>K\u00fcresel blokzincir likiditesi<\/td><td>D\u00fczenleme ve rezerv denetimi (arkadaki teminat\u0131n kontrol\u00fc)<\/td><\/tr><tr><td>Halka a\u00e7\u0131k blokzincirler<\/td><td>Merkezsiz a\u011flar<\/td><td>A\u00e7\u0131k eri\u015fim ve k\u00fcresel mutabakat<\/td><td>Kurumsal benimseme ve uyum<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli nokta: Bu modeller birbirinden kopuk geli\u015fmiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar, kripto a\u011flar\u0131n\u0131n \u00f6ne \u00e7\u0131kard\u0131\u011f\u0131 fikirleri \u00f6d\u00fcn\u00e7 al\u0131yor: programlanabilir varl\u0131klar, blokzincir \u00fczerinden mutabakat ve 7\/24 transfer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 anda kripto altyap\u0131s\u0131 da geleneksel finansa yakla\u015f\u0131yor. Stabil kripto para ihra\u00e7\u00e7\u0131lar\u0131 birden fazla blokzincire yay\u0131l\u0131rken, finans kurumlar\u0131 dijital varl\u0131klar\u0131n kurumsal mutabakat ak\u0131\u015flar\u0131n\u0131n par\u00e7as\u0131 olup olamayaca\u011f\u0131n\u0131 inceliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Soru giderek \u015funa d\u00f6n\u00fcyor: <strong>\u00d6deme \u201craylar\u0131n\u0131\u201d (paran\u0131n ge\u00e7ti\u011fi altyap\u0131 hatlar\u0131n\u0131) kim kontrol edecek: bankalar m\u0131, \u00f6zel dijital para ihra\u00e7\u00e7\u0131lar\u0131 m\u0131, yoksa a\u00e7\u0131k a\u011flar m\u0131?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bankalar\u0131n do\u011fal avantaj\u0131 neden var?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tokenle\u015ftirilmi\u015f mevduat\u0131n en g\u00fc\u00e7l\u00fc arg\u00fcman\u0131, bankalar\u0131n zaten kontrol etti\u011fi yap\u0131n\u0131n \u00fcst\u00fcne kurulmas\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tokenle\u015ftirilmi\u015f mevduat, d\u00fczenlemeye tabi bir finans kurumundan alacak hakk\u0131 olmaya devam eder. Banka, m\u00fc\u015fteri ili\u015fkisini, uyum y\u00fck\u00fcml\u00fcl\u00fcklerini ve bilan\u00e7oyla ba\u011flant\u0131y\u0131 (mevduat\u0131n bankan\u0131n borcu olmas\u0131) elinde tutar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00f6nemli; \u00e7\u00fcnk\u00fc bir\u00e7ok kurumsal \u00f6deme yaln\u0131zca h\u0131zdan ibaret de\u011fildir. \u015eunlar\u0131 gerektirir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kimlik kontrolleri (m\u00fc\u015fterini tan\u0131\/KYC),<\/li>\n\n\n\n<li>d\u00fczenleyici g\u00f6zetim,<\/li>\n\n\n\n<li>likidite y\u00f6netimi,<\/li>\n\n\n\n<li>muhasebele\u015ftirme,<\/li>\n\n\n\n<li>hukuki kesinlik.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7ok uluslu bir \u015firketin i\u015ftirakleri aras\u0131nda para ta\u015f\u0131mas\u0131nda, blokzincir transferi ancak mevcut hazine (treasury) sistemlerine uyuyorsa i\u015fe yarar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IBM\u2019nin Swift entegrasyonu (iki sistemi birlikte \u00e7al\u0131\u015ft\u0131ran ba\u011flant\u0131) burada \u00f6nem kazan\u0131yor. Bankalardan s\u0131f\u0131rdan yeni blokzincir s\u00fcre\u00e7leri kurmalar\u0131n\u0131 istemek yerine, blokzinciri mevcut altyap\u0131ya ba\u011fl\u0131 yeni bir \u00f6deme hatt\u0131 h\u00e2line getirmeyi hedefliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mevduat bankan\u0131n y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olarak kal\u0131r, m\u00fc\u015fteri kontrolleri s\u00fcrer ve mevcut denetim devam eder. Hafta sonu i\u015ftirakler aras\u0131nda para aktaran bir \u015firket hazinedar\u0131 i\u00e7in, h\u0131z ile tan\u0131d\u0131k koruman\u0131n birle\u015fimini stabil kripto paran\u0131n ayn\u0131 \u015fekilde sunmas\u0131 zordur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Banka Mesaisi D\u0131\u015f\u0131nda da \u00c7al\u0131\u015f\u0131yor<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banka modeli art\u0131k deney a\u015famas\u0131n\u0131 a\u015fmaya ba\u015fl\u0131yor. Swift, <a href=\"https:\/\/www.swift.com\/news-events\/press-releases\/swifts-blockchain-ledger-ready-use-17-banks-set-pioneer-tokenised-cross-border-payments-trusted-global-infrastructure\">Temmuzda 17 bankayla blokzincir defterini devreye ald\u0131<\/a>. Eyl\u00fcl ba\u015f\u0131nda ise <a href=\"https:\/\/www.financexmagazine.com\/post\/citi-moves-tokenised-deposits-on-swift-ledger-with-fab-and-ocbc\">Citi, First Abu Dhabi Bank ve OCBC ile bu defter \u00fczerinden dolar ta\u015f\u0131d\u0131<\/a>. Bu, muhabir bankac\u0131l\u0131\u011f\u0131n (bankalar aras\u0131 arac\u0131l\u0131 yap\u0131) h\u00e2l\u00e2 ba\u011fl\u0131 oldu\u011fu \u201ckesim\/son i\u015flem saati\u201d pencerelerinin d\u0131\u015f\u0131nda tokenle\u015ftirilmi\u015f mevduat transferlerini g\u00f6sterdi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Birle\u015fik Krall\u0131k\u2019taki tokenle\u015ftirilmi\u015f sterlin denemesi daha yerel ilerledi. Barclays, HSBC, Lloyds ve NatWest\u2019in de bulundu\u011fu yedi kat\u0131l\u0131mc\u0131; yeniden ipotek (remortgage) \u00f6demeleri ve t\u00fcketici i\u015flemleri gibi kullan\u0131m alanlar\u0131n\u0131 test ederek benzer bir e\u015fi\u011fe ayn\u0131 d\u00f6nemde ula\u015ft\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar i\u00e7in tablo net: Mevduat bankan\u0131n y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olarak kal\u0131r, m\u00fc\u015fteri kontrolleri s\u00fcrer, denetim devam eder. Hafta sonu i\u015ftirakler aras\u0131nda para aktaran kurumsal hazine i\u00e7in, h\u0131z ile mevcut kontrollerin birle\u015fimi tokenle\u015ftirilmi\u015f mevduat\u0131n temel cazibesidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Banka modelinin zorland\u0131\u011f\u0131 yer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lk s\u0131n\u0131r mutabakat. Swift\u2019in defteri (ledger: i\u015flemlerin kaydedildi\u011fi payla\u015f\u0131ml\u0131 kay\u0131t sistemi) \u00f6demeleri 7\/24 koordine edebilir; ancak nihai mutabakat h\u00e2l\u00e2 merkez bankas\u0131 \u00f6deme hatlar\u0131 gibi mevcut sistemlerden ge\u00e7er ve bu sistemler mesai saatleriyle \u00e7al\u0131\u015f\u0131r. Aradaki bo\u015flukta bankalar, bu sistemler yeniden a\u00e7\u0131ld\u0131\u011f\u0131nda birbirlerinin y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirece\u011fine g\u00fcvenmek zorunda kal\u0131r. Pilot \u00f6l\u00e7ekte, tan\u0131d\u0131k taraflar aras\u0131nda bu \u00e7al\u0131\u015f\u0131r. \u00d6l\u00e7ek b\u00fcy\u00fcd\u00fc\u011f\u00fcnde, gece ve hafta sonu biriken risk anlam\u0131na gelir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130kincisi par\u00e7alanma. Tokenle\u015ftirilmi\u015f mevduat, onu \u00e7\u0131karan bankadan alacak hakk\u0131 oldu\u011fu i\u00e7in kendi a\u011f\u0131nda kolay, d\u0131\u015far\u0131da daha zordur. Swift\u2019in, Birle\u015fik Krall\u0131k\u2019\u0131n ve ABD\u2019de The Clearing House\u2019un ayr\u0131 sistemler kurmas\u0131, birbirine ba\u011flanmayan h\u0131zl\u0131 \u015feritler riski yarat\u0131r. Swift, ge\u00e7mi\u015fte \u00f6deme mesajlar\u0131nda oldu\u011fu gibi aradaki k\u00f6pr\u00fc olabilece\u011fine oynuyor. Bu, bankalar kendi a\u011flar\u0131n\u0131 korumak yerine kat\u0131lmay\u0131 se\u00e7erse \u00e7al\u0131\u015f\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir de \u00f6l\u00e7ek var. Pilot bankalardan 17\u2019si, Swift a\u011f\u0131ndaki yakla\u015f\u0131k 12.500 kurumun k\u00fc\u00e7\u00fck bir k\u0131sm\u0131; kavram kan\u0131t\u0131 (proof of concept: fikrin \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 g\u00f6steren s\u0131n\u0131rl\u0131 deneme) Aral\u0131k\u2019a kadar ve hacimler bilin\u00e7li olarak k\u00fc\u00e7\u00fck. Buna kar\u015f\u0131l\u0131k stabil kripto paralar <a href=\"https:\/\/stablecoinbeat.com\/tracker\/\">yakla\u015f\u0131k 300 milyar dolara<\/a> ula\u015fm\u0131\u015f durumda ve zincir \u00fczerinde g\u00fcn\u00fcn her saati mutabakat yapabiliyor. USDC her yerde ayn\u0131 USDC\u2019dir. Banka tokenlar\u0131 bu ta\u015f\u0131nabilirli\u011fi (farkl\u0131 ortamlarda ayn\u0131 \u015fekilde kullan\u0131labilmeyi) kazanmak zorunda. Stabil kripto paralar buna zaten sahip olarak ba\u015flad\u0131.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bundan sonra \u00f6l\u00e7eklenmeyi ne belirleyecek<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banka modelinde ivme var. \u0130ki b\u00fcy\u00fck piyasada canl\u0131, bankalar\u0131n zaten \u00e7al\u0131\u015ft\u0131rd\u0131\u011f\u0131 sistemlerle uyumlu ve d\u00fczenleyiciler tokenle\u015ftirilmi\u015f, 7\/24 piyasalara a\u00e7\u0131k \u015fekilde haz\u0131rlan\u0131yor. Ancak modelin h\u00e2l\u00e2 kan\u0131tlamas\u0131 gereken iki konu var: Nihai mutabakat mesai saatlerindeyken 7\/24 talimat vermenin yeterli olup olmad\u0131\u011f\u0131 ve ayr\u0131 banka a\u011flar\u0131n\u0131n rekabet etmek yerine ba\u011flan\u0131p ba\u011flanmayaca\u011f\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6n\u00fcm\u00fczdeki aylar bunu netle\u015ftirecek. Swift\u2019in Aral\u0131k sonras\u0131 pilotu b\u00fcy\u00fct\u00fcp b\u00fcy\u00fctmeme karar\u0131, bankalar\u0131n de\u011fer g\u00f6r\u00fcrse kal\u0131c\u0131 taahh\u00fct verip vermeyece\u011fini g\u00f6sterecek. IBM\u2019nin m\u00fc\u015fteri isimlerini a\u00e7\u0131klamas\u0131, adapt\u00f6re ger\u00e7ek talep olup olmad\u0131\u011f\u0131n\u0131 ortaya koyacak. Ayr\u0131ca Birle\u015fik Krall\u0131k grubunun bir sonraki a\u015famas\u0131\u2014tokenle\u015ftirilmi\u015f mevduat\u0131 dijital varl\u0131klar\u0131n mutabakat\u0131nda kullanmak\u2014banka paras\u0131 ile kriptonun do\u011frudan temas etti\u011fi yer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">VT Markets ile geli\u015fmeleri izleyin<\/h3>\n\n\n\n<script type=\"module\" src=\"https:\/\/widgets.tradingview-widget.com\/w\/en\/tv-ticker-tape.js\"><\/script>\n\n<tv-ticker-tape symbols=\"NYSE:IBM,NYSE:C,NYSE:HSBC,NYSE:BCS,NYSE:LYG,NYSE:NWG\"><\/tv-ticker-tape><br>\n\n\n\n<p class=\"wp-block-paragraph\">IBM\u2019de hisse fiyat\u0131n\u0131 a\u011f\u0131rl\u0131kla yaz\u0131l\u0131m ve dan\u0131\u015fmanl\u0131k i\u015fleri etkiliyor; Swift entegrasyonu ise bu i\u015flerin i\u00e7inde erken beta a\u015famas\u0131nda. Bankalar a\u00e7\u0131s\u0131ndan tokenle\u015ftirilmi\u015f mevduat, m\u00fc\u015fteri paras\u0131n\u0131 d\u00fczenlemeye tabi bankac\u0131l\u0131k sisteminin i\u00e7inde tutmaya y\u00f6nelik uzun vadeli \u00e7aban\u0131n par\u00e7as\u0131. Swift ve Birle\u015fik Krall\u0131k pilotlar\u0131 sonu\u00e7 a\u00e7\u0131klad\u0131k\u00e7a, bu \u00e7aba faiz oranlar\u0131 ve k\u00e2rl\u0131l\u0131\u011f\u0131n yan\u0131nda, piyasan\u0131n bankalara bi\u00e7ti\u011fi de\u011feri etkileyen unsurlardan biri h\u00e2line geliyor.<\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Tap for Trader&#8217;s Takeaway!<\/strong><\/summary>\n<p class=\"wp-block-paragraph\"><br><strong>IBM\u2019nin Swift blokzincir entegrasyonu nedir?<\/strong> <br>IBM, Digital Asset Haven platformunu Swift\u2019in blokzincir tabanl\u0131 payla\u015f\u0131ml\u0131 defterine ba\u011flad\u0131. Bu sayede bankalar, mevcut ISO 20022 \u00f6deme mesajla\u015fma standard\u0131n\u0131 kullanarak tokenle\u015ftirilmi\u015f mevduat transfer talimat\u0131 verebiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ISO 20022 nedir?<\/strong><br>ISO 20022, bankalar\u0131n \u00f6deme talimatlar\u0131n\u0131 ve talimata ek verileri hangi formatta g\u00f6nderece\u011fini tan\u0131mlayan k\u00fcresel finansal mesaj standard\u0131d\u0131r. Swift a\u011f\u0131n\u0131n 2025\u2019te bu standarda ta\u015f\u0131nmas\u0131, ayn\u0131 format\u0131 kullanan bir \u201cblokzincir adapt\u00f6r\u00fc\u201dn\u00fcn bankalarca daha kolay benimsenmesini sa\u011flar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankalar tokenle\u015ftirilmi\u015f mevduat i\u00e7in neden blokzincir kullan\u0131yor?<\/strong> <br>Bankalar, mevduat\u0131 d\u00fczenlemeye tabi banka y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olarak sistemin i\u00e7inde tutarken; daha h\u0131zl\u0131 mutabakat ve programlanabilir i\u015flem ak\u0131\u015flar\u0131 elde etmeyi hedefliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankalar tokenlar\u0131n\u0131 neden do\u011frudan birbirine ba\u011flam\u0131yor?<\/strong><br>Ba\u011flayabilirler; ancak her yeni banka, di\u011fer her bankayla ayr\u0131 anla\u015fma yapmak zorunda kal\u0131r. B\u00f6ylece ba\u011flant\u0131 say\u0131s\u0131 banka say\u0131s\u0131ndan \u00e7ok daha h\u0131zl\u0131 b\u00fcy\u00fcr ve muhabir bankac\u0131l\u0131ktaki yava\u015f, katmanl\u0131 yap\u0131 yeniden olu\u015fur. Swift gibi ortak bir a\u011f bunu azalt\u0131r; fakat yeterince banka kat\u0131l\u0131rsa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tokenle\u015ftirilmi\u015f banka mevduat\u0131, USDT ve USDC gibi stabil kripto paralardan nas\u0131l farkl\u0131d\u0131r?<\/strong> Tokenle\u015ftirilmi\u015f mevduat d\u00fczenlemeye tabi bankalar taraf\u0131ndan \u00e7\u0131kar\u0131l\u0131r. Stabil kripto paralar ise \u00f6zel \u015firketlerce \u00e7\u0131kar\u0131l\u0131r ve blokzincir a\u011flar\u0131 aras\u0131nda dijital para gibi dola\u015facak \u015fekilde tasarlan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Swift\u2019in blokzincir defteri XRP veya ETH mi kullan\u0131yor?<\/strong><br>Hay\u0131r. Bu defter izinli bir yap\u0131d\u0131r (permissioned: yaln\u0131zca yetkili kat\u0131l\u0131mc\u0131lar i\u015flem yapar) ve kendi yerel kripto paras\u0131 yoktur. <a href=\"https:\/\/finance.yahoo.com\/news\/swift-taps-linea-blockchain-messaging-012818986.html\">Ethereum tabanl\u0131 Linea<\/a> teknolojisinden yararlan\u0131r; ancak bankalar burada kripto de\u011fil, tokenle\u015ftirilmi\u015f mevduat ta\u015f\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D\u00fczenleyiciler bankac\u0131l\u0131kta blokzincir kullan\u0131m\u0131n\u0131 destekliyor mu?<\/strong> <br>D\u00fczenleyiciler tokenle\u015ftirme ve zincir \u00fcst\u00fc finans\u0131 daha fazla tart\u0131\u015f\u0131yor. Odak; dijital varl\u0131klar\u0131n sisteme nas\u0131l entegre edilece\u011fi, nas\u0131l denetlenece\u011fi ve nas\u0131l b\u00fcy\u00fct\u00fclece\u011fi.<\/p>\n<\/details>\n\n\n\n\n<p class=\"wp-block-paragraph\"><b>Hemen i\u015flem yapmaya ba\u015flay\u0131n \u2014 ger\u00e7ek VT Markets hesab\u0131n\u0131z\u0131 olu\u015fturmak i\u00e7in <a href=\"https:\/\/www.vtmarkets.com\/tr-mena\/trade-now\">buraya<\/a> t\u0131klay\u0131n.<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington\u2019daki stabilcoin kavgas\u0131 s\u00fcrerken bankalar hamle yapt\u0131: IBM, Swift defterini ISO 20022\u2019ye ba\u011flad\u0131; \u0130ngiltere\u2019de yedi banka tokenle\u015ftirilmi\u015f sterlinle canl\u0131 \u00f6deme ge\u00e7ti. 7\/24 token mevduat yar\u0131\u015f\u0131 k\u0131z\u0131\u015f\u0131yor.<\/p>\n","protected":false},"author":87,"featured_media":68841,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48,49],"tags":[],"class_list":["post-68842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-opinion"],"acf":{"acf_article_selection_author":null},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - 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