S.E.A. LAW GROUP
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FINTECH LAW & ELECTRONIC PAYMENT SERVICES

At S.E.A. Law Group, we provide end-to-end legal consultancy to companies operating under Law No. 6493 on payment services and electronic money issuance. Our firm advises startups, local institutions, and international service providers throughout their licensing, regulatory compliance, and operational structuring processes under Turkish financial legislation.

 

Our approach is tailored for clients seeking BRSA (BDDK) authorization, CBRT (TCMB) engagement, and full compliance with AML (MASAK), data protection (KVKK & GDPR), and sectoral obligations.

 

 

Licensing & Regulatory Advisory for Payment and E-Money Institutions

 

  • Legal support for obtaining Payment Institution (PI) and Electronic Money Institution (EMI) licenses under Law No. 6493

 

  • Preparation of all regulatory documents: internal policies, risk management frameworks, AML/KYC programs, corporate governance structure, business plans

 

  • Direct representation before BDDK, including the preparation and submission of license applications, responses to authority inquiries, and follow-up processes

 

  • Structuring service models involving agent networks, white-label partnerships, API-based services, and digital wallets

 

  • Ongoing support with post-licensing obligations: periodic reporting, regulatory notifications, and compliance audits

 

 

Operational Compliance & Legal Monitoring

 

  • Day-to-day legal advisory on regulatory compliance, financial operations, and internal policy alignment

 

  • Monitoring and implementing updates from CBRT, BDDK, and MASAK, including real-time adaptation to legislative changes

 

  • Review of internal audit results and design of legally sound corrective actions

 

  • Development of company-wide procedures to ensure ongoing compliance with payment regulations, AML, KYC, and data privacy standards
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Strategic Legal Support for Fintech Models

 

  • Legal structuring of fintech platforms in line with Turkish regulatory frameworks

 

  • Advising on integration of embedded finance, open banking, real-time payments (FAST), and cross-border capabilities

 

  • Drafting user agreements, service provider contracts, and digital onboarding documents in line with compliance needs

 

  • Support during regulatory inspections and enforcement procedures

 

 

 

Why S.E.A. Law Group?

 

At S.E.A. Law Group, we don’t just prepare license files — we design legally robust, regulator-ready, and business-oriented infrastructures for your payment and e-money operations. Whether you're launching a fintech venture or scaling a regulated financial institution, we deliver precise, strategic legal guidance at every stage of your regulatory journey.