{"id":49364,"date":"2021-03-21T19:54:00","date_gmt":"2021-03-21T19:54:00","guid":{"rendered":"https:\/\/cryptonews.com\/tr\/?p=49364"},"modified":"2023-06-26T11:13:19","modified_gmt":"2023-06-26T11:13:19","slug":"duzenlenmis-fatf-kripto-yonergeleri-hala-merkezi-denetime-dayali","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/tr\/exclusives\/duzenlenmis-fatf-kripto-yonergeleri-hala-merkezi-denetime-dayali\/","title":{"rendered":"D\u00fczenlenmi\u015f FATF Kripto Y\u00f6nergeleri Hala &#8216;Merkezi Denetime Dayal\u0131&#8217;"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Mali Eylem G&ouml;rev G&uuml;c&uuml;<\/strong>&#8216;n&uuml;n (FATF) kripto sekt&ouml;r&uuml;n&uuml; denetleyen denet&ccedil;iler i&ccedil;in yak&#305;n zamanda g&uuml;ncellenen k&#305;lavuzu her zaman sekt&ouml;rde ve &ouml;tesinde dalgalar yaratt&#305;. Olmayacak bir i&#351;i yapmaya &ccedil;al&#305;&#351;t&#305;klar&#305;na y&ouml;nelik iddialara ra&#287;men, d&uuml;zenleyiciler kripto uyumlulu&#287;u i&ccedil;in b&uuml;t&uuml;n gayretleriyle &ccedil;al&#305;&#351;maya devam ediyorlar.<\/p><figure class=\"image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/w\/articles-attachments\/1\/605\/6e1266ec50.jpg\" alt=\"\" srcset=\"https:\/\/cimg.co\/w\/articles-attachments\/1\/605\/6e1266ec50.jpg 300w, https:\/\/cimg.co\/w\/articles-attachments\/2\/605\/6e1266ec50.jpg 600w, https:\/\/cimg.co\/w\/articles-attachments\/3\/605\/6e1266ec50.jpg 720w, https:\/\/cimg.co\/w\/articles-attachments\/4\/605\/6e1266ec50.jpg 900w, https:\/\/cimg.co\/w\/articles-attachments\/0\/605\/6e1266ec50.jpg 1073w\" sizes=\"100vw\"><\/figure><p>Kaynak: Adobe\/Jarretera<\/p><p>Her &#351;eye ra&#287;men, d&uuml;nyan&#305;n d&ouml;rt bir yan&#305;ndaki h&uuml;k&uuml;metler potansiyel olarak sorunlu Seyahat Kural&#305; da dahil olmak &uuml;zere, kendi ulusal hukuk kurallar&#305;nda yer alan y&ouml;nergelerine y&ouml;nelik s&uuml;reci &ccedil;oktan ba&#351;latt&#305;lar.<\/p><p><strong>Karapara Aklamay&#305; &Ouml;nleme Sertfikal&#305; Uzmanlar Derne&#287;i<\/strong>&#8216;nde (ACAMS) Amerika K&#305;tas&#305; Karapa Aklamay&#305; &Ouml;nleme Ba&#351;kan&#305; William Scott Grob, FATF&#8217;nin son &ccedil;abalar&#305;n&#305;n &#8220;sekt&ouml;r&uuml;n ihtiya&ccedil; duydu&#287;u eksiksiz &ccedil;&ouml;z&uuml;mden uzak&#8221; oldu&#287;unu, ancak bunun yine de &#8220;denet&ccedil;ilerin konuyu ele almak i&ccedil;in ugulad&#305;&#287;&#305; iyi bir giri&#351;im&#8221; oldu&#287;unu iddia etti.<\/p><p><i>Cryptonews.com<\/i>&#8216;a konu&#351;an Grob, konu kara para aklama (AML), ter&ouml;r&uuml;n finansman&#305;yla m&uuml;cadele (CTF) ve n&uuml;kleer silahlar&#305;n yay&#305;lmas&#305; finansman&#305;n&#305; &ouml;nleme ile m&uuml;cadele s&ouml;z konusu oldu&#287;unda FATF&#8217;nin &#8220;teknik uygunluk &ouml;nerileri&#8221; konusundaki yakla&#351;&#305;m&#305;n&#305;n iyi niyetli olabilece&#287;ini, ancak ger&ccedil;ek d&uuml;nyada &#8220;bu &ccedil;abalar&#305;n mali su&ccedil;lar&#305; hen&uuml;z hafifletmedi&#287;ini&#8221; belirtti.<\/p><p>Grob &#351;unlar&#305; s&ouml;yledi:<\/p><blockquote><p>&#8220;Bu, su&ccedil; faaliyetine de&#287;inmeden bir ileri bir geri ilerleyen yava&#351; bir y&uuml;r&uuml;y&uuml;&#351;. Bilakis, su&ccedil; &ouml;rg&uuml;tleri kamusal emsallerinden daha bilgili ve daha tekniksel bir hal ald&#305;.&#8221;<\/p><\/blockquote><p>Ger&ccedil;ekten de baz&#305;lar&#305; &ouml;zellikle de kripto s&ouml;z konusu oldu&#287;unda, d&uuml;zenleyicilerin neredeyse her zaman kendilerini hem sekt&ouml;rdeki yenilik&ccedil;ilerin hem de vicdans&#305;z siber su&ccedil;lular&#305;n bir ad&#305;m gerisinde buldu&#287;u konusunda hemfikirdir.<\/p><p>Sekt&ouml;rden bir uzman ge&ccedil;en y&#305;l&#305;n sonlar&#305;nda <i>Cryptonews.com<\/i>&#8216;a b&uuml;y&uuml;k &ouml;l&ccedil;&uuml;de kriptoya &ouml;zg&uuml; sekt&ouml;rler yerine geleneksel finans sekt&ouml;r&uuml; i&ccedil;in ge&ccedil;erli olan ilkelere dayand&#305;&#287;&#305;n&#305; hissetti&#287;i ger&ccedil;e&#287;inden dolay&#305; Seyahat Kural&#305;n&#305;n &#8220;amaca uygun olmad&#305;&#287;&#305;n&#305;&#8221; s&ouml;yledi.<\/p><p>Grob, Seyahat Kural&#305;n&#305;n &#8220;teknoloji gereksinimlerinden &ouml;d&uuml;n vermeden bir&ccedil;ok kripto savunucusunu tatmin etmeyece&#287;ini&#8221; kabul etti ve &#351;u a&ccedil;&#305;klamalarda bulundu:<\/p><blockquote><p>&#8220;&Ouml;deme &#351;effafl&#305;&#287;&#305;, g&ouml;nderen taraf&#305;n arac&#305;n&#305;n, al&#305;c&#305;n&#305;n ve yararlan&#305;c&#305;n&#305;n ayr&#305;nt&#305;lar&#305; hakk&#305;nda netli&#287;e sahip olmas&#305;n&#305; sa&#287;layan bir bilgi aktar&#305;m y&ouml;ntemi &uuml;zerine in&#351;a edilmi&#351;tir.&#8221;<\/p><\/blockquote><p>Ancak, bu &#8220;geleneksel yakla&#351;&#305;m&#305;n&#8221; finans kurumlar&#305;n&#305; &#8220;teknolojiden ba&#287;&#305;ms&#305;z olarak benzer bir &#351;ekilde&#8221; denetlemeyi ama&ccedil;lad&#305;&#287;&#305;n&#305; da s&ouml;zlerine ekledi.<\/p><p>Grob, FATF&rsquo;in yakla&#351;&#305;m&#305;n&#305;n &#8220;t&uuml;m taraflara uygulanan merkezi kontrole dayand&#305;&#287;&#305;n&#305;&#8221; belirtti. Kriptonun do&#287;as&#305; merkeziyetsizlik modelleri etraf&#305;nda in&#351;a edildi&#287;i i&ccedil;in d&uuml;zenleyicinin sekt&ouml;r&uuml; giremeyece&#287;i ve girmeyece&#287;i bir y&ouml;ne &ccedil;ekmeye &ccedil;al&#305;&#351;t&#305;&#287;&#305; g&ouml;r&uuml;l&uuml;yor.<\/p><h2>&#304;lk ba&#351;ta ba&#351;aramazsan&#305;z&#8230;<\/h2><span class=\"replacer\"><\/span><p>Tarihin sekt&ouml;re bu konularda verece&#287;i bir ders varsa, o da &#351;udur: D&uuml;zenleyiciler, i&#351;e yarayan bir &ccedil;&ouml;z&uuml;m bulamazlarsa, u&#287;ra&#351;maktan vazge&ccedil;meyecekler.<\/p><figure class=\"image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/p\/no_image.svg\" alt=\"\" sizes=\"100vw\" class=\" lazyload\" data-src=\"https:\/\/cimg.co\/w\/articles-attachments\/1\/605\/6dfd9dd85d.jpg\" data-srcset=\"https:\/\/cimg.co\/w\/articles-attachments\/1\/605\/6dfd9dd85d.jpg 300w, https:\/\/cimg.co\/w\/articles-attachments\/2\/605\/6dfd9dd85d.jpg 600w, https:\/\/cimg.co\/w\/articles-attachments\/3\/605\/6dfd9dd85d.jpg 720w, https:\/\/cimg.co\/w\/articles-attachments\/4\/605\/6dfd9dd85d.jpg 900w, https:\/\/cimg.co\/w\/articles-attachments\/0\/605\/6dfd9dd85d.jpg 469w\"><\/figure><p>William Scott Grob<\/p><p>Belki de kan&#305;tlar g&ouml;steriyor ki, ba&#351;tan a&#351;a&#287;&#305;ya bir &ccedil;&ouml;z&uuml;m gerekli de&#287;ildir: Baz&#305; &uuml;lkelerin d&uuml;zenleme &ccedil;abalar&#305; konusunda &ouml;zel sekt&ouml;rden yard&#305;m almaya &ccedil;al&#305;&#351;t&#305;klar&#305; Do&#287;u Asya&#8217;ya bakarak bir yan&#305;t bulunabilece&#287;ine dair i&#351;aretler var.<\/p><p>FATF, g&uuml;ncellenmi&#351; y&ouml;nergelerde, en b&uuml;y&uuml;k finansal d&uuml;zenleyici olan <strong>Finansal Hizmetler Ajans&#305;<\/strong>&#8216;n&#305;n (FSA) 2017&#8217;de ciddi anlamda sanal varl&#305;k hizmet sa&#287;lay&#305;c&#305;lar&#305;n&#305; (VASP&#8217;ler) denetlemeye ba&#351;lad&#305;&#287;&#305; Japonya durumunu tart&#305;&#351;&#305;yor.<\/p><p>FSA&#8217;n&#305;n 2017 ara&#351;t&#305;rmalar&#305;, FATF&#8217;nin ifadesiyle, &#8220;M&uuml;&#351;teri Durum Tespiti (CDD) ve M&uuml;&#351;terinizi Tan&#305;y&#305;n (KYC) kalitesinde ve kay&#305;t tutmada tutarl&#305; hatalar&#305;n yan&#305; s&#305;ra &ouml;nemli pozisyonlarda d&uuml;zenleyici anlay&#305;&#351; ve uzmanl&#305;k eksikli&#287;i buldu.&#8221;<\/p><p>FATF devam etti:<\/p><blockquote><p>&ldquo;Bu sorunlar&#305; ele alman&#305;n ve en iyi uygulamalar&#305; sunman&#305;n &ouml;nemli bir yolu da sekt&ouml;rle diyalog kurmak olabilir. FSA, kar&#351;&#305;la&#351;t&#305;&#287;&#305; sorunlarla ilgili geri bildirim sa&#287;lamak &uuml;zere esas olarak kendi kendini d&uuml;zenleyen Japonya Sanal ve Kripto Varl&#305;k De&#287;i&#351;im Derne&#287;i arac&#305;l&#305;&#287;&#305;yla VASP&#8217;lere d&uuml;zenli olarak ula&#351;m&#305;&#351;t&#305;r.&#8221;<\/p><\/blockquote><p>Grob da Japonya ve Singapur&#8217;un VASP uyumlulu&#287;uyla ilgili konularda diyalog a&ccedil;&#305;s&#305;ndan zengin yakla&#351;&#305;mlar&#305;yla do&#287;ru yolda olduklar&#305;n&#305; d&uuml;&#351;&uuml;n&uuml;yor.<\/p><p>Grob, &#8220;Hem Japonya hem de Singapur, daha fazla &ouml;zel sekt&ouml;r-kamu i&#351;birli&#287;ini, teknoloji odakl&#305; &ccedil;&ouml;z&uuml;mler &uuml;retmeyi ve sanal varl&#305;k toplulu&#287;u ile daha anlaml&#305; bir m&uuml;zakereyi vurguluyor. Yapt&#305;r&#305;m eylemleriyle cezaland&#305;rmaktansa ilerici bir yakla&#351;&#305;m olarak teknolojiden ve teknolojinin arkas&#305;ndaki kurulu&#351;lardan yararlanmay&#305; tercih ediyorum&#8221; dedi.<\/p><h2>Gelecek perspektifleri<\/h2><span class=\"replacer\"><\/span><p>K&#305;sa vadede, FATF&#8217;nin ger&ccedil;ekten sapmak istemedi&#287;i bir yol haritas&#305; var gibi g&ouml;r&uuml;nd&uuml;&#287;&uuml; i&ccedil;in d&uuml;zenleyici ortam&#305;n &ccedil;ok fazla de&#287;i&#351;mesi olas&#305; g&ouml;r&uuml;nm&uuml;yor.<\/p><p>Ancak Grob, yine de biraz esneklik pay&#305; oldu&#287;unu ima etti.<\/p><p>FATF, 2019 y&#305;l&#305;n&#305;n yaz&#305;nda yay&#305;nlanan orijinal k&#305;lavuzlar&#305;nda, kendi <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/www.fatf-gafi.org\/publications\/fatfrecommendations\/documents\/public-statement-virtual-assets.html\">s&ouml;zleriyle<\/a> &ldquo;&uuml;lkelerin hizmet sa&#287;lay&#305;c&#305;lar&#305;n kara para aklama ve ter&ouml;r finansman&#305; risklerini de&#287;erlendirmelerini ve azaltmalar&#305;n&#305; ve FATF tavsiyeleri kapsam&#305;nda t&uuml;m AML\/CFT &ouml;nleme tedbirlerini uygulamalar&#305;n&#305; sa&#287;lamalar&#305;n&#305; gerektiren 15 tavsiyesini tan&#305;tt&#305;.&rdquo;<\/p><p>Bunlar, &#8220;m&uuml;&#351;teri durum tespiti, kay&#305;t tutma, &#351;&uuml;pheli i&#351;lem bildirimi&#8221; ve &#8220;t&uuml;m i&#351;lemlerin hedeflenen mali yapt&#305;r&#305;mlara uygunluk a&ccedil;&#305;s&#305;ndan taranmas&#305;n&#305;&#8221; i&ccedil;erir. FATF, bunun &#8220;AML\/CFT d&uuml;zenlemesine tabi di&#287;er varl&#305;klar gibi&#8221; yap&#305;laca&#287;&#305;n&#305; belirtti.<\/p><p>Ancak FATF, Cayman Adalar&#305; ve Danimarka&#8217;daki ilerlemeye ili&#351;kin yak&#305;n tarihli bir takip raporunda bir dereceye kadar esnek olabilece&#287;ini g&ouml;sterdi.<\/p><p>Grob, yakla&#351;&#305;m tamamen mevcut finansal sistemleri korumaya y&ouml;nelik oldu&#287;u i&ccedil;in, FATF&#8217;nin &#8220;15. Tavsiye Karar&#305;n&#305;n geriletilerek &uuml;lkeleri VASP kontrollerini iyile&#351;tirmeye te&#351;vik edece&#287;ini&#8221; s&ouml;yl&uuml;yor.<\/p><p>Her &#351;eye ra&#287;men, uluslararas&#305; d&uuml;zenleyiciler sekt&ouml;r&uuml; denetleme konusunda ger&ccedil;ekten ciddiyse, &ccedil;ok &#351;eyin de&#287;i&#351;mesi gerekiyor.<\/p><p>Grob, FATF&#8217;nin &#8220;yasa uygulama ve s&uuml;rd&uuml;rme konuusundaki bo&#351;luklar&#305; ele almas&#305; gerekti&#287;ini&#8221; belirtti.<\/p><p>D&uuml;zenleyicilerin enerjilerini denetim rejimlerini g&uuml;&ccedil;lendirmeye ve &#8220;d&uuml;zenlenmi&#351; kurulu&#351;lara AML, CTF ve yay&#305;lmay&#305; &ouml;nleme kontrollerini y&uuml;r&uuml;rl&uuml;&#287;e koymalar&#305; i&ccedil;in bask&#305; yapmaya&#8221; harcamaya devam etmekten ziyade, kripto sekt&ouml;r&uuml;n&uuml;n &ccedil;ok farkl&#305; bir ilkeler k&uuml;mesi etraf&#305;nda in&#351;a edildi&#287;ini fark etmelerinin &ouml;nemli oldu&#287;unu belirtti.<\/p><p>Grob, &#8220;Sekt&ouml;r uyum sa&#287;lad&#305;k&ccedil;a bilgi, yeterlilik ve teknik uzmanl&#305;kta yeni bo&#351;luklar ortaya &ccedil;&#305;kacak&#8221; dedi.<\/p><p>Grob, ba&#351;ar&#305;n&#305;n anahtar&#305;n&#305;n &ouml;nceki d&uuml;zenleyici &ccedil;abalar&#305;n&#305;n, hem t&uuml;ketici hem de vergi m&uuml;kellefleri i&ccedil;in ACAMS y&ouml;neticisinin &#8220;maliyetli bir uygulama&#8221; olarak adland&#305;rd&#305;&#287;&#305; &#8220;y&uuml;ksek riskli m&uuml;&#351;terilerin, yarg&#305; alanlar&#305;n&#305;n ve kanallar&#305;n su&ccedil; faaliyetlerini ele almadan finansal olarak d&#305;&#351;lanmas&#305;ndan&#8221; biraz daha fazlas&#305;na yol a&ccedil;t&#305;&#287;&#305;n&#305; anlamay&#305; i&ccedil;erece&#287;ini sonucuna vard&#305;.<\/p><p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Mali Eylem G&ouml;rev G&uuml;c&uuml;&#8216;n&uuml;n (FATF) kripto sekt&ouml;r&uuml;n&uuml; denetleyen denet&ccedil;iler i&ccedil;in yak&#305;n zamanda g&uuml;ncellenen k&#305;lavuzu her zaman sekt&ouml;rde ve &ouml;tesinde dalgalar yaratt&#305;. Olmayacak bir i&#351;i yapmaya &ccedil;al&#305;&#351;t&#305;klar&#305;na y&ouml;nelik iddialara ra&#287;men, d&uuml;zenleyiciler kripto uyumlulu&#287;u i&ccedil;in b&uuml;t&uuml;n gayretleriyle &ccedil;al&#305;&#351;maya devam ediyorlar.Kaynak: Adobe\/JarreteraHer &#351;eye ra&#287;men, d&uuml;nyan&#305;n d&ouml;rt bir yan&#305;ndaki h&uuml;k&uuml;metler potansiyel olarak sorunlu Seyahat Kural&#305; da dahil olmak &uuml;zere, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,5],"tags":[96,221],"editors":[],"sponsored_companies":[],"class_list":["post-49364","post","type-post","status-publish","format-standard","hentry","category-exclusives","category-features","tag-bitcoin","tag-duzenleme"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00fczenlenmi\u015f FATF Kripto Y\u00f6nergeleri Hala &#039;Merkezi Denetime Dayal\u0131&#039; - 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