The platform for modern finance

Sovereign. Fluid. Unlocked.

The financial operating system for Türkiye. Accept payments, move money, and hold value on one rail built for the Lira economy.

Discover the app
₺2.21Tmonthly card paymentsBKM · 2025
54%contactless growth (YoY)BKM · 2025
463Mcards in circulationBKM · 2025
70Msmartphone usersTÜİK · 2025
29%of card spend is onlineBKM · 2025
$6.2Bdigital wallet market2025
₺2.21Tmonthly card paymentsBKM · 2025
54%contactless growth (YoY)BKM · 2025
463Mcards in circulationBKM · 2025
70Msmartphone usersTÜİK · 2025
29%of card spend is onlineBKM · 2025
$6.2Bdigital wallet market2025
Capabilities

Everything you need.
Nothing you don't.

01

Devİşim SoftPOS

Hardware-free checkout. Turn any smartphone into an elite merchant terminal instantly. Accept direct contactless card taps via peer-to-peer NFC coupling, generate CBRT-compliant dynamic TR Karekod invoices, and automate e-Fatura bookkeeping logs with zero monthly bank leasing fees.

02

AI-Native Command HUD

Natural language action engine. An intelligent voice and text bar floating beneath the phone's Dynamic Island. Enter a raw directive like “Ali Yılmaz'a hemen 3000 TL gönder”—the system bypasses clunky banking menus, validates device biometrics, and executes the FAST network transfer within 2 seconds.

03

DevBoost™ Wage Access

Frictionless liquidity control. Eradicate outdated monthly payroll restrictions and predatory interest cycles. Employees track accrued earnings in real time and draw down up to 30% of their completed labor instantly for a transparent, flat processing fee of 75 TL.

04

DevMap Discovery Layer

Localized merchant growth. A monochromatic, clutter-free geolocation grid tracking neighborhood esnaf spots running our SoftPOS suite. Merchants broadcast free, real-time flash promotions, letting nearby users spot exclusive deals and instantly route automated Lira-cashback rewards back to their wallets.

Mission

A financial system that
belongs to Türkiye.

DevPay is the rail beneath the Lira economy — built so value can be accepted, moved, and protected by everyone, everywhere in the region.

I

Sovereignty

DevPay exists because a nation's money should move on its own rails — not rented from systems built elsewhere, for elsewhere. We are building the financial operating system that lets Türkiye own the infrastructure beneath its economy.

National Rails

Built on
Türkiye's rails.

DevPay connects to the infrastructure Türkiye already runs on — FAST, BKM, TR Karekod, e-Fatura and GİB — with data held in-country and compliance built into the core, not retrofitted to it.

<2s
FAST settlement
100%
In-country data
0
Hardware needed
National BackboneConnected
FAST
Instant settlement, seconds not T+1
Live
BKM
Interbank card scheme
Live
TR Karekod
CBRT-compliant QR payments
Live
e-Fatura · GİB
Automated tax bookkeeping
Live
BDDK · MASAK
KYC, AML & audit logging
Aligned
TR–Gulf–Asia corridor
Cross-border settlement
Beta
Who it's for

Built for everyone the old system left waiting.

Whether you're sending your first 100 lira or settling cross-border at scale — DevPay is one account, built around how you actually live and work.

People

Students & first-timers

Your first real account, born on the phone you already live on.

No branch, no minimum balance, no paperwork. Split bills with friends in seconds, tap to pay anywhere, and start building a financial footprint from day one.

CoreJuniorCommand

Families & everyday life

One account for the whole household — bills, groceries, money home.

Receive income, pay bills, shop, and send money to family instantly — any day, any hour. Hold value in gram gold or FX so inflation stops quietly eating what you earn.

CoreLifeStability AICommand

Workers & earners

Get paid, protect it, and reach it before payday.

Send money with a single instruction, defend your balance against Lira depreciation, and draw wages you've already earned — no interest, no debt.

CoreDevBoostStability AICommand
Business

Tradespeople & small merchants

The corner shop, the market stall, the salon.

Turn the phone in your pocket into a full card terminal — contactless taps, QR invoices, automatic e-invoicing. No reader to buy, no monthly lease. Money lands the second the customer taps.

SoftPOSDevMap

Businesses & platforms

From growing startups to companies moving money at scale.

One API for payments, payouts, KYC, and compliance — instead of stitching together a bank, a POS vendor, and three providers. Accept, pay out, and stay aligned on rails that clear instantly.

MerchantInstitutional APICore
The vision

The corridor

Value moving freely across Türkiye, the Gulf, and Central Asia.

The region's money still crawls across borders on rails built for a slower world. We're building the corridor that moves value in local currency on both ends, at mid-market rates.

Cross-BorderBuilding
DevPayIcon
EMV chip

Card holder

Aylin Demir

The DevPay Card Ecosystem

A card for every life.

IconEveryday, done right.

Secure, reliable access to payments and the essentials — the dependable card for daily life on the DevPay rail.

Shared across every tier

NFC contactless

Tap to pay anywhere contactless is accepted, at home or abroad.

Virtual & physical

A virtual card the moment you sign up, with a physical card on request.

Biometric authorization

Fingerprint, Face ID, and palm-based auth gate every sensitive action.

Tokenized by default

No exposed numbers or CVVs — dynamic cryptograms secure every transaction.

Wallet-native

Connected directly to your DevPay multi-currency wallet, in real time.

One ecosystem

One family of brands.
One financial rail.

Every DevPay company plugs into the same infrastructure — from youth banking to merchant terminals to cross-border liquidity.

DevJunior
Youth Banking
Devİşim
Merchant SoftPOS
Value Mesh
Liquidity Network
DevTeknoloji
Core Engineering
DevHayat
Insurance & Life
Value Yatırım
Investments
DevJunior
Youth Banking
Devİşim
Merchant SoftPOS
Value Mesh
Liquidity Network
DevTeknoloji
Core Engineering
DevHayat
Insurance & Life
Value Yatırım
Investments
DevJunior
Youth Banking
Devİşim
Merchant SoftPOS
Value Mesh
Liquidity Network
DevTeknoloji
Core Engineering
DevHayat
Insurance & Life
Value Yatırım
Investments
Security

Trust isn't claimed.
It's engineered.

A payments company asks people to hand over the thing they work hardest for. So trust isn't a word on a page here — it's a property of the system itself. Nothing about your money depends on taking our word for it.

And where a standard is something we've built toward rather than been formally certified for, we say so. The cross-border corridor is still being built — we label it as such, not dressed up as a live product.

Built around the rules that govern Turkish finance
BDDKMASAKKVKKPCI DSS

Biometric by default

Funds and sensitive actions sit behind biometric confirmation on the device itself. Nothing moves without you.

Regulated custody

Every balance is held under regulated custody, with strong encryption at rest and in transit. Not our word — the system's.

Zero-trust by design

No part of the system implicitly trusts another, so a single compromised point can't cascade. Attacks are contained, detected, stopped early.

Your data stays in Türkiye

Held in-country, governed by Turkish law. Never sold, never quietly shared. We collect only what the service genuinely requires.

Old way vs. DevPay

The old way wasn't built for how you live.

Banking was designed around branches, business hours, and hardware. DevPay was designed around a phone, the rails Türkiye already runs on, and the speed money actually needs to move.

Settlement
The old wayT+1
DevPay2 sec

Money lands the next business day — longer over weekends.

Clears to your wallet in seconds over FAST, any day.

We say "built to" the CBRT framework, not "licensed" — and the cross-border corridor stays tagged beta until it's live. Everything else is a concrete property of the product as built.

The rails for
the Lira economy.

Turn any phone into a terminal, any wallet into a treasury. Accept, move, and protect value in real time — built in Türkiye, for Türkiye.

Open account

No hardware. No leasing. No gatekeepers.