Turkey Cracks Down on Crypto: New Law Imposes Caps, Delays & AML Enforcement in 2025

On June 28, 2025, Turkey’s MASAK announced new crypto regulations via Official Gazette, bringing major changes under Law No. 5549. Communiqué No. 29 enforces:

• 48-hour delays for all crypto transfers

• 72-hour delay on first-time crypto withdrawals

• $3,000 per transfer, $50,000 daily cap

• Mandatory ID verification and 20-character transaction descriptions

• Independent audits for all AML protocols and real-time suspicious activity reporting

While market making or arbitrage may be exempt with board approval, non-compliance will lead to immediate revocation and severe penalties.

With one of the world’s highest crypto adoption rates, Turkey is now aligning itself with international financial standards—emphasizing transparency, risk prevention, and investor security.

Example Scenario

Situation:

• You have 3,000 USDT in your wallet.

• You want to withdraw 1,000 USDT.

If You Withdraw Crypto (USDT):

• 48-hour waiting period (72 hours for first withdrawal).

• Daily limit: $3,000 (for stablecoins).

• Monthly limit: $50,000.

• Result: To withdraw 1,000 USDT, you must wait at least 48 hours.

If You Sell USDT for TRY and Withdraw to Bank:

• Step 1: Sell 1,000 USDT for TRY (e.g., 32,500 TRY).

• Step 2: Withdraw this TRY to your bank account:

  • No waiting period.

  • Limits depend only on the exchange’s policy (e.g., Binance TR allows max 50,000 TRY daily).

• Result: You can withdraw instantly, no 48-hour wait.

✅ Crypto withdrawal (USDT/BTC) → 48-hour wait.
✅ TRY withdrawal → No wait, instant transfer.