Limited scope#
The current design has no public borrower marketplace, loan matching or interest-bearing lending product. Both participants separately approve the record.
No live legal effect asserted#
Prototype terms and approvals are non-binding demonstrations. Device authentication and local consistency hashes do not establish an enforceable credit contract.
Required review#
A live implementation needs Turkish legal review of the arrangement, contracting and consent, record retention, dispute handling, permitted activities and Trust-based access controls. No general exemption or approval is claimed here.