Coding for the Future
Since 2018, we have been providing end-to-end services to global companies in financial technologies, crypto exchange setup, and B2B blockchain architectures.
Years of Fintech Experience
Global Enterprise Projects
Regulation and Legal Compliance
Our Vision
At the intersection of Traditional Finance (TradFi) and Decentralized Finance (DeFi), we build robust and scalable infrastructures that enable institutions to step confidently into tomorrow. We don't just write code, we set ecosystem standards.
Corporate Identity
- Company: iO40 Finansal Teknolojiler A.Ş.
- Tax Office & No: Küçükyalı V.D - 4781198629
- Mersis No: 0478119862900001
- Trade Registry No: 1046798
- Duns No: 595918653
- KEP & UETS: io40.finansal@hs01.kep.tr
25888-12507-31037 - Quality Certificates: ISO 27001, ISO 9001, CE
Bank Accounts
Our Leadership Team
Meet the team that founded and grows io40.
iO40 Brands & Integrations
Our Mission & Vision
Our Mission
To democratize financial technology by making enterprise-grade infrastructure accessible to businesses of all sizes across emerging markets. We believe that regulatory complexity and technological barriers should not prevent any organization from participating in the modern digital financial ecosystem. io40 bridges this gap by providing turnkey solutions — from blockchain architecture to regulatory licensing — that allow our clients to launch, scale, and operate with confidence. Our mission-driven approach means we do not just deliver software; we deliver regulatory certainty, operational resilience, and long-term partnership that enables businesses to navigate the rapidly evolving fintech landscape without compromise.
Our Vision
A world where every business can participate in the digital financial ecosystem, regardless of geography or regulatory complexity. We envision a future in which the infrastructure required to issue digital assets, obtain fintech licenses, process cross-border payments, and comply with international AML frameworks is as accessible as cloud hosting. io40 is building toward this future by standardizing complex compliance workflows, automating regulatory reporting, and creating modular technology stacks that can be deployed globally. Whether a startup in Istanbul, a payment processor in Almaty, or a crypto exchange in Frankfurt, every organization deserves world-class fintech infrastructure supported by genuine expertise.
Global Presence
Turkey HQ
Istanbul, Maltepe — Our primary development center, home to our core engineering, product, and legal compliance teams. Established in 2020, Istanbul remains the nerve center for all technology development, client onboarding, and Turkish regulatory operations under BDDK, SPK, and MASAK oversight.
Germany — EU Operations
Solingen, North Rhine-Westphalia — Our European Union operations hub, strategically located for BaFin regulatory engagement, MiCA compliance, and serving German and broader EU clients. The Solingen office enables io40 to provide on-the-ground EU support for VASP licensing, e-money institution applications, and MiCA readiness assessments across the European market.
Regional Coverage
Our client and partner network spans Europe, the Middle East, Central Asia, and Southeast Asia. Active projects in UAE, Saudi Arabia, Kazakhstan, Uzbekistan, Malaysia, and Singapore demonstrate the breadth of our expertise in cross-border fintech deployments and multi-jurisdictional regulatory compliance.
Remote-First Delivery
io40 operates a distributed delivery model, allowing our specialists to work across time zones and regulatory environments without geographic friction. From KYC integration for a European neobank to blockchain architecture for a Central Asian payment institution, our remote-first capability ensures consistent quality delivery worldwide.
Certifications & Regulatory Expertise
Security Standards
- ✓ ISO 27001 Information Security Management (target certification roadmap active)
- ✓ OWASP-compliant secure development lifecycle
- ✓ SOC 2 Type II readiness framework
- ✓ End-to-end encryption, HSM key management, cold storage protocols
Technology Partnerships
- ✓ Hyperledger Foundation — enterprise blockchain frameworks
- ✓ Ethereum ecosystem — EVM-compatible smart contract deployment
- ✓ Layer 2 scaling solutions — Polygon, Arbitrum, Optimism
- ✓ Chainlink oracle integrations for DeFi protocols
Regulatory Expertise
- ✓ Turkey: BDDK, SPK (CASP), MASAK (AML/CFT)
- ✓ EU: BaFin Germany, MiCA Regulation, PSD2
- ✓ FATF Recommendations: Travel Rule, STR, CDD/EDD
- ✓ KVKK / GDPR dual-compliance data governance
Our Team
io40 is powered by a multidisciplinary team of 30+ engineers, compliance specialists, and financial consultants who collectively bring deep expertise in blockchain architecture, cybersecurity, regulatory law, and enterprise software. Our team composition reflects the complexity of the fintech landscape: we deliberately combine technologists who understand regulatory constraints with compliance experts who understand technical possibilities.
Our engineering team covers the full stack — from smart contract security audits to API-first backend development, mobile applications, and infrastructure automation. Our compliance team includes former banking supervisors, legal counsel with BDDK and BaFin experience, and AML specialists certified under FATF guidelines.
Every client project at io40 is assigned a dedicated team spanning technical architecture, compliance advisory, and project delivery — ensuring that no aspect of a complex fintech deployment is left to generalists or outsourced to third parties without oversight.