Accounts and provider relationships#
Turkish consumers hold money across banks, foreign currency, gold, investment platforms and crypto. Each account explains a part of their position. Moving between them takes several interfaces.
Yuva is an institutionally neutral financial interface for Turkey. It presents a person’s accounts, financial contacts and obligations. Regulated providers hold the assets and execute regulated services.
Yuva at a glance#
- Smart Liquidity
- Estimates near-term TRY needs. The user chooses and authorizes a funding source when more cash is needed.
- Yuva Contact
- Connects an identity and username to a financial relationship. Send, request, split or lend from the contact profile.
- Private Obligations
- Records terms approved by two contacts, then tracks funding, repayments and extensions.
- Yuva Trust
- Explains on-platform repayment history. Verified repayment behavior matters more than optional feedback.
What Yuva solves#
A bank sees its accounts. A crypto provider sees its balances. An investment provider sees its portfolio. The customer must connect those views.
Yuva organizes the experience around the person, while each institution remains responsible for its own service.
How Yuva works#
The user interacts with Yuva. Provider interfaces connect approved actions to the underlying institution.
Current implementation#
The current bundled MVP runs locally with fictional identities, simulated provider receipts and local state. Device-owner authentication is available in the iPhone build. Nearby discovery and counterparty approvals are explicitly simulated.
Live provider integrations, customer verification and production settlement remain future work. The website’s embedded demo may differ from the latest device build.