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§ Private Profile · Ankara, Ankara
Onlayer is a technology company.
Onlayer develops an AI and machine learning-powered platform for business risk and performance management, specifically designed for the financial technology sector. Its comprehensive suite streamlines merchant onboarding, real-time portfolio monitoring, and PCI-DSS compliance, while also providing actionable insights through advanced analytics. The platform's technical approach focuses on automating risk mitigation and fostering secure growth throughout the digital business lifecycle.
The company was founded in 2019 by Kıvanç Harputlu, Emre Aydin, and Tunç Yıldırım. As seasoned professionals in risk, anti-fraud, and compliance, the co-founders identified a critical need for integrated solutions to protect and optimize the e-commerce and enterprise ecosystem. Their insight centered on the idea that robust security and compliance could simultaneously unlock significant growth opportunities for financial institutions.
Onlayer serves acquiring banks, payment service providers, and larger enterprises, including prominent institutions across EMEA and APAC. The company's vision is to empower digital trust by providing clients with the tools to proactively anticipate, identify, and mitigate online risks. This enables their customers to confidently navigate the competitive financial landscape, driving both operational efficiency and business expansion.
Onlayer has raised $9.6M across 4 funding rounds.
Onlayer has raised $9.6M in total across 4 funding rounds.
Onlayer has raised $9.6M across 4 funding rounds. Most recently, it raised $8.2M Series A in November 2025.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Nov 26, 2025 | $8.2M Series A | Ilker Sozdinler | Sandeep Gomes, Deniz Ventures, Gelecek Etki VC, Cenk Bayrakdar, Elif Emirli Altug, Phd, CFA | Announced |
| Feb 1, 2025 | $1M Seed | — | Burak Dayıoğlu, Engin Utkan, Melih Odemis, Omer Erkmen | Announced |
| Jul 1, 2021 | $170K Seed | — | Burak Dayıoğlu, Engin Utkan, Melih Odemis, Omer Erkmen | Announced |
| Jan 1, 2020 | $200K Seed | — | Burak Dayıoğlu, Engin Utkan, Melih Odemis | Announced |
Onlayer has raised $9.6M in total across 4 funding rounds.
Onlayer's investors include Ilker Sozdinler, Sandeep Gomes, Deniz Ventures, Gelecek Etki VC, Cenk Bayrakdar, Elif Emirli Altug, PhD, CFA, Burak Dayıoğlu, Engin Utkan, Melih Odemis, omer erkmen.
Onlayer is a fintech company providing an end-to-end platform for merchant management, focusing on onboarding, monitoring, compliance, and business intelligence to help banks, payment service providers (PSPs), and enterprises mitigate risks and drive growth.[1][2] Founded in 2019 by experts in risk, anti-fraud, and compliance, it serves acquiring banks, PSPs, and Global Top 100 enterprises in EMEA and APAC, consolidating revenue management, compliance processes, and risk oversight into a single AI-driven environment.[1][3] The platform addresses merchant and vendor risks in e-commerce while unlocking growth opportunities through features like lightning-fast onboarding, continuous monitoring, PCI-DSS compliance, and portfolio insights.[2] Onlayer operates in 12 countries with offices in London, Dubai, and Saudi Arabia, and recently raised $8.2 million in Series A funding in November 2025 to fuel global expansion in the Middle East, Africa, and Asia Pacific.[3][4]
Onlayer was founded in 2019 in Turkey by Kıvanç Harputlu (CEO), Emre Aydin (CTO), and Tunç Yıldırım (COO), a team of fintech and compliance professionals drawing from Turkey's advanced banking ecosystem.[1][3][4] The idea emerged from their expertise in risk, anti-fraud, and compliance, aiming to empower digital trust for banks and PSPs in managing merchant relationships.[1] Early traction built on delivering integrated solutions for onboarding, monitoring, and compliance, leading to operations across 12 countries.[3][4] Pivotal moments include a $1 million pre-Series A round in February 2025 and the $8.2 million Series A led by Oleka Capital, with participation from Deniz Ventures, Revo Capital, INVEST101, and others, accelerating product development and regional presence.[3][4]
Onlayer rides the wave of digital financial infrastructure growth, particularly in emerging regions like the Middle East, Africa, and Asia Pacific, where demand for robust merchant risk management surges amid e-commerce expansion and regulatory pressures.[3][4] Its timing aligns with accelerating digital transformation in banking, where fragmented compliance and risk tools hinder scalability—Onlayer's unified platform addresses this by consolidating functions, enabling faster onboarding and proactive revenue opportunities.[2][3] Market forces like rising fraud risks, PCI-DSS mandates, and the need for AI-powered monitoring favor its model, positioning it as a pioneer in fintech infrastructure for corporate client management.[1][3] By serving banks and PSPs globally, Onlayer influences the ecosystem by setting new efficiency standards, fostering secure growth, and supporting investors in scaling fintech innovations from Turkey to worldwide operations.[3][4]
Onlayer's $8.2 million Series A positions it for aggressive product enhancements and market penetration in high-growth regions, potentially solidifying its lead in AI-driven merchant management.[3][4] Trends like AI risk prediction, stricter global compliance (e.g., PCI-DSS evolutions), and e-commerce booms in MEA/APAC will propel its trajectory, with expanded presence likely boosting client adoption among more Global Top 100 firms.[1][2][3] Its influence may evolve from regional innovator to worldwide standard-setter, leveraging Turkey's banking maturity and investor backing to redefine digital trust—echoing its founding mission to empower banks and PSPs amid rising opportunities and risks.[1][3][4]