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TROY is a payment system developed to meet Türkiye’s need for a domestic payment infrastructure and launched in 2016 under the umbrella of the Interbank Card Center. TROY, defined as the domestic payment method embedded on bank cards, credit cards, and prepaid cards, has been opened for joint use by financial institutions in Türkiye. Over time, it has become valid across nearly the entire domestic transaction network and, through collaborations with international card schemes, has gained availab