Banks reliably land money in a Turkish account, but they're often the slowest and priciest, and your recipient needs an IBAN ready.
Money-transfer apps are cheaper and faster, but usually your recipient needs their app or a bank account set up first.
Lumenia's angle is different: the person you send to needs nothing — no app, no account, no IBAN, and nothing to pay to receive. Today that's on a test network; turning dollars into lira in a bank will come via licensed partners.