Bienvenido a la solución Taler para CBDC
Taler como divisa digital de banco central
Nuestra avanzada infraestructura puede ser usada para crear una futura prueba en divisas digitales para bancos centrales, que puede superar la competencia mundial y permitir a los bancos mantener su soberanía.
¿Tienes curiosidad de saber más? El banco nacional de Suiza (SNB) ha escrito sobre los beneficios de nuestra tecnología en un exclusivo whitepaper:
SNB Whitepaper
El efectivo digital puede hacer más
El dinero efectivo digital con Taler, es mucho más que otro proyecto de sistema de pago electrónico. Taler transformará las economías:
Transparencia de ingresos con contratos definidos
Cumplimentación de tasas simplificada y auditorías de impuestos menos caras
Micro-pagos económicos en un solo clic
Habilitando nuevos modelos de negocio, especialmente para la publicación digital
Referencia de implementación en Software Libre
Respeta la soberanía individual y nacional
Verificación de la edad controlada por los progenitores respetando la privacidad
Proveemos de una protección a los jóvenes barata y cómoda
Capacidad multi-divisa
Divisas locales útiles para diversas zonas económicas
Los ciudadanos pueden pagar online sin necesidad de disponer de una cuenta bancaria
Habilita las remesas electrónicas de servicios sociales para poblaciones no bancarizadas
Tecnología probada
Taler is built on top of established, time-tested technologies with a conservative design:
- Common SQL database with Client-Server (HTTP-REST) APIs; no blockchain, no P2P network
- Well-understood inexpensive cryptographic building blocks (RSA, DSA); no ZK-SNARKs
- Concrete contracts with clear legal foundation; no VM, no Solidity smart-contracts
Comprehensive Execution
The Taler system is not just a wallet:
- Adapters for integration with the established banking system (LibEuFin)
- End-user backup and key management (Anastasis)
- Merchant integration and back-office support
Advantages of a Value-Based CBDC
As a value-based system Taler is the closest possible digital equivalent to cash. In addition to satisfying regulatory requirements, Taler allows central banks to be able to impose withdrawal limits to protect against bank runs or impose negative interest rates to disincentivize hoarding. The Taler CBDC architecture is two-tiered such that interactions would be facilitated by commercial banks. As a result, the central bank does not have to deal with citizen's accounts and associated Know-Your-Customer procedures and the associated support burden. Taler's privacy properties ensure that the central bank cannot come under political pressure to reveal information about citizens, while Taler's income transparency property ensures that the central bank receives key economic data to assist it with its economic analyses.
Hardware-Based CBDC
Offline-capable CBDCs based on hardware have serious drawbacks:
- Imposes cost to purchase specific hardware-solution on citizens
- Severe dependency on a small number of manufacturers with limited competition
- Hardware security frequently fails, especially against users with an incentive to attack devices under their physical control
- Competition with physical cash further exacerbates resilience against disasters involving power outages
CBDC basado en Software Libre
Free software is the best fit for a digital currency:
- Virtually zero cost to citizens to obtain, update or customize
- All software companies globally can offer service and support on an equal footing
- Transparency makes problems easier to detect, and software is inexpensive to update
- No competition for physical cash for offline use
