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Domandis fatis dispès
Chestis a son dome cualchidune des domandis fatis dispès di une liste plui lungje che tu puedis cjatâ fasint clic sul boton "Altris FAQs".
Taler nol à bisugne di nissune tecnologjie di Blockchain e no si base nancje su proof-of-work (prove di lavôr - mecanisim di consens) o su altris mecanisims di consens distribuît. Impen, Taler si base su firmis vuarbis. Dut câs, in teorie al è pussibil cumbinâ Taler cun cripto-valudis peer-to-peer come Bitcoin.
Dut câs, si podarès vê la pussibilitât di prelevâ monede denominade in Bitcoin intun tacuin Taler (cuntun servizi di cambi/scambi adat), chest al puartarès vantaçs in confront al Bitcoin "pûr", par esempli i timps di conferme istantanis.
Il to tacuin al conserve la monede digjitâl e duncje, in definitive, il to computer al ten il salt. Taler Exchange (servizi di cambi/scambi) al ten intun cont di regolament i fonts corispondents a ducj i bêçs che no son stâts spindûts.
Stant che la monede digjitâl di Taler tal to tacuin e je anonime, il servizi di cambi/scambi nol pues judâti a recuperâ un tacuin pierdût o robât. Propite come un tacuin fisic par contants, tu sês tu responsabil di tignîlu al sigûr.
Taler al supuarte i paiaments push (inviâ) e pull (ricevi) tra tacuins (cognossûts ancje come paiaments direts tra utents o peer-to-peer). Se i tiei amîs ti dan bens o servizis in cambi di un paiament, a puedin cun facilitât creâ un ambient comerciâl Taler par marcjadants e ricevi il paiament sul lôr cont bancjari.
Ancje se al somee che il paiament al sucedi in mût diret ta i tacuins, a nivel tecnic la operazion e passe pal furnidôr dal servizi di paiament che pal solit al sarà obleât par leç a identificâ il destinatari dai fonts prime di permeti il completament de transazion.
I tacuins Taler a puedin tignî monedis digjitâls che a corispuindin a plui valudis diviersis, come par esempli Euros, Dolars americans o Bitcoins.
Pal moment Taler nol ufrìs conversions tra lis valudis.
Il to tacuin al ten la monede digjitâl che a son firmadis in mût anonim di un operadôr di scambi. L'ûs di firmis vuarbis al protêç la tô riservatece e al preven che l'operadôr di cambi/scambi al savedi par cuâl client e je stade firmade la monede.
The Taler protocol allows any exchange to set its own fee structure, allowing operators to set fees for withdrawing, depositing, refreshing or refunding coins. Operators can also charge fees for closing reserves and for (aggregated) wire transfers to merchants. Merchants may choose to cover some of the fees customers incur. Actual transaction costs are estimated around 0.001 cent/transaction (at high transaction rates, amortized over billions of transactions, excluding migration costs). Note that this is an early estimate, details may depend on hosting and backup requirements from the regulator and could thus easily be 10x higher.
Taler's wallet supports multiple currencies, but the system currently does not support conversion between currencies. However, in principle an entity that accepts deposits in one currency and allows withdrawals in another currency could be created. Still, the regulatory hurdles in this case tend to be particularly complex. The focus for Taler is on day-to-day payments, so we have no plans to support currency conversion in the near future.
We believe the European Electronic Money Directive provides part of the regulatory framework a Taler exchange with coins denominated in Euros would have to follow.
Past Events
These are some remarkable events concerning Taler.
November 11, 2022
Setembar 16, 2020
GNU Taler launched at Bern University of Applied Sciences
The GNU Taler payment system was launched at the Bern University of Applied Sciences in the presence of a representative of the Swiss National Bank.
July 7, 2020
Exchange independent security audit report published
Code Blau, Berlin-based independent security auditor, examined the Exchange code of Taler.
Publications
This is an overview of selected publications about Taler.
Decoding Digital Assets: Distinguishing the Dream from the Dystopia in Stablecoins, Tokenized Deposits, and Central Bank Digital Currencies
By Leon Schumacher
Book (2024)
Zero-Knowledge Age Restriction for GNU Taler
By Özgür Kesim, Christian Grothoff, Florian Dold, Martin Schanzenbach
Article (2022)
A digital euro and the future of cash
By Martin Summer and Hannes Hermanky (Oesterreichische Nationalbank AG / National Bank of Austria)
Article (2022)
Come una banca centrale dovrebbe emettere una moneta digitale
By David Chaum, Christian Grothoff, Thomas Moser, translated by Dora Scilipoti, with support by Luca Saiu
Article (2022)
How to issue a Central Bank Digital Currency
By David Chaum, Christian Grothoff, Thomas Moser
Article (2021)
Comment émettre une monnaie numérique de banque centrale
By David Chaum, Christian Grothoff, Thomas Moser, translated by Marie Walrafen and Emmanuel Benoist
Article (2021)
Why a Digital Euro should be Online-first and Bearer-based
By Christian Grothoff and Florian Dold
Article (2021)
Peer-to-Peer Transactions for Privacy-Preserving Mobile Payments using GNU Taler
By J. Florian Kimmest
Bachelor Thesis (2020)
Embedded system for GNU/Taler: Designing an embedded system for cashless payment on a vending machine
By Dominik Wenger
Bachelor Thesis (2020)
The GNU Taler System: Practical and Provably Secure Electronic Payments
By Florian Dold
PhD Thesis (2019)