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[taler-marketing] branch master updated: cleanup
From: |
gnunet |
Subject: |
[taler-marketing] branch master updated: cleanup |
Date: |
Thu, 25 Jan 2024 23:17:15 +0100 |
This is an automated email from the git hooks/post-receive script.
grothoff pushed a commit to branch master
in repository marketing.
The following commit(s) were added to refs/heads/master by this push:
new b2e7752 cleanup
b2e7752 is described below
commit b2e7752f13874446a0bb5daf1155fc99241e47f0
Author: Christian Grothoff <christian@grothoff.org>
AuthorDate: Thu Jan 25 23:17:11 2024 +0100
cleanup
---
2019-osf/taler.md | 66 --
2019-osf/taler.tex | 72 --
2021-taler-vs-lightning/taler-vs-lightning.md | 72 --
2023-blockchain-integration.md | 29 -
ecb/age.txt | 94 --
ecb/answers.txt | 436 -------
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diff --git a/2019-osf/taler.md b/2019-osf/taler.md
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-GNU Taler: A Digital Cash Commons
-
-Economic activity is central to modern life, but with the disappearance of
-physical cash the monetary foundation for our economy is privatized.
-Contemporary trends are frightening: mass-surveillance is enabled by tracking
-consumers though payments, payment processors can and do impose economic death
-sentences on NGOs, business or individuals they disagree with, and oligopolies
-established by Big Tech charge excessive rent on their platforms in the form
-of high transaction fees. Alternative currencies using blockchains are mostly
-renowned for impractically low transaction rates, excessive energy consumption
-and virtually exclusive use for speculation and criminal transactions.
-
-With GNU Taler, we are creating an electronic payment system that is Free
-Software and (according to experts) compatible with existing regulations,
-including KYC, AML and GDPR. Payments are processed in existing currencies
-like Euros or Dollars. Taler offers customers privacy when they spend their
-electronic cash, but at the same time ensures that income is transparent to
-the state (facilitating anti-corruption and tax-collection efforts). Taler
-scales to millions of transactions per second, and is also environmentally
-responsible due to transaction costs substantially below those of cash or
-credit cards. As a result, consumers will finally be able to make
-micropayments. This will provide an alternative for funding of online
-journalists, bloggers and content creators, relieving their current dependence
-on advertisement revenue for their income. As a reserve-based system, Taler
-also has advantages for economically disadvantaged populations, as consumers
-need neither a bank account nor credit-worthiness. Our Free Software
-implementation can be modified to accomodate disabled people and to include
-educational features to teach users financial responsibility. Parents will be
-able to set budgets and restrict purchases of their children to
-age-appropriate goods and services.
-
-Taler's core technology is implemented and documented
-(https://docs.taler.net/) by the GNUnet (e.V.) community and Taler Systems SA
-(a business we founded to provide commercial support). We integrated the
-payment system with various demonstrator applications, from Web shops (such as
-WooCommerce) to in-person payments via QR code or NFC. The Taler wallet is
-available as a WebExtension for Chrome, Firefox and Brave, and also as an App
-for Android. There are ongoing discussions with several central banks (ECB,
-SNB) about the use of Taler as a CBDC. We also have a German community bank
-partnering with us to bring the system into commercial operation. Several
-organizations (like the Tor Project and various publishers) have signed
-letters of intent to deploy Taler as soon as we have regulatory approval and
-are in operation. A demo of online services that use GNU Taler for payments
-is available at https://demo.taler.net/.
-
-For regulatory approval, we need to still enhance the wallet with backup
-functionality, improve the documentation, and find a way to fund independent
-security audits. Additional funding is sought to port the Taler wallet to
-further platforms, add financial education features that analyze a user's
-spending on their own device, improve the documentation, and to translate our
-user interfaces into more languages.
-
-We will deploy the Taler system inside the University of Applied Sciences in
-Bern for internal payments in Q1 2020. After this small-scale operation that
-requires no regulatory approval, we will complete the integration with the
-German bank and proceed to document the system for regulatory approval. Once
-approved, we will launch the system with our media partners. Various
-non-profits have already signalled their support (Wau Holland Foundation,
-Renewable Freedom Foundation, DigitalCourage, as well as many individual
-Ashoka fellows, including people involved with Wikipedia and Change.org).
-After the launch, we will work in parallel on the integration with more and
-more platforms and also continue to push the development of the consumer's
-wallet (financial education, accessibility, translation). If we can show
-significant up-take, we envision to eventually transition the system to become
-a centrally banked digital currency operated by the respective central bank
-as legal tender.
diff --git a/2019-osf/taler.tex b/2019-osf/taler.tex
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--- a/2019-osf/taler.tex
+++ /dev/null
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-\documentclass{article}
-\usepackage[a4paper,total={6in,8in}]{geometry}
-\begin{document}
-\thispagestyle{empty}
-\begin{center}
- {\large GNU Taler: A Digital Cash Commons}
-\end{center}
-Economic activity is central to modern life, but with the disappearance of
-physical cash the monetary foundation for our economy is privatized.
-Contemporary trends are frightening: mass-surveillance is enabled by tracking
-consumers though payments, payment processors can and do impose economic death
-sentences on NGOs, business or individuals they disagree with, and oligopolies
-established by Big Tech charge excessive rent on their platforms in the form
-of high transaction fees. Alternative currencies using blockchains are mostly
-renowned for impractically low transaction rates, excessive energy consumption
-and virtually exclusive use for speculation and criminal transactions.
-
-With GNU Taler, we are creating an electronic payment system that is Free
-Software and (according to experts) compatible with existing regulations,
-including KYC, AML and GDPR. Payments are processed in existing currencies
-like Euros. Taler offers customers privacy when they spend their
-electronic cash, but at the same time ensures that income is transparent to
-the state (facilitating anti-corruption and tax-collection efforts). Taler
-scales to millions of transactions per second, and is also environmentally
-responsible due to transaction costs substantially below those of cash or
-credit cards. As a result, consumers will finally be able to make
-micropayments. This will provide an alternative for funding of online
-journalists, bloggers and content creators, relieving their current dependence
-on advertisement revenue for their income. As a reserve-based system, Taler
-also has advantages for economically disadvantaged populations, as consumers
-need neither a bank account nor credit-worthiness. Our Free Software
-implementation can be modified to accomodate disabled people and to include
-educational features to teach users financial responsibility. Parents will be
-able to set budgets and restrict purchases of their children to
-age-appropriate goods and services.
-
-Taler's core technology is implemented and documented
-(https://docs.taler.net/) by the GNUnet (e.V.) community and Taler Systems SA
-(a business we founded to provide commercial support). We integrated the
-payment system with various demonstrator applications, from Web shops (such as
-WooCommerce) to in-person payments via QR code or NFC. The Taler wallet is
-available as a WebExtension for Chrome, Firefox and Brave, and also as an App
-for Android. There are ongoing discussions with several central banks (ECB,
-SNB) about the use of Taler as a CBDC. We also have a German community bank
-partnering with us to bring the system into commercial operation. Several
-organizations (like the Tor Project and various publishers) have signed
-letters of intent to deploy Taler as soon as we have regulatory approval and
-are in operation. A demo of online services that use GNU Taler for payments
-is available at https://demo.taler.net/.
-
-For regulatory approval, we need to still enhance the wallet with backup
-functionality, improve the documentation, and find a way to fund independent
-security audits. Additional funding is sought to port the Taler wallet to
-further platforms, add financial education features that analyze a user's
-spending on their own device, improve the documentation, and to translate our
-user interfaces into more languages.
-
-We will deploy the Taler system inside the University of Applied Sciences in
-Bern for internal payments in Q1 2020. After this small-scale operation that
-requires no regulatory approval, we will complete the integration with the
-German bank and proceed to document the system for regulatory approval. Once
-approved, we will launch the system with our media partners. Various
-non-profits have already signalled their support (Wau Holland Foundation,
-Renewable Freedom Foundation, DigitalCourage, as well as many individual
-Ashoka fellows, including people involved with Wikipedia and Change.org).
-After the launch, we will work in parallel on the integration with more and
-more platforms and also continue to push the development of the consumer's
-wallet (financial education, accessibility, translation). If we can show
-significant up-take, we envision to eventually transition the system to become
-a centrally banked digital currency operated by the respective central bank
-as legal tender.
-\end{document}
diff --git a/2021-taler-vs-lightning/taler-vs-lightning.md
b/2021-taler-vs-lightning/taler-vs-lightning.md
deleted file mode 100644
index 95e8f25..0000000
--- a/2021-taler-vs-lightning/taler-vs-lightning.md
+++ /dev/null
@@ -1,72 +0,0 @@
-# Taler with blockchain adapter vs. Lightning
-
-## Lightning network
-
-The lightning network is an additional payment layer on top of Bitcoin. Its
-goal is to settle transactions faster without involving a full transaction on
-the Blockckain every time that money is moved, because that would be slow and
-expensive.
-
-It works by establishing "payment channels" between two parties, where both
-parties "lock" an initial amount (say, Alice locks 2 BTC and Bob locks 1 BTC to
-create a channel).
-
-Signatures communicated outside of the blockchain change how money is allocated
-between the two sides of the payment channel. Eventually a payment channel
will
-be closed by submitting a multi-party signature of the latest allocation
between
-the two parties to the Blockchain, and the locked money will be sent back to
-Alice/Bob according to the most recent allocation.
-
-A payment can be "routed" through a network of multiple bidirectional channels.
-If channels "Alice-Bob" and "Bob-Carol" exist and are funded, then Alice can
-send a payment to Carol over the route "Alice-Bob-Carol".
-
-
-Problems:
-
-* A payment can only be made if route made up of channels exists
- between the payer and payee.
-* Participating in the Lightning Network requires the participants
- to "lock" significant amounts of Bitcoin in a channel,
- resulting in opportunity costs.
-* To participate in Lightning Network payments, the payer+payee either need
- to run their own Bitcoin node (impossible for the average user)
- or fully trust a third-party Lightning Network node.
-* Privacy of payments is unclear [1], and
- there is no notion of "income transparency" for AML/KYC either.
-* Even though Lighning Network is theoretically decentralized,
- it is tending towards centralization in practice [2].
-* Fraud attempts are possible, and need to be resolved via
- a complex penalty system if channels are force-closed
- without taking the latest allocation of funds into account
-* The implementation is not yet battle-tested [3]
-
-## Taler with blockchain adapter
-
-Taler works by providing a central, trusted payment service provider that
-settles payments instantly via blind signature tokens. It can work
-with Blockchain or any other lower-level settlement layer.
-
-* Taler requires participants to trust the operator
- of the exchange, or at least the responsible auditor(s).
- Trust is required until the payment is settled on-chain.
-* Payments are always possible and instant when both parties
- trust the Taler exchange. Route establishment can't fail,
- payment channels can't be force-closed.
-* Taler covers more than just the settlement system: There is a wallet software
- (including Anastasis) and the merchant backend, which serves as an
- (on-premise or hosted) payment gateway that is easy to use for merchants.
-* There is no requirement to lock money up-front to participate.
- Payer/payee only need a wallet, and do not need to
- operate a node that needs to be permanently online.
-* Payments with Taler / T-BTC have clear privacy and income-transparency
- guarantees, and are based on signed, digital contract terms
- between the two parties.
-* T-BTC could be operated in two modes: Custodial and non-custodial.
- In the custodial version, the exchange would keep and fully manage the
- users' Bitcoin, whereas in the non-custodial version, the user would
- need their own Bitcoin address.
-
-[1] https://arxiv.org/abs/2003.12470
-[2] https://iopscience.iop.org/article/10.1088/1367-2630/aba062
-[3]
https://news.bitcoin.com/lightning-network-exploits-continue-to-hinder-the-bitcoin-scaling-solution/
diff --git a/2023-blockchain-integration.md b/2023-blockchain-integration.md
deleted file mode 100644
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--- a/2023-blockchain-integration.md
+++ /dev/null
@@ -1,29 +0,0 @@
-# Taler/Blockchain Synergies
-
-Two types of complementary Blockchain integration are possible:
-
-1. Blockchain as underlying account-based settlement layer (RTGS, wholesale
CBDC)
-2. Blockchain as decentralized, durable, append-only data storage
-
-# Taler + RTGS Blockchain
-
-* Blockchain can be used as the underlying account-based settlement layer
- * Incoming transactions to exchange are monitored as part of issuing digital
cash
- * Outgoing payments are initiated by exchange to pay merchants/customers for
deposited digital cash
-* Requires adapter that exposes HTTP/JSON interface to exchange (called a wire
gateway)
-* Depolymerizer project implements this for ETH and BTC Blockchains
-
-Implementation estimates (person-days):
-* Subsequent integration w/ different Blockchain: 40-80
-
-# Taler + Data Storage Blockchain
-
-* Taler Exchange can use Blockchain as append-only database for crucial records
- (coin invalidations, deposit confirmations, ...)
-* Architecture: Exchange has postgresql as caching layer, Blockchain as
- source-of-truth. Two-way synchronization between Blockchain and Taler
exchange
-* Can also be used to improve quantum resilience (c.f. Chaum)
-
-Implementation estimates (person-days):
-* Implementation with first Blockchain: 200-400
-* Subsequent integration w/ different Blockchain: 40-80
diff --git a/ecb/age.txt b/ecb/age.txt
deleted file mode 100644
index b32c85f..0000000
--- a/ecb/age.txt
+++ /dev/null
@@ -1,94 +0,0 @@
- Age-Restrictions for Taler
-
-Age-restrictions are part of the agenda of Taler Systems SA to make
-digital cash more programmable. We propose to extend Taler with an
-innovative age verification tied into the payment process. For this,
-the GNU Taler protocol is to be extended with a mechanism that adds
-age restrictions to digital coins when they are withdrawn. This will
-then allow merchants to perform age verification while preserving the
-anonymity of the buyer, providing an alternative to contemporary
-identity-based age verfication while also streamlining the checkout
-process by integrating payment with age verification.
-
-Existing solutions
-==================
-
-Contemporary solutions to the problem are primarily special special
-debit or credit cards for teenagers. Major players on the US market
-are Greenlight (www.greenlightcard.com), Step (step.com) and Current
-(current.com). The provider Greenlight, for example offers credit
-cards for children and allows parents a fine-grained selection of
-businesses that they can be released for payment with the card --- but
-not on individual products. One App allows children to manage income
-``that they receive from doing household chores'', and set savings
-goals. Classic credit card companies like American Express, Visa and
-Mastercard issue additional cards to the credit card of the
-responsible owner, which young people from 14 years of age can use.
-All of these procedures require children to be registered and use
-traceable ones Identities (credit card numbers etc.) and therefore
-cannot protect the anonymity and privacy of children. Furthermore,
-the use of credit cards in particular creates the financial risk of
-children going into debt. Also, none of these systems offer an easy
-way for merchants to set age restrictions to be attached to individual
-products.
-
-
-Properties of the envisioned solution
-=====================================
-
-The introduction of an anonymous age verification coupled to payments
-as envisioned by Taler Systems SA is thus new. The planned procedure
-will have the following properties:
-
-1. The age information remains privately under the control of the
- account holder who authorized the withdrawl of the age-restricted coins.
-2. The protection of children's privacy is guaranteed when buying:
- A zero-knowledge proof with the age check during the purchase process
- only confirms the required minimum age to the seller.
-3. When change is issued, the age limit is carried over to the coins returned
- as changed.
-4. The labeling and verification of age restrictions of individual products
- is possible.
-5. The introduction of an age check does not lead to compromises in terms
- of data protection.
-6. The age verification as part of the payment process simplifies the work
- for merchants and enables an efficient implementation in terms of
- bandwidth, storage space and computing time.
-
-
-Political relevance
-===================
-
-According to Eurostat, around ten percent of the European population
-in 2020 were children between the ages of 10 and 18 years. It is of
-general social interest to enable them economic participation and
-allow them to learn how to manage their finances. Existing payment
-systems for children, in particular those based on credit cards, keep
-getting into trouble due to unauthorized purchases by children. For
-example, Apple was approved by the Federal Trade Commission (FTC) in
-2014 United States required to pay at least $ 32.5 million in
-compensation to parents for failing authorized purchases by their
-children. This is one of many examples illustrating the in financial
-damage done by credit cards to families. In 2012, the United States
-introduced new rules for protection Children's Privacy on the Internet
-(COPPA), exposting the lack of protection of children's privacy
-in the current technical state of the Internet and its services.
-
-
-Conclusion
-==========
-
-The envisioned extension of GNU TALER will allow parents to give their
-children pocket money with age restrictions as determined by the legal
-guardian. Parents will have the certainty that the children are only
-able to buy goods and services that meet the age restriction, and
-merchants will be able to easily specify and enforce the age
-restrictions without additional cost to the merchant, avoiding the
-need for expensive registration processes and the risks of storing
-sensitive personal data of their customers.
-
-
-Contact
-=======
-
-grothoff@taler-systems.com
diff --git a/ecb/answers.txt b/ecb/answers.txt
deleted file mode 100644
index 5812d40..0000000
--- a/ecb/answers.txt
+++ /dev/null
@@ -1,436 +0,0 @@
-# Answers to ECB survey "Your views on a digital Euro"
-
-(https://www.ecb.europa.eu/euro/shared/files/Questionnaire_on_a_digital_euro.pdf)
-
-
-# Question 1
-
-How would you rank, in order of importance, the features that a
-digital Euro should offer?
-
-## Answer:
-
-Important:
-h. I want it to be a secure means of payment.
-c. I want to be able to use it with my smartphone and at payment
-terminals.
-b. I want my payments to remain a private matter
-e. I want it to be easy to use.
-i. I want my transactions to be completed instantaneously.
-a. I want to be able to use it throughout the Euro area.
-f. I want to use a digital Euro without having to pay additional costs.
-
-Not important (exclude if possible):
-d. I want to be able to pay even when there is no internet or power
-connection.
-g. I want it to take the form of a dedicated physical device.
-
-Comments:
-
-The ability to pay securely without Internet or power connection requires the
-use of proprietary, trusted hardware modules and excludes a solution solely
-based on sofware and open standards. Futhermore, as also noted in the ECB
-report on the digital Euro, a digital Euro would merely supplement cash. As
-such, we think that cash is already an approproate fall-back payment solution
-in case of power or network outages.
-
-
-# Question 2
-
-Do you envisage any challenges associated with a digital Euro that would
-prevent you or others from using it? If so, what are they?
-
-## Answer:
-
-A digital Euro that requires proprietary hardware, proprietary software or that
-is based on patent-encumbered technology would severely restrict its use as the
-basis for innovations in the field of retail payments, as well as stifle the
-development of user-centric services and assistive/accessible technologies for
-it.
-
-A digital Euro that does not offer privacy protections is unlikely to be
-able to compete with existing commercial payment providers.
-
-Thus we recommend that the digital Euro should be based on an open standard
-that implements privacy-by-design and privacy-by-default (see GDPR) while also
-including adequate provisions for KYC/AML/CFT, and is accompanied by a Free
-Software reference implementation.
-
-# Question 3:
-
-What user features should be considered to ensure a digital Euro is accessible
-for people of all ages, including those who do not have a bank account or have
-disabilities?
-
-## Answer:
-
-In accordance with the answer to question 2, only a digital Euro that is based
-on an open standard without requiring proprietary software or hardware can be
-easily adapted to the diverse needs of users that have disabilities or
-additional age-related requirements.
-
-To enable access to the digital Euro for tourists, unbanked or even stateless
people
-residing in the European Union, we recommend a hybrid solution of an
-account/token-based system, where digital Euros are kept as a blind-signed
token
-in wallets, but receipt of funds through a digital Euro payment must always
-pass through a KYCed account.
-
-We note that when we talk about a token-based system, we do NOT talk
-about an offline-capable digital Euro. This seems to be conflated in
-the ECB's report on the digital Euro (and in the Bitkom response to
-this survey). A token-based system can be online-only, especially
-if it is based on software with digital signatures and not on
-secure hardware.
-
-
-# Question 4:
-
-There are two approaches we can take to make a digital Euro work, one that
-requires intermediaries to process the payment and one that doesn’t.
-
-If we design a digital Euro that has no need for the central bank or an
-intermediary to be involved in the processing of every single payment, this
-means that using a digital Euro would feel closer to cash payments, but in
-digital form – you would be able to use the digital Euro even when not
-connected to the internet, and your privacy and personal data would be better
-protected.
-
-The other approach is to design a digital Euro with intermediaries recording
-the transaction. This would work online and allow broader potential for
-additional services to be provided to citizens and businesses, creating
-innovation opportunities and possible synergies with existing services. For
-example, it could make it easier to integrate a digital Euro into currently
-available electronic banking services and applications. From your perspective,
-which of the following do you find most appealing? (select one):
-
-a. a digital Euro focused on privacy and the protection of personal data,
-which can be used offline;
-b. a digital Euro with broader potential for additional services, allowing
-innovative features and other benefits for citizens and businesses;
-c. a combination of both.
-For more information, please refer to Sections 5.1.5 and 6.1 of the Eurosystem
Report on a digital Euro
-
-## Answer:
-
-c. a combination of both
-
-The user of intermediaries does not conflict with privacy when the digital Euro
-is based on Chaum-style blindly signed electronic cash with income
-transparency.
-
-
-# Question 5
-
-What role do you see for banks, payment institutions and other commercial
-entities in providing a digital Euro to end users?
-
-## Answer:
-
-Existing commercial banks should continue to be responsible for consumer and
-business KYC, and the management of savings and loans. Software companies
-should provide integration services, both for consumers with special needs
-(such as disabilities) and for merchants wanting to accept payments using
-digital Euros. Most existing digital payment processing businesses built
-around credit cards should wither, as these middleman are too expensive
-for their limited added value.
-
-# Question 6
-
-A digital Euro may allow banks and other entities to offer additional services,
-on top of simple payments, which could benefit citizens and businesses.
-
-What services, functionalities or use cases do you think are feasible and
-should be considered when developing a digital Euro?
-
-For more information, please refer to Section 6 of the Eurosystem Report on a
-digital Euro
-
-## Answer:
-
-We see a limited use for "smart contracts". Here, most likely very few
-well-defined built-in contracts (such as currency trading and
-privacy-preserving digital auctions, as proposed by Prof. Brandt (TUM)) could
-be useful. A Turing-complete general smart contract runtime would likely be
-too slow, too generic, too insecure and most importantly lead to digital
-contracts that would not be understood by their human users.
-
-Low-cost digital Euro payments can open the door to micro-payments, where users
-may request payment to read e-mail (killing spam), servers may request payment
-before returning expensive resources (limiting DDoS attacks), and online
-publishers may process payments for each article instead of relying on
-advertising or long-term subscriptions.
-
-A well-designed digital Euro platform could be used to not only process
-payments involving digital Euros, but might also serve to digitize stock
-exchanges if digital coins are used to represent securities like company shares
-and handle corporate actions such as voting rights. Integrated currency trading
-would then also enable stock trading.
-
-Regarding smart contracts derivatives, for instance, could be a
-fertile territory to use them since payments and deliveries are
-dependent on a conditional logic. However, one cannot only focus on
-the economic terms and the payment mechanics of individual
-transactions. They are not taking into account overarching contractual
-terms regulating the broader contractual relationship between the
-parties (like the rules from the International Swaps and Derivatives
-Association, ISDA). Examples are the requirement to deliver certain
-documents to the other party, payments that are subject to withholding
-tax or the insolvency of a party.
-
-A Touring-complete general smart contract runtime where end-users can
-submit arbitrary contracts for execution cannot enforce such rules, while
-centrally approved digital contract templates following a well-defined
-legal framework can be written (and continuously adapted) to satisfy the
-regulatory environment. Ethereum is dominated by a few different smart
-contract templates (the most well-known one being ERC-20 tokens), so is
-seems plausible that only allowing smart contracts that have been vetted
-and undergone regulatory approval would suffice to address most of the
-social needs, while also minimizing risks to the platform.
-
-
-# Question 7
-
-What requirements (licensing or other) should intermediaries fulfil in order to
-provide digital Euro services to households and businesses? Please base your
-answer on the current regulatory regime in the European Union.
-
-## Answer:
-
-Any digital Euro solution must be based on Free Software reference
-implementations of open APIs (no patents, no royalties for the design)
-to ensure a level playing field for all actors. The design must
-furthermore implement privacy-by-design and privacy-by-default (see GDPR)
-while also including adequate provisions for KYC/AML/CFT. We know this
-is possible.
-
-# Question 8:
-
-Which solutions are best suited to avoiding counterfeiting and technical
-mistakes, including by possible intermediaries, to ensure that the amount of
-digital Euro held by users in their digital wallets matches the amount that has
-been issued by the central bank?
-
-## Answer:
-
-Cryptographic signatures are the first line of defence, with a proper design
-ensuring that post-hoc audits can attribute failures to the respective guilty
-party. Automated real-time audits of both the internal records and financial
-transactions of the payment service can aid in early detection of technical
-mistakes or a compromise. Additionally, modern designs can ensure that
-financial losses from time-limited compromises of a party are at least bounded
-to the volume handled by that party during the time window of the compromise.
-
-# Question 9
-
-What technical solutions (back-end infrastructure and/or at device level) could
-best facilitate cash-like features (e.g. privacy, offline use and usability for
-vulnerable groups)?
-
-## Answer
-
-Blind signatures for Chaum-style digital cash remain the best foundation
-for cash-like digital payments. However, modern designs add additional
-capabilities, such as giving change, key management (expiration of
-key material) and charge reversal (refunds).
-
-We believe that offline use should not be considered for digital
-payments. With software-only offline use, it is always possible for customers
-to engage in double-spending while the global system state is
-inconsistent. Given that electronic transactions can be automated,
-the damage from double-spending is not double, but potentially
-unlimited. Recouping funds after double-spending may not be possible
-in cases where the culprit has privacy, does not have the economi c
-means, or even was a victim of a (cyber)crime themselves.
-
-Offline payments based on special-purpose hardware are in conflict
-with an open design and implementation of a digital Euro wallet that
-other parties can improve and innovate on. Furthermore, the long-term
-security and impact on privacy of such hardware modules is
-questionable. Such hardware-based designs typically try to protect
-their operational logic against their "owner", who has full physical
-access to the device. This is typically a loosing battle, as physical
-security mechanisms are very good at delaying access, but usually
-break given an attacker with the right tools and enough time.
-
-Furthermore, offline use is already adequately addressed by the
-existing physical cash, which should be preserved as a means of
-payment.
-
-
-# Question 10
-
-What should be done to ensure an appropriate degree of privacy and protection
-of personal data in the use of a digital Euro, taking into account anti-money
-laundering requirements, and combating the financing of terrorism and tax
-evasion?
-
-## Answer
-
-A good trade-off is to ensure that anyone obtaining digital cash must identify
-to withdraw, and that anyone receiving digital cash must deposit it immediately
-into a KYC'ed bank account to provide income transparency. Additionally, anyone
-receiving digital cash should be responsible to provide digital evidence (like
-a digital contract) cryptographically tied to the transaction that explains why
-the funds were received. At the same time, the system MUST NOT identify the
-spender (unless reaching certain limits or involving special transactions),
-thus ensuring that citizens have privacy in where they spent their money while
-also making sure that merchants receiving funds can be held to account.
-
-
-# Question 11
-
-The central bank could use several instruments to manage the quantity of
-digital Euro in circulation (such as quantity limits or tiered remuneration),
-ensuring that the transmission of monetary policy would not be affected by
-shifts of large amounts of commercial bank money to holdings of digital Euro.
-
-What is your assessment of these and other alternatives from an economic
-perspective?
-
-(Tiered remuneration is when a central bank sets a certain remuneration on
-holding balances of digital Euro up to a predefined amount and a lower
-remuneration for digital Euro holding balances above that amount.)
-
-## Answer
-
-Withdrawal limits on digital cash, possibly combined with an expiration time
-for the validity of digital cash signatures, are sufficient to manage the
-quantity of digital cash in circulation. Reasonable withdraw limits will
-likely even be requested by citizens, as they may want to limit the damage from
-someone compromising their online banking credentials and then illicitly
-withdrawing digital Euros on their behalf.
-
-# Question 12
-
-What is the best way to ensure that tiered remuneration does not negatively
-affect the usability of a digital Euro, including the possibility of using it
offline?
-
-## Answer
-
-Tiered remuneration should not be applied to the digital Euro, just like it is
-not applied to cash. Instead, large holdings of digital Euros should be
-controlled via withdrawal limits, possibly in combination with digital
-signature expiration to limit hoarding over extensive periods of time.
-Similar mechanisms are used with cash today, where some countries have
-imposed withdraw limits and physical bank notes are often removed from
-circulation (after 20+ years).
-
-
-# Question 13
-
-If a digital Euro were subject to holding balance limits, what would be the
best
-way to allow incoming payments above that limit to be shifted automatically
into
-the user’s private money account (for example, a commercial bank account)
-without affecting the ease of making and receiving payments?
-
-## Answer:
-
-Incoming funds from transactions in digital Euros should not be directly placed
-into the receiver's electronic wallet at all, but always into their regular
-bank account or a special-purpose KYCed account that will immediately used to
-withdraw digital Euros again. Citizens should obtain digital Euros only by (1)
-withdrawing them from a KYC-enabled account, (2) receiving them as subsidies
from
-the government, or (3) non-transactional (trusted) sharing of funds (say
-between family members sharing a wallet). This way, withdrawal limits on
-digital currency can be used to easily limit holdings, and the state can
-enforce taxation on income and revenues by auditing (regular) commercial bank
-account transactions.
-
-Given the current state of computer security, holding large amounts of
-digital cash on a personal computer or mobile device is also risky, so
-withdrawal limits should suffice to effectively cap the balance users should
-be willing to carry.
-
-
-# Question 14
-
-What would be the best way to integrate a digital Euro into existing banking
and
-payment solutions/products (e.g. online and mobile banking, merchant
-systems)? What potential challenges need to be considered in the design of the
-technology and standards for the digital Euro?
-
-## Answer
-
-In addition to development of a regulatory framework for the digital Euro, the
-ECB should adopt a solution with an open technical specifications for protocols
-and application programming interfaces, as well as a Free Software reference
-implementation for the core components. This would facilitate faster
-integration into the existing infrastructure of commercial banks and merchants.
-
-# Question 15
-
-What features should the digital Euro have to facilitate cross-currency
-payments?
-
-## Answer
-
-We do not see an urgent need for cross-currency payments, this creates
-mostly economic and political hazards. However, what is important is
-that a global standard is created, and that consumers can carry balances
-in various currencies in their unified digital wallet. To create such
-a global standard, a patent-free Free Software approach is crucial, as
-no country should make itself dependent on proprietary software that
-is likely subject to foreign influence. When the USA recently sanctioned
-Huawei's use of Google Android, only the Free Software components remained
-usable for Huawei. Creating a proprietary European standard would thus
-fail to satisfy the possibility of global appeal, as countries increasingly
-realize that they cannot have their critical infrastructure depend on
-proprietary foreign technology.
-
-Smart contracts for auctions can enable trading of digital Euros for
-other currencies or stock. We believe this is one type of smart
-contract that should eventually be supported. Depending on the
-regulatory environment, the central bank logic may here require
-attestations from banks, including possibly foreign banks, which
-suggests that developing this capability at a global scale that
-satisfies non-domestic regulation will need extensive work that may
-not be within the remit of the Central bank and could be performed by
-commercial entities.
-
-
-# Question 16
-
-Should the use of the digital Euro outside the Euro area be limited and, if so,
-how?
-
-## Answer
-
-By requiring KYC on anyone receiving digital Euro payments, the use of the
-digital Euro for income can easily be restrained to European residents, without
-in any way excluding visitors from spending money in Europe as they would have
-the opportunity to withdraw (possibly limited amounts of) digital Euros at
-ATMs, banks or online.
-
-# Question 17
-
-Which software and hardware solutions (e.g. mobile phones, computers,
-smartcards, wearables) could be adapted for a digital Euro?
-
-## Answer
-
-An efficient design with a software-only approach is in principle usable
-from any networked device. If the core platform is written in C, the code
-would be highly efficient and can run on any embedded system. By providing
-a Free Software reference implementation, all vendors can easily integrate
-support for the digital Euro into their products.
-
-# Question 18
-
-What role can you or your organisation play in facilitating the appropriate
-design and uptake of a digital Euro as an effective means of payment?
-
-## Answer
-
-Taler Systems SA can provide ECB with a complete implementation of a
-payment processor, commercial bank integration, consumer wallet(s), merchant
-backends suitable for issuing a digital Euro. GNU Taler has been designed with
-appropriate consideration of the regulatory concerns (including privacy and
-CFT/AML and fiscal policy) and is expected to scale easily to the required
-transaction levels and at minimal cost per transaction.
-
-The swift introduction of a digital Euro will be crucial to slow the
-rise of cryptocurrencies and to protect European banking from the
-onslaught of platform-driven digital payment services like GooglePay,
-Libra/Diem, AliPay and ApplePay. Digital technology lends itself to
-natural monopolies, and the swift introduction of a digital Euro could
-be essential to protect Europe's federated banking system.
diff --git a/2015-flyer/flyerTalernewversionv3.pdf
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diff --git a/sa/sa.tex b/sa/sa.tex
deleted file mode 100644
index d7da13d..0000000
--- a/sa/sa.tex
+++ /dev/null
@@ -1,1225 +0,0 @@
-\documentclass{article} % {article} % {acmart}
-
-\usepackage{url}
-\usepackage{eurosym}
-\usepackage[T1]{fontenc}
-% \usepackage{lmodern}
-% \usepackage{verbatim}
-\usepackage[utf8]{inputenc}
-\usepackage{graphicx}
-\usepackage[a4paper,left=25mm,right=25mm, top=25mm, bottom=25mm]{geometry}
-\usepackage{enumerate}
-
-\begin{document}
-\pagestyle{plain}
-% \thispagestyle{empty}
-
-\newcommand\logo{\includegraphics[width=0.07\textwidth]{../presentations/comprehensive/taler-big-accent.pdf}}
-
-\begin{center}
-{\huge Taler as the Foundation for a \\ Centrally Banked Digital Currency}
-
-\medskip
-
-\end{center}
-
-\def\red{} % FIXME
-
-% TODO(Florian): General comments:
-% Terminology-wise, should we use coins and denominations? Is it too
low-level?
-
-\begin{abstract}
- Taler is a cryptographic protocol with a Free Software reference
- implementation for a value-based transaction system. Taler payments are
- executed in an existing regulated fiat currency, hence Taler requires
- integration with some register-based accounting system, such as traditional
- bank accounts. Taler aggregates many small transactions from different
- customers to the same merchant, thereby reducing the transaction cost in the
- register-based accounting system. Taler provides privacy for consumers
- and accountability for businesses receiving payments.
-\end{abstract}
-
-
-\section{Introduction}
-
-Taler Systems SA is developing an online payment system called Taler, that
-broadly fits the requirements of SARB's CBDC project. The major parts
-of the system have already been built. Taler's unique focus is
-on regulatory compliance, efficiency and data minimization. Cryptography is
-employed for security. While Taler includes privacy features, it can still
-guarantee that cash flows to merchants/retailers are transparent for anti-%
-money-laundering (AML) and know-your-customer (KYC) auditing requirements.
-Transactions with Taler execute in one network round-trip time. Taler is
-economically viable for micro-payments (payments of 1 cent) as its design
-minimizes requirements in terms of CPU time (typically less than 1 M cycles
-per transaction), bandwidth (typically 1-10 KB/transaction), and storage
-(again a few KB/transaction, with the ability to delete old data once legal
-data retention periods have expired).
-
-The USPs of Taler are:
-
-\begin{itemize}
-\item All operations are cryptographically secured, with mathematically sound
- proofs for courts and auditors
-\item Customer payments are privacy-preserving, like cash
-\item Merchants are identifiable in each payment they receive
-\item Payments are in existing currencies
-\item Payment fraud is eliminated, short of catastrophic failure in
cryptographic primitives
-\item Linear scalability ensures Taler can handle transaction volumes seen in
global payment systems today
-\item Suitable for micro-payments due to very low transaction costs
-\item Ease of use (one-click, instant, no authentication during payment, again
like cash)
-\item The patent-free, open standard protocol and the free reference
implementation provide
- long-term sustainability and technological independence from foreign
providers
-\item Can be used for smart contracts
-\end{itemize}
-
-The Taler architecture includes a register-based system of bank accounts
-for customers and merchants with an escrow-account for the exchange. The
-exchange signs electronic coins into existence, customers use them to sign
-contracts and merchants deposit them in return for a credit to the register.
-The exchange collects cryptographic proofs that it operates correctly, which
-are then checked by an auditor (auditor not shown):
-
-
-\begin{center}
-\includegraphics[width=\textwidth]{../presentations/comprehensive/operations.png}
-\end{center}
-
-Thus, the following components form the core of the system:
-
-\begin{enumerate}
- \item An \emph{Electronic wallet} software stores cryptographic
- tokens of value (called digital coins), implemented via blind
- signatures. Wallets are typically managed by the end user; a
- \emph{wallet provider} can manage storage of cryptographic
- material for the user, providing backup, synchronization and
- recovery.
-
- \item The \emph{Exchange} issues digital coins to wallets, after
- receiving fiat money in an escrow account, or based on a
- central bank creating the digital coins as a central bank liability.
- The authorized electronic
- wallet is identified using an ephemeral \emph{reserve public key}
- encoded in the wire payment instructions. As blind signatures are
- used, the exchange knows that it issued coins of a certain
- monetary value, but not to which wallet. Digital coins are always
- denominated in a fiat currency (e.g. Euro).
-
- \item The \emph{Merchant} proposes contracts to customers and
- receives payment in the form of contracts signed using digital
- coins. The merchant must then immediately clear these
- \emph{deposit permissions} with the exchange. The exchange checks
- against double-spending, and if everything is in order provides
- the merchant with an instant \emph{deposit confirmation}. After
- possibly aggregating many micro-transactions, the exchange sends
- money from the escrow account to the merchant's bank account.
-
- \item \emph{Auditors} are entities that certify which Exchanges can
- be trusted as legitimate. Auditors must be configured in the
- electronic wallets and the merchants' infrastructure before these
- users accept digital coins of the respective exchanges. Auditors
- include a software component used to conduct ongoing automated
- checks of the Exchanges' wire transaction history to detect if
- they deviate from their expected operation. For this, auditors
- must be provided a replica of the exchange's database and read-only
- access to the escrow account.
-\end{enumerate}
-
-The implementation of all core components is licensed as free and open
-source software (FOSS).
-
-Our vision is close to the electronic cash system ``DigiCash'' proposed by
-David Chaum in the 1990s, except that Taler's design and implementation
-supports key features such as giving change, providing refunds, securely
-handling aborts and various other practical issues previous technical
-solutions lacked.
-
-In summary, the overall system roughly operates as follows: The Taler wallet
is filled via
-wire-transfer to the Taler exchange's escrow account, where the subject
-identifies the Taler wallet eligible to withdraw the CBDC. Regulators can
-limit the amount an entity is entitled to exchange from rand into CBDC, like
-ATM withdrawal limits. When withdrawing electronic coins, they are blindly
signed by the
-Taler exchange and stored in the consumer's wallet, which is value-based. The
-consumer can then spend its coins at merchants using cryptographic signatures
-over electronic contracts. Merchants must immediately deposit the coins at
-the exchange, which performs an online check for double-spending. The
-exchange will then credit the merchant's register-based accounts using
-aggregated wire-transfers.
-
-
-\section{CBDC principles and attributes} \label{section:cbdc:requirements}
-
-This section elaborates on how the open source payment system GNU Taler fits
-into the requirements of a Centrally Banked Digital Currencency (CBDC) as set
-forth in the SARB tender in Section~3.
-
-\begin{enumerate}[i]
-\subsection{Policy}
-\item
-{\bf CBDC will be issued as legal tender by the SARB only.}
- The Taler protocol requires an auditor to certify that an
- electronic money issuer is allowed to issue coins of a particular
- denomination. Usually the auditor would be tied to the
- regulation of the respective central bank. Thus, if SARB
- only qualifies itself to issue CBDC for rand, then only SARB
- can issue Taler CBDC for rand. The digital coins issued by
- SARB would constitute themselves a fiat currency, i.e. rand.
-\item
-{\bf A possible alternative scenario is for the SARB to back the CBDC and to
set
-regulatory standards and interoperability requirements, but with commercial
banks
-acting as issuing authorities under the regulatory oversight of the SARB.}
- The Taler system also allows this. In this case, it is expected that
- the commercial banks would have to provide escrow accounts as backing for
- electronic coins they issued (and did not yet redeem).
-\item
-{\bf The supply of CBDC must be limited as determined by applicable monetary
policy.}
- CBDC is either supplied by a central bank creating them, or by commercial
- banks moving existing funds into an escrow account when creating electronic
- coins. In the first case SARB fully controls the issuance of CBDC which will
- increase M0/M1 unless offset by reducing cash. In the latter case, the
- introduction of Taler does not impact monetary policy,
- except that it is probably easier for foreigners to obtain and hold
electronic
- coins (compared to obtaining cash or rand-denominated bank accounts).
-\item
-{\bf It must be possible to issue and distribute CBDC to commercial banks
only, or to
-commercial banks as well as licensed service providers. Such licensed service
-providers could be instrumental in broadening the base for financial inclusion
and
-would be authorised and licensed upon meeting a defined set of regulatory
criteria.}
- This requirement is satisfied through the Auditor component of Taler.
- The Auditor for Taler would be controlled by the SARB, and provide licenses
- (in the form of a digital certificate) to commercial banks and service
providers
- that shall be allowed to issue and distribute CBDC.
-\item
-{\bf CBDC must be complementary to cash and is not intended to replace cash.
However,
-it is expected that CBDC would influence the movement of cash or even displace
-cash to some extent over time.}
- Recent developments in
California\footnote{\url{https://on.mktw.net/2V3yxOw}} suggest that regulation
needs to be
- in place to force businesses to accept cash, as some businesses may
- like to discriminate against consumers that use cash. Nevertheless, this
- is a regulatory issue and unrelated to a particular choice of CBDC.
-\item
-{\bf CBDC must be a liability on the SARB balance sheet.}
- Taler is designed to work for all currencies for which
- a register-based accounting system exists and are expected
- to be denominated in the currency of the underlying register.
- Taler coins in circulation would thus be backed by an
- escrow account at a commercial bank, or when created by the SARB
- be booked as a liability on the SARB balance sheet in anticipation
- of future deposits of the electronic coins --- in the same way as cash.
-\item
-{\bf CBDC must be issued at one-to-one parity with the rand.}
- Taler is designed to map 1:1 to any existing fiat currency.
- Taler coins are expected to map 1:1 to the fiat currency and
- show up in the respective user-interface in the respective
- fiat denomination.
-\item
-{\bf Transacting with CBDC must be free to the consumer, or at a very low cost
- significantly below current payment channel fees.}
- We estimate
- that the actual costs per transaction at scale (excluding migration cost)
- are generally less than 0.1 cent/transaction. It is conceivable that the
- SARB might absorb the entire (low) cost. The protocol also includes
provisions
- for hiding the cost from consumers by charging fees primarily to the
merchants.
-\item
-{\bf CBDC must offer value or an incentive to promote its use, including a
lower cost to
- the industry compared with the cost of cash.}
- As stated earlier, Taler comes with a range of USPs, including lower costs,
- improved security, sustainability, convenience, competition, privacy and
- it can be used for smart contracts.
-\item
-{\bf CBDC must be ubiquitous and accepted as a means of payment by all sizes of
-business and by the government.}
- Taler is designed to handle micropayments as well as arbitrarily large
- payments between consumers, companies and authorities.
-\item
-{\bf CBDC must not introduce the risk of destabilising the financial sector and
-mechanisms must be incorporated to give effect to policy decisions regarding
its
-supply and movement. Specifically, it must be possible to manage risks such as
value
-migrating rapidly from commercial bank money to CBDC, thereby skewing the
ability
-of commercial banks to provide credit.}
- Regulation may impose limits on withdrawals and maximum amounts transacted.
- This should mitigate the risk from bank runs (movement) that might be
triggered
- independent of the introduction of a CDBC.
- As Taler does not introduce a new currency,
- there is no risk of competing with existing currencies. However, Taler may
- provide competition for profitable payment services offered by commercial
banks,
- possibly reducing the risk spread in the business activities of commercial
banks.
- Taler CBDC would be created as part of M1 by the SARB, thus it does not
- impact SARB's ability to make policy decisions with regard to supply.
-\item
-{\bf CBDC must provide the opportunity for stakeholders to innovate in terms
of payment
- products, but must not be seen to disintermediate commercial banks.}
- The Taler system is open to handle this in different ways. The CBDC could be
- issued directly by SARB or via the commercial banks. The greater the role of
- the commercial banks the higher the costs they charge for their services (see
- requirement viii).
-\item
-{\bf CBDC must be usable alongside the rand in the member states of the Common
-Monetary Area (CMA).}
- Taler comes with a Free and Open Source reference implementation and is not
- encumbered by patents. Taler's openness should thus enable new services
- to be developed with a minimal barrier to entry into the market.
- By design, Taler does not disintermediate as every Taler payment must go
- into a (commercial) bank account. In other words, Taler coins can only
- be spent once, the system does not allow for transitivity.
-
- In the case of a central bank operating the system, the involvement of a
- commercial bank can be avoided in cases where wallet-holders have undergone
- KYC checks outside of the scope of creating a traditional bank account.
-\item
-{\bf Consumers must be able to own and transact in CBDC without the need for a
bank
- account.}
- Taler can enable distribution of funds (i.e. from social security) directly
to
- wallets. Thus, citizens having a Taler wallet could be given remittances
without
- the need for a bank account. However, merchants must have a register-based
- bank account or perform KYC checks with the exchange operator to receive
payments.
-\item
-{\bf Consumers and businesses must be provided with the channels to obtain or
return
- CBDC in exchange for cash and commercial bank money.}
- With Taler, every transaction must always specify the bank account
- details of the receiving party. We note that for efficiency, the
- wire transfer to the business are typically performed in aggregate
- to minimize the cost created by the traditional register-based wire transfer.
- Consumers that do have a bank account can ask their wallet to transfer the
- CBDC back into their bank account.
-\item
-{\bf CBDC must be freely and seamlessly interchangeable between an
account-based
-store of value and a tokenised store of value. CBDC is expected to be
interest-free
-or attract zero interest. This must, however, be a variable attribute to cater
for different
-policy positions in future.}
- Taler could theoretically support interest on CBDC by varying the exchange
- rate between CBDC and rand. Taler can also theoretically support {\em
negative}
- interest on coins held long-term in wallets. However, these are optional
- features and in general we fully agree that the most usable and practical
design
- is to fix the exchange rate between CBDC and rand and to not impose
significant
- fees on holding coins.
-
-\subsection{Branding}
-\item
- {\bf CBDC must be branded and its ownership by the SARB as issuer must be
evident.}
- As the CBDC implemented by Taler can be denominated in rand and a
- SARB-branded wallet software can be deployed, ownership by SARB would be
- evident.
-\item
-{\bf CBDC must be unique in its design and its SARB ownership must be clear and
- evident.}
- We can create a SARB-branded user-interface for Taler and SARB would
- be able to register and own trademarks for the respective branding.
- The Taler {\em protocol} itself is a public specification
- and our reference implementation is a global commons (Free Software),
- which would allow other
- countries to adopt the same technology stack (with other branding). That
said,
- SARB is free to adapt the technology to its needs within the limits
- of the licensing agreement with Taler Systems SA and/or the GNU Affero
- General Public License.
-\item
-{\bf CBDC must be trusted and acceptable to all members of the public as legal
tender,
- a safe store of value, and as secure means to transfer value during
transacting.}
- The SARB would primarily hold the escrow account (or liability). It could
also either
- (1) run the operations of the exchange and guarantee the exchange of CBDC
- in rand directly, or (2) else audit privately operated exchanges
- similar to its regulatory oversight of conventional banks and payment
processors.
- This should assure the public about the safety of the CBDC.
- We are not familiar with legal tender regulation in SA to determine what
else would
- be required to make it legal tender.
-
-\subsection{Transactional usage}
-\item
-{\bf It must enable immediate person-to-person transfer of value without
clearing and
- settlement in today’s terms.}
- Online person-to-person transfers are possible, but involve at least the
- exchange as a service provider to protect against double spending. In this
- case, the receiver also must have an account that satisfies KYC requirements
- at the exchange to prevent money laundering. Taler enables also offline
- person-to-person transfers without the involvement of third parties only by
- sharing access to a selected amount of funds among with the receiver(s). The
- participants in such an offline person-to-person transfer must trust each
- other to behave honestly. Basically, such transfers are not transactions in
- that the sender can spend the money elsewhere at any time.
-\item
-{\bf It must be possible to set limits for CBDC transaction values and to
implement
- graduated regulation depending on transaction value.}
- Taler can impose withdrawal limits for consumers, and merchants may be
required to
- limit the value of individual transactions or to provide additional
identification
- of customers based on the specific product being sold or the value of the
transaction.
- Taler provides an audit trail for the state to ensure merchants comply with
- applicable regulation on transactions.
-\item
-{\bf CBDC payment products should enable transaction notifications to
consumers.}
- Customers and merchants always have access to their full account
- histories and their balances on their local computer or mobile device.
- Thus transaction notfications are easily available.
-\item
-{\bf CBDC must be accepted and usable at all levels of transactions, in the
same way
- cash is accepted and usable at all levels of transactions.}
- Taler is in principle suitable for microtransactions as well as very large
- transactions, however the system assumes that the consumer is under control
- of their computing resources. Given the state of security on mobile phones,
- it may thus not be generally advisable to carry very large balances on a
- mobile phone. We expect Taler to be primarily used for liquidity, and not
- as a store of value. However, it is in principle possible to produce hardware
- security modules to pay larger amounts with adequate security.
-\item
-{\bf CBDC must provide real-time, final and irrefutable transfer of value.}
-Taler payments typically clear in one network round-trip time, concluding with
-an electronically signed statement providing irrefutable proof of the
-transfer of value.
-\item
-{\bf It must be able to operate on a peer-to-peer (face-to-face) basis as well
as online. In
-the absence of connectivity/Internet/data, consumers must be able to transfer
value
-to each other or to a business. This implies that mechanisms will be required
to
-enforce offline transaction limits, prevent double-spending, and reconcile
transaction
-data once online.}
- For Taler transactions, either the payer or the merchant must be online and
- able to communicate with the exchange. Otherwise the merchant cannot be sure
- that the payer did not double-spend and risks being defrauded. We believe
- that this is an inherent problem for any system that runs on untrusted
- hardware, and only closed, ``unhackable'' hardware security modules could
- theoretically avoid this limitation. While after-the-fact double spending
- would be detectable and traceable to the misbehaving individual, allowing
- offline transactions would create systemic risks in any CBDC without special
- hardware security modules.
-\item
- {\bf The government must be able to make payments in CBDC.}
- This is possible with Taler.
-\item
-{\bf Interoperability principles must enable CBDC to be used at all levels
throughout the
-payment system.}
- With proper system integration, wire transfers, debit and credit cards or
even
- NFC-enabled ATMs and e-mails could all be used to fund the CBDC wallet. Our
specifications
- are public, thus broad integration is a question of regulation and/or
- incentives.
-\item
-{\bf The CBDC value transfer mechanisms must prevent double-spending.}
- The Taler exchange performs online double-spending detection by comparing
against
- known coins when processing deposit requests.
-\subsection{Auditability and traceability}
-\item
-{\bf CBDC must be traceable.}
- Taler is designed for payers to remain anonymous when buying goods, unless
regulation
- requires disclosure (i.e. for particular sensitive purchases).
- However, the merchant is never anonymous.
- Taler is thus {\em untraceable} in that the system cannot necessarily
- identify the buyer. However, Taler does provide for income
- transparency. We believe this is critical to avoid 1984-like
- totalitarian control over society while ensuring compliance with
- reasonable KYC and AML regulation.
-\item
-{\bf CBDC must be auditable in terms of proof of issuance and ownership.}
- When Taler electronic coins are created, the issuer electronically
- signs the public key of the coin, thus providing proof of issuance.
- The private key of the coin is only known to the owner, never
- disclosed (not even upon payment) and is used as proof of ownership.
-
-\item
-{\bf Auditability of transactions should be parameterised in order to
determine the balance
- between anonymity of the transacting parties and traceability of funds
transfers.}
- Taler generally is setup to protect the privacy of consumers (who spend
money)
- and to provide full accountability for merchants (who receive money).
Consumers
- of course still have to authenticate when withdrawing funds. For particular
- transactions (such as licensed sale of weapons, drugs, chemicals or
high-value goods) merchants may
- be required by law to identify the buyer (and possibly perform additional
checks).
- Taler does not assist merchants with this per-se, but by providing an
electronic trail
- from the Taler transaction to the business contract of the merchant, Taler
makes it
- easy for law enforcement to verify that merchants have complied with
applicable regulation
- on identifying customers for critical transactions.
-\item
-{\bf It must be possible to issue a consumer with a ‘proof of payment’ from
transaction
- audit trails.}
- Every Taler transaction concludes with the consumer having a proof of
- payment (including details of the contract that was paid for).
-\item
-{\bf It must be possible to recreate a consumer’s ‘electronic vault’ or
‘e-wallet’ in the case
- of loss caused by technology failure.}
- We will provide an optional electronic backup service for
- consumer's electronic wallets which uses secret sharing for
- key escrow (if desired). This electronic vault will also
- be used to support cross-device synchronization.
-
-\subsection{Security}
-\item
-{\bf CBDC must be issued using highly secure and trusted modern cryptographic
- mechanisms.}
-Taler is only using modern and widely trusted cryptography (RSA, SHA-512,
EdDSA/Curve25519).
-\item
-{\bf CBDC must be generated/created during its issuance as a secure discreet
offline
-activity and not as a mining operation such as those deployed for private
virtual
-currencies.}
-Taler does not use mining or any other forms of proof-of-work
-or proof-of-stake operations. However, the Taler coins are
-created using online signatures when customers withdraw funds
-from their accounts. The online signatures could be performed
-using hardware security modules to provide additional protections
-for the private keys used.
-\item
-{\bf CBDC must not be easily counterfeited.}
-Taler uses established cryptographic primitives and comes with a peer-reviewed
-security proof.
-\item
-{\bf CBDC must be configurable in its design features in order to keep pace
with
- improvements in technology and security mechanisms.}
-The key security settings in Taler (RSA key length, $\kappa$ CNC parameter) are
-configurable. The protocol includes versioning features to enable future
updates.
-\item
-{\bf It must be possible to withdraw/revoke a CBDC by serial number in case of
proven
-or suspected counterfeiting or theft.}
-Counterfeiting can only happen if the exchange's signing key of a denomination
is
-stolen. If this unlikely event happens, this signing key for this
-particular denomination can be revoked. Legitimate owners of funds in this
-denomination can provide a proof of legitimate ownership, and will then be
-reimbursed.
-\subsection{General and non-functional}
-\item
-{\bf The ability to transact with CBDC must be ‘always on – in real time, 24
hours a day,
-7 days a week.}
- The Taler system is designed for 24/7 operations.
-\item
-{\bf The CBDC data structure must allow open access to third-party service
providers to
-add value. In general, the CBDC must be designed to encourage innovation and
-enable value-added services.}
-All components of Taler provide APIs, allowing new and innovative technologies
-to be built.
-\item
-{\bf There are no expectations of the technology platform having to be based
on DLT,
-blockchain or an existing ‘traditional’ technology. It is envisaged that a
solution could
-be based on any one or a combination of technologies.}
-Taler is not based on DLT or a blockchain. Instead, blind signature
-technology is used. The ledger could be implemented in a blockchain,
-if required.
-\item
-{\bf CBDC must be simple and user friendly.}
-The Taler wallet enables one-click payments. We have successfully
-tested the system with children below the age of 10.
-\item
-{\bf CBDC transactions must be fast and efficient.}
-Taler requires only a few signature operations and only a few kilobytes
-of data transfer per transaction. The Taler wallet pre-computes signatures
-while waiting for the user to confirm the transaction. As a result, actual
-transactions are usually confirmed in one network round-trip time (generally
-in milliseconds) and with minimal energy consumption.
-\item
-{\bf Consumers must be able to transact in CBDC using smart phones and
unstructured
- supplementary service data.}
-A Taler wallet for Android is under development. Payments via NFC are under
-development.
-\item
-{\bf Processes must be provided to manage technology upgrades. This implies
- that it must be possible for CBDC tokens to be withdrawn from circulation
- and replaced with newly issued, more advanced CBDC.} Taler implements a
-revocation mechanism to inform wallets that a particular signing key is being
-withdrawn from circulation, forcing the wallets to automatically deposit coins
-in circulation back into the consumer's bank account in case the CBDC is
-discontinued, or to withdraw a different CBDC if available. Wallets
-periodically check for such revocations and automatically adopt their money
-holdings, without requiring input from the consumer.
-
-\end{enumerate}
-
-
-
-\section{Company profile}
-
-\subsection{Company structure and physical location(s)}
-
-%, with the
-%emphasis on sustainability and the ability to undertake the
-%feasibility project
-
-Taler Systems SA was established in 2016.
-Taler Systems SA is headquartered in Luxembourg, but also has developers in
-Germany and Switzerland. Taler Systems SA was founded as a startup by with
-support from INRIA, the French national institute for research in computer
-security (\url{https://www.inria.fr/}) and the Free Software community
-(\url{https://www.gnu.org/}). The company is privately owned and debt-free.
-
-In response to the SARB's tender, Taler Systems SA has established
-partnerships with Community-Exchange Systems NPC (CES) and JumpingBean INC
-(JBI) from South Africa to jointly pursue this opportunity.
-The Memorandum of Understanding between the companies is included in our
-application materials.
-
-CES and JBI will provide community support, local developers and their general
-expertise in the area of payment systems and software integration to the
-project. The consortium plans to jointly work on integrating Taler with the
-SARB's banking systems, and also offer integration support for the broader
-e-commerce sector in SA.
-
-Taler Systems SA will focus on providig technical support for CES and JBI to
-the best of its ability. In particular, Taler Systems SA will freely share
-all of its documentation, code and technical expertise with its partners,
-holding nothing back. Furthermore, Taler Systems SA will evolve the core
-implementation to support SARB requirements to the extent this is feasible.
-
-
-% FIXME: Leon
-
-\subsection{Capacity to support the feasibility project}
-
-% in terms of the
-%location and availability of subject matter experts and
-% technical support
-
-Taler Systems is in the unique position of not having technological business
-secrets to protect, as all of our code and documentation is freely available.
-Thus, we can easily find and train local partners in our technology and focus
-on providing second-level support.
-
-Taler Systems has a large network of industry experts and specialists.
-Our experts are in principle all available to work on the SARB project, as
-we are currently investigating options for a first deployment of the Taler
-product.
-
-
-\section{Ability in the subject matter}
-
-\subsection{Participation in similar initiatives or projects}
-
-We have been involved in consultations with the Swiss National Bank, the
-European Central Bank, and the Swedish Riksbank as all three were interested
-in Taler in their respective CBDC initiatives. However, none of them is yet at
-the point where the respective central banks have made any commitments for any
-particular direction or technical solution.
-
-We are also working with the German GLS Bank on a commercial deployment of
-GNU Taler and expect the technical integration with their banking platform
-to be concluded later this year.
-
-
-\subsection{Experience and skill set offered by the subject matter experts}
-%
-%and technical experts applicable to the feasibility project
-
-The Taler Systems SA executive team currently consists of the following
-members:
-
-\begin{description}
- \item[Dr. Christian GROTHOFF (Founder \& Technology)] Christian is Professor
- for computer science at the University of Applied Sciences in Bern
- focusing on network security and privacy. He is an Ashoka fellow, serves
- on the GNU advisory board and maintains four GNU software packages. He
- earned his PhD in computer science from UCLA, an M.S. in computer science
- from Purdue University, and a Diploma in Mathematics from the University
- of Wuppertal.
- \item[Leon SCHUMACHER (Founder \& Business)] Leon is a leader in the
- international CIO community who possesses a deep knowledge of the needs
- and functioning of Fortune 100 companies. Prior to co-founding Taler, Leon
- served as group CIO at two global companies, Mittal Steel and Novartis.
- Leon earned his master’s in electrical engineering from ETH Zürich and his
- master’s in management from HEC Paris. He also has a post-MBA certificate
- from the Kellogg School of Management at Northwestern University.
- \item[Michael WIDMER (Investor, Business Development, Legal \& Regulatory)]
- Michael is an Entrepreneur and Investor. He brings to Taler his extensive
- banking and financial market experience. In his 20 years of experience in
- the international financial sector, he worked as a commercial lawyer, as
- managing director of the Eurex stock exchange and as Co-CEO of the
- Gutenberg Group. He received a Ph.D. in Law from the University of Zurich
- and an executive MBA from University of Rochester. Michael is also
- admitted to the Bar Association in Zurich.
- \item[Dr. Florian DOLD (Founder \& Development)] Florian is a passionate
- programmer and researcher. Prior to co-founding Taler, he worked on
- GNUnet, a decentralized and privacy-preserving peer-to-peer
- Framework. Florian earned his Master of Science from the Technical
- University of Munich. He has obtained his PhD at Inria / Rennes 1 in this
- subject.
-\end{description}
-
-Our advisory board members are:
-\begin{description}
-\item[Jenny MENNA] SVP, Information Systems Security at US Bank
-\item[Teppo PAAVOLA] Former Head of Business Development at PayPal
-\item[Sekhar NAGASUNDARAM] Head of Enterprise Data Security at Visa
-\item[Sandeep MEHTA] EVP, Enterprise Platform Services Tech at Wells Fargo
-\item[Greg FRAMKE] CIO at Manulife / John Hancock (former COO Etrade)
-\item[Chris PAGETT] former Head of Security Fraud \& geopolitical Risk at HSBC
-\item[Ante GULAM] CISO, Skyscanner
-\item[Manish TIWARI] CISO, Airtel India
-\item[Lars RABBE] former CIO of Yahoo! and Skype
-\item[Justin DOLLY] EVP, CISO at Malwarebytes
-\item[Dr. Richard STALLMAN] Founder of the GNU Project
-\item[Dr. Mikhael ATALLAH] Professor of Computer Science, Purdue University
-\item[Dr. Alex PENTLAND] Professor of Computer Science, MIT Media Lab
-\item[Dr. Roberto DI COSMO] Professor of Computer Science, Director of IRILL
-\item[Dr. Edgar FLEISCH] Professor of Information Management, ETH Z\"urich
-\end{description}
-
-CES is operating a global network of regional community payment systems
-based on software originally developed by Tim Jenkin, who will work with
-the project in his capacity as director of CES. Tim Jenkin will also bring
-in his network of contacts and developers in SA to support the project.
-
-JBI is a Free Software consultancy based in SA focusing on providing
-integration solutions for e-commerce. They are ideally suited for assisting
-us onboard businesses in SA to the GNU Taler platform. Mark Clarke also has a
-network of contacts in SA to bring in further support for the project if
-required.
-
-
-\subsection{Commentary on the CBDC principles and attributes}
-
-We provided detailed commentary on each of the CBDC principles and attributes
-in Section~\ref{section:cbdc:requirements}. In summary, we believe that we
-cover most of the critical requirements well.
-
-Overall, it should be noted that we believe it to be {\em impossible} for any
-available technology to provide off-line transactions with a purely
-software-based (and hence cost-efficient) solution without creating systemic
-risks from deferred double-spending detection.
-
-We are also surprised that data protection, data minimization and in general
-respecting citizen's economic privacy is not listed as a primary objective and
urge the
-SARB to consider adding privacy considerations to their requirements.
-
-Similarly, we hope that SARB understands the value of a Free Software solution
-in that it preserves SA's independence from particular vendors. Furthermore,
-open standards and public source code enhance public verifiability and thus
-the public's trust and acceptance in the solution. We believe that only a
Free Software
-solution can be in the best long-term interest of South Africa as it ensures
-technological independence and sustainability, as was recently demonstrated
-by the US government forcing Google to terminate all licenses to Huawei
-{\bf except} those for Free Software.
-
-\section{Proposed approach and methodology}
-
-\subsection{Proposed approach to support the objectives}
-%of the
-%feasibility approach specifically and the needs of an
-%innovation lab (sandpit) in general
-
-A realistic CBDC solution based on the Taler system requires integration with
-an existing register-based banking system. Here, the Taler architecture calls
-for the implementation of a simple adapter that needs to be able to query the
-banking system for wire transfers into the escrow account and needs to be able
-to trigger wire transfers from the escrow account/central bank liability into
-merchant accounts. Once these two simple operations are implemented, Taler
-can in principle transact in the respective currency.
-
-We would typically expect this integration with the existing SA banking system
-to be the first step. In parallel, the specific regulatory requirements on
-launch would be discussed and then deployed in the sandpit. At that point, one
-might begin making the API publicly accessible to allow businesses to
-experiment with integrating Taler support into their systems, while performing
-exercises to stress test the system to ensure acceptable availability under
-high load or component failures.
-
-The CBDC Taler wallet can exist on smartphones, in browsers, on smartcards or
-secure USB sticks. However, typically the integration with the diverse payment
-operations used in a country will take time. Taler Systems SA has already
-integrated Taler support with a few shopping systems, but largely to gain
-experience with the process. We have had a team of Bachelor students
-successfully integrate Taler with a Web shop with virtually no support from us
-as part of a student project in their 2nd year of study. Thus, given our open
-system specification and Free Software reference implementations we expect the
-bulk of the work to be done by local small businesses, which would only fall
-back on us for 2nd level support.
-
-
-\subsection{Methodology proposed to support the proposed approach}
-
-SARB issues electronic coins based on deposits into an escrow
-account. Citizens could use their wallets to withdraw CBDC
-from their traditional bank accounts, or they could be provided
-CBDC directly (for example via social security) if they lack
-a bank account. Electronic coins are blindly signed
-by the issuing exchange, which is obliged to exchange CBDC
-back into rand when they are deposited by merchants. An auditor
-supervises the operation of the exchange, unless the exchange
-is fully operated within SARB's trusted infrastructure. In this
-case, SARB may still want to run the auditing logic to provide
-assurance against insider threats.
-
-
-\section{Secondary objectives}
-
-In this section, we want to anticipate the conclusions SARB
-might draw for its secondary objectives (Section 2.3 of the
-tender) with respect to the Taler system. While of course
-the objective of the sand pit would be for SARB to draw these
-conclusions, we want to provide an idea what results we predict
-for these questions on the basis of our technology.
-
-\subsection{Focus area 1: Design considerations}
-
-\paragraph{What are the potential and preferred design options and deployment
models of a
- SARB-issued CBDC, and why?}
-%Potential deployment models, for the purpose of
-%the project, can either be based on distributed ledger technology (DLT) or
-%cryptography.
-
-Deployment models using a truly distributed ledger will prove exceptionally
-expensive and unable to handle the required transaction rates to be relevant
-for non-criminal enterprises.
-
-In contrast, cryptographic techniques like those offered by Taler require
-professionally-run mission-critical infrastructure, but will then be able to
handle
-transactions at rates comparable to those provided by cash today at lower cost.
-
-\paragraph{What are the emerging technologies that underpin CBDC designs and
which
- technology option(s) are appropriate, and why?}
-
-The Taler system was designed from its inception in 2013 to underpin a CBDC
-for a socio-liberal society, respecting both the need for the state for
-taxation and fundamental human rights, chiefly the protection against
-discrimination and the right to privacy.
-
-Alternative designs will generally infringe upon either of these two
fundamental
-aspects, either enabling totalitarian control or an unrestricted criminal
-economy.
-
-\paragraph{How would these technologies integrate into the SARB current and
future
-architecture?}
-
-Taler would be integrated via one or more escrow accounts in the
-existing register-based banking system. Money transferred into these
-escrow accounts by social security agencies or citizens would move
-into the respective electronic wallets of the consumers via an
-Internet service. Eventually, ATMs might also be used to exchange
-cash deposits for CBDC, or transfer funds from bank accounts to
-electronic wallets via NFC. The overall changes to the SARB's
-architecture would be minimal, except that the operation of the
-Taler system at scale may require an expansion of the existing
-data centers.
-
-\paragraph{What are the possible transition arrangements, after due
consideration of all the
-relevant economic and financial/financial system implications as articulated
-below?}
-
-Once an exchange is operational, customers and businesses would be
-free to gradually migrate payments to the Taler CBDC. Given the
-cost, security and convenience advantages, we expect this to be
-largely driven by market forces. The CBDC would co-exist and
-compete with existing payment methods (cash and commercial offerings).
-As Taler is reserve-based, it would not compete with credit cards
-used by consumers to get credit.
-
-We expect the fastest uptake to be in the market for e-commerce payments and
-micropayments. Micropayments in particular will provide an alternative
-new business model, especially for businesses depending on online
-advertising for revenue today.
-
-\subsection{Focus area 2: Policy impact}
-
-\paragraph{Why should the SARB consider the issuance of a CBDC? How does
issuance
- link to the SARB’s mandate?}
-
-CBDC is a natural progression from cash. Compared to cash, Taler offers
-superior protections against counterfeit, usability for online transactions,
-lower cost, and income transparency / tracability.
-
-Furthermore, SARB would be the first central bank offering solutions for smart
-contracts and has a clear response with respect to the issues caused by
-speculative crypto currencies. In addition, with Taler SARB has a payment
-system that is largely independent from the existing payment infrastructure
-like cash.
-
-
-\paragraph{How could the respective design options impact monetary policy,
financial
-stability, fiscal policy, financial market structures and any other policy
objectives
-(financial inclusion, competition etc.)?}
-
-A CBDC based on Taler opens a few additional options for monetary policy, such
-as the possibility of charging a negative interest rate on CBDC.\footnote{For
- a historic experiment with negative interest on cash, see
- \url{https://en.wikipedia.org/wiki/W\%C3\%B6rgl#The_W\%C3\%B6rgl_Experiment}}
-
-A Taler CBDC may provide a national electronic payment standard, reducing
-friction from a multitude of commercial offerings.
-
-Using an open standard with a Free Software reference implementation will
-reduce technological barriers to entry and monopoly abuse (say by credit
-companies charging high fees). Taler's privacy-respecting design ensures an
-equal playing field for all. Finally, the Taler wallet could be augmented
-with features to help citizens manage their budget, improving financial
-literacy.
-
-\subsection{Focus area 3: Intended and unintended consequences}
-
-\paragraph{What are the potential economic and financial system impacts (e.g.
on gross
-domestic product, inflation targeting, monetary policy transmission mechanisms,
-and impacts on financial institutions)?}
-
-Lower transaction costs should have similar impacts on gross domestic
-product as a similar reduction in VAT, except without the government
-spending cuts that usually follow tax reductions.
-
-Taler should be neutral on inflation targeting and monetary policy
-transmission mechanisms.
-
-Financial institutions that rely on income from providing electronic
-payment services may see some loss in profits. However, as Taler has
-fundamentally lower costs, the losses in profits by commercial payment
-service providers would be significantly below the cost reductions
-achieved at a national scale.
-
-\paragraph{What are the major benefits and risks (including cyber-risks)? What
potential
-attack vectors are related to the issuance of a CBDC? What are the SARB’s
-liability implications in the event of a significant breach?}
-
-CBDC systems, as all networked systems, require high-security and
-high-availability deployments. Power- and network outages would have
-more-or-less catastrophic impacts on the ability of businesses to run
-transactions. Thus, high levels of redundancy should be in place to provide
-availability once a significant share of transactions is performed by
-Taler. SARB may also want to mandate that shops continue to accept physical
-cash.
-
-Taler includes key revocation mechanisms to bound the worst-case impacts of
-cyber attacks compromsing private keys. Any given private key would be used to
-only sign a limit amount of CBDC into existence. Compromising that private key
-would result in financial damage limited to the amount of {\em legitimate}
-CBDC signed into existence with that key. Thus, financial liabilities from
-issuing CBDC with Taler are limited, and frequent re-keying can be used to
-further minimize the potential damage.
-
-
-\paragraph{What are the lessons learned from practically issuing a CBDC in a
test
- environment?}
-
-The tests of the Taler system have demonstrated that the system is very
-stable, fast and can handle large transactions. We expect to learn about the
-complexity of integrating Taler with the wire transfer system of SA, and SARB
-to learn how easy (or difficult) it is to migrate existing services to support
-the Taler protocol.
-
-SARB will also learn details about the regulatory capabilities Taler offers,
-and where the limitations on regulation are.
-
-\subsection{Focus area 4: Legal and regulatory regime}
-
-\paragraph{What are the legal implications and impacts of issuing a CBDC?}
-
-We are not familiar enough with the legal framework in SA to
-comment on this question.
-
-\paragraph{What would a regulatory regime need to consider (e.g. how would the
CBDC
-scheme be structured and who would determine the scheme ‘rulebooks’)?}
-
-We can see two possible regulatory regimes, with either the SARB being
-solely responsible for the issuance of Taler coins denominated in rand, or
-with commercial banks issuing electronic rand.
-In the first case, the Taler coins, i.e. electronic rand coins must
-be recognized as legal tender like cash.
-In the latter case, the
-commercial banks would be subjected to permanent security audits to
-verify that their escrow balance matches the amount of issued electronic
-coins. Commercial banks may also have to take out insurance to cover
-the potential losses from an attacker compromising their operations.
-
-\paragraph{What potential high-level rules would need to be considered (e.g.
participation
-criterion, chargebacks, liability shifts).}
-
-Compared to other electronic payment systems where liabilities are typically
-with the payment service provider, Taler shifts some liability to the
-consumer: if a consumer's system is compromised, the attacker may spent the
-consumers CBDC, just like a burglar may steal a physical wallet full of cash.
-
-
-\subsection{Focus area 5: Ongoing monitoring, and incorporating learnings and
-perspectives from other central banks and related local and international
-forums}
-
-\paragraph{Continued participation and research in global developments
pertaining to CBDC.}
-
-Taler Systems SA is involved in various academic communities (W3C, IETF,
-Bankademia) and will continue to evolve Taler to try to best meet the business
-and regulatory requirements of our customers.
-
-\paragraph{Incorporating learnings and perspectives from other global
participants in CBDC
- in the SARB CBDC project, where relevant.}
-
-Taler Systems SA will continue its engagement with commercial
-and central banks on a global scale, and of course feed this
-experience into any engagement with SARB.
-
-\paragraph{Ongoing engagement with key stakeholders (local and international)
on the topic
-of CBDC to broaden the knowledge base and relationships.}
-
-We know that three European central banks are quite interested in
-Taler, and while they have made no decisions on CBDCs, we expect
-them to closely watch any experiments with a Taler CBDC in SA.
-
-\section{Conclusion}
-
-Taler effectively provides electronic cash and thus solves the problem
-of gaining access to risk-free assets. As the SARB supervises the
-CBDC escrow funds (either directly or by auditing the private
-operator), the government can assure citizens that they can always
-exchange CBDCs back to cash. Thus, in Taler's design, the government
-acts as a trust anchor.
-
-Taler removes inefficiencies the current system creates through fraud
-risks inherent in register-based systems. In Taler, citizens only
-ever authenticate to their bank (or social services). By avoiding
-disclosing personally identifying information or even performing
-credit card-style authentication via third parties, Taler improves
-usability and eliminates most vectors of authentication token
-compromise.
-
-Further information about the Taler system can be found at
-\begin{center}
- \url{https://taler.net/}
-\end{center}
-
-
-\section*{Contact}
-
-\renewcommand\logo{}
-
-\begin{center}
-
\includegraphics[width=0.5\textwidth]{../presentations/comprehensive/taler-logo-2018.pdf}
- \vfill
- {\Large \url{https://taler.net/}}
- \vfill
-
-\begin{tabular}{l l}
- Dr. C. Grothoff & grothoff@taler.net \\
- Dr. F. Dold & dold@taler.net \\
- L. Schumacher & schumacher@taler.net \\
- M. Widmer & widmer@taler.net \\
-\end{tabular}
-\end{center}
-
-\vfill
-
-\includegraphics[width=0.2\textwidth]{../presentations/investors/partner-logos/ashoka.png}
-\hfill
-\includegraphics[width=0.1\textwidth]{../presentations/investors/partner-logos/inria.png}
-\hfill
-\includegraphics[width=0.1\textwidth]{../presentations/comprehensive/bfh.png}
-\hfill
-\includegraphics[width=0.1\textwidth]{../presentations/investors/partner-logos/tum.png}
-\hfill
-\includegraphics[width=0.1\textwidth]{../presentations/investors/partner-logos/gnu.jpeg}
-
-\end{document}
-
-
-
-\subsection*{What would a solution for a register-based CBDC look like?}
-
-
-\subsection*{What would a solution for a value-based CBDC look like?}
-
-
-\section*{What is your vision for an CBDC?}
-% Are there other possible solutions than register-based and value-based that
you consider to be more appropriate?}
-
-
-
-
-\section*{What challenges and opportunities do you envisage?}
-
-Taler provides the advantages of cash while supporting taxation and
-limiting criminal abuse, as recipients of payments are identifiable.
-Furthermore, Taler transactions are faster, easier and more secure
-than cash or credit card transactions.
-
-The main challenge is the integration of the Taler merchant backend
-into the diverse POS systems that exist today. While integrating
-Taler can be done with a few hundred lines of code, NFC-enabled POS
-systems would require at least a firmware update. Convincing vendors
-to upgrade their systems will thus require a major up-front
-investment.
-
-Taler also requires further development to ensure that wallets are
-available on all relevant platforms. However, consumer systems are
-much less diverse and hence this effort is significantly smaller.
-
-Deploying Taler at scale should have no major impact on monetary
-policy because the issued CBDC would be 1:1 backed by rand
-in the escrow account at the SARB. However, if there is a
-significant shift from the use of credit-cards to CBDC, there might
-be a reduction in M2 from fractional reserve banking as CBDC is
-debit-based while credit-cards are credit-based. Thus, instead of
-commercial bank money being created from debts, consumers may
-effectively hold CBDC claims against the escrow account at the
-central bank. The resulting reduction in M2, and the loss of revenue
-at banks from credit-card interest payments, may require adjustments
-in monetary policies.
-
-
-\section*{What is missing in our concept?}
-
-
-A key requirement for governments considering electronic payment
-systems is the preservation of the Commons. Cash is a Commons as all
-market participants have equal liberties in handling cash. If cash is
-replaced by proprietary solutions such as Visa's credit card system or
-ApplePay, these companies have exclusive control over critical
-infrastructure, which often leads to high fees. Worse, such payment
-service providers may discriminate against individuals or certain
-businesses and can refuse service to individuals or businesses without
-judicial oversight.
-
-In contrast, Taler is implemented as Free Software distributed under
-the GNU General Public License, and without patent encumbrances. This
-ensures that any government retains sovereignty after deploying Taler,
-as it can liberally inspect, use and modify the software. In
-particular, no foreign government or company can impose their own
-restrictions or regulatory regime. Governments can foster competition
-between multiple Taler exchange operators, or run a Taler exchange as
-a government monopoly equivalent to a government mint for coins.
-
-
-
-\section{Addressing CBDC Requirements}
-
-We now sketch how the Taler components map to a Centrally Banked Digital
-Currency system run by the ECB or national central banks (NCBs), according to
-the draft requirements. Taler is a value-based payment system (as opposed to
-an account-based system), and thus we will address the common requirements
-C1-C8 and requirements V1-V4 specific to the value-based model.
-
-\paragraph{C1. Tokenization:} \emph{Units of digital currency (CBDC units) are
only created against money
-blocked on a transit account, which will be held by ECB/NCBs}.
-
-The ECB/NCBs would simultaneously take the role of the Taler Exchange
-and Taler Auditor (or could outsource operations to qualified third parties).
-
-\paragraph{C2. Issuance:} \emph{A central authority creates new CBDC units on
-the reception of the transfer of an equivalent EUR amount from the
-participating bank to the transit account. The same logic applies to the
-destruction of existing CBDC units, where the central authority destroys CBDC
-and releases EUR that were previously held by the ECB/NCBs in the transit
-account.}
-
-The ECB/NCBs create new CBDC units by issuing Taler digital coins,
-and destroy CBDC units by accepting digital coin deposits from merchants,
subsequently releasing
-funds blocked in the escrow account and sending them to the merchant's bank
account.
-
-\paragraph{C4. 1-on-1 parity rule:} \emph{The parity rule applies when CBDC
units are newly created or destroyed,
-meaning that for each EUR blocked in (released from) the transit account there
will be exactly
-one CBDC created (destroyed). The parity rule also applies when CBDC are
exchanged for
-commercial bank deposits or physical cash, and vice versa.}
-
-Digital coins in GNU Taler correspond 1-on-1 to a
-value in a fiat currency such as the Euro.
-
-\paragraph{C4. Two-tier structure:} \emph{The central authority issues CBDC
only to entities entitled to deposit funds
-in the transit account held at ECB/NCBs in exchange for newly issued CBDC
units. Also, end-
-users’ access to the CBDC payment system is intermediated via other entitled
entities, acting as
-gateways. All these entities, hereafter “tier-2 entities”, could be commercial
banks or non-banks
-(for example, payment service providers (PSPs), wallet providers etc.).}
-
-
-With Taler, national banks could serve as
-the primary Tier-2 entity, establish customer's identities (KYC) during bank
-account setup, and facilitate the transfer from a customer's bank
-account to the exchange's escrow account. A secondary Tier-2 entity are the
wallet providers.
-Banks can serve as wallet providers, but other third party businesses could
offer
-a wallet backup/sync/restore services as well. Customers are also given the
option to be
-responsible for the security of their wallet on their own, and manage private
keys directly
-and on their own device.
-
-
-\paragraph{C5. Compliance with AML regulation:} \emph{Transactions with
amounts above a certain threshold must be
-disclosed to relevant parties as required by the AML regulation. In general,
the system must be
-designed in a way that discourages end-users from using it for anonymous
large-value
-transactions.}
-
-Strict withdrawal limits can
-be placed on customers' bank accounts. Merchants can be required to collect
-customer data for critical transactions. Due to the technical measures
-that provide transparency of cash flows to merchants, the compliance of
-merchants is easy to verify.
-
-\paragraph{C6. Fees:} \emph{The system should enable fee collection. The
issuance of CBDC to banks and the
-destruction of returned CBDC are free of charge for the entitled tier-2
entities (i.e. banks). Tier-2
-entities can, however, charge fees to end-users for services they provide,
such as their
-involvement in the transfers of CBDC and/or the exchange of EUR into CBDC and
vice versa.}
-
-Taler has a flexible fee structure that is easily configured so that Tier-2
banks
-can charge for CBDC creation and other activities.
-
-
-\paragraph{C7. Availability:} \emph{Payments are processed 24 hours a day, 7
days a week, 365 days a year, without
-operational downtimes.}
-
-Taler requires no manual processing and can be made highly
-available with standard software deployment and operations techniques.
-
-
-\paragraph{C8. Throughput, transaction time and micropayments:} \emph{The
-payment system must be able to handle a sufficiently large amount of
-transactions. Each transaction must be processed real-time (to be compliant
-with the SEPA Instant Credit Transfer (SCT Inst) scheme, the transaction time
-would have to be maximum ten seconds). Furthermore, the payment system
-should/could enable micropayments (low value, large volume, low cost, real time
-transactions).}
-
-Transactions
-with Taler are processed in the order of milliseconds. Unlike DLTs, Taler can
-be easily scaled both horizontally (sharding, more processing nodes) and
-vertically (faster machines). Since multiple payments to a merchant can be
aggregated into
-one bank transfer, even micropayments with fractions of a cent are possible.
All coins
-are issued with expiration dates, ensuring that the exchange may eventually
delete ancient
-transactions.
-
-\paragraph{V1. Non-interest-bearing:} \emph{In the value-based model, holdings
of CBDC do not bear interest - neither
-positive nor negative.}
-
-In Taler, digital coins do not bear interest; however,
-when coins expire it is possible to charge fees when the electronic wallets
trade
-expiring coins for fresh coins. This feature may be used to
-provide a mechanism for negative interest rates (for non-circulating coins).
-
-
-\paragraph{V2. Limitation of bank runs:} \emph{In the value-based model, to
avoid a situation, in which end-users
-(suddenly) shift large amounts of their commercial bank deposits to CBDC,
daily (potentially also
-weekly or monthly) limits should be imposed on the amount that can be
converted from
-commercial bank deposits into CBDC.}
-
-Bank runs are discouraged and limited with Taler: (1) Withdrawal
-limits can be imposed by the Tier-2 banks on the withdrawal of CBDC units; (2)
wallet providers may place limits
-on how much money can be stored in online wallets; (3) customers that mange
their own wallet are discouraged from
-storing large amounts of CBDC units in their wallets, as they must ensure its
safety similar to a physical wallet;
-(4) modest expiration times with modest refresh fees make hoarding coins
unattractive.
-
-
-\paragraph{V3. Anonymity and AML:} \emph{The system should allow anonymous
low-value transactions (below a
-certain amount used as threshold). Moreover, it should be possible to trace
large-value
-transactions and link them to the identities of the participants (through
KYC). Furthermore, as
-countermeasure against splitting large-value transactions into multiple
low-value anonymous
-transactions, it should be possible to identify multiple low-value
transactions which are
-processed within a certain period of time and which sum up to an amount
greater than the
-chosen threshold.}
-
-The exchange does not know which customer owns which coin
-due to the use of blind signatures during the withdrawal process.
-AML measures are based on the \emph{income transparency} feature,
-where cash flows to merchants are visible to the exchanges (and
-thus ECB/NCBs). As the merchant redeems CBDC units with a transaction to
their bank account, the KYC process
-already happened when the merchant opened their SEPA bank account.
Furthermore, the
-deposit permissions are linked to the contract with the customer, allowing
authorities
-to validate the plausiblity of the transaction during tax audits.
-With Taler, ownership of digital coins between mutually distrusting parties
can only be securely transferred with a digital coin deposit via the exchange.
-This discourages ``invisible'' payments by sharing digital coins between
wallets
-without involving the exchange.
-
-\paragraph{V4. Ownership and spending rights of CBDC:} \emph{In the
value-based model, units of CBDC are held by
-end-users themselves. Each end-user has cryptographic information (e.g.
private keys, other
-secrets) without which CBDC units associated with that particular
cryptographic information
-material cannot be spent. Spending rights are defined by technology (e.g. if
you have private
-keys you can spend).}
-
-Technically literate
-users have the option to manage their own wallets and private keys, whereas
-other users can use wallet backup/sync/restore providers.
-
-\section*{Contrast and Relationship to DLT-based Systems}
-
-The Taler payment system is independent from Distributed Leder
-Technology (DLT) systems. In particular, Taler payments are not
-necessarily backed by any blockchain or cryptocurrency. Even though
-Taler uses cryptographically secured payment tokens, it is distinct
-from ``cryptocurrencies'': Taler is a very efficient electronic
-payment system with certain characteristics like cash, but it is not a
-currency. Taler is designed to serve as a payment instrument for
-retail commerce, in contrast to DLTs which are generally used more as
-a long-term stores-of-value or as speculative assets.
-
-Some technological advancements made by DLTs could potentially benefit Taler.
-For example, public cryptographic key material and data relevant for auditing
-could be further secured by a distributed ledger. Yet a distributed ledger is
-not mandatory to operate Taler, as payments are facilitated by a federation of
-trusted entities, with oversight from each other and/or a central institution,
-not too dissimilar from how traditional banking systems work.
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