Com'è correlato Taler a Bitcoin o Blockchains?

Taler non utilizza in maniera diretta nessuna tecnologia Blockchain o Bitcoin. Taler non si basa su proof-of-work o qualsiasi altro modello di consenso distribuito. Al contrario, esso è basato sulle firme cieche (blind signatures).

Sarebbe possibile, comunque, prelevare monete espresse in Bitcoin verso un portafoglio Taler (con un cambio appropriato), il quale darebbe alcuni vantaggi rispetto al semplice Bitcoin, come ad esempio i tempi di conferma immediati.

Dov'è conservato il saldo nel mio portafoglio?

Il tuo portafoglio contiene monete digitali, così in sostanza è il tuo computer a conservare il tuo saldo. Il cambio mette da parte i fondi che corrispondono a tutte le monete non spese in un conto bancario di garanzia.

Cosa accade se il mio portafoglio si perde?

Poiché nel tuo portafoglio le monete digitali di valore vengono rese anonime, il cambio non può aiutarti a recuperare un portafoglio perso o rubato. Proprio come accade con un portafoglio materiale per denaro contante, sei tu responsabile per tenerlo al sicuro.

Il rischio di perdere un portafoglio puà essere ridotto facendo backup o mantenendo il saldo ragionevolmente basso.

Cosa accade se il mio computer viene attaccato?

In caso di compromissione di uno dei tuoi dispositivi, un aggressore può spendere le monete del tuo portafoglio. Controllare il tuo saldo potrebbe rivelarti se il tuo dispositivo è stato compromesso.

Posso inviare denaro ai miei amici con Taler?

Se i tuoi amici ti forniscono beni o servizi in cambio di un pagamento, possono facilmente creare un commerciante Taler e ricevere il pagamento nel loro conto bancario.

Le versioni future del portafoglio Taler potranno consentire lo scambio di monete anche direttamente tra amici.

Come gestisce Taler i pagamenti in valute diverse?

I portafogli Taler possono contenere monete digitali corrispondenti a più valute diverse, come l'Euro, il Dollaro americano o i Bitcoin.

Al momento Taler non offre la conversione tra le valute.

Come protegge Taler la mia privacy?

Il tuo portafoglio contiene monete digitali che sono firmate ciecamente da un cambio. L'uso della blind signature protegge la tua privacy in quanto impedisce al cambio di sapere quale moneta ha firmato e per quale cliente.

How much does it cost?

The Taler protocol allows any exchange to set its own fee structure, allowing operators to set fees for withdrawing, depositing, refreshing or refunding coins. Operators can also charge fees for closing reserves and for (aggregated) wire transfers to merchants. Merchants may choose to cover some of the fees customers incur. Actual transaction costs are estimated around 0.001 cent/transaction (at high transaction rates, amortized over billions of transactions, excluding migration costs). Note that this is an early estimate, details may depend on hosting and backup requirements from the regulator and could thus easily be 10x higher.

Does Taler work with international payments?

Taler's wallet supports multiple currencies, but the system currently does not support conversion between currencies. However, in principle an entity that accepts deposits in one currency and allows withdrawals in another currency could be created. Still, the regulatory hurdles in this case tend to be particularly complex. The focus for Taler is on day-to-day payments, so we have no plans to support currency conversion in the near future.

How does Taler relate to the (European) Electronic Money Directive?

We believe the European Electronic Money Directive provides part of the regulatory framework a Taler exchange with coins denominated in Euros would have to follow.

What bank would guarantee the conversion between Taler coins and bank money in regular bank accounts?

The exchange would be operated by a bank or in cooperation with a bank, and that bank would hold the funds in escrow. Note that this bank could be a regular bank or a central bank for a centrally banked electronic currency. Regardless, the bank would fall under the respective banking regulations establishing a reason why consumers would have faith in the conversion from Taler coins into regular bank money.

To whom would consumers complain to in case of non-conversion or non-compliance?

Any exchange should be audited by one or more independent auditors. Merchants and consumer wallets will report certain issues automatically to the auditors, but auditors may also provide a method for manual submission of issues. The auditors are expected to make their reports available to the respective regulatory authorities, or even the general public.

Are there any projects already using Taler?

We are aware of several businesses running exploratory projects or having developed working prototypes. We are also in discussions with several regular banks as well as several central banks about the project. That said, there are currently no products in the market yet, and we believe this would be premature given the state of the project (see also our bugtracker for a list of open issues).

Does Taler support recurring payments?

Today, our wallet implementation does not support recurring payments. Recurring payments, where some fixed amount is paid on a regular basis are in theory possible with Taler, but they come with a few caveats. Specifically, recurring payments can only work if the Taler wallet is running and online around the desired time. Furthermore, given their repetitive nature they are linkable, and could thus be used to deanonymize the user making the recurring payment, for example by forcing the user offline at the time of the payment and observing that it does then not happen on time. Finally, the Taler wallet does not work with credit and thus the user would have to make sure to carry a sufficient balance for the recurring payment to be made. Still, they can be useful, and a future version of the Taler wallet will likely support them. But this is not a feature that we are targeting for Taler 1.0. at this time