commit aadbe8606e6256a308443b288cb3fc244f4bdfee
parent 4ae2542b78d477f9f837962eb4fd6437e2a51e45
Author: Christian Grothoff <grothoff@gnunet.org>
Date: Sat, 24 Jan 2026 00:48:57 +0100
edits, getting below 500 words
Diffstat:
2 files changed, 69 insertions(+), 51 deletions(-)
diff --git a/documentation/HaRBInger.md b/documentation/HaRBInger.md
@@ -0,0 +1,69 @@
+* Brief description of the product or solution
+
+We leverage the Swiss electronic ID (eID) to enable tokenized
+Know-Your-Customer (KYC) for our rCBDC digital cash payment solution
+for privacy-preserving and compliant peer-to-peer payments.
+
+* Innovation or novelty involved
+
+By combining self-sovereign identity systems supporting selective
+disclosure with digital cash, we enable highly efficient decentralized
+payment systems with strong Verification of Payees (VoP) to minimize
+fraud. The system exhibits the same fundamental properties and risk
+characteristics as physical cash, and its FLOSS-based architecture
+enables interoperable global deployments without raising sovereignty
+concerns.
+
+* How is it different from existing product/ solutions available in the market
+
+The proposed solution introduces peer-to-peer transactions with strong
+VoP, a capability not currently available in the financial industry.
+In most aspects, the system mirrors the functional properties of
+physical cash and physical ID, with the added conveniences of using
+digital technology. The wallets truly provide ownership and control
+over data and money; they are not based on accounts. There is no
+custodian, the citizens are directly in control over their identity
+data and money.
+
+* Technology or platform being used
+
+Our solution is based on two free and open source projects, GNU Taler
+and the SSI-inspired Swiss eID solution. It primarily uses OID4VP,
+OID4VCI, SD-JWT, OAUTH2 and blind signatures. For onboarding, Swiyu
+relies on biometric facial identification. Wallets are available for
+Android, iOS and other platforms. Where supported, hardware security
+modules can be used to add an additional layer of protection for
+sensitive data. For the (central) bank, a GNU/Linux system with a
+Postgresql database is required.
+
+* Brief process flow (if possible)
+
+1.) Citizens obtain a Swiss electronic ID online (biometric identification).
+2.) For a payment, the payer generates a virtual check containing:
+ - An expiry date
+ - Required payee attributes for verification
+3.) The virtual check is transferred to the payee via NFC, QR code, or messaging channels; this may even happen offline.
+4.) The payee redeems the check after successful identity verification through selective disclosure of the requested attributes.
+
+* Proposed benefits and potential use cases
+
+The following unique features have tremendous potential:
+
+- Scalable onboarding based on national ID at low cost with high security
+- Standards-compatible (EU, CH) with next-generation SSI-based e-ID
+- Fraud-reduction via selective disclosure of payee identity to payer
+- Micro-transactions: Taler enables transactions as small as
+ fractions of a cent.
+- Bearer instruments for identity and digital cash: the
+ e-ID and payment wallets actually hold the identity data and
+ the actual money, akin to ID documents and physical cash,
+ reducing reliance on custodians improving reliability,
+ usability, privacy and security.
+- Asymmetric anonymity was shown to improve welfare over
+ systems with two-sided anonymity or no privacy (Tinn 2024)
+- Tokenization of diverse assets: Taler goes beyond currencies
+ and enables tokenization of other fungible assets.
+
+* Any other details you may wish to highlight
+
+- No dependency on blockchain, scalable low-energy solution.
diff --git a/documentation/HaRNInger.md b/documentation/HaRNInger.md
@@ -1,51 +0,0 @@
- * Brief description of the product or solution
-We leverage the Swiss electronic ID (eID) to enable tokenized Know-Your-Customer (KYC) verification. This is combined with a tokenized payment solution to create a secure, privacy-preserving peer-to-peer payment system.
-
- * Innovation or novelty involved
-By combining tokenized KYC with tokenized peer-to-peer payments, we enable highly efficient decentralized payment systems with strong Verification of Payee (VoP). The system exhibits the same fundamental properties and risk characteristics as physical cash—properties that are well understood by customers, banks, and regulators.
-
- * How is it different from existing product/ solutions available in the market
-The proposed solution introduces peer-to-peer transactions with strong VoP, a capability not currently available in the financial industry. It enables payments between individuals who do not share the same bank or payment network. The system supports partial offline transactions via NFC or QR codes and offers asymmetric privacy—protecting the payer’s privacy while still ensuring regulatory compliance. In most aspects, the system mirrors the functional properties of physical cash.
-
- * Technology or platform being used
-Our solution is based on two free and open source projects, GNU Taler and the Swiss eID solution.
-
- * Brief process flow (if possible)
- 1.) Citizens obtain a Swiss electronic ID.
- 2.) For a payment, the payer generates a virtual check containing:
- - An expiry date
- - Required payee attributes for verification (e.g., full name, address, date of birth).
- 3.) The virtual check is transferred to the payee via NFC, QR code, or messaging channels.
- 4.) The payee redeems the check at their bank (or the issuing bank) after successful identity verification through selective disclosure of the requested attributes.
-
- * Proposed benefits and potential use cases
-The following unique features of Taler have tremendous potential:
- - Micro-transactions: Taler enables transactions as small as
-fractions of a cent, allowing for seamless handling of
-micro-transactions.
- - Cash-like bearer instrument: Unlike traditional payment methods
-tied to accounts or blockchain ledgers, Taler's digital wallet
-securely holds the actual money, akin to physical cash in a wallet.
- - Programmable money: Taler offers the capability of programmable
-money, allowing for customized functionalities and enhanced
-flexibility in transactions.
- - One-sided anonymity for spenders: Taler guarantees
-cryptographic one-sided anonymity for spenders, providing an
-irreversible layer of privacy protection.
- - Linear scalability: Taler has demonstrated its ability to
-handle substantial transaction volumes, achieving a real-life test of
-about 30,000 transactions per second using a single server on Grid5000.
- - No dependency on bank account or blockchain: Taler eliminates
-the need for a bank account or reliance on blockchain technology,
-streamlining the payment process.
- - Seamless instant 1-click payments: Taler provides users with a
-smooth and effortless payment experience, enabling secure one-click
-payments without the hassle of registration, log-in, or multi- factor
-authentication.
- - Tokenization of diverse assets: Taler goes beyond currencies
-and offers the tokenization of various other assets. This innovative
-feature allows for the representation and secure transfer of a wide
-range of digital and physical assets on the Taler platform.
-
- * Any other details you may wish to highlight
-
