commit 04b63204f1753a70c4ee57edd3995307a9fe2bfc
parent 8d0ca858cd585c2e253b4a3a31cc6ab37777fb86
Author: Christian Grothoff <grothoff@gnunet.org>
Date: Sat, 28 Jun 2025 12:21:50 +0200
antipas
Diffstat:
1 file changed, 146 insertions(+), 87 deletions(-)
diff --git a/presentations/bank/intro.tex b/presentations/bank/intro.tex
@@ -128,45 +128,45 @@
% Substitute based on who is giving the talk!
\begin{textblock*}{6cm}(6.7cm,7.7cm) % {block width} (coords)
- {\hfill {\Large {\bf Florian Dold \&} \\
+ {\hfill {\Large {\bf Leon Schumacher \&} \\
\hfill {\bf Christian Grothoff}} \\
- \hfill \{dold,grothoff\}@taler.net }
+ \hfill \{schumacher,grothoff\}@taler.net }
\end{textblock*}
\end{frame}
-\section{Introduction}
-
-\begin{frame}
- \vfill
- \begin{center}
- {\bf Part I: Introduction}
- \end{center}
- \vfill
-\end{frame}
-
-\begin{frame}{Three Futures}
-\begin{center}
-\begin{tikzpicture}
- \tikzstyle{def} = [node distance= 4em and 4.5em, inner sep=1em, outer sep=.3em];
- \node (origin) at (0,0) {};
- \node (china) [def, draw, above left=of origin]{Chinese Model};
- \node (defi) [def, draw, above right=of origin] {Libertarian Model};
- \pause
-\node (taler) [def, draw, below=of origin] {European Model};
- \tikzstyle{C} = [color=black, line width=1pt]
- \draw [->, C] (defi) -- (taler) node [midway, above, sloped] (TextNode) {+regulate};
- \draw [->, C] (defi) -- (taler) node [midway, below, sloped] (TextNode) {+centralize};
- \draw [->, C] (china) -- (taler) node [midway, above, sloped] (TextNode) {+privacy};
- \draw [->, C] (china) -- (taler) node [midway, below, sloped] (TextNode) {+Free Software};
-\end{tikzpicture}
-\end{center}
-\end{frame}
+%\section{Introduction}
+
+%\begin{frame}
+% \vfill
+% \begin{center}
+% {\bf Part I: Introduction}
+% \end{center}
+% \vfill
+%\end{frame}
+
+%\begin{frame}{Three Futures}
+%\begin{center}
+%\begin{tikzpicture}
+% \tikzstyle{def} = [node distance= 4em and 4.5em, inner sep=1em, outer sep=.3em];
+% \node (origin) at (0,0) {};
+% \node (china) [def, draw, above left=of origin]{Chinese Model};
+% \node (defi) [def, draw, above right=of origin] {Libertarian Model};
+% \pause
+%\node (taler) [def, draw, below=of origin] {European Model};
+% \tikzstyle{C} = [color=black, line width=1pt]
+% \draw [->, C] (defi) -- (taler) node [midway, above, sloped] (TextNode) {+regulate};
+% \draw [->, C] (defi) -- (taler) node [midway, below, sloped] (TextNode) {+centralize};
+% \draw [->, C] (china) -- (taler) node [midway, above, sloped] (TextNode) {+privacy};
+% \draw [->, C] (china) -- (taler) node [midway, below, sloped] (TextNode) {+Free Software};
+%\end{tikzpicture}
+%\end{center}
+%\end{frame}
\begin{frame}{Design goals for the GNU Taler Payment System}
-GNU Taler must ...
+GNU Taler must (in this order) ...
\begin{enumerate}
\item {... be implemented as {\bf free software}.}
\item {... protect the {\bf privacy of buyers}.}
@@ -191,26 +191,26 @@ GNU Taler must ...
\end{frame}
-\begin{frame}{Taler Overview}
-\begin{center}
-\begin{tikzpicture}
- \tikzstyle{def} = [node distance= 5em and 6.5em, inner sep=1em, outer sep=.3em];
- \node (origin) at (0,0) {};
- \node (exchange) [def,above=of origin,draw]{Exchange};
- \node (customer) [def, draw, below left=of origin] {Customer};
- \node (merchant) [def, draw, below right=of origin] {Merchant};
- \node (auditor) [def, draw, above right=of origin]{Auditor};
-
- \tikzstyle{C} = [color=black, line width=1pt]
-
- \draw [<-, C] (customer) -- (exchange) node [midway, above, sloped] (TextNode) {withdraw coins};
- \draw [<-, C] (exchange) -- (merchant) node [midway, above, sloped] (TextNode) {deposit coins};
- \draw [<-, C] (merchant) -- (customer) node [midway, above, sloped] (TextNode) {spend coins};
- \draw [<-, C] (exchange) -- (auditor) node [midway, above, sloped] (TextNode) {verify};
-
-\end{tikzpicture}
-\end{center}
-\end{frame}
+%\begin{frame}{Taler Overview}
+%\begin{center}
+%\begin{tikzpicture}
+% \tikzstyle{def} = [node distance= 5em and 6.5em, inner sep=1em, outer sep=.3em];
+% \node (origin) at (0,0) {};
+% \node (exchange) [def,above=of origin,draw]{Exchange};
+% \node (customer) [def, draw, below left=of origin] {Customer};
+% \node (merchant) [def, draw, below right=of origin] {Merchant};
+% \node (auditor) [def, draw, above right=of origin]{Auditor};
+%
+% \tikzstyle{C} = [color=black, line width=1pt]
+%
+% \draw [<-, C] (customer) -- (exchange) node [midway, above, sloped] (TextNode) {withdraw coins};
+% \draw [<-, C] (exchange) -- (merchant) node [midway, above, sloped] (TextNode) {deposit coins};
+% \draw [<-, C] (merchant) -- (customer) node [midway, above, sloped] (TextNode) {spend coins};
+% \draw [<-, C] (exchange) -- (auditor) node [midway, above, sloped] (TextNode) {verify};
+%
+%\end{tikzpicture}
+%\end{center}
+%\end{frame}
\begin{frame}{GNU Taler Properties Today}
@@ -221,8 +221,8 @@ GNU Taler must ...
% \item Enhanced monetary policy options (friendly for central banks)
\item Increased resilience (full-stack replacement)
\item Internationally usable (including unbanked or tourists)
- \item Low-cost and thus environmentally friendly
- \item Free Software provides provider-neutral infrastructure
+ \item Low-cost and thus protecting creation % environmentally friendly
+ \item Free/Libre Software provides provider-neutral infrastructure
\item Compliant with regulation (AML, KYC, CFT) as privacy is one-sided and payments remain intermediated
% \item Non-core components to be operated by private entities
\item Protocol is an open standard with freely available reference implementations
@@ -232,66 +232,124 @@ GNU Taler must ...
\end{frame}
-\begin{frame}{GNU Taler Integrations Today}
-\begin{itemize}
- \item WooCommerce (Wordpress)
- \item Joomla! E-commerce
- \item Multi-drop-bus (vending machines)
- \item Static QR codes (incl. for offline merchants)
- \item Point-of-sale ``restaurant'' App
- \item Peer-to-peer payments between wallets
- \item Wallets for Firefox, Chromium, Chrome, Android
-\end{itemize}
-\end{frame}
-
-
-\begin{frame}{Application Domains}
-\begin{itemize}
- \item Commercial bank payments
- \item Central bank digital currency
- \item Tokenization of assets
- \item Layer-2 solution for crypto-currencies
-\end{itemize}
-\end{frame}
+%\begin{frame}{Application Domains}
+%\begin{itemize}
+% \item Commercial bank payments
+% \item Central bank digital currency
+% \item Tokenization of assets
+% \item Layer-2 solution for crypto-currencies
+%\end{itemize}
+%\end{frame}
\begin{frame}{GNU Taler Properties Tomorrow}
\begin{itemize}
- \item Privacy-preserving age-restricted payments based on KYC data
+ \item Privacy-preserving age-restricted payments aligned
+ with principle of subsidiarity from Catholic social theory
\item Anonymous, yet unshareable subscriptions
\item Coupons, discounts, upselling, loyalty programs
\item Unforgeable privacy-preserving donation receipts for tax deductions
\item Certified for blind users
- \item Certified for age-restriction
+ \item Read for post-quantum cryptography
+% \item Certified for age-restriction
\end{itemize}
\end{frame}
-\begin{frame}{GNU Taler Integrations Tomorrow}
+\begin{frame}{GNU Taler Integrations}
\begin{itemize}
- \item Wallets for iOS, Brave, Opera, ...
- \item Adobe E-commerce
- \item Public transport ticket vending machines
- \item Coin- and cash acceptors
- \item Embedded wallet
+ \item WooCommerce (Wordpress)
+ \item Drupal Commerce
+ \item Joomla! E-commerce
+ \item Multi-drop-bus (vending machines)
+ \item Static QR codes (incl. for offline merchants)
+ \item Point-of-sale ``restaurant'' App
+ \item Peer-to-peer payments between wallets
+ \item Wallets for Firefox, Chromium, Chrome, Android
\end{itemize}
\end{frame}
+%\begin{frame}{GNU Taler Integrations Tomorrow}
+%\begin{itemize}
+% \item Wallets for iOS, Brave, Opera, ...
+% \item Adobe E-commerce
+% \item Public transport ticket vending machines
+% \item Coin- and cash acceptors
+% \item Embedded wallet
+%\end{itemize}
+%\end{frame}
+
+
\begin{frame}{Speed Junky}
28'500 Coin-transactions/second in 2022 in test across France. Ongoing work:
\begin{enumerate}
\item Specific optimizations (DB, code, protocol)
- \item GPU integration for signature validation
+% \item GPU integration for signature validation
\item Optimized cryptographic routines (expected 10x speed-up)
\end{enumerate}
-\pause
-\begin{center}
- Can settle all transactions of Hungary on 2 servers!
-\end{center}
+%\pause
+%\begin{center}
+% Can settle all transactions of Hungary on 2 servers!
+%\end{center}
+\end{frame}
+
+
+\section{Competitor analysis}
+\begin{frame}{Competitor comparison}
+ \begin{center} \small
+ \begin{tabular}{l||c|c|c|c|c}
+ & Cash & Bitcoin & Zelle & Stripe & GNU Taler \\ \hline \hline
+ Online &$-$$-$$-$ & ++ & ++ & ++ & +++ \\ \hline
+ Offline & +++ & $-$$-$ & $-$$-$ & - & ++ \\ \hline
+ Trans. cost & + & $-$$-$$-$ & $-$$-$ & $-$ $-$ & ++ \\ \hline
+ Speed & + & $-$$-$$-$ & o & o & ++ \\ \hline
+ Taxation & $-$ & $-$$-$ & +++ & +++ & +++ \\ \hline
+ Payer-anon & ++ & o &$-$$-$$-$ & $-$$-$$-$ & +++ \\ \hline
+ Payee-anon & ++ & o &$-$$-$$-$ & $-$$-$$-$ & $-$$-$$-$ \\ \hline
+ Security & $-$ & o &$-$$-$ & $-$$-$ & ++ \\ \hline
+ Conversion & +++ & $-$$-$$-$& +++ & +++ & +++ \\ \hline
+ Libre & $-$ & +++ &$-$$-$$-$ & $-$ $-$ $-$& +++ \\
+ \end{tabular}
+ \end{center}
\end{frame}
+\begin{frame}
+\frametitle{Do you have any questions?}
+\vfill
+References:
+{\tiny
+ \begin{enumerate}
+ \item{Özgür Kesim, Christian Grothoff, Florian Dold and Martin Schanzenbach.
+ {\em Zero-Knowledge Age Restriction for GNU Taler}.
+ {\bf 27th European Symposium on Research in Computer Security (ESORICS), 2022}.}
+ \item{Martin Summer and Hannes Hermanky.
+ {\em A digital euro and the future of cash}.
+ {\bf Monetary Policy \& The Economy Q1-Q2/22}, 2022.}
+ \item{David Chaum, Christian Grothoff and Thomas Moser.
+ {\em How to issue a central bank digital currency}.
+ {\bf SNB Working Papers}, 3/2021.}
+ \item{Antoine d'Aligny, Emmanuel Benoist, Florian Dold, Christian Grothoff, \"Ozg\"ur Kesim and Martin Schanzenbach.
+ {\em Who comes after us? The correct mindset for designing a Central Bank Digital Currency}.
+ {\bf SUREF Policy Note}, Issue No 279, May 2022.}
+ \item{Marco Boss.
+ {\em GNU Taler Scalability}.
+ {\bf Bachelor Thesis, Bern University of Applied Sciences, 2022}.}
+ \item{Florian Dold.
+ {\em The GNU Taler System: Practical and Provably Secure Electronic Payments}.
+ {\bf PhD Thesis, University of Rennes, 2019}.}
+ \item{Christian Grothoff and Alex Pentland.
+ {\em Digital cash and privacy: What are the alternatives to Libra?}.
+ {\bf MIT Media Lab}, 2019.}
+\end{enumerate}
+}
+\end{frame}
+
+\end{document}
+
+
+
\section{Architecture}
\begin{frame}
@@ -402,6 +460,7 @@ GNU Taler must ...
\end{center}
\end{frame}
+
\section{Pilot Deployment}
\begin{frame}
@@ -424,7 +483,7 @@ Proposed setup:
\item Taler exchange with Nexus banking backend
\item Offline key signing
\end{itemize}
-Proposed timeline: Q4-2024.
+%Proposed timeline: Q4-2024.
\end{frame}
