netpol.tex (22152B)
1 \documentclass{beamer} 2 \usepackage{amsmath} 3 \usepackage{multimedia} 4 \usepackage{framed,color,ragged2e} 5 \usepackage[absolute,overlay]{textpos} 6 \definecolor{shadecolor}{rgb}{0.8,0.8,0.8} 7 \usetheme{boxes} 8 \setbeamertemplate{navigation symbols}{} 9 \usepackage{colortbl} 10 \usepackage{booktabs} 11 \usepackage{url} 12 \usepackage{pifont} 13 \newcommand{\cmark}{\ding{51}}% 14 \newcommand{\xmark}{\ding{55}}% 15 \usepackage{array, adjustbox,url} 16 \usepackage{pifont,marvosym} % wasysym 17 \usepackage{rotating,subfig} 18 \usepackage{xspace} 19 \ifpdf\usepackage{tikz}\fi 20 \usetikzlibrary{shapes,arrows} 21 \usetikzlibrary{positioning,fit} 22 \usetikzlibrary{calc} 23 \usepackage[normalem]{ulem} 24 \usepackage[absolute,overlay]{textpos} 25 \usepackage{listings} 26 \usepackage{multicol} 27 28 29 \lstdefinelanguage{CSS}{ 30 basicstyle=\ttfamily\scriptsize, 31 keywords={color,background-image:,margin,padding,font,weight,display,position,top,left,right,bottom,list,style,border,size,white,space,min,width, transition:, transform:, transition-property, transition-duration, transition-timing-function}, 32 sensitive=true, 33 morecomment=[l]{//}, 34 morecomment=[s]{/*}{*/}, 35 morestring=[b]', 36 morestring=[b]", 37 alsoletter={:}, 38 alsodigit={-} 39 } 40 41 % JavaScript 42 \lstdefinelanguage{JavaScript}{ 43 basicstyle=\ttfamily\scriptsize, 44 morekeywords={typeof, new, true, false, catch, function, return, null, catch, switch, var, if, in, while, do, else, case, break}, 45 morecomment=[s]{/*}{*/}, 46 morecomment=[l]//, 47 morestring=[b]", 48 morestring=[b]' 49 } 50 51 \lstdefinelanguage{HTML5}{ 52 basicstyle=\ttfamily\scriptsize, 53 language=html, 54 sensitive=true, 55 alsoletter={<>=-}, 56 morecomment=[s]{<!-}{-->}, 57 tag=[s], 58 otherkeywords={ 59 % General 60 >, 61 % Standard tags 62 <!DOCTYPE, 63 </html, <html, <head, <title, </title, <style, </style, <link, </head, <meta, />, 64 % body 65 </body, <body, 66 % Divs 67 </div, <div, </div>, 68 % Paragraphs 69 </p, <p, </p>, 70 % scripts 71 </script, <script, 72 % More tags... 73 <canvas, /canvas>, <svg, <rect, <animateTransform, </rect>, </svg>, <video, <source, <iframe, </iframe>, </video>, <image, </image> 74 }, 75 ndkeywords={ 76 % General 77 =, 78 % HTML attributes 79 charset=, src=, id=, width=, height=, style=, type=, rel=, href=, 80 % SVG attributes 81 fill=, attributeName=, begin=, dur=, from=, to=, poster=, controls=, x=, y=, repeatCount=, xlink:href=, 82 % CSS properties 83 margin:, padding:, background-image:, border:, top:, left:, position:, width:, height:, 84 % CSS3 properties 85 transform:, -moz-transform:, -webkit-transform:, 86 animation:, -webkit-animation:, 87 transition:, transition-duration:, transition-property:, transition-timing-function:, 88 } 89 } 90 91 \lstdefinelanguage{JavaScript}{ 92 basicstyle=\ttfamily\scriptsize, 93 keywords={typeof, new, true, false, catch, function, return, null, catch, switch, var, if, in, while, do, else, case, break, for}, 94 keywordstyle=\color{blue}\bfseries, 95 ndkeywords={class, export, boolean, throw, implements, import, this}, 96 ndkeywordstyle=\color{darkgray}\bfseries, 97 identifierstyle=\color{black}, 98 sensitive=false, 99 comment=[l]{//}, 100 morecomment=[s]{/*}{*/}, 101 commentstyle=\color{purple}\ttfamily, 102 stringstyle=\color{red}\ttfamily, 103 morestring=[b]', 104 morestring=[b]" 105 } 106 107 108 \title{GNU Taler} 109 110 \author[C. Grothoff]{Christian Grothoff} 111 \date{21.6.2022} 112 \institute{Berner Fachhochschule \\ The GNU Project \\ Taler Systems SA} 113 114 \newcolumntype{R}[2]{% 115 >{\adjustbox{angle=#1,lap=\width-(#2)}\bgroup}% 116 l% 117 <{\egroup}% 118 } 119 \newcommand*\rot{\multicolumn{1}{R{45}{1em}}}% no optional argument here, please! 120 121 122 \begin{document} 123 124 125 \justifying 126 \begin{frame}[fragile,plain] 127 \titlepage 128 \end{frame} 129 130 131 \section{Mass surveillance} 132 133 \begin{frame}{} 134 This was a question posed to RAND researchers in 1971: 135 136 \begin{quote} 137 ``Suppose you were an advisor to the head of the KGB, the Soviet Secret Police. Suppose you are given the assignment of designing a system for the surveillance of all citizens and visitors within the boundaries of the USSR. The system is not to be too obtrusive or obvious. What would be your decision?'' 138 \end{quote} 139 %The result: an electronic funds transfer system that looks 140 %strikingly similar today's debit card system. 141 \pause 142 \begin{center} 143 \includegraphics[height=2cm]{pics/nsa_spy.jpg} 144 \end{center} 145 \vfill 146 \begin{center} 147 ``I think one of the big things that we need to do, is we need 148 to get a way from true-name payments on the Internet. The credit 149 card payment system is {\bf one of the worst things} that happened for the 150 user, in terms of being able to divorce their access from their 151 identity.'' \hfill --Edward Snowden, IETF 93 (2015) 152 \end{center} 153 \end{frame} 154 155 156 \begin{frame}{Surveilance concerns} 157 \begin{minipage}{5.5cm} 158 {\bf On the Internet:} 159 \begin{itemize} 160 \item IP packets do not include your name 161 \item You can anonymously access the Web using Tor 162 or find open access points without authentication 163 \item ISPs typically store this meta data for days, weeks or months 164 \end{itemize} 165 \end{minipage} 166 \pause 167 \begin{minipage}{5.5cm} 168 {\bf With CC payments:} 169 \begin{itemize} 170 \item The information includes your name 171 \item Anonymous prepaid cards are difficult to get 172 and you rarely can use someone else's CC 173 \item Payment information is typically stored for at least 6 years 174 \end{itemize} 175 \end{minipage} 176 \end{frame} 177 178 179 %\section{The Bank's Problem} 180 \begin{frame}{Banks have Problems, too!} 181 182 3D secure (``verified by visa'') is a nightmare: 183 184 \begin{minipage}{5cm} 185 \begin{itemize} 186 \item Complicated process 187 \item Shifts liability to consumer 188 \item Significant latency 189 \item Can refuse valid requests 190 \item Legal vendors excluded 191 \item No privacy for buyers 192 \end{itemize} 193 \end{minipage} 194 \begin{minipage}{5cm} 195 \includegraphics[width=\textwidth]{illustrations/cc3ds.pdf} 196 \end{minipage} 197 \vfill 198 Online credit card payments will be replaced, but with what? 199 \end{frame} 200 201 202 \begin{frame}{The Bank's Problem} 203 \vfill 204 \begin{textblock*}{12cm}(0.5cm,1cm) % {block width} (coords) 205 \begin{itemize} 206 \item Global tech companies push oligopolies 207 \item Privacy and federated finance are at risk 208 % \item 30\% fees are conceivable 209 \item Economic sovereignty is in danger 210 \end{itemize} 211 \end{textblock*} 212 \begin{textblock*}{4cm}(3.5cm,5.2cm) % {block width} (coords) 213 {\includegraphics[width=\textwidth]{competitor-logos/amazon.png}} 214 \end{textblock*} 215 \begin{textblock*}{2cm}(7cm,3cm) % {block width} (coords) 216 {\includegraphics[width=\textwidth]{competitor-logos/alipay.jpeg}} 217 \end{textblock*} 218 \begin{textblock*}{2cm}(3cm,3.5cm) % {block width} (coords) 219 {\includegraphics[width=\textwidth]{competitor-logos/paypal.jpeg}} 220 \end{textblock*} 221 \begin{textblock*}{2cm}(9cm,5cm) % {block width} (coords) 222 {\includegraphics[width=\textwidth]{competitor-logos/applepay.jpeg}} 223 \end{textblock*} 224 \begin{textblock*}{2cm}(7.5cm,5.9cm) % {block width} (coords) 225 {\includegraphics[width=\textwidth]{competitor-logos/samsungpay.jpeg}} 226 \end{textblock*} 227 \begin{textblock*}{1cm}(9.5cm,6.3cm) % {block width} (coords) 228 {\includegraphics[width=\textwidth]{competitor-logos/android_pay.png}} 229 \end{textblock*} 230 \vfill 231 \end{frame} 232 233 234 \begin{frame}{Predicting the Future} 235 \begin{itemize} 236 \item Google and Apple will be your bank and run your payment system 237 \item They can target advertising based on your purchase history, location and 238 your ability to pay 239 \item They will provide more usable, faster and broadly available 240 payment solutions; our federated banking system will be history 241 % just like SMTP is now Gmail. 242 \item After they dominate the payment sector, they will start to charge fees 243 befitting their oligopoly size 244 \item Competitors and vendors not aligning with their corporate ``values'' 245 will be excluded by policy and go bankrupt 246 \item The imperium will have another major tool for its financial warfare 247 \end{itemize} 248 \end{frame} 249 250 251 \begin{frame}{Plan B: Pay with cash} 252 Cash is: 253 \begin{itemize} 254 \item Privacy-friendly 255 \item Offline-capable 256 \item Inexpensive 257 \item Broadly accessible 258 \item Central bank liability 259 \end{itemize} 260 \end{frame} 261 262 263 \begin{frame}{Central Bank Digital Currency (CBDC)} 264 Over 80 central banks have started initiatives to introduce a CBDC: 265 266 \begin{itemize} 267 \item ECB: Report on a Digital Euro / Eurosystem report on the public consultation on a Digital Euro 268 \item Bank of England: Just initiated a task force 269 \end{itemize} 270 China is leading with the most widely deployed solution today. 271 \begin{center} 272 \includegraphics[width=0.8\textwidth]{cbdc-news.png} 273 \end{center} 274 So what are their plans? 275 \end{frame} 276 277 278 \begin{frame}{The Bank of International Settlements} 279 \begin{center} 280 \movie[%scale=0.6, 281 autostart, 282 poster] 283 { 284 \includegraphics[height=0.6\textwidth,width=0.8\textwidth]{white.png} 285 } 286 {bis-cbdc.mp4} 287 \end{center} 288 \end{frame} 289 290 291 \begin{frame} 292 \vfill 293 \begin{center} 294 {\bf But CFT is good! No more financial crime supporting terrorism!} 295 \end{center} 296 \vfill 297 \end{frame} 298 299 300 301 \begin{frame}{The Emergency Act of Canada\footnote{Speech by Premier Kenney, Alberta, February 2022}} 302 \begin{center} 303 \movie[%scale=0.6, 304 autostart, 305 poster] 306 { 307 \includegraphics[height=0.6\textwidth,width=0.8\textwidth]{ca.png} 308 } 309 {emergencyact.mp4} 310 311 {\tiny \url{https://www.youtube.com/watch?v=NehMAj492SA} (2'2022)} 312 \end{center} 313 \end{frame} 314 315 316 \begin{frame} 317 \vfill 318 \begin{center} 319 {\bf Offline-capability is core objective for many CBDC projects.} 320 \end{center} 321 \vfill 322 \begin{center} 323 {\bf This will mostly hurt cash availability.} 324 \end{center} 325 \vfill \pause 326 \begin{center} 327 {\bf Privacy is non-goal or not assured (see ECB\&China).} 328 \end{center} 329 \vfill 330 \begin{center} 331 $\Rightarrow$ {\bf Most CBDC projects will hurt democracy, not help.} 332 \end{center} 333 \vfill 334 \end{frame} 335 336 337 \section{Introduction to GNU Taler} 338 \begin{frame}{GNU Taler} 339 \vfill 340 \begin{center} 341 {\huge {\bf Digital} cash, made \textbf{socially responsible}.} 342 \end{center} 343 \vfill 344 \begin{center} 345 \includegraphics[width=0.5\textwidth]{taler-logo-2021-inkscape.pdf} 346 \end{center} 347 \vfill 348 \begin{center} 349 Privacy-Preserving, Practical, Taxable, Free Software, Efficient 350 \end{center} 351 \vfill 352 \vfill 353 \ % 354 \end{frame} 355 356 357 \begin{frame}{What is Taler?} 358 \framesubtitle{\url{https://taler.net/en/features.html}} 359 \noindent 360 Taler is 361 \vfill 362 \begin{itemize} 363 \item a Free/Libre software \emph{payment system} infrastructure project 364 \item ... with a surrounding software ecosystem 365 \item ... and a company (Taler Systems S.A.) and community that wants to deploy it 366 as widely as possible. 367 \end{itemize} 368 \vfill 369 \noindent 370 However, Taler is 371 \begin{itemize} 372 \item \emph{not} a currency 373 \item \emph{not} a long-term store of value 374 \item \emph{not} a network or instance of a system 375 \item \emph{not} decentralized 376 \item \emph{not} based on proof-of-work or proof-of-stake 377 \item \emph{not} a speculative asset / ``get-rich-quick scheme'' 378 \end{itemize} 379 \vfill 380 \end{frame} 381 382 383 \begin{frame}{Design goals for the GNU Taler Payment System} 384 GNU Taler must ... 385 \begin{enumerate} 386 \item {... be implemented as {\bf free software}.} 387 \item {... protect the {\bf privacy of buyers}.} 388 \item {... must enable the state to {\bf tax income} and crack down on 389 illegal business activities.} 390 \item {... prevent payment fraud.} 391 \item {... only {\bf disclose the minimal amount of information 392 necessary}.} 393 \item {... be usable.} 394 \item {... be efficient.} 395 \item {... avoid single points of failure.} 396 \item {... foster {\bf competition}.} 397 \end{enumerate} 398 \end{frame} 399 400 401 \begin{frame} 402 \frametitle{Taler Overview} 403 \begin{center} 404 \begin{tikzpicture} 405 \tikzstyle{def} = [node distance= 5em and 6.5em, inner sep=1em, outer sep=.3em]; 406 \node (origin) at (0,0) {}; 407 \node (exchange) [def,above=of origin,draw]{Exchange}; 408 \node (customer) [def, draw, below left=of origin] {Customer}; 409 \node (merchant) [def, draw, below right=of origin] {Merchant}; 410 \node (auditor) [def, draw, above right=of origin]{Auditor}; 411 412 \tikzstyle{C} = [color=black, line width=1pt] 413 414 \draw [<-, C] (customer) -- (exchange) node [midway, above, sloped] (TextNode) {withdraw coins}; 415 \draw [<-, C] (exchange) -- (merchant) node [midway, above, sloped] (TextNode) {deposit coins}; 416 \draw [<-, C] (merchant) -- (customer) node [midway, above, sloped] (TextNode) {spend coins}; 417 \draw [<-, C] (exchange) -- (auditor) node [midway, above, sloped] (TextNode) {verify}; 418 419 \end{tikzpicture} 420 \end{center} 421 \end{frame} 422 423 424 \begin{frame}{The Taler Software Ecosystem} 425 \framesubtitle{\url{https://taler.net/en/docs.html}} 426 Taler is based on modular components that work together to provide a 427 complete payment system: 428 \vfill 429 \begin{itemize} 430 \item {\bf Exchange:} Service provider for digital cash 431 \begin{itemize} 432 \item Core exchange software (cryptography, database) 433 \item Air-gapped key management, real-time {\bf auditing} 434 \item {\bf LibEuFin}: Modular integration with banking systems 435 \end{itemize} 436 \item {\bf Merchant:} Integration service for existing businesses 437 \begin{itemize} 438 \item Core merchant backend software (cryptography, database) 439 \item Back-office interface for staff 440 \item Frontend integration (E-commerce, Point-of-sale) 441 \end{itemize} 442 \item {\bf Wallet:} Consumer-controlled applications for e-cash 443 \begin{itemize} 444 \item Multi-platform wallet software (for browsers \& mobile phones) 445 \item Wallet backup storage providers 446 \item {\bf Anastasis}: Recovery of lost wallets based on secret splitting 447 \end{itemize} 448 \end{itemize} 449 \end{frame} 450 451 452 \begin{frame} 453 \frametitle{Architecture of Taler} 454 \begin{center} 455 \includegraphics[width=0.9\textwidth]{operations.png} 456 \end{center} 457 \end{frame} 458 459 460 461 \begin{frame}{Usability of Taler} 462 \vfill 463 \begin{center} 464 \url{https://demo.taler.net/} 465 \end{center} 466 \begin{enumerate} 467 \item Install Web extension. 468 \item Visit the {\tt bank.demo.taler.net} to withdraw coins. 469 \item Visit the {\tt shop.demo.taler.net} to spend coins. 470 \end{enumerate} 471 \vfill 472 \end{frame} 473 474 475 \begin{frame}[c]{Example: The Taler Snack Machine\footnote{By M. Boss and D. Hofer}} 476 \framesubtitle{Integration of a MDB/ICP to Taler gateway.\\Implementation of a NFC or QR-Code to Taler wallet interface.} 477 \vfill 478 \begin{figure} 479 \centering 480 \includegraphics[width=1.0\textwidth]{design} 481 \end{figure} 482 \end{frame} 483 484 485 486 \begin{frame} \frametitle{Performance} \framesubtitle{Legacy Payment Systems} 487 \centering 488 \begin{minipage}{0.32\textwidth} 489 \centering 490 \visible<1->{Bitcoin}\\\vspace{1em} 491 \only<1->{4 TPS}\\ 492 \visible<2->{ 493 \vspace{2em} 494 \includegraphics[width=0.2\linewidth]{performance}\hspace{1em} 495 \includegraphics[width=0.2\linewidth]{mining} 496 } 497 \end{minipage} 498 \begin{minipage}{0.32\textwidth} 499 \centering 500 \visible<3->{PayPal\\\vspace{1em}193 TPS}\\ 501 \visible<4->{ 502 \vspace{2em} 503 \includegraphics[width=0.2\linewidth]{privacy} 504 } 505 \end{minipage} 506 \begin{minipage}{0.32\textwidth} 507 \centering 508 \visible<5->{Visa\\\vspace{1em}1'667 TPS}\\ 509 \visible<6->{ 510 \vspace{2em} 511 \includegraphics[width=0.2\textwidth]{privacy} 512 } 513 \end{minipage} 514 \end{frame} 515 516 \begin{frame} \frametitle{Performance} \framesubtitle{CBDC Projects} 517 \centering 518 \begin{minipage}{0.32\textwidth} 519 \centering 520 \visible<1->{e-Krona (Sweden)\\\vspace{1em}100 TPS}\\ 521 \visible<2->{ 522 \vspace{2em} 523 \includegraphics[width=0.2\linewidth]{performance}\hspace{1em} 524 \includegraphics[width=0.2\linewidth]{privacy} 525 } 526 \end{minipage} 527 \begin{minipage}{0.32\textwidth} 528 \centering 529 \visible<3->{e-CNY (China)\\\vspace{1em}10'000 TPS}\\ 530 \visible<4->{ 531 \vspace{2em} 532 \includegraphics[width=0.2\linewidth]{privacy} 533 } 534 \end{minipage} 535 \begin{minipage}{0.32\textwidth} 536 \centering 537 \visible<5->{GNU Taler \\\vspace{1em}28'500 TPS}\\ 538 \visible<6->{ 539 \includegraphics[width=0.2\linewidth]{performance}\hspace{1em} 540 \vspace{2em} 541 } 542 \end{minipage} 543 \end{frame} 544 545 \note{ 546 \href{https://www.cleanpng.com/png-computer-icons-privacy-policy-personally-identifia-956152/}{Privacy} 547 \href{https://icon-library.com/png/116428.html}{Applicability} 548 \href{https://www.pinclipart.com/pindetail/ibToJmx_vector-performance-icon-clipart/}{Performance} 549 \href{https://www.clipartmax.com/middle/m2H7G6G6G6b1b1b1_icon-for-mining-clipart-mining-computer-icons-clip-miner-icon-png/}{Mining} 550 } 551 552 553 \begin{frame}{GNU Taler Capabilities} 554 Today: 555 \begin{itemize} 556 \item Free software 557 \item Gives change 558 \item Can provide refunds 559 \item Integrates nicely with HTTP 560 \item Handles network failures 561 \item High performance 562 \item Formal security proofs 563 \end{itemize} 564 Ongoing work for the next release: 565 \begin{itemize} 566 \item Wallet-to-wallet payments 567 \item Payments with zero-knowledge age verification 568 \item Internationalization $\Rightarrow$ \url{https://weblate.taler.net/} 569 \end{itemize} 570 \end{frame} 571 572 573 \begin{frame}{Visions} 574 \begin{itemize} 575 \item Be paid to read advertising, starting with spam 576 \item Give welfare without intermediaries taking huge cuts 577 \item Eliminate corruption by making all income visible 578 \item Forster regional trade via regional currencies 579 \item Stop the mining by making crypto-currencies useless for 580 anything but crime 581 \end{itemize} 582 \end{frame} 583 584 585 \begin{frame}{Many ideas for future work} 586 \begin{itemize} 587 \item Address remaining scalability challenges (get to 100'000 TPS) 588 \item Porting to more platforms (Web shops, iOS, embedded) 589 \item Integration of P2P payments (e-mail, SMS, twitter, Signal, etc.) 590 \item Implement currency conversion service 591 \item Improve design and usability for illiterate and innumerate users 592 \item Integration with KYC/AML providers 593 \item Federated exchange 594 \end{itemize} 595 \begin{center} 596 {\bf ... except not funded yet: \\ 597 EIC did not fund our ``IP-less'' FLOSS company.} 598 \end{center} 599 \end{frame} 600 601 602 \begin{frame}{CBDC Initiatives and Taler} 603 Taler can serve as the foundation for a \emph{bearer-based} \emph{retail} CBDC. 604 \begin{itemize} 605 \item Taler replicates physical cash rather than bank deposits 606 \item Taler has unique design principles and regulatory features that align with CBDC 607 requirements\footnote{Modulo those from central banks that want ``complete control''.} 608 \item ECB survey has identified privacy as a primary requirement of end users 609 \end{itemize} 610 But privacy is {\bf not} what any of them are implementing today! 611 \end{frame} 612 613 614 \begin{frame}{Taler: Unique Regulatory Features for CBDCs} 615 \framesubtitle{\url{https://www.snb.ch/en/mmr/papers/id/working_paper_2021_03}} 616 \begin{itemize} 617 \item Central bank issues digital coins equivalent to issuing cash \\ 618 $\Rightarrow$ monetary policy remains under CB control 619 \item Architecture with consumer accounts at commercial banks \\ 620 $\Rightarrow$ no competition for commercial banking (S\&L) \\ 621 $\Rightarrow$ CB does not have to manage KYC, customer support 622 \item Withdrawal limits and denomination expiration \\ 623 $\Rightarrow$ protects against bank runs and hoarding 624 \item Income transparency and possibility to set fees \\ 625 $\Rightarrow$ additional insights into economy and new policy options 626 \item Revocation protocols and loss limitations \\ 627 $\Rightarrow$ exit strategy and handles catastrophic security incidents 628 \item Privacy by cryptographic design not organizational compliance \\ 629 $\Rightarrow$ CB cannot be forced to facilitate mass-surveillance 630 \end{itemize} 631 \end{frame} 632 633 634 \begin{frame}{Requirements: Online vs. Offline CBDC} 635 \framesubtitle{\url{https://taler.net/papers/euro-bearer-online-2021.pdf}} 636 \begin{itemize} 637 \item Offline capabilities are often cited as a requirement for CBDC 638 \item All implementations must either use restrictive hardware elements and/or introduce 639 counterparty risk. 640 \item[$\Rightarrow$] Permanent offline features weaken a CBDC solution (privacy, security) 641 \item[$\Rightarrow$] Introduces unwarranted competition for physical cash (endangers emergency-preparedness). 642 \end{itemize} 643 We recommend a tiered approach: 644 \begin{enumerate} 645 \item Online-first, bearer-based CBDC 646 \item (Optional:) Limited offline mode for network outages 647 \item Physical cash for emergencies (power outage, catastrophic cyber incidents) 648 \end{enumerate} 649 \end{frame} 650 651 652 \begin{frame}{Switzerland?} 653 \begin{itemize} 654 \item SNB published paper on GNU Taler design: ``How to issue a CBDC''.\pause 655 \item SNB official line is: ``We do not need a CBDC for Switzerland'' (yet?).\pause 656 \item BoJ waits for ECB/US Fed to ``make first move''. Same for SNB?\pause 657 \end{itemize} 658 \begin{center} 659 {\bf Digitization is NOT something you just sit out.} 660 \end{center} 661 \hfill 662 \begin{center} 663 {\bf Early movers will set the standards.} 664 \end{center} 665 \hfill 666 \begin{center} 667 {\bf For now, that's the Chinese.} 668 \end{center} 669 \end{frame} 670 671 672 \begin{frame}{What's next?} 673 What Taler {\bf developer} community will try to do: 674 \begin{enumerate} 675 \item Work out kinks in the GNU Taler implementation. (Help and funding appreciated!) 676 \item Deploy GNU Taler in Switzerland or Lichtenstein as a commercial payment system. 677 \item Integrate GNU Taler wherever possible. (Help required!) 678 \end{enumerate} 679 What {\bf all} of you can do: 680 \begin{enumerate} 681 \item Spread the word. 682 \item Demand to use it, when available! 683 \end{enumerate} 684 \hfill 685 686 \pause 687 Or, simply wait for the Chinese present to be our future: 688 \hfill 689 \begin{center} 690 ``Citizens blocked from attending protest against freezing of their bank accounts 691 by Covid-apps turning red.'' --\url{https://shorturl.at/jvzAG} (CNN.com) 692 \end{center} 693 \end{frame} 694 695 696 \section{References} 697 \nocite{cbdc2021chaum} 698 \nocite{taler2016space} 699 \begin{frame}{References} 700 \bibliographystyle{plain} 701 \bibliography{extra} 702 \end{frame} 703 704 705 \end{document}