2025-fsf40.tex (9563B)
1 \documentclass[aspectratio=169,t]{beamer} 2 \input taler-macros 3 \usepackage{eurosym} 4 \usepackage[normalem]{ulem} 5 \newcommand{\TITLE}{NEXT \\ GENERATION \\ INTERNET} 6 \newcommand{\SUB}{The GNU Taler payment system} 7 \newcommand{\AUTHOR}{Christian Grothoff} 8 \newcommand{\SPEAKER}{Christian Grothoff} 9 \newcommand{\INST}{Bern University of Applied Sciences} 10 \newcommand{\DATE}{40 Years Free Software Foundation} 11 12 % Do not edit this part 13 \title{\TITLE} 14 \subtitle{\SUB} 15 \date{\DATE} 16 \author[\SPEAKER]{\AUTHOR} 17 \institute{\INST} 18 19 % 15 minutes 20 \begin{document} 21 22 \begin{frame}[plain] 23 \maketitle 24 \end{frame} 25 26 \begin{frame}{What is GNU Taler?} 27 \framesubtitle{\url{https://taler.net/en/features.html}} \noindent 28 Taler is 29 \vfill 30 \begin{itemize} 31 \item a Free/Libre software \emph{payment system} infrastructure project 32 \item ... with a surrounding software ecosystem 33 \item ... and a company (Taler Systems S.A.) and community that wants to deploy it 34 as widely as possible. 35 \end{itemize} 36 \vfill 37 \noindent 38 However, Taler is 39 \begin{itemize} 40 \item \emph{not} a currency or speculative asset 41 \item \emph{not} a long-term store of value 42 \item \emph{not} a network or instance of a system 43 \item \emph{not} decentralized 44 \item \emph{not} based on proof-of-work or proof-of-stake 45 \end{itemize} 46 \end{frame} 47 48 49 \begin{frame}{Design principles} 50 \framesubtitle{https://taler.net/en/principles.html} 51 GNU Taler must ... 52 \begin{enumerate} 53 \item {... be implemented as {\bf free software}.} 54 \item {... protect the {\bf privacy of buyers}.} 55 \item {... enable the state to {\bf tax income} and crack down on 56 illegal business activities.} 57 \item {... prevent payment fraud.} 58 \item {... only {\bf disclose the minimal amount of information 59 necessary}.} 60 \item {... be usable.} 61 \item {... be efficient.} 62 \item {... avoid single points of failure.} 63 \item {... foster {\bf competition}.} 64 \end{enumerate} 65 \end{frame} 66 67 68 \begin{frame}{Origins} 69 \begin{description} 70 \item[1996] Cryptography @ Wuppertal: Blind signatures for payment 71 \item[2001] Cryptography @ Purdue: GNUnet package started 72 \item[2007] GNU libmicrohttpd package started 73 \item[2009] DFG funds Free Software Network Security Group 74 \item[2011] Florian Dold joins Free Software Network Security Group 75 \item[2013] P2P Course @ TUM: Florian solves giving change, 76 first encounter with Leon Schumacher in Z\"urich 77 \item[2016] Taler Systems SA founded in Luxembourg 78 \item[2019] Florian defends PhD on the GNU Taler System 79 \item[2022] Programmable money: cash with age restrictions 80 \item[2023] Support for payments to offline merchants 81 \item[2024] Donations, subscriptions and discount token design 82 \item[2025] Post-quantum design of change protocol by TU/e \& AS 83 \end{description} 84 \end{frame} 85 86 87 \begin{frame}{Present: NGI TALER PILOT} 88 \framesubtitle{\url{https://taler.net/en/consortium.html}} 89 90 \begin{itemize} 91 \item EU Project started December 2023 to deploy GNU Taler 92 \item 3 financial institutions (GLS Bank, Magnet Bank, Visual Vest), 93 2 academic institutions (Berner FH, TU Eindhoven), 3 SMEs (Taler Systems SA, Code Blau GmbH, Petit Singularites), 3 non-profits (NLnet Foundation, E-Seniors Association, Homo Digitalis) 94 \item $\approx$ \EUR 5M budget over 3 years 95 \item Objective: {\bf Deploy GNU Taler in Europe} 96 \end{itemize} 97 \end{frame} 98 99 100 \begin{frame}{Launch Timeline} 101 \begin{description} 102 \item[Q2'2022] Internal deployment at BFH 103 \item[Q3'2024] Deployment of local currency Netzbon in Basel 104 \item[Q2'2025] Public deployment of eCHF stablecoin in Switzerland, cleared by FINMA 105 \item[Q3'2025] GLS bank launches in Eurozone 106 \item[Q4'2025] Magnet bank launches in Hungary (?) 107 \end{description} 108 \end{frame} 109 110 111 \begin{frame}{Operators} 112 \begin{itemize} 113 \item \url{https://netzbon.ch/} is site of deployment in Basel ({\bf NETZBON}) 114 \item \url{https://exchange.e.netzbon-basel.ch/} hosts production REST API 115 \item \url{https://taler-ops.ch/} is site of Taler Operations AG, Biel ({\bf CHF}) 116 \item \url{https://exchange.taler-ops.ch/} hosts production REST API 117 \item \url{https://gls.de/taler/} main site for Taler at GLS Bank ({\bf EUR}) 118 \end{itemize} 119 \end{frame} 120 121 122 \begin{frame}{What software exists?} 123 \begin{itemize} 124 \item libeufin-nexus: PostFinance (EBICS) integration 125 \item libeufin-bank: regional currency bank 126 \item merchant backend: REST API with inventory and order management 127 \item payment plugins: Joomla!, Magento, WooCommerce 128 \item challenger: address (postal, sms, e-mail) validation (OAuth2 API) 129 \item exchange: Taler core system with AML/KYC processes for compliance 130 \item wallets: for Android, Chromium/Chrome, Firefox, iOS -- and command-line 131 \end{itemize} 132 \begin{center} 133 Taler is licensed under LGPL (rarely), GPL (wallets) or AGPL (servers). 134 \end{center} 135 \end{frame} 136 137 138 \begin{frame}{What can you do today?} 139 \begin{itemize} 140 \item Add any Taler provider to your wallet 141 \item Withdraw digital cash via SEPA transfer 142 \item Deposit digital cash back into your bank account 143 \item Make P2P payments 144 \item Setup your own merchant / e-commerce site to receive payments 145 \item Setup your regional / event currency $\Rightarrow$ workshop! 146 \end{itemize} 147 \end{frame} 148 149 150 \begin{frame}{What software is the community working on?} 151 \begin{itemize} 152 \item Sync: backup service 153 \item GNU Anastasis: distributed zero-knowledge key backup 154 \item Mailbox: send payment messages to remote Taler wallets (instead of NFC/QR code) 155 \item TalDir: map e-mail address or phone number to Taler wallet Mailbox address 156 \item Donau: issue receipts for tax-deductable donations 157 \item Adorsys-OBG: automate withdrawal via PSD2 158 \item EKYC: Electronic KYC process for ID document uploading 159 \item cashless2ecash: pay with card to withdraw Taler e-cash 160 \item cash2ecash: pay with cash to withdraw Taler e-cash 161 \end{itemize} 162 \end{frame} 163 164 165 \begin{frame}{What might we do tomorrow?} 166 \begin{itemize} 167 \item Pay for online news, e-commerce, ... 168 \item Integrated subscriptions, discount tokens 169 \item Onboard large merchants (Galaxus, Migros, SBB, ...) 170 \item Programmable payments (auctions, escrow, ...) 171 \item M2M/IoT payments (no need for accounts, no 2-FA!) 172 \item Pay recipient for messaging/e-mail (no more spam!) \pause 173 \item ... 174 \end{itemize} 175 \begin{center} 176 \url{https://nlnet.nl/propose} 177 \end{center} 178 \end{frame} 179 180 181 \begin{frame}{How to support?} 182 \begin{description} 183 \item[Join:] {\small \url{https://lists.gnu.org/mailman/listinfo/taler}} 184 \item[Learn:] \url{https://tutorials.taler.net/} 185 \item[Discuss:] \url{https://ich.taler.net/} 186 \item[Report:] \url{https://bugs.taler.net/}, 187 \item[Develop:] \url{https://git.taler.net/} 188 \item[Apply:] \url{https://nlnet.nl/taler} 189 \item[Translate:] \url{https://weblate.taler.net/}, \url{translation-volunteer@taler.net} 190 \item[Integrate:] \url{https://docs.taler.net/} 191 \end{description} 192 \end{frame} 193 194 195 \begin{frame} 196 \frametitle{Do you have any questions?} 197 \vfill 198 References: 199 {\tiny 200 \begin{enumerate} 201 \item{Özgür Kesim, Christian Grothoff, Florian Dold and Martin Schanzenbach. 202 {\em Zero-Knowledge Age Restriction for GNU Taler}. 203 {\bf 27th European Symposium on Research in Computer Security (ESORICS), 2022}.} 204 \item{David Chaum, Christian Grothoff and Thomas Moser. 205 {\em How to issue a central bank digital currency}. 206 {\bf SNB Working Papers, 2021}.} 207 \item{Christian Grothoff, Bart Polot and Carlo von Loesch. 208 {\em The Internet is broken: Idealistic Ideas for Building a GNU Network}. 209 {\bf W3C/IAB Workshop on Strengthening the Internet Against Pervasive Monitoring (STRINT)}, 2014.} 210 \item{Jeffrey Burdges, Florian Dold, Christian Grothoff and Marcello Stanisci. 211 {\em Enabling Secure Web Payments with GNU Taler}. 212 {\bf SPACE 2016}.} 213 \item{Florian Dold, Sree Harsha Totakura, Benedikt M\"uller, Jeffrey Burdges and Christian Grothoff. 214 {\em Taler: Taxable Anonymous Libre Electronic Reserves}. 215 Available upon request. 2016.} 216 \item{Eli Ben-Sasson, Alessandro Chiesa, Christina Garman, Matthew Green, Ian Miers, Eran Tromer and Madars Virza. 217 {\em Zerocash: Decentralized Anonymous Payments from Bitcoin}. 218 {\bf IEEE Symposium on Security \& Privacy, 2016}.} 219 \item{David Chaum, Amos Fiat and Moni Naor. 220 {\em Untraceable electronic cash}. 221 {\bf Proceedings on Advances in Cryptology, 1990}.} 222 \item{Phillip Rogaway. 223 {\em The Moral Character of Cryptographic Work}. 224 {\bf Asiacrypt}, 2015.} \label{bib:rogaway} 225 \end{enumerate} 226 } 227 \end{frame} 228 229 230 % This should be last... 231 \begin{frame}{Acknowledgements} 232 233 \begin{minipage}{0.45\textwidth} \ \\ 234 {\tiny Funded by the European Union (Project 101135475).} 235 236 \begin{center} 237 \includegraphics[width=0.5\textwidth]{../bandera.jpg} 238 \end{center} 239 \end{minipage} 240 \hfill 241 \begin{minipage}{0.45\textwidth} 242 {\tiny Funded by SERI (HEU-Projekt 101135475-TALER).} 243 244 \begin{center} 245 \includegraphics[width=0.65\textwidth]{../sbfi.jpg} 246 \end{center} 247 \end{minipage} 248 249 \vfill 250 251 {\tiny 252 253 Views and opinions expressed are however those of the author(s) only 254 and do not necessarily reflect those of the European Union. Neither the 255 European Union nor the granting authority can be held responsible for 256 them. 257 258 } 259 \end{frame} 260 261 \end{document}