2025-money.tex (8507B)
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}{Rethinking Money Symposium} 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}{NGI TALER PILOT} 69 \framesubtitle{\url{https://taler.net/en/consortium.html}} 70 71 \begin{itemize} 72 \item EU Project started December 2023 to deploy GNU Taler 73 \item 3 financial institutions (GLS Bank, Magnet Bank, Visual Vest), 74 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) 75 \item $\approx$ \EUR 5M budget over 3 years 76 \item Objective: {\bf Deploy GNU Taler in Europe} 77 \end{itemize} 78 \end{frame} 79 80 81 \begin{frame}{Launch Timeline} 82 \begin{description} 83 \item[Q2'2022] Internal deployment at BFH 84 \item[Q4'2024] Deployment of local currency Netzbon in Basel 85 \item[Q2'2025] Public deployment of eCHF in Switzerland 86 \item[Q3'2025] GLS bank launches in Eurozone 87 \item[Q4'2025] Magnet bank launches in Hungary (?) 88 \end{description} 89 \end{frame} 90 91 92 \begin{frame}{Operators} 93 \begin{itemize} 94 \item \url{https://netzbon.ch/} is site of deployment in Basel ({\bf NETZBON}) 95 \item \url{https://exchange.e.netzbon-basel.ch/} hosts production REST API 96 \item \url{https://taler-ops.ch/} is site of Taler Operations AG, Biel ({\bf CHF}) 97 \item \url{https://exchange.taler-ops.ch/} hosts production REST API 98 \item \url{https://gls.de/taler/} main site for Taler at GLS Bank ({\bf EUR}) 99 \end{itemize} 100 \end{frame} 101 102 103 \begin{frame}{What software exists?} 104 \begin{itemize} 105 \item libeufin-nexus: PostFinance (EBICS) integration 106 \item libeufin-bank: regional currency bank 107 \item merchant backend: REST API with inventory and order management 108 \item payment plugins: Joomla!, Magento, WooCommerce 109 \item challenger: address (postal, sms, e-mail) validation (OAuth2 API) 110 \item exchange: Taler core system with AML/KYC processes for compliance 111 \item wallets: for Android, Chromium/Chrome, Firefox, iOS, ... 112 \end{itemize} 113 \begin{center} 114 Taler is licensed under LGPL (rarely), GPL (wallets) or AGPL (servers). 115 \end{center} 116 \end{frame} 117 118 119 \begin{frame}{What can you do today?} 120 \begin{itemize} 121 \item Add any Taler provider to your wallet 122 \item Withdraw digital cash via SEPA transfer 123 \item Deposit digital cash back into your bank account 124 \item Make P2P payments 125 \item Setup your own merchant / e-commerce site to receive payments 126 \item Setup your regional / event currency 127 \end{itemize} 128 \end{frame} 129 130 131 \begin{frame}{What software is the community working on?} 132 \begin{itemize} 133 \item Sync: backup service 134 \item GNU Anastasis: distributed zero-knowledge key backup 135 \item Mailbox: send payment messages to remote Taler wallets (instead of NFC/QR code) 136 \item TalDir: map e-mail address or phone number to Taler wallet Mailbox address 137 \item Donau: issue receipts for tax-deductable donations 138 \item Adorsys-OBG: automate withdrawal via PSD2 139 \item EKYC: Electronic KYC process for ID document uploading 140 \item cashless2ecash: pay with card to withdraw Taler e-cash 141 \item cash2ecash: pay with cash to withdraw Taler e-cash 142 \end{itemize} 143 \end{frame} 144 145 146 \begin{frame}{What might we do tomorrow?} 147 \begin{itemize} 148 \item Pay for online news, e-commerce, ... 149 \item Integrated subscriptions, discount tokens 150 \item Onboard large merchants (Galaxus, Migros, SBB, ...) 151 \item Programmable payments (auctions, escrow, ...) 152 \item M2M/IoT payments (no need for accounts, no 2-FA!) 153 \item Pay recipient for messaging/e-mail (no more spam!) 154 \item ... 155 \end{itemize} 156 \end{frame} 157 158 159 \begin{frame}{How to support?} 160 \begin{description} 161 \item[Join:] {\small \url{https://lists.gnu.org/mailman/listinfo/taler}} 162 \item[Learn:] \url{https://tutorials.taler.net/} 163 \item[Discuss:] \url{https://ich.taler.net/} 164 \item[Report:] \url{https://bugs.taler.net/}, 165 \item[Develop:] \url{https://git.taler.net/} 166 \item[Apply:] \url{https://nlnet.nl/taler} 167 \item[Translate:] \url{https://weblate.taler.net/}, \url{translation-volunteer@taler.net} 168 \item[Integrate:] \url{https://docs.taler.net/} 169 \end{description} 170 \end{frame} 171 172 173 \begin{frame} 174 \frametitle{Do you have any questions?} 175 \vfill 176 References: 177 {\tiny 178 \begin{enumerate} 179 \item{Özgür Kesim, Christian Grothoff, Florian Dold and Martin Schanzenbach. 180 {\em Zero-Knowledge Age Restriction for GNU Taler}. 181 {\bf 27th European Symposium on Research in Computer Security (ESORICS), 2022}.} 182 \item{David Chaum, Christian Grothoff and Thomas Moser. 183 {\em How to issue a central bank digital currency}. 184 {\bf SNB Working Papers, 2021}.} 185 \item{Christian Grothoff, Bart Polot and Carlo von Loesch. 186 {\em The Internet is broken: Idealistic Ideas for Building a GNU Network}. 187 {\bf W3C/IAB Workshop on Strengthening the Internet Against Pervasive Monitoring (STRINT)}, 2014.} 188 \item{Jeffrey Burdges, Florian Dold, Christian Grothoff and Marcello Stanisci. 189 {\em Enabling Secure Web Payments with GNU Taler}. 190 {\bf SPACE 2016}.} 191 \item{Florian Dold, Sree Harsha Totakura, Benedikt M\"uller, Jeffrey Burdges and Christian Grothoff. 192 {\em Taler: Taxable Anonymous Libre Electronic Reserves}. 193 Available upon request. 2016.} 194 \item{Eli Ben-Sasson, Alessandro Chiesa, Christina Garman, Matthew Green, Ian Miers, Eran Tromer and Madars Virza. 195 {\em Zerocash: Decentralized Anonymous Payments from Bitcoin}. 196 {\bf IEEE Symposium on Security \& Privacy, 2016}.} 197 \item{David Chaum, Amos Fiat and Moni Naor. 198 {\em Untraceable electronic cash}. 199 {\bf Proceedings on Advances in Cryptology, 1990}.} 200 \item{Phillip Rogaway. 201 {\em The Moral Character of Cryptographic Work}. 202 {\bf Asiacrypt}, 2015.} \label{bib:rogaway} 203 \end{enumerate} 204 } 205 \end{frame} 206 207 208 % This should be last... 209 \begin{frame}{Acknowledgements} 210 211 \begin{minipage}{0.45\textwidth} \ \\ 212 {\tiny Funded by the European Union (Project 101135475).} 213 214 \begin{center} 215 \includegraphics[width=0.5\textwidth]{../bandera.jpg} 216 \end{center} 217 \end{minipage} 218 \hfill 219 \begin{minipage}{0.45\textwidth} 220 {\tiny Funded by SERI (HEU-Projekt 101135475-TALER).} 221 222 \begin{center} 223 \includegraphics[width=0.65\textwidth]{../sbfi.jpg} 224 \end{center} 225 \end{minipage} 226 227 \vfill 228 229 {\tiny 230 231 Views and opinions expressed are however those of the author(s) only 232 and do not necessarily reflect those of the European Union. Neither the 233 European Union nor the granting authority can be held responsible for 234 them. 235 236 } 237 \end{frame} 238 239 \end{document}