2024-governments.tex (6917B)
1 \pdfminorversion=3 2 \documentclass[fleqn,xcolor={usenames,dvipsnames}]{beamer} 3 \usepackage{amsmath} 4 \usepackage{multimedia} 5 \usepackage[utf8]{inputenc} 6 \usepackage{framed,color,ragged2e} 7 \usepackage[absolute,overlay]{textpos} 8 \definecolor{shadecolor}{rgb}{0.8,0.8,0.8} 9 \usetheme{boxes} 10 \setbeamertemplate{navigation symbols}{} 11 \usepackage{xcolor} 12 \usepackage[normalem]{ulem} 13 \usepackage{listings} 14 \usepackage{adjustbox} 15 \usepackage{array} 16 \usepackage{bbding} 17 \usepackage{relsize} 18 \usepackage{graphicx} 19 \usepackage{tikz,eurosym,calc} 20 \usetikzlibrary{tikzmark} 21 \usetikzlibrary{shapes,arrows,arrows.meta} 22 \usetikzlibrary{positioning,fit,patterns} 23 \usetikzlibrary{calc} 24 \usepackage{multicol} 25 \usepackage{pgf-umlsd} 26 \usepackage{relsize} 27 %\usepackage{helvet} 28 \usepackage{calc} 29 \usepackage[utf8]{inputenc} % set your input encoding differently, if you want 30 \usepackage[english]{babel} 31 %\setbeameroption{show notes} 32 33 34 \def\checkmark{\tikz\fill[scale=0.4](0,.35) -- (.25,0) -- (1,.7) -- (.25,.15) -- cycle;} 35 36 %\setbeamertemplate{navigation symbols}{\url{taler.net}} 37 38 \title{GNU Taler \\ Payments for the Common Good} 39 \institute{The GNU Project} 40 41 \begin{document} 42 43 44 \begin{frame}{GNU Taler} 45 \vfill 46 \begin{center} 47 {\huge {\bf Digital} cash, made \textbf{socially responsible}.} 48 \end{center} 49 \vfill 50 \begin{center} 51 \includegraphics[scale=0.3]{taler-logo-2021-inkscape.pdf} 52 \end{center} 53 \vfill 54 \begin{center} 55 Privacy-Preserving, Practical, Taxable, Free Software, Efficient 56 \end{center} 57 \vfill 58 \vfill 59 \ % 60 \end{frame} 61 62 63 \begin{frame}{What is Taler?} 64 \framesubtitle{\url{https://taler.net/en/features.html}} \noindent 65 Taler is 66 \vfill 67 \begin{itemize} 68 \item a Free/Libre software \emph{payment system} infrastructure project 69 \item ... with a surrounding software ecosystem 70 \item ... and a company (Taler Systems S.A.) and community that wants to deploy it 71 as widely as possible. 72 \end{itemize} 73 \vfill 74 \noindent 75 However, Taler is 76 \begin{itemize} 77 \item \emph{not} a currency or speculative asset 78 \item \emph{not} a long-term store of value 79 \item \emph{not} a network or instance of a system 80 \item \emph{not} decentralized 81 \item \emph{not} based on proof-of-work or proof-of-stake 82 \end{itemize} 83 \end{frame} 84 85 86 \begin{frame}{Design principles} 87 \framesubtitle{https://taler.net/en/principles.html} 88 GNU Taler must ... 89 \begin{enumerate} 90 \item ... be implemented as {\bf free software}. 91 \item ... protect the {\bf privacy of buyers}. 92 \item ... enable the state to {\bf tax income} and crack down on illegal business activities. 93 \item ... prevent payment fraud. 94 \item ... only {\bf disclose the minimal amount of information necessary}. 95 \item ... be usable. 96 \item ... be efficient. 97 \item ... avoid single points of failure. 98 \item ... foster {\bf competition}. 99 \end{enumerate} 100 \end{frame} 101 102 103 \begin{frame} 104 \frametitle{Architecture of Taler} 105 \begin{center} 106 \includegraphics[width=1\textwidth]{operations.png} 107 \end{center} 108 \end{frame} 109 110 111 \begin{frame}{Consumer Impact of Taler} 112 \begin{itemize} 113 \item {\bf Convenient:} pay with one click instantly --– in Euro, 114 Dollar, Yen or Bitcoin 115 \item {\bf Friction-free security:} Payments do not require sign-up, 116 login or multi-factor authentication 117 \item {\bf Privacy-preserving:} payment requires/shares no personal information 118 \item {\bf Bank account:} not required 119 \end{itemize} 120 \end{frame} 121 122 123 124 \begin{frame}{Merchant Impact of Taler} 125 \begin{itemize} 126 \item {\bf Instant clearance:} one-click transactions and instant clearance at par 127 \item {\bf Easy \& compliant:} GDPR \& PCI-DSS compliance-free and without any effort 128 \item {\bf Major profit increase:} efficient protocol $+$ no fraud $=$ extremely low costs 129 \item {\bf 1-click checkout:} without Amazon and without false 130 positives in fraud detection 131 \end{itemize} 132 \end{frame} 133 134 135 \begin{frame}{Taler: Unique Regulatory Features for Central Banks} 136 \framesubtitle{\url{https://www.snb.ch/en/mmr/papers/id/working_paper_2021_03}} 137 \begin{itemize} 138 \item Central bank issues digital coins equivalent to issuing cash \\ 139 $\Rightarrow$ monetary policy remains under CB control 140 \item Architecture with consumer accounts at commercial banks \\ 141 $\Rightarrow$ no competition for commercial banking (S\&L) \\ 142 $\Rightarrow$ CB does not have to manage KYC, customer support 143 \item Withdrawal limits and denomination expiration \\ 144 $\Rightarrow$ protects against bank runs and hoarding 145 \item Income transparency and possibility to set fees \\ 146 $\Rightarrow$ additional insights into economy and new policy options 147 \item Revocation protocols and loss limitations \\ 148 $\Rightarrow$ exit strategy and handles catastrophic security incidents 149 \item Privacy by cryptographic design not organizational compliance \\ 150 $\Rightarrow$ CB cannot be forced to facilitate mass-surveillance 151 \end{itemize} 152 \end{frame} 153 154 155 \begin{frame}{Real-world use} 156 \vfill 157 \begin{center} 158 \includegraphics[width=1.0\textwidth]{taler-in-use.png} 159 \end{center} 160 \vfill 161 \end{frame} 162 163 \begin{frame}{Competitor comparison} 164 \begin{center} \small 165 \begin{tabular}{l||c|c|c|c|c} 166 & Cash & Bitcoin & Zerocoin & Creditcard & GNU Taler \\ \hline \hline 167 Online &$-$$-$$-$ & ++ & ++ & + & +++ \\ \hline 168 Offline & +++ & $-$$-$ & $-$$-$ & + & $+$$+$ \\ \hline 169 Trans. cost & + & $-$$-$$-$ & $-$$-$$-$ & $-$ & ++ \\ \hline 170 Speed & + & $-$$-$$-$ & $-$$-$$-$ & o & ++ \\ \hline 171 Taxation & $-$ & $-$$-$ & $-$$-$$-$ & +++ & +++ \\ \hline 172 Payer-anon & ++ & o & ++ & $-$$-$$-$ & +++ \\ \hline 173 Payee-anon & ++ & o & ++ & $-$$-$$-$ & $-$$-$$-$ \\ \hline 174 Security & $-$ & o & o & $-$$-$ & ++ \\ \hline 175 Conversion & +++ & $-$$-$$-$ & $-$$-$$-$ & +++ & +++ \\ \hline 176 Libre & $-$ & +++ & +++ & $-$ $-$ $-$& +++ \\ 177 \end{tabular} 178 \end{center} 179 \end{frame} 180 181 182 \begin{frame}{Launch Timeline} 183 \begin{description} 184 \item[Q2'2022] Internal deployment at BFH 185 % \item[Q1'2023] Deployment using Bitcoin at BFH (running, but not announced) 186 \item[Q3'2024] Deployment of local currency Netzbon in Basel 187 \item[Q4'2024] Public deployment of eCHF stablecoin in Switzerland, cleared by FINMA 188 \item[Q1'2025] GLS bank launches in Eurozone 189 \item[Q3'2025] Magnet bank launches in Hungary 190 \end{description} 191 \end{frame} 192 193 194 \begin{frame}{How to help?} 195 We are looking for ... 196 \begin{itemize} 197 \item Retail banking partners 198 \item Central bank partners 199 \item Merchants (Europe) 200 \item Integrators 201 \item Investors 202 \end{itemize} 203 \end{frame} 204 205 206 \end{document}