taler-docs

taler-exchange-manual.rst (71929B)

---

 ..
   This file is part of GNU TALER.
 
   Copyright (C) 2014-2024 Taler Systems SA
 
   TALER is free software; you can redistribute it and/or modify it under the
   terms of the GNU Affero General Public License as published by the Free Software
   Foundation; either version 2.1, or (at your option) any later version.
 
   TALER is distributed in the hope that it will be useful, but WITHOUT ANY
   WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR
   A PARTICULAR PURPOSE.  See the GNU Affero General Public License for more details.
 
   You should have received a copy of the GNU Affero General Public License along with
   TALER; see the file COPYING.  If not, see <http://www.gnu.org/licenses/>
 
   @author Christian Grothoff
   @author Florian Dold
 
 Exchange Operator Manual
 ########################
 
 .. contents:: Table of Contents
   :depth: 1
   :local:
 
 
 Introduction
 ============
 
 About GNU Taler
 ---------------
 
 .. include:: frags/about-taler.rst
 
 
 About this manual
 -----------------
 
 This manual targets system administrators who want to install and
 operate a GNU Taler exchange.
 
 
 Organizational prerequisites
 ----------------------------
 
 Operating a GNU Taler exchange means that you are operating a payment service
 provider, which means that you will most likely need a bank license and/or
 follow applicable financial regulation. The :ref:`Exchange KYC/AML Operator
 Manual <KycOperatorManual>` goes into depth for how an exchange can be
 configured for compliance.  Exceptions to compliance rules may apply,
 especially if you are operating a regional currency or a payment system for an
 event with a closed user group.  If in doubt, please contact a competent
 lawyer in your country about the legality of operating a GNU Taler exchange.
 
 GNU Taler payment service providers generally need to ensure high availability
 and should have *really* good backups (synchronous replication, asynchronous
 remote replication, off-site backup, 24/7 monitoring, etc.).  This manual will
 not cover these aspects of operating a payment service provider.
 
 We will assume that you can operate a (sufficiently high-availability,
 high-assurance) PostgreSQL database. Furthermore, we expect some moderate
 familiarity with the compilation and installation of free software
 packages. You need to understand the cryptographic concepts of private and
 public keys and must be able to protect private keys stored in files on disk.
 
 .. include:: frags/db-stores-sensitive-data.rst
 
 
 Architecture overview
 ---------------------
 
 GNU Taler is a pure payment system, not a crypto-currency. As such, it
 operates in a traditional banking context. In particular, this means that
 payments can be executed in ordinary currencies such as USD or EUR.
 Furthermore, a typical merchant in Taler has a regular bank account, and would
 use it to receive funds via Taler.
 
 Consequently, a typical Taler exchange must interact with a bank. The bank of
 the exchange holds funds in an account where the balance is basically
 equivalent to the value of all coins in circulation. (Small mismatches arise
 whenever customers are about to withdraw coins and have already send the funds
 into the bank account, or if merchants just deposited coins and are about to
 receive wire transfers for deposited coins, or due to fees charged by the
 exchange and the operator not yet having drained the fees from the account.)
 
 The exchange uses an intermediary system to talk to its bank.  This shifts the
 technical burden (XML-based communications, additional cryptography, and a
 vast variety of standards) for this interaction into another bank-specific
 subsystem.  Such intermediary system abstracts the native banking protocol by
 exposing the *Taler Wire Gateway API*; this way, the exchange can conduct its
 banking operations in a simplified and JSON-based style.
 
 When customers wire money to the exchange's bank account, the Taler Wire
 Gateway API must notify the exchange about the incoming wire transfers. The
 exchange then creates a *reserve* based on the subject of the wire
 transfer. The wallet which knows the secret key matching the wire transfer
 subject can then withdraw coins from the reserve, thereby draining it. The
 liability of the exchange against the reserve is thereby converted into a
 liability against digital coins issued by the exchange. When the customer
 later spends the coins at a merchant, and the merchant *deposits* the coins at
 the exchange, the exchange first *aggregates* the amount from multiple
 deposits from the same merchant and then instructs its bank to make a wire
 transfer to the merchant, thereby fulfilling its obligation and eliminating
 the liability. The exchange charges *fees* for some or all of its operations
 to cover costs and possibly make a profit.
 
 *Auditors* are third parties, for example financial regulators, that verify
 that the exchange operates correctly. The same software is also used to
 calculate the exchange’s profits, risk and liabilities by the accountants of
 the exchange.
 
 The Taler software stack for an exchange consists of the following
 components:
 
 -  **HTTP frontend**:
    The HTTP frontend interacts with Taler wallets and merchant backends.
    It is used to withdraw coins, deposit coins, refresh coins, issue
    refunds, map wire transfers to Taler transactions, inquire about the
    exchange’s bank account details, signing keys and fee structure. The
    binary is the ``taler-exchange-httpd``.
 
 -  **Crypto-Helpers**:
    The ``taler-exchange-secmod-rsa``, ``taler-exchange-secmod-cs`` and
    ``taler-exchange-secmod-eddsa``
    are three programs that are responsible for managing the exchange's
    online signing keys. They must run on the same machine as the
    ``taler-exchange-httpd`` as the HTTP frontend communicates with the
    crypto helpers using UNIX Domain Sockets.
 
 -  **Aggregator**:
    The aggregator combines multiple deposits made by the same merchant
    and (eventually) triggers wire transfers for the aggregate amount.
    The merchant can control how quickly wire transfers are made. The
    exchange may charge a fee per wire transfer to discourage
    excessively frequent transfers. The binary is the
    ``taler-exchange-aggregator``.
 
 -  **Closer**:
    The ``taler-exchange-closer`` tool check that reserves are properly
    closed. If a customer wires funds to an exchange and then fails
    to withdraw them, the closer will (eventually) trigger a wire
    transfer that sends the customer's funds back to the originating
    wire account.
 
 -  **Transfer**:
    The ``taler-exchange-transfer`` tool is responsible for actually
    executing the aggregated wire transfers. It is the only process
    that needs to have the credentials to execute outgoing wire
    transfers.  The tool uses the Taler Wire Gateway API to execute
    wire transfers.  This API is provided by the Taler Python Bank
    for stand-alone deployments (like those with ``KUDOS``) and
    by LibEuFin.  LibEuFin is an adapter which maps the Taler Wire
    REST API to traditional banking protocols like EBICS and FinTS.
 
 -  **Wirewatch**:
    The ``taler-exchange-wirewatch`` tool is responsible for observing
    incoming wire transfers to the exchange. It needs to have the
    credentials to obtain a list of incoming wire transfers.
    The tool also uses the Taler Wire Gateway API to observe such
    incoming transfers.  It is possible that observing incoming and
    making outgoing wire transfers is done via different bank accounts
    and/or credentials.
 
 -  **Wire adapter**:
    A wire adapter is a component that enables exchange to talk to a bank.
    Each wire adapter must implement the Taler Wire Gateway API.  Three
    wire adapters are currently provided:
 
    (1) The **libtalerfakebank** implements a bank with a wire adapter API
        inside of a testcase.  ``taler-fakebank-run`` is a stand-alone
        process using libtalerfakebank.  Note that this adapter is only
        useful for tests, as all transaction data is kept in memory.
        The binary is packaged in the ``libtalerexchange-dev`` package
        on Debian/Ubuntu and possibly other platforms as it is not intended
        for production.
    (2) For production, **libeufin**'s ``libeufin-nexus`` component
        implements a wire adapter towards the traditional SEPA banking
        system with IBAN accounts using the EBICS protocol.
    (3) For production, **talet-magnet-bank** component
        implements a wire adapter towards the Magnet Bank API.
    (4) To use GNU Taler with blockchains, the **Depolymerization**
        component provides a wire gateway API that runs on top of
        blockchains like Bitcoin and Ethereum.
 
    The client-side wire adapter API is implemented in **libtalerbank** and
    is used by ``taler-exchange-transfer`` to execute wire transfers and by
    ``taler-exchange-wirewatch`` and the Taler auditor auditor to query bank
    transaction histories.
 
 -  **DBMS**:
    The exchange requires a DBMS to stores the transaction history for
    the Taler exchange and aggregator, and a (typically separate) DBMS
    for the Taler auditor. For now, the GNU Taler reference implementation
    only supports PostgreSQL, but the code could be easily extended to
    support another DBMS.
    .. index:: PostgreSQL
 
 -  **Auditor**:
    The auditor verifies that the transactions performed by the exchange
    were done properly. It checks the various signatures, totals up the
    amounts and alerts the operator to any inconsistencies. It also
    computes the expected bank balance, revenue and risk exposure of the
    exchange operator. The main binary is the ``taler-auditor``.
    Aside from the key setup procedures, the most critical setup for
    deploying an auditor is providing the auditor with an up-to-date
    copy of the exchange's database.
 
 
 .. _KeyTypes:
 
 Key Types
 ---------
 
 The exchange works with four types of keys:
 
 -  master key (kept offline, configured manually at merchants and wallets)
 
 -  online message signing keys (signs normal messages from the exchange)
 
 -  denomination keys (signs digital coins)
 
 -  security module keys (signs online message signing keys and denomination keys)
 
 Additionally, the exchange is sometimes concerned with the auditor's public
 key (to verify messages signed by auditors approved by the exchange operator)
 and the merchant's public key (to verify refunds are authorized by the
 merchant).
 
 Most of the keys are managed fully automatically or configured as part of the
 denomination configuration.  Some configuration settings must be manually
 set with regards to the exchange's master key.
 
 
 Offline keys
 ------------
 
 The exchange (and ideally also its auditor(s)) uses a long-term offline master
 siging key that identifies the operator and is used to authenticate critical
 information, such as the exchange's bank account and the actual keys the
 exchange uses online.
 
 Interactions with the offline system are performed using the
 ``taler-exchange-offline`` tool.  To use the offline system will require
 exchange operators to copy JSON files from or to the offline system (say using
 an USB stick).  The offline system does not need any significant amount of
 computing power, a Raspberry-Pi is perfectly sufficient and the form-factor
 might be good for safe-keeping! (You should keep a copy of the (encrypted)
 private offline key on more than one physical medium though.)
 
 Exchange operators are strongly advised to secure their private master key and
 any copies on encrypted, always-offline computers. Again, this manual assumes
 that you are familiar with good best practices in operational security,
 including securing key material.
 
 
 Online signing key security
 ---------------------------
 
 To provide an additional level of protection for the private *online* signing
 keys used by the exchange, the actual cryptographic signing operations are
 performed by three helper processes, ``taler-exchange-secmod-rsa``,
 ``taler-exchange-secmod-cs`` and ``taler-exchange-secmod-eddsa``.
 
 The current implementation does not yet support the use of a hardware security
 module (HSM).  If you have such a device with adequate functionality and are
 interested in Taler supporting it, please contact the developers for HSM
 integration support.
 
 
 Functionality
 ^^^^^^^^^^^^^
 
 The UNIX domain sockets of the *secmod* helpers have mode 0620 (u+rw, g+w).
 The exchange process MUST thus be in the same group as the crypto helper
 processes to enable access to the keys. No other users should be in that
 group!
 
 The two helper processes will create the required private keys, and allow
 anyone with access to the UNIX domain socket to sign arbitrary messages with
 the keys or to inform them about a key being revoked.  The helper processes
 are also responsible for deleting the private keys if their validity period
 expires or if they are informed about a key having been revoked.
 
 
 Security goals
 ^^^^^^^^^^^^^^
 
 From a security point of view, the helpers are designed to *only* make it
 harder for an attacker who took control of the HTTP daemon's account to
 extract the private keys, limiting the attackers ability to creating
 signatures to the duration of their control of that account.
 
 .. note::
    In the future, the helper processes should additionally provide a mechanism
    to track the total number of signatures they have made for the various keys.
 
 Setup
 ^^^^^
 
 The helper processes should be run under a user ID that is separate from that
 of the user running the main ``taler-exchange-httpd`` service.  To get any
 security benefit from this, it is important that helpers run under a different
 user ID than the main HTTP frontend. In fact, ideally, each helper should run
 under its own user ID.  The ``taler-exchange-httpd`` service's will securely
 communicate with the helpers using UNIX domain sockets.
 
 Configuration
 ^^^^^^^^^^^^^
 
 The helpers and the exchange HTTP service need both access to the same
 configuration information.  Having divergent configurations may result in
 run-time failures.  It is recommended that the configuration file (``-c``
 option) is simply shared between all of the different processes, even though
 they run as different system users. The configuration does not contain any
 sensitive information.
 
 
 .. _ExchangeInstallation:
 
 Installation
 ============
 
 Before installing a Taler exchange, please make sure that your system does not
 have swap space enabled.  Swap space is a security risk that Taler does not
 try to mitigate against.
 
 We recommend the setup of offline signing keys to be done on a second machine that
 does not have Internet access.
 
 In this guide's shell-session fragments, the command prompt shows two pieces
 of information:
 
 * Who is performing the command
   (``$user`` vs ``root``, and ending character ``$`` vs ``#``).
 * Host where the command is supposed to be executed
   (``exchange-offline`` vs ``exchange-online``).
   It is possible to do the entire setup on one machine,
   but we do not recommend this for security reasons.
 
 Before you start
 ----------------
 
 To deploy this with a real bank, you need:
 
   * IBAN of the bank account to use
   * BIC of the bank
   * EBICS host, user and partner IDs
 
 Information to write down during the installation:
 
   * LibEuFin Nexus superuser password
   * Taler facade base URL
   * exchange Nexus username and password
 
 
 
 Installing from source
 ----------------------
 
 The following instructions will show how to install libgnunetutil and
 the GNU Taler exchange from source.
 
 The package sources can be find in our
 `download directory <http://ftpmirror.gnu.org/taler/>`__.
 
 .. include:: frags/semver.rst
 
 First, the following packages need to be installed before we can compile the
 backend:
 
 .. include:: frags/list-of-dependencies.rst
 
 .. include:: frags/installing-gnunet.rst
 
 .. include:: frags/install-before-check.rst
 
 There is no need to actually run a GNUnet peer to use the Taler merchant
 backend -- all the merchant needs from GNUnet is a number of headers and
 libraries!
 
 .. include:: frags/installing-taler-exchange.rst
 
 .. include:: frags/install-before-check.rst
 
 
 
 Installing the GNU Taler binary packages on Debian
 --------------------------------------------------
 
 .. include:: frags/installing-debian.rst
 
 To install the Taler exchange, you can now simply run:
 
 .. code-block:: shell-session
 
    [root@exchange-online]# apt install taler-exchange
 
 Note that the package does not perform any configuration work except for
 setting up the various users and the systemd service scripts. You still must
 configure at least the database, HTTP reverse proxy (typically with TLS
 certificates), denomination and fee structure, bank account, auditor(s),
 offline signing and the terms of service.
 
 On the offline system, you should run at least:
 
 .. code-block:: shell-session
 
    [root@exchange-offline]# apt install taler-exchange-offline
 
 
 Installing the GNU Taler binary packages on Trisquel
 ----------------------------------------------------
 
 .. include:: frags/installing-trisquel.rst
 
 Installing the GNU Taler binary packages on Ubuntu
 --------------------------------------------------
 
 .. include:: frags/installing-ubuntu.rst
 
 To install the Taler exchange, you can now simply run:
 
 .. code-block:: shell-session
 
    [root@exchange-online]# apt install taler-exchange
 
 Note that the package does not perform any configuration work except for
 setting up the various users and the systemd service scripts. You still must
 configure at least the database, HTTP reverse proxy (typically with TLS
 certificates), denomination and fee structure, bank account, auditor(s),
 offline signing and the terms of service.
 
 On the offline system, you should run at least:
 
 .. code-block:: shell-session
 
    [root@exchange-offline]# apt install taler-exchange-offline
 
 
 Services, users, groups and file system hierarchy
 -------------------------------------------------
 
 The *taler-exchange* package will create several system users
 to compartmentalize different parts of the system:
 
 * ``taler-exchange-httpd``: runs the HTTP daemon with the core business logic.
 * ``taler-exchange-secmod-rsa``: manages the RSA private online signing keys.
 * ``taler-exchange-secmod-cs``: manages the CS private online signing keys.
 * ``taler-exchange-secmod-eddsa``: manages the EdDSA private online signing keys.
 * ``taler-exchange-closer``: closes idle reserves by triggering wire transfers that refund the originator.
 * ``taler-exchange-aggregator``: aggregates deposits into larger wire transfer requests.
 * ``taler-exchange-transfer``: performs wire transfers with the bank (via LibEuFin/Nexus).
 * ``taler-exchange-wirewatch``: checks for incoming wire transfers with the bank (via LibEuFin/Nexus).
 * ``postgres``: runs the PostgreSQL database (from *postgresql* package).
 * ``www-data``: runs the frontend HTTPS service with the TLS keys (from *nginx* package).
 
 .. note::
 
    The *taler-merchant* package additionally creates a ``taler-merchant-httpd`` user
    to run the HTTP daemon with the merchant business logic.
 
 
 The exchange setup uses the following system groups:
 
 * ``taler-exchange-db``: group for all Taler users with direct database access, specifically taler-exchange-httpd, taler-exchange-wirewatch, taler-exchange-closer and taler-exchange-aggregator.
 * ``taler-exchange-secmod``: group for processes with access to online signing keys; this group must have four users: taler-exchange-secmod-rsa, taler-exchange-secmod-cs, taler-exchange-secmod-eddsa and taler-exchange-httpd.
 * ``taler-exchange-offline``: group for the access to the offline private key (only used on the offline host and not used on the online system).
 
 
 The package will deploy systemd service files in
 ``/usr/lib/systemd/system/`` for the various components:
 
 * ``taler-exchange-aggregator.service``: service that schedules wire transfers
   which combine multiple deposits to the same merchant.
 * ``taler-exchange-closer.service``: service that watches for reserves that have been abandoned and schedules wire transfers to send the money back to the originator.
 * ``taler-exchange-httpd.service``: main Taler exchange logic with the public REST API.
 * ``taler-exchange-httpd.socket``: systemd socket activation for the Taler exchange HTTP daemon.
 * ``taler-exchange-secmod-eddsa.service``: software security module for making EdDSA signatures.
 * ``taler-exchange-secmod-rsa.service``: software security module for making RSA signatures.
 * ``taler-exchange-secmod-cs.service``: software security module for making CS signatures.
 * ``taler-exchange-transfer.service``: service that triggers outgoing wire transfers (pays merchants).
 * ``taler-exchange-wirewatch.service``: service that watches for incoming wire transfers (first step of withdraw).
 * ``taler-exchange.target``: Main target for the Taler exchange to be operational.
 
 
 The deployment creates the following key locations in the system:
 
 * ``/etc/taler-exchange/``: configuration files.
 * ``/run/taler-exchange/``: contains the UNIX domain sockets for inter-process communication (IPC).
 * ``/var/lib/taler-exchange/``: serves as the $HOME for all Taler exchange users and contains sub-directories
   with the private keys; which keys are stored here depends on the host:
 
   * online system: exchange-secmod-eddsa, exchange-secmod-cs and exchange-secmod-rsa keys.
   * offline system: exchange-offline keys.
 
 
 Configuration Fundamentals
 ==========================
 
 This chapter provides fundamental details about the exchange configuration.
 
 The configuration for all Taler components uses a single configuration file
 as entry point: ``/etc/taler-exchange/taler-exchange.conf``.
 
 System defaults are automatically loaded from files in
 ``/usr/share/taler-exchange/config.d``.
 These default files should never be modified.
 
 The default configuration ``taler-exchange.conf`` configuration file
 also includes all configuration files in ``/etc/taler-exchange/conf.d``.
 The settings from files in
 ``conf.d`` are only relevant to particular components of an exchange, while
 ``taler-exchange.conf`` contains settings that affect all exchange components.
 
 
 The directory ``/etc/taler-exchange/secrets`` contains configuration file snippets with
 values that should only be readable to certain users.  They are included with the ``@inline-secret@``
 directive and should end with ``.secret.conf``.
 
 To view the entire configuration annotated with the source of each configuration option, you
 can use the ``taler-exchange-config`` helper:
 
 
 .. code-block:: shell-session
 
   [root@exchange-online]# taler-exchange-config --diagnostics
   < ... annotated, full configuration ... >
 
 .. warning::
 
   While ``taler-exchange-config`` also supports rewriting configuration files, we strongly
   recommend to edit configuration files manually, as ``taler-exchange-config`` does not
   preserve comments and, by default, rewrites ``/etc/taler-exchange/taler-exchange.conf``.
 
 
 .. include:: frags/configuration-format.rst
 
 
 Exchange Database Setup
 =======================
 
 The access credentials for the exchange's database are configured in
 ``/etc/taler-exchange/secrets/exchange-db.secret.conf``.
 Currently, only PostgreSQL is supported as a database backend.
 
 The following users must have access to the exchange database:
 
 * taler-exchange-httpd
 * taler-exchange-wire
 * taler-exchange-aggregator
 * taler-exchange-closer
 
 These users are all in the taler-exchange-db group, and the
 ``exchange-db.secret.conf`` should be only readable by users in
 this group.
 
 .. note::
 
    The **taler-exchange-dbconfig** tool can be used to automate the database
    setup. When using the Debian/Ubuntu packages, the users should already have
    been created, so you can just run the tool without any arguments and should
    have a working database configuration. The rest of this section only
    explains what the **taler-exchange-dbconfig** shell script fully automates.
 
 To create a database for the Taler exchange on the local system, run:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# su - postgres
   [postgres@exchange-online]# createuser taler-exchange-httpd
   [postgres@exchange-online]# createuser taler-exchange-wire
   [postgres@exchange-online]# createuser taler-exchange-aggregator
   [postgres@exchange-online]# createuser taler-exchange-closer
   [postgres@exchange-online]# createdb -O taler-exchange-httpd taler-exchange
   [postgres@exchange-online]# exit
 
 This will create a ``taler-exchange`` database owned by the
 ``taler-exchange-httpd`` user.  We will use that user later to perform
 database maintenance operations.
 
 
 Assuming the above database setup, the database credentials to configure
 in the configuration file would simply be:
 
 .. code-block:: ini
   :caption: /etc/taler-exchange/secrets/exchange-db.secret.conf
 
   [exchange]
   DB = postgres
 
   [exchangedb-postgres]
   CONFIG=postgres:///taler-exchange
 
 
 If the database is run on a different host, please follow the instructions
 from the PostgreSQL manual for configuring remote access.
 
 After configuring the database credentials, the exchange database needs
 to be initialized with the following command:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# sudo -u taler-exchange-httpd taler-exchange-dbinit
 
   ..note::
 
     To run this command, the user must have ``CREATE TABLE``, ``CREATE
     INDEX``, ``ALTER TABLE`` and (in the future possibly even) ``DROP TABLE``
     permissions.  Those permissions are only required for this step (which may
     have to be repeated when upgrading a deployment).  Afterwards, during
     normal operation, permissions to ``CREATE`` or ``ALTER`` tables are not
     required by any of the Taler exchange processes and thus should not be
     granted.  For more information, see
     :doc:`manpages/taler-exchange-dbinit.1`.
 
 Finally we need to grant the other accounts limited access:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# sudo -u taler-exchange-httpd bash
   [taler-exchange-httpd@exchange-online]# echo 'GRANT SELECT,INSERT,UPDATE ON ALL TABLES IN SCHEMA exchange TO "taler-exchange-aggregator";' \
     | psql taler-exchange
   [taler-exchange-httpd@exchange-online]# echo 'GRANT SELECT,INSERT,UPDATE ON ALL TABLES IN SCHEMA exchange TO "taler-exchange-closer";' \
     | psql taler-exchange
   [taler-exchange-httpd@exchange-online]# echo 'GRANT SELECT,INSERT,UPDATE ON ALL TABLES IN SCHEMA exchange TO "taler-exchange-wire";' \
     | psql taler-exchange
   [taler-exchange-httpd@exchange-online]# echo 'GRANT USAGE ON ALL SEQUENCES IN SCHEMA exchange TO "taler-exchange-aggregator";' \
     | psql taler-exchange
   [taler-exchange-httpd@exchange-online]# echo 'GRANT USAGE ON ALL SEQUENCES IN SCHEMA exchange TO "taler-exchange-closer";' \
     | psql taler-exchange
   [taler-exchange-httpd@exchange-online]# echo 'GRANT USAGE ON ALL SEQUENCES IN SCHEMA exchange TO "taler-exchange-wire";' \
     | psql taler-exchange
   [taler-exchange-httpd@exchange-online]# exit
 
 .. note::
 
    The above instructions for changing database permissions only work *after*
    having initialized the database with ``taler-exchange-dbinit``, as
    the tables need to exist before permissions can be granted on them. The
    ``taler-exchange-dbinit`` tool cannot setup these permissions, as it
    does not know which users will be used for which processes.
 
 .. _Dataprotection:
 
 Data protection concept
 -----------------------
 
 The ``kyc-attributes`` table contains the most sensitive
 data, namely the KYC records of the recipients of payments.
 The data could include passports, business documentation
 and other sensitive information. At a high-level, it is
 stored in JSON format (key-value), compressed and then
 additionally encrypted using a secret key from the
 exchange configuration (the ``ATTRIBUTE_ENCRYPTION_KEY``).
 Thus, this data is protected even if the full database
 is leaked.
 
 The ``aml-history`` table stores the main information
 provided by AML officers. This may contain sensitive
 data about risk assessments on customers, exposed or
 secret limits imposed on individual accounts, and
 in general forms supplied by bank staff. AML decisions
 are also tracked in the ``legitimization-*`` tables,
 including the latest rules that apply to an account.
 
 The second most sensitive table is
 ``wire-targets``, as it contains the IBANs (and possibly
 other visible information from RFC 8905) of the bank
 accounts of the customers. Many other tables contain
 transaction data (incoming, outgoing, p2p transfers,
 etc) which are somewhat less sensitive. It should be
 noted that the actual contracts between customers and
 merchants are not available to the exchange operator;
 the ``contracts`` table only stores contracts for p2p
 transfers in an end-to-end encrypted format that the
 exchange itself can never decrypt.
 
 The database is periodically cleaned up via the
 ``taler-exchange-dbinit --gc`` command. It is
 currently hard-coded (!) to delete KYC/AML data
 of accounts that have been inactive for 10 years.
 
 Data on incoming wire transfers (reserves) is
 deleted after the ``LEGAL_RESERVE_EXPIRATION_TIME``
 is reached, as configured in the ``[exchangedb]``
 section. The default is set to 7 years.
 
 Payment data is deleted whenever the legal expiration date for the
 ``DURATION_LEGAL`` configured in the respective section ``coin`` is reached
 (typically also after 10 years).
 
 
 Basic Setup: Currency, Denominations and Keys
 =============================================
 
 A Taler exchange only supports a single currency.  The currency
 and the smallest currency unit supported by the bank system
 must be specified in ``/etc/taler-exchange/taler-exchange.conf``.
 
 .. code-block:: ini
   :caption: /etc/taler-exchange/taler-exchange.conf
 
    [exchange]
    CURRENCY = EUR
    CURRENCY_ROUND_UNIT = EUR:0.01
 
    # ... rest of file ...
 
 .. warning::
 
    When editing ``/etc/taler-exchange/taler-exchange.conf``, take care to not accidentally remove
    the ``@inline-matching@`` directive to include the configuration files in ``conf.d``.
 
  .. _Coins-denomination-keys:
 
 Coins (denomination keys)
 -------------------------
 
 Next, the electronic cash denominations that the exchange offers must be
 specified.
 
 Sections specifying denomination (coin) information start with ``coin_``.  By
 convention, the name continues with ``$CURRENCY_[$SUBUNIT]_$VALUE_$REVISION``,
 i.e. ``[coin_eur_ct_10_0]`` for a 10 cent piece. However, only the ``coin_``
 prefix is mandatory.  Once configured, these configuration values must not
 change.  The ``$REVISION`` part of the section name should be incremented if
 any of the coin attributes in the section changes.  Each ``coin_``-section
 must then have the following options:
 
 -  ``VALUE``: How much is the coin worth, the format is
    CURRENCY:VALUE.FRACTION. For example, a 10 cent piece is "EUR:0.10".
 
 -  ``DURATION_WITHDRAW``: How long can a coin of this type be withdrawn?
    This limits the losses incurred by the exchange when a denomination
    key is compromised.
 
 -  ``DURATION_SPEND``: How long is a coin of the given type valid? Smaller
    values result in lower storage costs for the exchange.
 
 -  ``DURATION_LEGAL``: How long is the coin of the given type legal?
 
 -  ``FEE_WITHDRAW``: What does it cost to withdraw this coin? Specified
    using the same format as value.
 
 -  ``FEE_DEPOSIT``: What does it cost to deposit this coin? Specified using
    the same format as value.
 
 -  ``FEE_REFRESH``: What does it cost to refresh this coin? Specified using
    the same format as value.
 
 -  ``FEE_REFUND``: What does it cost to refund this coin?
    Specified using the same format as value.
 
 -  ``CIPHER``: Which cipher to use for this coin? Must be either ``RSA`` or
    ``CS``.
 
 -  ``RSA_KEYSIZE``: How many bits should the RSA modulus (product of the two
    primes) have for this type of coin.
 
 - ``AGE_RESTRICTED``: Set to ``YES`` to make this a denomination with support
    for age restrictions. See age restriction extension below for details.
    This option is optional and defaults to ``NO``.
 
 See :doc:`manpages/taler-exchange.conf.5` for information on *duration* values
 (i.e. ``DURATION_WITHDRAW`` and ``DURATION_SPEND`` above,
 and ``OVERLAP_DURATION`` and ``DURATION`` below).
 Additionally, there are two global configuration options of note:
 
 -  ``[taler-exchange-secmod-rsa/OVERLAP_DURATION]``: What is the overlap of the
    withdrawal timespan for denomination keys?  The value given here must
    be smaller than any of the ``DURATION_WITHDRAW`` values for any of the coins.
 
 -  ``[taler-exchange-secmod-rsa/LOOKAHEAD_SIGN]``: For how far into the future
    should denomination keys be pre-generated?  This allows the exchange and
    auditor operators to download, offline-sign, and upload denomination key
    signatures for denomination keys that will be used in the future by the
    exchange.
 
 .. index:: maintenance
 .. note::
    We recommend setting the ``LOOKAHEAD_SIGN`` value to at least one year and
    then to perform the offline-signing procedure at least once every 6 months
    to ensure that there is sufficient time for wallets to learn the new keys
    and to avoid unavailability in case this critical maintenance procedure is
    delayed.
 
 .. note::
    It is crucial that the configuration provided in these sections is identical (!)
    for the exchange and the crypto helpers.  We recommend pointing both users
    to the same configuration file!
 
 The ``taler-harness`` has a helper command that generates a
 reasonable denomination structure.
 
 .. code-block:: shell-session
 
   [root@exchange-online]# taler-harness deployment gen-coin-config \
                             --min-amount EUR:0.01 \
                             --max-amount EUR:100 \
                             > /etc/taler-exchange/conf.d/exchange-coins.conf
 
 You can manually review and edit the generated configuration file. The main
 change that is possibly required is updating the various fees.  Note that you
 MUST NOT edit a coin configuration section after the initial setup. If you
 must ``change`` the values, you must instead create a new section with a
 different unique name (still with the ``coin_`` prefix) and comment out or
 remove the existing section.  Do take care to not introduce the name of the
 disabled section again in the future.
 
 
 .. _Sign-keys:
 
 Sign keys
 ---------
 
 There are three global configuration options of note for sign keys:
 
 -  ``[taler-exchange-secmod-eddsa/DURATION]``: How long are sign keys
    used to sign messages? After this time interval expires, a fresh
    sign key will be used (key rotation).  We recommend using
    a ``DURATION`` of a few weeks to a few months for sign keys.
 
 -  ``[taler-exchange-secmod-eddsa/OVERLAP_DURATION]``: What is the overlap of the
    timespan for sign keys?  We recommend a few minutes or hours.  Must
    be smaller than ``DURATION``.
 
 -  ``[taler-exchange-secmod-eddsa/LOOKAHEAD_SIGN]``: For how far into the future
    should sign keys be pre-generated?  This allows the exchange and
    auditor operators to download, offline-sign, and upload sign key
    signatures for sign keys that will be used in the future by the exchange.
 
 .. note::
    We recommend setting the ``LOOKAHEAD_SIGN`` value to at least one year and
    then to perform the offline-signing procedure at least once every 6 months
    to ensure that there is sufficient time for wallets to learn the new keys
    and to avoid unavailability in case this critical maintenance procedure is
    delayed.
 
 
 .. _OfflineConfiguration:
 
 Setting up the offline signing key
 ----------------------------------
 
 Before launching an exchange, the offline signing (master) key must be
 generated and set in the configuration.  The offline signing keys of the
 exchange should be stored on a different machine.  The responsibilities of
 this offline signing machine are:
 
 * Generation of the exchange's offline master signing key.
 * Secure storage of the exchange's offline master signing key.
 * Generation of certificates (signed with the offline master signing key) that will be imported by the exchange.
 * Revocation of keys when the online system was compromised or is being terminated
 
 
 Configuration file options related to the master key are:
 
 - ``[exchange-offline/MASTER_PRIV_FILE]``: Path to the exchange’s master
    private file.  Only needs to be provided on the offline system where the
    ``taler-exchange-offline`` command is used.  The default value is usually
    fine and does not require adjustment.
 
 - ``[exchange/MASTER_PUBLIC_KEY]``: Must specify the exchange’s master public
    key.  Needed for the exchange to verify information signed by the offline
    system.  This value must almost always be set explicitly by hand.
 
 
 
 .. code-block:: shell-session
 
   [root@exchange-offline]# taler-exchange-offline setup
   < ... prints the exchange master public key >
 
 The public key printed as the output of this command must be put into the
 configuration of the online machine:
 
 .. code-block:: ini
   :caption: /etc/taler-exchange/conf.d/exchange-business.conf
 
    [exchange]
    MASTER_PUBLIC_KEY = YE6Q6TR1ED...
 
    # ... rest of file ...
 
 
 Wire Gateway Setup
 ==================
 
 The :ref:`Taler Wire Gateway <taler-wire-gateway-http-api>` is an API that
 connects the Taler exchange to the underlying core banking system.  There are
 several implementations of wire gateways:
 
   * `Project deploymerization <https://git.taler.net/depolymerization.git>`_ implements a wire gateway on top of Bitcoin or Ethereum
   * The :ref:`libeufin-bank <libeufin-bank>` provides a wire gateway interface on top of a regional currency bank
   * The **taler-fakebank-run** command is an in-memory bank simulator with a wire gateway interface for testing
 
 .. FIXME :ref:`libeufin-nexus <libeufin-nexus>` is an implementation of the Wire Gateway API for the EBICS protocol. Add to list above once nexus implements the TWG directly!
 
 Before continuing, you need to decide which wire gateway you want to use,
 and install and configure it on your system.  Afterwards, you need to
 have two key pieces of information from that setup:
 
   * The username and password to access the exchange's account in the system.
   * The ``payto://`` URI of that account (see `RFC 8905 <https://www.rfc-editor.org/rfc/rfc8905>`_).
 
 If you use the libeufin-bank, you need to set a special configuration option
 because the taler-exchange-wire-gateway-client does not yet support token
 authentication:
 
 .. code-block:: ini
   :caption: /etc/libeufin/libeufin-bank.conf
 
    [libeufin-bank]
    PWD_AUTH_COMPAT = YES
 
 .. FIXME: Remove the text above once #9703 is fixed.
 
 .. _exchange-bank-account-configuration:
 
 Exchange Bank Account Configuration
 -----------------------------------
 
 An exchange must be configured with the right settings to access its bank
 account via a :ref:`Taler wire gateway <taler-wire-gateway-http-api>`.  An
 exchange can be configured to use multiple bank accounts by using multiple
 wire gateways.  Typically only one wire gateway is used.
 
 To configure a bank account in Taler, we need to furnish two pieces of
 information:
 
 -  The ``payto://`` URI of the bank account, which uniquely idenfies the
    account. Examples for such URIs include
    ``payto://iban/CH9300762011623852957`` for a bank account with
    an IBAN or
    ``payto://x-taler-bank/localhost:8080/2`` for the 2nd bank account a
    the Taler bank demonstrator running at ``localhost`` on port 8080.
    The first part of the URI following ``payto://`` (``iban`` or
    ``x-taler-bank``) is called the wire method.
 
 -  The ``taler-exchange-wirewatch`` and ``taler-exchange-transfer``
    tools needs to be provided resources for authentication
    to the respective banking service. The format in which the
    authentication information is currently a username and password
    for HTTP basic authentication.
 
 
 Each Taler wire gateway is configured in a configuration section that follows
 the pattern ``exchange-account-$id``, where ``$id`` is an internal identifier
 for the bank account accessed by the exchange.  The basic information for an
 account should be put in ``/etc/taler-exchange/conf.d/exchange-business.conf``.  The
 secret credentials to access the Taler Wire Gateway API should be put into a
 corresponding ``exchange-accountcredentials-$id`` section in
 ``/etc/taler-exchange/secrets/exchange-accountcredentials.conf``.  The latter file
 should be only readable for the ``taler-exchange-wire`` user.  Only the
 ``taler-exchange-wirewatch`` and ``taler-exchange-transfer`` services should
 run as the ``taler-exchange-wire`` user.  Other exchange processes do not need
 to have access to the account credentials.
 
 You can configure multiple accounts for an exchange by creating sections
 starting with ``exchange-account-`` for the section name. You must specify
 ``ENABLE_``-settings for each account whether it should be used, and for what
 (incoming or outgoing wire transfers):
 
 .. code-block:: ini
   :caption: /etc/taler-exchange/conf.d/exchange-business.conf
 
   [exchange-account-1]
   # Account identifier in the form of an RFC-8905 payto:// URI.
   # For SEPA, looks like payto://iban/$IBAN?receiver-name=$NAME
   # Make sure to URL-encode spaces in $NAME!
   #
   # With x-taler-bank (for Fakebank)
   # PAYTO_URI = "payto://x-taler-bank/bank.demo.taler.net/Exchange?receiver-name=exop"
   #
   # Example using IBAN (for use with LibEuFin)
   PAYTO_URI = "payto://iban/CH9300762011623852957?receiver=name=exop"
 
   # URL for talking to the bank wire the wire API.
   WIRE_GATEWAY_URL = https://bank.demo.taler.net/accounts/exchange/taler-wire-gateway/
 
   # Use for exchange-aggregator (outgoing transfers)
   ENABLE_DEBIT = YES
   # Use for exchange-wirewatch (and listed in /wire)
   ENABLE_CREDIT = YES
 
   @inline-secret@ exchange-accountcredentials-1 ../secrets/exchange-accountcredentials.secret.conf
 
 
 .. code-block:: ini
   :caption: /etc/taler-exchange/secrets/exchange-accountcredentials.secret.conf
 
   [exchange-accountcredentials-1]
 
   # LibEuFin expects basic auth.
   WIRE_GATEWAY_AUTH_METHOD = basic
 
   # Username and password to access the Taler wire gateway.
   USERNAME = ...
   PASSWORD = ...
 
   # Base URL of the Taler wire gateway.
   WIRE_GATEWAY_URL = ...
 
 
 Such a wire gateway configuration can be tested with the following commands:
 
 .. code-block:: shell-session
 
    [root@exchange-online]# taler-exchange-wire-gateway-client \
      --section exchange-accountcredentials-1 --debit-history
    [root@exchange-online]# taler-exchange-wire-gateway-client \
      --section exchange-accountcredentials-1 --credit-history
 
 On success, you will see some of your account's transaction history (or an
 empty history), while on failure you should see an error message.
 
 
 .. _Deployment:
 
 Deployment
 ==========
 
 This chapter describes how to deploy the exchange once the basic installation
 and configuration are completed.
 
 .. _Serving:
 
 Serving
 -------
 
 The exchange can serve HTTP over both TCP and UNIX domain socket.
 
 The following options are to be configured in the section ``[exchange]``:
 
 -  ``SERVE``: Must be set to ``tcp`` to serve HTTP over TCP, or ``unix`` to serve
    HTTP over a UNIX domain socket.
 
 -  ``PORT``: Set to the TCP port to listen on if ``SERVE`` is ``tcp``.
 
 -  ``UNIXPATH``: Set to the UNIX domain socket path to listen on if ``SERVE`` is
    ``unix``.
 
 - ``UNIXPATH_MODE``: Number giving the mode with the access permission mask
    for the ``UNIXPATH`` (i.e. 660 = ``rw-rw---``). Make sure to set it in such
    a way that your reverse proxy has permissions to access the UNIX domain
    socket.  The default (660) assumes that the reverse proxy is a member of
    the group under which the exchange HTTP server is running.
 
 .. _ReverseProxy:
 
 Reverse Proxy Setup
 -------------------
 
 By default, the ``taler-exchange-httpd`` service listens for HTTP connections
 on a UNIX domain socket.  To make the service publicly available, a reverse
 proxy such as nginx should be used.  We strongly recommend to configure nginx
 to use TLS.
 
 The public URL that the exchange will be served under should
 be put in ``/etc/taler-exchange/conf.d/exchange-business.conf`` configuration file.
 
 .. code-block:: ini
   :caption: /etc/taler-exchange/conf.d/exchange-business.conf
 
    [exchange]
    BASE_URL = https://example.com/
 
    # ... rest of file ...
 
 The ``taler-exchange`` package ships with a sample configuration that can be
 enabled in nginx:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# vim /etc/nginx/sites-available/taler-exchange
   < ... customize configuration ... >
   [root@exchange-online]# ln -s /etc/nginx/sites-available/taler-exchange \
                                 /etc/nginx/sites-enabled/taler-exchange
   [root@exchange-online]# systemctl reload nginx
 
 Note that the reverse proxy must set a HTTP ``X-Forwarded-Host`` header to
 refer to the hostname used by nginx and a HTTP ``X-Forwarded-Proto`` header to
 inform the exchange whether the external protocol was ``http`` or ``https``.
 Thus, depending on your setup, you will likely have to edit those parts of the
 provided ``taler-exchange`` configuration file.
 
 With this last step, we are finally ready to launch the
 main exchange process.
 
 .. _Launch:
 
 Launching an exchange
 ---------------------
 
 A running exchange requires starting the following processes:
 
 -   ``taler-exchange-secmod-rsa`` (as special user, sharing group with the HTTPD)
 -   ``taler-exchange-secmod-cs`` (as special user, sharing group with the HTTPD)
 -   ``taler-exchange-secmod-eddsa`` (as special user, sharing group with the HTTPD)
 -   ``taler-exchange-httpd`` (needs database access)
 -   ``taler-exchange-aggregator`` (only needs database access)
 -   ``taler-exchange-closer`` (only needs database access)
 -   ``taler-exchange-wirewatch`` (needs bank account read credentials and database access)
 -   ``taler-exchange-transfer`` (needs credentials to initiate outgoing wire transfers and database access)
 
 The crypto helpers (``secmod``) must be started before the ``taler-exchange-httpd`` and
 they should use the same configuration file.
 
 For the most secure deployment, we recommend using separate users for each of
 these processes to minimize information disclosures should any of them be
 compromised.  The helpers do not need access to the PostgreSQL database (and
 thus also should not have it).
 
 The processes that require access to the bank account need to have a
 configuration file with the respective credentials in it. We recommend using a
 separate configuration at least for ``taler-exchange-transfer`` which is the
 *only* process that needs to know the credentials to execute outgoing wire
 transfers.
 
 All of these processes should also be started via a hypervisor like
 ``systemd`` or ``gnunet-arm`` that automatically re-starts them should they
 have terminated unexpectedly.  If the bank is down (say for maintenance), it is
 *possible* to halt the ``taler-exchange-wirewatch`` and/or
 ``taler-exchange-transfer`` processes (to avoid them making requests to the
 bank API that can only fail) without impacting other operations of the
 exchange. Naturally, incoming wire transfers will only be observed once
 ``taler-exchange-wirewatch`` is resumed, and merchants may complain if the
 disabled ``taler-exchange-transfer`` process causes payment deadlines to be
 missed.
 
 .. note::
    The ``taler-exchange-httpd`` does not ship with HTTPS enabled by default.
    In production, it should be run behind an HTTPS reverse proxy that performs
    TLS termination on the same system.  Thus, it would typically be configured
    to listen on a UNIX domain socket.  The ``/management`` and ``/auditors``
    APIs do technically not have to be exposed on the Internet (only to the
    administrators running ``taler-exchange-offline``) and should be blocked
    by the reverse proxy for requests originating from outside of the bank.
    (However, this is not a strong security assumption: in principle having
    these endpoints available should do no harm. However, it increases the
    attack surface.)
 
 
 Given proper packaging, all of the above are realized via a simple systemd
 target. This enables the various processes of an exchange service to be
 started using a simple command:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# systemctl start taler-exchange.target
 
 .. note::
 
    At this point, the exchange service is not yet fully operational.
 
 
 To check whether the exchange is running correctly under the advertised
 base URL, run:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# export BASE_URL=$(taler-exchange-config -s exchange -o base_url)
   [root@exchange-online]# wget ${BASE_URL}management/keys
 
 The request might take some time to complete on slow machines, because
 a lot of key material will be generated.
 
 
 Offline Signing Setup, Key Maintenance and Tear-Down
 ====================================================
 
 The exchange HTTP service must be running before you can complete the
 following offline signing procedure. Note that when an exchange is running
 without offline keys its not fully operational.  To make the exchange HTTP
 service fully operational, the following steps involving the offline signing
 machine must be completed:
 
   1. The public keys of various online keys used by the exchange service are exported
      via a management HTTP API.
   2. The offline signing system validates this request and signs it.
      Additionally, the offline signing system signs policy messages
      to configure the exchange's bank accounts and associated fees.
   3. The messages generated by the offline signing system are uploaded
      via the management API of the exchange HTTP service.
 
 A typical minimal setup would look something like this:
 
 .. code-block:: shell-session
 
   [anybody@exchange-online]# taler-exchange-offline \
     download > sig-request.json
 
   [root@exchange-offline]# taler-exchange-offline \
     sign < sig-request.json > sig-response.json
   [root@exchange-offline]# taler-exchange-offline \
     enable-account payto://iban/$IBAN?receiver-name=$NAME > acct-response.json
   [root@exchange-offline]# taler-exchange-offline \
     wire-fee now iban EUR:0 EUR:0 > fee-response.json
   [root@exchange-offline]# taler-exchange-offline \
     global-fee now EUR:0 EUR:0 EUR:0 4weeks 6a 4 > global-response.json
 
   [anybody@exchange-online]# taler-exchange-offline upload < sig-response.json
   [anybody@exchange-online]# taler-exchange-offline upload < acct-response.json
   [anybody@exchange-online]# taler-exchange-offline upload < fee-response.json
   [anybody@exchange-online]# taler-exchange-offline upload < global-response.json
 
 The following sections will discuss these steps in more depth.
 
 .. _Keys-generation:
 
 Signing the online signing keys
 -------------------------------
 
 To sign the online signing keys, first the *future* key material should be downloaded using:
 
 .. code-block:: console
 
    $ taler-exchange-offline download > future-keys.json
 
 Afterwards, *future-keys.json* contains data about denomination and
 online signing keys that the exchange operator needs to sign with
 the offline tool.  The file should be copied to the offline system.
 There, the operator should run:
 
 .. code-block:: console
 
    $ taler-exchange-offline show < future-keys.json
 
 and verify that the output contains the fee structure and key lifetimes
 they expect to see. They should also note the public keys being shown
 and communicate those to the *auditors* over a secure channel.  Once
 they are convinced the file is acceptable, they should run:
 
 .. code-block:: console
 
    $ taler-exchange-offline sign < future-keys.json > offline-sigs.json
 
 The *offline-sigs.json* file must then be copied to an online system
 that is able to again communicate with the exchange. On that system, run:
 
 .. code-block:: console
 
    $ taler-exchange-offline upload < offline-sigs.json
 
 to provision the signatures to the exchange.
 
 The ``download sign upload`` sequence in the commands above has to be done
 periodically, as it signs the various online signing keys of the exchange
 which periodically expire.
 
 
 .. _exchange-account-signing:
 
 Account signing
 ---------------
 
 The ``enable-account`` step is important to must be used to sign the
 ``payto://`` URI in a way suitable to convince wallets that this is the
 correct address to wire funds to.  Note that for each bank account, additional
 options **must** be set in the configuration file to tell the exchange how to
 access the bank account. The offline tool *only* configures the externally
 visible portions of the setup.  The chapter on `bank account configuration <_exchange-bank-account-configuration>`_ has further details.
 
 taler-exchange-offline accepts additional options to configure the use of the
 account. For example, additional options can be used to add currency
 conversion or to restrict interactions to bank accounts from certain
 countries:
 
 .. code-block:: console
 
    $ taler-exchange-offline \
        enable-account payto://iban/CH9300762011623852957
          conversion-url https://conversion.example.com/
 
 For details on optional ``enable-account`` arguments,
 see :doc:`manpages/taler-exchange-offline.1`.
 
 .. _Wire-fee-structure:
 
 Wire fee structure
 ------------------
 
 .. index:: wire fee
 .. index:: fee
 
 For each wire method (“iban” or “x-taler-bank”) the
 exchange must know about applicable wire fees. This is also done
 using the ``taler-exchange-offline`` tool:
 
 .. code-block:: console
 
    $ taler-exchange-offline wire-fee 2040 iban EUR:0.05 EUR:0.10
 
 The above sets the wire fees for wire transfers involving ``iban`` accounts
 (in Euros) in the year 2040 to 5 cents (wire fee) and 10 cents (closing fee).
 The tool only supports setting fees that applies for the entire calendar year.
 
 We recommend provisioning an exchange with wire fees at least for the next two
 years.  Note that once the fees have been set for a year, they cannot be
 changed (basically, by signing the fees the exchange makes a legally binding
 offer to the customers).
 
 .. index:: maintenance
 .. note::
    Provisioning future wire fees, like provisioning future denomination
    and signing keys, are key regular maintenance procedures for every
    exchange operator.  We recommend setting automated reminders for
    this maintenance activity!
 
 
 .. _Auditor-configuration:
 
 Auditor configuration
 ---------------------
 
 At this point, the exchange will be able to use those keys, but wallets and
 merchants may not yet trust them!  Thus, the next step is for an auditor to
 affirm that they are auditing this exchange.  Before an auditor can do this,
 the exchange service must be informed about any auditor that is expected to
 provision it with auditor signatures.
 
 This is also done using the ``taler-exchange-offline`` tool on the offline
 system.  First, the auditor must be configured and provide the exchange
 operator with its public key (using ``taler-auditor-offline setup``) and the
 URL of it's REST API.  The exchange operator also needs a human-readable name
 that may be shown to users to identify the auditor.  For more information on
 how to setup and operate an auditor, see
 :doc:`manpages/taler-auditor-offline.1` and :doc:`taler-auditor-manual`.
 
 Given this information, the exchange operator can enable the auditor:
 
 .. code-block:: console
 
    $ taler-exchange-offline enable-auditor $PUB_KEY $REST_URL "$AUDITOR_NAME" > auditor.json
 
 As before, the *auditor.json* file must then be copied from the offline system
 to a system connected to the exchange and there ``uploaded`` to the exchange using ``taler-exchange-offline upload``.
 
 
 .. _Revocations:
 
 Revocations
 -----------
 
 When an exchange goes out of business or detects that the private key of
 a denomination key pair has been compromised, it may revoke some or all
 of its denomination keys. At this point, the hashes of the revoked keys
 must be returned as part of the ``/keys`` response under “recoup”.
 Wallets detect this, and then return unspent coins of the respective
 denomination key using the ``/recoup`` API.
 
 To revoke a denomination key, you need to know the hash of the denomination
 public key, ``$HDP``.  The ``$HDP`` value is usually included in the security
 report that is generated when a compromise is detected).  Given this
 value, the key revocation can be approved on the offline system:
 
 .. code-block:: console
 
    $ taler-exchange-offline revoke-denominatin $HDP > revocation.json
 
 The resulting *revocation.json* must be copied to a system connected to the
 exchange and uploaded to the exchange using the ``upload`` subcommand
 of ``taler-exchange-offline``.
 
 .. note::
    Denomination key revocations should only happen
    under highly unusual (“emergency”) conditions and not in normal
    operation.
 
 
 Setup Linting
 =============
 
 The ``taler-harness`` package comes with a tool that runs various
 checks on the current GNU Taler exchange deployment:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# apt install taler-harness
   [root@exchange-online]# taler-harness deployment lint-exchange
 
 You can optionally pass the ``--debug`` option to get more verbose output, and
 ``--continue`` to continue with further checks even though a previous one has
 failed.
 
 
 Testing and Troubleshooting
 ===========================
 
 We recommend testing whether an exchange deployment is functional by using the
 Taler wallet command line interface.  The tool can be used to withdraw and
 deposit electronic cash via the exchange without having to deploy and operate a
 separate merchant backend and storefront.
 
 The following shell session illustrates how the wallet can be used to withdraw
 electronic cash from the exchange and subsequently spend it.  For these steps,
 a merchant backend is not required, as the wallet acts as a merchant.
 
 .. code-block:: shell-session
 
   # This will now output a payto URI that money needs to be sent to in order to allow withdrawal
   # of taler coins.
   $ taler-wallet-cli advanced withdraw-manually --exchange $EXCHANGE_URL --amount EUR:10.50
 
 
 Show the status of the manual withdrawal operation.
 
 .. code-block:: shell-session
 
   $ taler-wallet-cli transactions
 
 At this point, a bank transfer to the exchange's bank account
 needs to be made with the correct subject / remittance information
 as instructed by the wallet after the first step.  With the
 above configuration, it should take about 5 minutes after the
 wire transfer for the incoming transfer to be observed by the
 Nexus.
 
 Run the following command to check whether the exchange received
 an incoming bank transfer:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# taler-exchange-wire-gateway-client \
      --section exchange-accountcredentials-1 --credit-history
 
 Once the transfer has been made, try completing the withdrawal
 using:
 
 .. code-block:: shell-session
 
   $ taler-wallet-cli run-pending
 
 Afterwards, check the status of transactions and show the
 current wallet balance:
 
 .. code-block:: shell-session
 
   $ taler-wallet-cli transactions
   $ taler-wallet-cli balance
 
 
 Now, we can directly deposit coins via the exchange into a target
 account.  (Usually, a payment is made via a merchant.  The wallet
 provides this functionality for testing.)
 
 .. code-block:: shell-session
 
   $ taler-wallet-cli deposit create EUR:5 \
     payto://iban/$IBAN?receiver-name=Name
   $ taler-wallet-cli run-pending
 
 
 Check if this transaction was successful (from the perspective
 of the wallet):
 
 .. code-block:: shell-session
 
   $ taler-wallet-cli transactions
 
 If the transaction failed, fix any open issue(s) with the exchange and
 run the "run-pending" command.
 
 The wallet can also track if the exchange wired the money to the merchant
 account.  The "deposit group id" can be found in the output of the
 transactions list.
 
 .. code-block:: shell-session
 
   $ taler-wallet-cli deposit track $DEPOSIT_GROUP_ID
 
 You can also check using the exchange-tools whether the exchange sent
 the an outgoing transfer:
 
 .. code-block:: shell-session
 
   [root@exchange-online]# taler-exchange-wire-gateway-client \
     --section exchange-accountcredentials-1 --debit-history
 
 After enough time has passed, the money should arrive at the specified IBAN.
 
 For more information on the taler-wallet-cli tool, see
 :doc:`taler-wallet`.
 
 taler-exchange-config
 ---------------------
 
 .. _Using_taler_exchange_config:
 
 .. index:: taler-exchange-config
 
 .. include:: frags/using-taler-config.rst
 
 
 Private key storage
 -------------------
 
 Keeping the private keys the helpers create secret is paramount. If the
 private keys are lost, it is easy to provision fresh keys (with the help of
 the auditor).  Thus, we recommend that the private keys of the crypto helpers
 are *not* backed up: in the rare event of a disk failure, they can be
 regenerated.  However, we do recommend using RAID (1+1 or 1+1+1) for all
 disks of the system.
 
 
 .. _Internal-audit:
 
 Internal audits
 ---------------
 
 While an exchange should use an external auditor to attest to regulators that
 it is operating correctly, an exchange operator can also use the auditor's
 logic to perform internal checks.  For this, an exchange operator can generally
 follow the auditor guide.  However, instead of using ``taler-auditor-sync``,
 an internal audit can and likely should be performed either directly against
 the production exchange database or against a synchronous copy created using
 standard database replication techniques. After all, the exchange operator
 runs this for diagnostics and can generally trust its own database to maintain
 the database invariants.
 
 Running the auditor against a the original the production database (without
 using ``taler-auditor-sync``) enables the auditing logic to perform a few
 additional checks that can detect inconsistencies.  These checks are enabled
 by passing the **-i** option to the ``taler-auditor`` command.  As always,
 the resulting report should be read carefully to see if there are any problems
 with the setup.
 
 Reports are generally created incrementally, with ``taler-auditor`` reporting
 only incidents and balance changes that were not covered in previous reports.
 While it is possible to reset the auditor database and to restart the audit
 from the very beginning, this is generally not recommended as this may be too
 expensive.
 
 
 .. _Database-Scheme:
 
 Database Scheme
 ---------------
 
 The exchange database must be initialized using ``taler-exchange-dbinit``.
 This tool creates the tables required by the Taler exchange to operate.
 The tool also allows you to reset the Taler exchange database, which is
 useful for test cases but should never be used in production. Finally,
 ``taler-exchange-dbinit`` has a function to garbage collect a database,
 allowing administrators to purge records that are no longer required.
 
 The database scheme used by the exchange looks as follows:
 
 .. image:: images/exchange-db.png
 
 The ``jmeasures`` JSON in the ``legitimization_measures``
 table is of type `LegitimizationMeasures`:
 
 .. ts:def:: LegitimizationMeasures
 
   interface LegitimizationMeasures {
 
     // Array of legitimization measures that
     // are to be applied.
     measures: MeasureInformation[];
 
     // True if the client is expected to eventually satisfy all requirements.
     // Default (if missing) is false.
     is_and_combinator?: boolean;
 
     // True if the requested operation is categorically forbidden.
     // The measures array will be empty in this case.
     verboten: boolean;
   }
 
 
 .. _Database-upgrades:
 
 Database upgrades
 -----------------
 
 Before installing a new exchange version, you should probably make a backup of
 the existing database and study the release notes on migration.  In general,
 the way to migrate is to stop all existing Taler exchange processes and run:
 
 .. code-block:: console
 
    $ taler-exchange-dbinit
 
 This will migrate the existing schema to the new schema. You also may need
 to grant Taler exchange processes the rights to the new tables (see last
 step of database setup).
 
 .. note::
 
    The **taler-exchange-dbconfig** tool can be used to automate the database
    migration. In general, simply invoking it again should trigger the
    migration including **taler-exchange-dbinit** and setting the permissions.
 
 
 If you do not want to keep any data from the previous installation, the
 exchange database can be fully re-initialized using:
 
 .. code-block:: console
 
    $ taler-exchange-dbinit --reset
 
 However, running this command will result in all data in the database
 being lost, which may result in significant financial liabilities as the
 exchange can then not detect double-spending. Hence this operation must
 not be performed in a production system. You still also need to then
 grant the permissions to the other exchange processes again.
 
 .. _ExchangeBenchmarking:
 
 Benchmarking
 ============
 
 This chapter describes how to run various benchmarks against a Taler exchange.
 These benchmark can be used to measure the performance of the exchange by
 running a (possibly large) number of simulated clients against one Taler
 deployment with a bank, exchange and (optionally) auditor.
 
 Real benchmarks that are intended to demonstrate the scalability of GNU Taler
 should not use the tools presented in this section: they may be suitable for
 microbenchmarking and tuning, but the setup is inherently not optimzied for
 performance or realism, both for the load generation and the server side.
 Thus, we do not recommend using these performance numbers to assess the
 scalability of GNU Taler.  That said, the tools can be useful to help identify
 performance issues.
 
 The ``taler-unified-setup.sh`` script can be used to launch all required
 services and clients. However, the resulting deployment is simplistic
 (everything on the local machine, one single-threaded process per service
 type) and not optimized for performance at all. However, this can still be
 useful to assess the performance impact of changes
 to the code or configuration.
 
 The various configuration files used in the code snippets in this section can
 be found in the ``src/benchmark/`` directory of the exchange. These are
 generally intended as starting points.  Note that the configuration files
 ending in ``.edited`` are created by ``taler-unified-setup.sh`` and contain
 some options that are determined at runtime by the setup logic provided by
 ``taler-unified-setup.sh``.
 
 
 .. _Benchmark-choose-bank:
 
 Choosing a bank
 ---------------
 
 For the bank, both a fakebank (``-f``) and libeufin-based (``-ns``)
 bank deployment are currently supported by all benchmark tools and
 configuration templates.
 
 Fakebank is an ultra-fast in-memory implementation of the Taler bank API. It
 is suitable when the goal is to benchmark the core GNU Taler payment system
 and to ignore the real-time gross settlement (RTGS) system typically provided
 by an existing bank.  When using the fakebank, ``taler-unified-setup.sh`` must
 be started with the ``-f`` option and be told to use the right exchange bank
 account from the configuration files via ``-u exchange-account-1``.
 
 .. code-block:: console
 
     $ dropdb talercheck; createdb talercheck
     $ taler-unified-setup.sh -emwt -c $CONF -f -u exchange-account-1
 
 
 libeufin is GNU Taler's adapter to the core banking system using the EBICS
 banking protocol standard.  It uses a Postgres database to persist data and is
 thus much slower than fakebank.  If your GNU Taler deployment uses libeufin in
 production, it likely makes sense to benchmark with libeufin.  When using the
 fakebank, ``taler-unified-setup.sh`` must be started with the ``-ns`` options
 (starting libeufin-nexus and libeufin-bank) and be told to use the right
 exchange bank account from the configuration files via ``-u
 exchange-account-2``.  Note that ``taler-unified-setup.sh`` currently cannot
 reset a libeufin database, and also will not run if the database is already
 initialized. Thus, you must re-create the database every time before
 running the command:
 
 .. code-block:: console
 
     $ dropdb talercheck; createdb talercheck
     $ taler-unified-setup.sh -emwt -c $CONF -ns -u exchange-account-2
 
 
 taler-bank-benchmark
 --------------------
 
 This is the simplest benchmarking tool, simulating only the bank
 interaction.
 
 .. code-block:: console
 
     $ CONF="benchmark-cs.conf"
     $ # or with libeufin
     $ dropdb talercheck; createdb talercheck
     $ taler-unified-setup.sh -emwt -c "$CONF" -f -u exchange-account-1
     $ # Once <<READY>>, in another shell (remember to set $CONF):
     $ time taler-bank-benchmark -c "$CONF" -r 40 -p 4 -P4 -u exchange-account-1 -f
     $ # or with libeufin
     $ dropdb talercheck; createdb talercheck
     $ taler-unified-setup.sh -emwt -c "$CONF" -ns -u exchange-account-2
     $ # Once <<READY>>, in another shell (remember to set $CONF):
     $ time taler-bank-benchmark -c "$CONF" -r 40 -p 1 -P1 -u exchange-account-2
 
 For each *parallel* (``-p``) client, a number of *reserves* (``-r``) is first
 established by **transferring** money from a "user" account (42) to the
 Exchange's account with the respective reserve public key as wire subject.
 Processing is then handled by *parallel* (``-P``) service workers.
 
 
 taler-exchange-benchmark
 ------------------------
 
 This is the benchmarking tool simulates a number of clients withdrawing,
 depositing and refreshing coins.  Operations that are not covered by the
 ``taler-exchange-benchmark`` tool today include closing reserves, refunds,
 recoups and P2P payments.
 
 .. code-block:: console
 
     $ CONF="benchmark-cs.conf" # -rsa also makes sense
     $ # With fakebank
     $ dropdb talercheck; createdb talercheck
     $ taler-unified-setup.sh -aemwt -c "$CONF" -f -u exchange-account-1
     $ # Once <<READY>>, in another shell (remember to set $CONF):
     $ taler-exchange-benchmark -c "$CONF".edited -u exchange-account-1 -n 1 -p1 -r 5 -f
     $ #
     $ # With libeufin
     $ dropdb talercheck; createdb talercheck
     $ taler-unified-setup.sh -aemwt -c "$CONF" -ns -u exchange-account-2
     $ # Once <<READY>>, in another shell (remember to set $CONF):
     $ taler-exchange-benchmark -c "$CONF".edited -u exchange-account-2 -L WARNING -n 1 -p1 -r 5
 
 For each *parallel* (``-p``) client, a number of *reserves* (``-r``) is first
 established by **transferring** money from a "user" account (42) to the
 Exchange's account with the respective reserve public key as wire subject.
 Next, the client will **withdraw** a *number of coins* (``-n``) from the
 reserve and **deposit** them. Additionally, a *fraction* (``-R``) of the dirty
 coins will then be subject to **refreshing**.  For some deposits, the auditor
 will receive **deposit confirmations**.
 
 The output of ``taler-exchange-benchmark`` will include for each parallel
 client the total time spent in each of the major operations, possible
 repetitions (i.e. if the operation failed the first time), total execution
 time (operating system and user space) and other details.
 
 
 taler-aggregator-benchmark
 --------------------------
 
 This is another simple benchmark tool that merely prepares an exchange
 database to run a stand-alone benchmark of the ``taler-exchange-aggregator``
 tool.  After preparing a database and running the tool, you can then
 run one or more ``taler-exchange-aggregator`` processes and measure how
 quickly they perform the aggregation work.
 
 .. code-block:: console
 
     $ CONF=benchmark-rsa.conf
     $ taler-exchange-dbinit -c "$CONF" --reset
     $ ./taler-aggregator-benchmark -c "$CONF" -m 500 -r 10 -d 100
     $ time taler-exchange-aggregator -c "$CONF" --test
 
 This above commands will first create 100 deposits with 10 refunds into each
 of 500 merchant accounts using randomized time stamps.  Afterwards, it will
 time a single aggregator process in ``--test`` mode (asking it to terminate
 as soon as there is no more pending work).
 
 
 FIXMEs
 ======
 
 * We should have some summary with the inventory of services that should be
   running.  Systemd by default doesn't show this nicely.  Maybe suggest running
   "systemd list-dependencies taler-exchange.target"?
 * What happens when the TWG doesn't like one particular outgoing transaction?
   How to recover from that as a sysadmin when it happens in practice?