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authorng0 <ng0@taler.net>2019-09-03 12:13:51 +0000
committerng0 <ng0@taler.net>2019-09-03 12:13:51 +0000
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{% extends "common/base.j2" %}
{% block body_content %}
-<div class="container">
-
-<h2>{{ _("How is Taler related to Bitcoin or Blockchains?") }}</h2>
-
-<p>
- {% trans %}
- Taler does not require any Blockchain technology, and is
- also not based on proof-of-work or any other distributed consensus
- mechanism. Instead, Taler is based on blind signatures.
- However, it is theoretically possible to combine Taler with
- peer-to-peer crypto-currencies like Bitcoin.
- {% endtrans %}
-</p>
-
-<p>
- {% trans %}
- It would be possible, however, to withdraw coins denominated in
- Bitcoin into a Taler wallet (with an appropriate exchange), which
- would give some benefits over plain Bitcoin, such as instant
- confirmation times.
- {% endtrans %}
-</p>
-
-<h2>{{ _("Where is the balance in my wallet stored?") }}</h2>
-<p>
- {% trans %}
- Your wallet stores digital coins and thus ultimately your computer
- holds your balance. The exchange keeps funds matching all unspent
- coins in an escrow bank account.
- {% endtrans %}
-</p>
-
-<h2>{{ _("What if my wallet is lost?") }}</h2>
-<p>
- {% trans %}
- Since the digital coins of value in your wallet are anonymized, the
- exchange can not assist you in recovering a lost or stolen wallet.
- Just like with a physical wallet for cash, you are responsible for
- keeping it safe.
- {% endtrans %}
-</p>
-
-<p>
- {% trans %}
- The risk of losing a wallet can be mitigated by making backups or
- keeping the balance reasonably low.
- {% endtrans %}
-</p>
-
-<h2>{{ _("What if my computer is hacked?") }}</h2>
-<p>
- {% trans %}
- In case of a compromise of one of your devices, an attacker can
- spend coins from your wallet. Checking your balance might reveal
- to you that your device has been compromised.
- {% endtrans %}
-</p>
-
-<h2>{{ _("Can I send money to my friend with Taler?") }}</h2>
-<p>
- {% trans %}
- If your friend provides goods or services for you in exchange for a
- payment, they can easily set up a Taler merchant and receive the
- payment in their bank account.
- {% endtrans %}
-</p>
-<p>
- {% trans %}
- Future versions of the Taler wallet may allow exchanging coins
- among friends directly as well.
- {% endtrans %}
-</p>
-
-<h2>{{ _("How does Taler handle payments in different currencies?") }}</h2>
-<p>
- {% trans %}
- Taler wallets can store digital coins corresponding to multiple
- different currencies such as the Euro, US Dollars or Bitcoins.
- {% endtrans %}
-</p>
-<p>
- {% trans %}
- Taler currently does not offer conversion between currencies.
- {% endtrans %}
-</p>
-
-<h2>{{ _("How does Taler protect my privacy?") }}</h2>
-{% trans %}
- <p>
- Your wallet stores digital coins that are
- <a href="https://en.wikipedia.org/wiki/Blind_signature">blindly signed</a>
- by an exchange. The use of a blind signature protects your
- privacy as it prevents the exchange from knowing which coin it signed
- for which customer.
- </p>
-{% endtrans %}
-
-<h2>{{ _("How much does it cost?") }}</h2>
-{% trans %}
- <p>
- The Taler protocol allows any exchange to set its own fee
- structure, allowing operators to set fees for withdrawing, depositing,
- refreshing or refunding coins. Operators can also charge fees for
- closing reserves and for (aggregated) wire transfers to merchants.
- Merchants may choose to cover some of the fees customers incur.
- Actual transaction costs are estimated around 0.001 cent/transaction
- (at high transaction rates, amortized over billions of transactions,
- excluding migration costs). Note that this is an early estimate,
- details may depend on hosting and backup requirements from the
- regulator and could thus easily be 10x higher.
- </p>
-{% endtrans %}
-
-
-<h2>{{ _("Does Taler work with international payments?") }}</h2>
-{% trans %}
- <p>
- Taler's wallet supports multiple currencies, but the system
- currently does not support conversion between currencies. However,
- in principle an entity that accepts deposits in one currency and
- allows withdrawals in another currency could be created. Still, the
- regulatory hurdles in this case tend to be particularly complex.
- The focus for Taler is on day-to-day payments, so we have no plans
- to support currency conversion in the near future.
- </p>
-{% endtrans %}
-
-
-<h2>{{ _("How does Taler relate to the (European) Electronic Money Directive?") }}</h2>
-{% trans %}
- <p>
- We believe the European Electronic Money Directive provides part
- of the regulatory framework a Taler exchange with coins denominated
- in Euros would have to follow.
- </p>
-{% endtrans %}
-
-
-<h2>{{ _("What bank would guarantee the conversion between Taler coins and bank money in regular bank accounts?") }}</h2>
-{% trans %}
- <p>
- The exchange would be operated by a bank or in cooperation with a bank, and that bank
- would hold the funds in escrow. Note that this bank could be a regular bank or a central
- bank for a centrally banked electronic currency. Regardless, the bank would fall under
- the respective banking regulations establishing a reason why consumers would have faith
- in the conversion from Taler coins into regular bank money.
- </p>
-{% endtrans %}
-
-<h2>{{ _("To whom would consumers complain to in case of non-conversion or non-compliance?") }}</h2>
-{% trans %}
- <p>
- Any exchange should be audited by one or more independent auditors. Merchants and
- consumer wallets will report certain issues automatically to the auditors, but auditors
- may also provide a method for manual submission of issues. The auditors are expected
- to make their reports available to the respective regulatory authorities, or even
- the general public.
- </p>
-{% endtrans %}
-
-<h2>{{ _("Are there any projects already using Taler?") }}</h2>
-{% trans %}
- <p>
- We are aware of several businesses running exploratory projects or having
- developed working prototypes. We are also
- in discussions with several regular banks as well as several central banks
- about the project. That said, there are currently no products in the
- market yet, and we believe this would be premature given the state of
- the project (see also <a href="https://gnunet.org/bugs/">our bugtracker</a>
- for a list of open issues).
- </p>
-{% endtrans %}
-
-<h2>{{ _("Does Taler support recurring payments?") }}</h2>
-{% trans %}
- <p>
- Today, our wallet implementation does not support recurring
- payments. Recurring payments, where some fixed amount is paid on a
- regular basis are in theory possible with Taler, but they come with a
- few caveats. Specifically, recurring payments can only work if the
- Taler wallet is running and online around the desired time.
- Furthermore, given their repetitive nature they are linkable, and
- could thus be used to deanonymize the user making the recurring
- payment, for example by forcing the user offline at the time of the
- payment and observing that it does then not happen on time. Finally,
- the Taler wallet does not work with credit and thus the user would
- have to make sure to carry a sufficient balance for the recurring
- payment to be made. Still, they can be useful, and a future version of
- the Taler wallet will likely support them. But this is not a feature
- that we are targeting for Taler 1.0. at this time
- </p>
-{% endtrans %}
-
-</div>
+ <div class="container">
+
+ <h2>{{ _("How is Taler related to Bitcoin or Blockchains?") }}</h2>
+
+ <p>
+ {% trans %}
+ Taler does not require any Blockchain technology, and is
+ also not based on proof-of-work or any other distributed consensus
+ mechanism. Instead, Taler is based on blind signatures.
+ However, it is theoretically possible to combine Taler with
+ peer-to-peer crypto-currencies like Bitcoin.
+ {% endtrans %}
+ </p>
+
+ <p>
+ {% trans %}
+ It would be possible, however, to withdraw coins denominated in
+ Bitcoin into a Taler wallet (with an appropriate exchange), which
+ would give some benefits over plain Bitcoin, such as instant
+ confirmation times.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("Where is the balance in my wallet stored?") }}</h2>
+ <p>
+ {% trans %}
+ Your wallet stores digital coins and thus ultimately your computer
+ holds your balance. The exchange keeps funds matching all unspent
+ coins in an escrow bank account.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("What if my wallet is lost?") }}</h2>
+ <p>
+ {% trans %}
+ Since the digital coins of value in your wallet are anonymized, the
+ exchange can not assist you in recovering a lost or stolen wallet.
+ Just like with a physical wallet for cash, you are responsible for
+ keeping it safe.
+ {% endtrans %}
+ </p>
+
+ <p>
+ {% trans %}
+ The risk of losing a wallet can be mitigated by making backups or
+ keeping the balance reasonably low.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("What if my computer is hacked?") }}</h2>
+ <p>
+ {% trans %}
+ In case of a compromise of one of your devices, an attacker can
+ spend coins from your wallet. Checking your balance might reveal
+ to you that your device has been compromised.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("Can I send money to my friend with Taler?") }}</h2>
+ <p>
+ {% trans %}
+ If your friend provides goods or services for you in exchange for a
+ payment, they can easily set up a Taler merchant and receive the
+ payment in their bank account.
+ {% endtrans %}
+ </p>
+ <p>
+ {% trans %}
+ Future versions of the Taler wallet may allow exchanging coins
+ among friends directly as well.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("How does Taler handle payments in different currencies?") }}</h2>
+ <p>
+ {% trans %}
+ Taler wallets can store digital coins corresponding to multiple
+ different currencies such as the Euro, US Dollars or Bitcoins.
+ {% endtrans %}
+ </p>
+ <p>
+ {% trans %}
+ Taler currently does not offer conversion between currencies.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("How does Taler protect my privacy?") }}</h2>
+ <p>
+ {% trans %}
+ Your wallet stores digital coins that are
+ <a href="https://en.wikipedia.org/wiki/Blind_signature">blindly signed</a>
+ by an exchange. The use of a blind signature protects your
+ privacy as it prevents the exchange from knowing which coin it signed
+ for which customer.
+ {% endtrans %}
+ </p>
+
+
+ <h2>{{ _("How much does it cost?") }}</h2>
+ <p>
+ {% trans %}
+ The Taler protocol allows any exchange to set its own fee
+ structure, allowing operators to set fees for withdrawing, depositing,
+ refreshing or refunding coins. Operators can also charge fees for
+ closing reserves and for (aggregated) wire transfers to merchants.
+ Merchants may choose to cover some of the fees customers incur.
+ Actual transaction costs are estimated around 0.001 cent/transaction
+ (at high transaction rates, amortized over billions of transactions,
+ excluding migration costs). Note that this is an early estimate,
+ details may depend on hosting and backup requirements from the
+ regulator and could thus easily be 10x higher.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("Does Taler work with international payments?") }}</h2>
+ <p>
+ {% trans %}
+ Taler's wallet supports multiple currencies, but the system
+ currently does not support conversion between currencies. However,
+ in principle an entity that accepts deposits in one currency and
+ allows withdrawals in another currency could be created. Still, the
+ regulatory hurdles in this case tend to be particularly complex.
+ The focus for Taler is on day-to-day payments, so we have no plans
+ to support currency conversion in the near future.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("How does Taler relate to the (European) Electronic Money Directive?") }}</h2>
+ <p>
+ {% trans %}
+ We believe the European Electronic Money Directive provides part
+ of the regulatory framework a Taler exchange with coins denominated
+ in Euros would have to follow.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("What bank would guarantee the conversion between Taler coins and bank money in regular bank accounts?") }}</h2>
+ <p>
+ {% trans %}
+ The exchange would be operated by a bank or in cooperation with a bank, and that bank
+ would hold the funds in escrow. Note that this bank could be a regular bank or a central
+ bank for a centrally banked electronic currency. Regardless, the bank would fall under
+ the respective banking regulations establishing a reason why consumers would have faith
+ in the conversion from Taler coins into regular bank money.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("To whom would consumers complain to in case of non-conversion or non-compliance?") }}</h2>
+ <p>
+ {% trans %}
+ Any exchange should be audited by one or more independent auditors. Merchants and
+ consumer wallets will report certain issues automatically to the auditors, but auditors
+ may also provide a method for manual submission of issues. The auditors are expected
+ to make their reports available to the respective regulatory authorities, or even
+ the general public.
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("Are there any projects already using Taler?") }}</h2>
+ <p>
+ {% trans %}
+ We are aware of several businesses running exploratory projects or having
+ developed working prototypes. We are also
+ in discussions with several regular banks as well as several central banks
+ about the project. That said, there are currently no products in the
+ market yet, and we believe this would be premature given the state of
+ the project (see also <a href="https://gnunet.org/bugs/">our bugtracker</a>
+ for a list of open issues).
+ {% endtrans %}
+ </p>
+
+ <h2>{{ _("Does Taler support recurring payments?") }}</h2>
+ <p>
+ {% trans %}
+ Today, our wallet implementation does not support recurring
+ payments. Recurring payments, where some fixed amount is paid on a
+ regular basis are in theory possible with Taler, but they come with a
+ few caveats. Specifically, recurring payments can only work if the
+ Taler wallet is running and online around the desired time.
+ Furthermore, given their repetitive nature they are linkable, and
+ could thus be used to deanonymize the user making the recurring
+ payment, for example by forcing the user offline at the time of the
+ payment and observing that it does then not happen on time. Finally,
+ the Taler wallet does not work with credit and thus the user would
+ have to make sure to carry a sufficient balance for the recurring
+ payment to be made. Still, they can be useful, and a future version of
+ the Taler wallet will likely support them. But this is not a feature
+ that we are targeting for Taler 1.0. at this time
+ {% endtrans %}
+ </p>
+
+ </div>
{% endblock body_content %}