dielinke.tex (10363B)
1 \documentclass[aspectratio=169,t]{beamer} 2 \input taler-macros 3 \usepackage{msc} 4 5 6 \newcommand{\TITLE}{Digital Euro vs. GNU Taler} 7 \newcommand{\SUB}{Sleeping at the helm} 8 \newcommand{\AUTHOR}{Christian Grothoff} 9 \newcommand{\SPEAKER}{Christian Grothoff} 10 \newcommand{\INST}{Bern University of Applied Sciences \& Taler Systems SA} 11 \newcommand{\DATE}{\\ \ \vspace{0.5cm} \\ April 14\textsuperscript{th} 2026} 12 13 % Do not edit this part 14 \title{\TITLE} 15 \subtitle{\SUB} 16 \date{\DATE} 17 \author[\SPEAKER]{\AUTHOR} 18 \institute{\INST} 19 20 21 \begin{document} 22 23 \begin{frame}[plain] 24 \maketitle 25 \end{frame} 26 27 \begin{frame}{The Digital Euro proposal} 28 \begin{itemize} 29 \item Economically problematic: 30 \begin{itemize} 31 \item Private PSPs intermediate ECB $\Rightarrow$ cost \& complexity 32 \item Zero holding limit for companies is problematic 33 \item {\bf Sub-optimal for welfare} according to~\cite{doi:10.1287/mnsc.2024.06830} 34 \end{itemize}\pause 35 \item Politically fatal: 36 \begin{itemize} 37 \item {\bf Dependency} on Apple, Google, etc. cemented 38 \item Central bank establishes {\bf ``absolute control''} over society~\cite{castens2021} 39 \item {\bf Lack of use-cases} $\Rightarrow$ legislation to force acceptance 40 \end{itemize} \pause 41 \item Technically disasterous: 42 \begin{itemize} 43 \item {\bf Impossible} to secure fully anonymous offline mode 44 \item Identity theft + reverse waterfall = empty bank accounts 45 \item Extremely wasteful or outright corrupt procurement process 46 \end{itemize} 47 \end{itemize} 48 \end{frame} 49 50 51 \begin{frame}[fragile]{G+D Hardware to fixes the CAP theorem?} 52 \framesubtitle{Only if history has nothing to teach us!} 53 \def\svgwidth{0.9\textwidth} 54 55 \begingroup% 56 \makeatletter% 57 \providecommand\color[2][]{% 58 \errmessage{(Inkscape) Color is used for the text in Inkscape, but the package 'color.sty' is not loaded}% 59 \renewcommand\color[2][]{}% 60 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\cite{arm2017boomerang}\end{tabular}}}}% 86 \put(0,0){\includegraphics[width=\unitlength,page=2]{offline-timeline.pdf}}% 87 \put(0.28309276,0.44884928){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Mar, Jun 2020 \cite{intel2020lvi,intel2020sgaxe}\end{tabular}}}}% 88 \put(0,0){\includegraphics[width=\unitlength,page=3]{offline-timeline.pdf}}% 89 \put(0.18177392,0.17262607){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Aug 2017 \cite{arm2017clkscrew}\end{tabular}}}}% 90 \put(0,0){\includegraphics[width=\unitlength,page=4]{offline-timeline.pdf}}% 91 \put(0.08024638,0.44884927){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Dec 2017 \cite{samsung2017knox}\end{tabular}}}}% 92 \put(0,0){\includegraphics[width=\unitlength,page=5]{offline-timeline.pdf}}% 93 \put(0.02512174,0.36103189){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny May, Aug 2016 \cite{arm2016alias,arm2016cache,zhang2016truspy}\end{tabular}}}}% 94 \put(0,0){\includegraphics[width=\unitlength,page=6]{offline-timeline.pdf}}% 95 \put(0.34119422,0.08566952){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Aug 2019 \cite{amd2019}\end{tabular}}}}% 96 \put(0,0){\includegraphics[width=\unitlength,page=7]{offline-timeline.pdf}}% 97 \put(0.3956406,0.36131883){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Oct 2019 \cite{sim2019}\end{tabular}}}}% 98 \put(0,0){\includegraphics[width=\unitlength,page=8]{offline-timeline.pdf}}% 99 \put(0.38164733,0.17343635){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Jun 2020 \cite{smartcard2020}\end{tabular}}}}% 100 \put(0,0){\includegraphics[width=\unitlength,page=9]{offline-timeline.pdf}}% 101 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\put(0.78984349,0.17291304){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Oct 2024 \cite{amd2025}\end{tabular}}}}% 110 \put(0,0){\includegraphics[width=\unitlength,page=14]{offline-timeline.pdf}}% 111 \put(0.7963995,0.44796104){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Aug 2023 \cite{arm2023}\end{tabular}}}}% 112 \put(0,0){\includegraphics[width=\unitlength,page=15]{offline-timeline.pdf}}% 113 \put(0.59916521,0.36103188){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Apr 2023 \cite{amd2023}\end{tabular}}}}% 114 \put(0,0){\includegraphics[width=\unitlength,page=16]{offline-timeline.pdf}}% 115 \put(0.79631301,0.36103188){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}\tiny Aug 2024 \cite{intel2024}\end{tabular}}}}% 116 \put(0,0){\includegraphics[width=\unitlength,page=17]{offline-timeline.pdf}}% 117 \put(0.123203,0.24410952){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}2015\end{tabular}}}}% 118 \put(0.5000146,0.24410952){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}2020\end{tabular}}}}% 119 \put(0.87682623,0.24410952){\color[rgb]{0,0,0}\makebox(0,0)[lt]{\lineheight{1.25}\smash{\begin{tabular}[t]{l}2025\end{tabular}}}}% 120 \put(0,0){\includegraphics[width=\unitlength,page=18]{offline-timeline.pdf}}% 121 \end{picture}% 122 \endgroup% 123 \end{frame} 124 125 126 \begin{frame}{Alias Lookup Service: 56M wasted} 127 Goal of the Alias Lookup service tender: 128 \begin{itemize} 129 \item Register dEuro account under e-mail address or phone number 130 \item Lookup account number under address to send payments 131 \item Basically, what Wero does 132 \end{itemize}\pause 133 Reality: 134 \begin{itemize} 135 \item Scalable, low-latency, multi-language implementation in FLOSS for 24 ECTS at 136 \url{https://lookup.t-euro.eu} 137 \item 2nd implementation with support for social media accounts and other 138 features for EUR 28,000 at \url{https://taldir.gnunet.org/} 139 \end{itemize}\pause 140 The unstoppable train: 141 \begin{itemize} 142 \item We could not apply: 10 M annual revenue were required to submit 143 \item I informed ECB, Olaf and EUparl about public waste of money 144 \item Above implementations available before awards finalized 145 \end{itemize} 146 \end{frame} 147 148 149 \begin{frame}{Design goals of the GNU Taler Payment System} 150 \framesubtitle{\url{https://taler.net/}} 151 GNU Taler must ... 152 \begin{enumerate} 153 \item {... be implemented as {\bf free software}.} 154 \item {... protect the {\bf privacy of buyers}.} 155 \item {... must enable the state to {\bf tax income} and crack down on 156 illegal business activities.} 157 \item {... prevent payment fraud.} 158 \item {... only {\bf disclose the minimal amount of information 159 necessary}.} 160 \item {... be usable.} 161 \item {... be efficient.} 162 \item {... avoid single points of failure.} 163 \item {... foster {\bf competition}.} 164 \end{enumerate} 165 \end{frame} 166 167 168 \begin{frame}{Capabilities today} 169 \begin{itemize} 170 \item Wallets for Android, iOS, WebExtensions 171 \item P2P payments, age-restricted payments, programmable payments 172 \item Rule-based KYC/AML integration, incl. E-ID support 173 \item 30,000 transactions/s in scalability experiments using 2 servers 174 \item EBICS/ISO 20022 integration, regional currency support 175 \item Accessible for blind people (Apps and Web pages) 176 \item Translated into many languages 177 \item External security audits, post-quantum design 178 \item Secure payments to offline merchants (but wallet online!) 179 \item Point-of-sale and casher apps (Android-only) 180 \item Integrations into WordPress, Drupal and other E-commerce systems 181 \item ... 182 \end{itemize} 183 \end{frame} 184 185 186 \begin{frame}{Further reading} 187 \vfill 188 \begin{center} 189 \url{https://taler.net/} 190 \end{center} 191 \vfill 192 \end{frame} 193 194 195 196 197 198 199 % This should be last... 200 \begin{frame}{Acknowledgments} 201 202 \begin{minipage}{0.45\textwidth} \ \\ 203 {\tiny Funded by the European Union (Project 101135475).} 204 205 \begin{center} 206 \includegraphics[width=0.5\textwidth]{images/bandera.jpg} 207 \end{center} 208 \end{minipage} 209 \hfill 210 \begin{minipage}{0.45\textwidth} 211 {\tiny Funded by SERI (HEU-Projekt 101135475-TALER).} 212 213 \begin{center} 214 \includegraphics[width=0.65\textwidth]{images/sbfi.jpg} 215 \end{center} 216 \end{minipage} 217 218 \vfill 219 220 {\tiny 221 222 Views and opinions expressed are however those of the author(s) only 223 and do not necessarily reflect those of the European Union. Neither the 224 European Union nor the granting authority can be held responsible for 225 them. 226 227 } 228 \end{frame} 229 230 \section*{References} 231 \begin{frame}[allowframebreaks]{References} 232 \bibliographystyle{plain} 233 \bibliography{ref,extra,biblio-defqa} 234 \end{frame} 235 236 \end{document}