टेलर बिटकॉइन या ब्लॉकचेन से कैसे संबंधित है?

टेलर को किसी ब्लॉकचेन तकनीक की आवश्यकता नहीं है, और यह प्रूफ-ऑफ-वर्क या किसी अन्य वितरित आम सहमति तंत्र पर आधारित नहीं है। इसके विपरीत, टेलर अप्रत्यक्ष हस्ताक्षर पर आधारित है। हालांकि, बिटकॉइन जैसी पीयर-टू-पीयर क्रिप्टो-मुद्राओं के साथ टेलर को जोड़ना सैद्धांतिक रूप से संभव है।

हालांकि, यह संभव होगा कि बिटकॉइन में अंकित सिक्कों को टेलर वॉलेट (एक उपयुक्त एक्सचेंज के साथ) में वापस ले लिया जाए, जो तत्काल पुष्टि के समय जैसे सादे बिटकॉइन पर कुछ लाभ देगा।

मेरे वॉलेट में शेष राशि कहाँ संग्रहीत है?

आपका वॉलेट डिजिटल सिक्कों को संग्रहीत करता है और इस तरह अंततः आपका कंप्यूटर आपकी बक़ाया राशि बनाए रखता है। एक्सचेंज एक एस्क्रो बैंक खाते में सभी अव्ययित सिक्कों के मिलान के लिए फंड रखता है।

अगर मेरा वॉलेट खो जाए तो क्या होगा?

चूंकि आपके वॉलेट के डिजिटल सिक्के गुमनाम हैं, इसलिए एक्सचेंज आपको खोए या चोरी हुए वॉलेट को पुनर्प्राप्त करने में सहायता नहीं कर सकता है। नकदी के लिए एक किसी भौतिक वॉलेट के जैसे, आप इसे सुरक्षित रखने के लिए जिम्मेदार हैं।

वॉलेट खोने का जोखिम बैकअप बनाकर या शेष राशि को यथोचित रूप से कम रखने से कम किया जा सकता है।

अगर मेरा कंप्यूटर हैक हो जाए तो क्या होगा?

आपके उपकरणों में से किसी से छेड़छाड़ के मामले में, एक हमलावर आपके वॉलेट से सिक्के खर्च कर सकता है। आपकी शेष राशि की जाँच से आपको पता चल सकता है कि आपके उपकरण से छेड़छाड़ की गई है।

How do I install a Taler wallet on my browser?

Please visit the Taler wallet install page for browser extensions and select the wallet matching with your browser type.

How do I install a Taler wallet on my phone?

Please visit an app store matching with your smartphone and select the Taler app. You will find links on the wallet install page guiding you to the respective app stores.

क्या मैं अपने दोस्त को टेलर के साथ पैसे भेज सकता हूं?

Taler supports push and pull payments between wallets (also known as peer-to-peer payments). While the payment appears to be directly between wallets, technically the operation is intermediated by the payment service provider which will typically be legally required to identify the recipient of the funds before allowing the transaction to complete.

टाएँलर विभिन्न मुद्राओं में भुगतान कैसे करता है?

टेलर पर्स यूरो, यूएस डॉलर या बिटकॉइन जैसी कई अलग-अलग मुद्राओं के अनुरूप डिजिटल सिक्कों को स्टोर कर सकते हैं।

वर्तमान में टेलर मुद्राओं के बीच विनिमय की पेशकश नहीं करता है।

टैलर मेरी निजता की रक्षा कैसे करता है?

आपके बटुए में डिजिटल सिक्के हैं जो एक एक्सचेंज द्वारा गोपनीय हस्ताक्षर किए गए हैं। एक गोपनीय हस्ताक्षर का उपयोग आपकी गोपनीयता की रक्षा करता है क्योंकि यह एक्सचेंज को यह जानने से रोकता है कि यह किस ग्राहक के लिए किस सिक्के पर हस्ताक्षर किया गया है।

इसकी क्या कीमत है?

टैलर प्रोटोकॉल किसी भी एक्सचेंज को अपनी फीस संरचना निर्धारित करने की अनुमति देता है, जिससे ऑपरेटरों को सिक्कों को वापस लेने, जमा करने, ताज़ा करने या सिक्कों की फीस निर्धारित करने की अनुमति मिलती है। ऑपरेटर फीस भी लागू कर सकते है रिज़र्व बंद करने के लिए और बढ़ जाने वाले वायर स्थानांतरण व्यापारियों के लिए। व्यापारी चाहे चुन सकते है बचाना कुछ फ़ीस ग्राहको के। असल स्थानांतरण मूल्य अंदाज़ा ०.००१ सेंट/स्थानांतरण ( ज़्यादा स्थानांतरण रटों, परिशोधित लग बग एक अरब स्थानांतरण, ना मान के प्रवास मूल्य)। ध्यान दे कि ये एक शीघ्र अंदाज़ा हे, विस्तार हो सके निर्भर करे समुदाय एवं पूर्तिकर आवश्यकताओ

क्या Taler अंतर्राष्ट्रीय भुगतान से काम करता है ?

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.

How does Taler relate to the (European) Electronic Money Directive?

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.

What bank would guarantee the conversion between Taler coins and bank money in regular bank accounts?

The exchange would be operated by a bank or in cooperation with a bank, and that bank would hold the funds in escrow respectively on an internal settlement account. Note that this bank could be a regular bank or a central bank for a central bank digital currency. Irrespective of this, the bank would fall under the relevant financial services regulations, which is one reason why consumers can rely on the conversion of Taler coins into normal bank money.

To whom would consumers complain to in case of non-conversion or non-compliance?

From a technical point of view, any exchange is 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.

From a legal point of view, users can always turn to their national authority responsible for settling disputes concerning the management of exchange services. For exchange services conducting business in Germany, this would be the general authority in charge of disputes (Universalschlichtungsstelle des Bundes). In addition to this, the European Online Dispute Resolution (see ODR) as a platform provided by the European Commission can be called for the settlement of disputes concerning exchange services headquartered in member states of the European Union.

Are there any projects already using Taler?

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 our bugtracker for a list of open issues).

क्या Taler अंतर्राष्ट्रीय भुगतान से काम करता है ?

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.

How do wire fees work?

A wire fee is charged by Taler operators on outgoing wire transfers when Taler is used to wire funds into a bank account. Merchants are encouraged to allow Taler to delay and then aggregate many small payments into a single collective wire transfer to minimize wire transfer fees. For example, by configuring a wire deadline of one week, all payments within a week could be aggregated into a single wire transfer, and thus the wire transfer fee would only be charged once per week. The fee is simply subtracted from the total amount wired.

How do deposit fees work?

Withdrawing 5 CHF creates electronic coins with denominations of 0.04 CHF, 0.16 CHF, 0.32 CHF, 0.64 CHF, 1.28 CHF, and 2.56 CHF. Paying 3.23 CHF might then use the 0.04 CHF, 0.64 CHF and 2.56 CHF coins, resulting in a total of 3.24 CHF with 0.01 CHF returned as change.

Deposit fees charged by Taler payment providers depend on the electronic coins used in the transaction. For example, the deposit fee could be higher for a $1.28 CHF coin than for a a $0.01 CHF coin. Your wallet will automatically try to select coins that minimize the fees you have to pay. Merchants can offer to pay deposit fees up to a specified limit; customers have to pay deposit fees that exceed what the merchant is willing to cover. Taler wallets inform customers about applicable deposit fees they have to pay before every transaction.

How do bounce fees work?

A bounce fee is charged by Taler operators to wire transfers that return funds to customers when either the Taler wallet did not withdraw the amount after 4 weeks, or immediately if a wire transfer subject was used that is missing the required code to associate a wallet with the wire transfer. The fee is deducted from the amount transferred back to the original account.

To avoid paying bounce fees payers should be careful when entering the wire transfer subject, and ensure that their wallet is online within a month of initiating the withdrawal.

How to avoid digital cash expiration?

Taler e-money is issued with a validity period. One month before the expiration date, your wallet should automatically exchange any digital cash that is about to expire for new digital cash with an extended validity period. However, if your wallet is offline for an extended period of time, it may be unable to do so. Ensure your wallet is regularly online to avoid losing money due to expiration!

To whom would consumers complain to in case of non-conversion or non-compliance?

In case that customers or merchants have reason to complain about the Taler payment system, Taler Operations AG will be their first point of contact. We are always grateful for your suggestions for improvement and for error messages. The best way to file these is done via our bug tracker. The ticket system makes it possible to submit reports anonymously.

Taler Operations AG is a member at VQF, a Swiss association for the quality assurance of financial services (Verein zur Qualitätssicherung von Finanzdienstleistungen, General-Guisan-Str. 6, 6300 Zug, phone +41 41 763 28 20) where users could also turn to in case of complaints.