Taler en Belgique, en France ou au Luxembourg?

Le projet NGI TALER vise à rendre les paiements par Taler disponibles dans la zone euro d’ici à fin-2026. Cependant, les contraintes réglementaires vont de fait limiter leur disponibilité aux seuls marchands situés en Allemagne. La question est donc la suivante : comment élargir cette zone de déploiement ?

Comment proposer GNU Taler dans un autre pays ?

Il ne s’agit évidemment pas seulement d’administration système. GNU Taler n’est pas qu’un logiciel, il suppose une infrastructure bancaire. C’est tout cela qui doit être préparé pour un lancement potentiel. À commencer par trouver une banque partenaire pour domicilier le compte du premier Exchange.

EBICS et libEuFin Nexus: d’un simple compte bancaire à un Exchange GNU Taler

La condition essentielle pour qu’un compte bancaire puisse servir d’Exchange est de disposer d’un accès EBICS au compte. Cela permettra à votre infrastructure GNU Taler d’administrer le compte via le libEuFin Nexus. Pour plus d’informations, voir l’Exchange Operator Manual (GNU Taler Docs).

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Quelles contraintes réglementaires, précisément? Pourquoi c’est possible en Allemagne et pas en France?

Pas compris la suite. Si on est une boîte française, quelles sont les options?

Let me rephrase in English:

  1. What are the specific regulatory constraints that are limiting Taler’s availability to German merchants? Why is it possible to launch in Germany but not in France, for example?

  2. If a company is based in France, what are its options for using or implementing GNU Taler as a payment system?

Hi @sfermigier,

Well this question is the actual issue here: GLS, the german bank in charge of integrating TALER payments in €, is not willing to perform the extensive studies about the regulatory constraints in each country of the eurozone but only in their own country. They are trying to engage their network of likeminded banks to do so and hopefully run an Exchange in each of their countries.

It would first require to set up an Exchange (doesn’t necessarily have to be a bank, it’s just easier for banks since they already have KYC, AML compliance processes running) before anyone can operate a Merchant in those countries. For more insights about those issues, @natacha has made a very instructive summary a few months ago: What is an Exchange, Banking and Exchanges interrogations.

If someone is really into setting up an Exchange for GNU Taler payments, they should definitely get in touch with @LeoW who can answer more precisely about the banking issues.

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It is the current way of how taler is structured: As a small value instrument. One of the defining qualities is, that it can only be used for domestic payments.

I don’t understand how not being able to use TALER in France (or, actually, in any other country than Germany) can be considered as a positive quality. What’s the point of getting funding from the Commission if the only positive outcome are for a specific country?

Quality as in characteristic, not as in goodness.

We are going step by step, the banking world is complex, and once Taler will be implemented in by one bank it will be possible to discuss with more of them. GLS is in solidarity with the project, and they implement Taler despite the fact that the approach is unconventional. I think it is an amazing achievement, more to come.

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