Advantages for Citizens

Taler largely functions like digital cash. You withdraw money from your bank account into your electronic wallet, and can henceforth spend digital cash. The electronic wallet can carry multiple currencies.


Taler uses modern cryptography, ensuring that there is no counterfeit. Your digital wallet is safer than your physical wallet. At most, you can lose its contents because your computer or mobile is irreparably damaged or compromised. Unlike a physical wallet, you can make backups to secure against data loss.


Your transactions are private, neither the payment service provider nor merchant needs to learn your identity. There is no need to give out credit card numbers or other sensitive information. The merchant will only be able to do exactly the transaction you agreed to.


You will be able to withdraw money to replenish the digital coins in your wallet using your credit card or wire transfers. Afterwards you can pay with one-click using the Taler wallet, which optionally keeps your transaction history on your computer.


Coins in your digital wallet will be of the same denomination as the cash in your physical wallet. Taler is not a crypto-currency, so you do not have to worry about crypto-currency related value fluctuations. Banking with Taler is subject to the usual government protections for financial services.

Wallet Browser Extension

We currently provide a wallet browser extension for Chromium, Chrome, Firefox, Opera and Edge. Wallets for mobile phones and other platforms will be available in the future.

Taler Demo

You can see how Taler works in practice by visiting our demo page.

The Taler Wallet for customers

Customers interact with the Taler system using the Taler wallet:

  • To withdraw electronic coins, the customer transfers funds from his bank account to the Taler payment service provider (the exchange). The wire transfer subject must match a code identifying the customer's wallet. After the wire transfer is complete, the wallet will automatically withdraw the coins from the exchange.
  • To spend electronic coins, a merchant must cause the wallet to display a proposal for some purchase. The wallet will ask the customer for one-click confirmation. Payment is then instant. Transaction histories and digitally signed contracts can be preserved by the wallet.
  • The customer can use the wallet to review his balance. The wallet can contain different currencies, and may be shared across devices. Customers can make backups of the wallet to secure its contents against hardware failures.
customer perspective