Taler 与比特币或区块链有什么关系？

Taler 不需要任何区块链技术，也不基于工作量证明（proof-of-work）或任何其他分布式共识机制。 相反，Taler 基于盲签名（blind signatures）。 但是，理论上可以将 Taler 与比特币等点对点加密货币相结合。

然而，（通过适当的交易所）将比特币计价的货币提取到 Taler 钱包是可能的，这与普通比特币相比有一些优势，如即时确认。

我钱包里的余额储存在哪里？

您的钱包会存储数字货币，因此最终您的计算机将持有您的余额。 交易所会将与未用完货币相对应的资金保存在一个托管银行账户中。

如果我的钱包丢失怎么办？

由于您钱包中的有价数字货币是匿名的，交易所无法协助您找回丢失或被盗的钱包。就像装现金的实体钱包一样，您要负责保管好它。

您可以通过备份或保持较低水平的余额来降低丢失钱包的风险。

如果我的电脑被黑客攻击了怎么办？

如果您的一台设备遭到入侵，攻击者可以从您的钱包中花费数字货币。 您可以通过检查您的余额来发现设备是否已被入侵。

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.

我可以用 Taler 给我的朋友汇款吗？

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.

Taler如何处理不同货币的支付？

Taler 钱包可以存储与多种不同货币相对应的数字货币，如欧元、美元或比特币。

目前，Taler不支持不同货币之间的兑换。

Taler 如何保护我的隐私？

您的钱包存储的是由交易所盲签名的数字货币。使用盲签可以保护您的隐私，因为它可以防止交易所知道它为哪个客户签署了哪种货币。

它的费用是多少？

Taler 协议允许任何交易所设置自己的收费结构，允许运营商设置提款、存入、刷新或退款的费用。 运营商还可以收取关闭储备金和向商家（汇总）电汇的费用。 商家可以选择承担客户产生的部分费用。 预计实际交易成本约为 0.001 美分/交易（在高交易率下，按数十亿交易分摊，不包括迁移成本）。 请注意，这只是一个早期估计，细节可能取决于监管机构的托管和备份要求。因此，最终可能很容易高出数10 倍。

Taler是否支持国际收支？

Taler'钱包支持多种货币，但系统目前不支持不同货币之间的兑换。 虽然原则上可以创建一个实体，接受一种货币的存款并允许以另一种货币提款，但是这种情况下的监管障碍往往特别复杂。 Taler 的重心是日常支付，因此我们近期没有支持外汇兑换的计划。

Taler与（欧盟）电子货币指令有什么关系？

我们认为，欧盟电子货币指令是以欧元计价的Taler交易所必须遵循的监管框架的一部分。

哪家银行会保证 Taler 货币和普通银行账户中的银行货币之间的转换？

交易所将由银行或与银行合作运营，该银行将以托管的方式持有资金。请注意，这家银行可能是一家普通银行，也可以是发行中央银行电子货币的中央银行。不管哪种情况，该银行都将遵循其所属的银行法规，这也是消费者可以信任Taler货币兑换为普通银行货币的原因。

如果出现无法兑换或不遵守规定的情况，消费者向谁投诉？

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.

是否有项目已经在使用Taler？

我们知道有几家企业正在运行探索性项目或已经开发了工作原型。 我们正在与几家常规银行以及几家中央银行就该项目进行讨论。 也就是说，目前市场上还没有产品。考虑到项目的状态，我们认为目前还为时过早（另请参阅我们的错误跟踪器 获取未决问题清单）。

Taler支持定期付款吗？

目前，Taler钱包实现不支持定期付款。理论上，Taler有可能进行定期付款（即定期支付固定金额的付款），但有很多注意事项。具体来讲，只有当Taler钱包在所需时间内运行并在线时，才可进行定期付款。此外，定期付款的重复性使其是可链接的，因此可以被用来对进行定期付款的用户进行去匿名化处理，例如，在付款时强迫用户离线并观察到该定期付款随后不会按时发生。最后，Taler钱包不能使用信贷，因此用户必须确保有足够的余额来进行定期付款。尽管如此，定期付款还是有用的，Taler钱包的未来版本可能会支持该功能。但目前我们针对Taler 1.0未设计这一功能。

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!

如果出现无法兑换或不遵守规定的情况，消费者向谁投诉？

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.