I hadn’t heard of it, here’s wikipedia:

GNU Taler is a free software-based microtransaction and electronic payment system.[3][4] Unlike most other decentralized payment systems, GNU Taler does not use a blockchain.[5] A blind signature is used to protect the privacy of users as it prevents the exchange from knowing which coin it signed for which customer.[5]

Looks like this is the official website: https://taler.net/en/index.html

It seems interesting. I’ll have to read more about how it works.

I think it's a bit late but still important. Adoption really depends on consumer and producer and bank support. I'm in, sure, I just don't want this to be a "no. I'm on signal" convo where I eventually give up and install WhatsApp.

I doubt it, there is no real incentive for banks to implement this system when the entire banking system is already running and working on technology that is proven to do the job well enough.

If this would save banks money and can be proven to work in real life for a long time, then it is just a question about how much money can be saved and how much money it will cost to implement.

One big issue I can see is that if it is using the GPL license, then it will never be mainstream, the leaders of the company will just see that they will have to open source their software to use this and weigh that against just keep the existing tech running, for them sharing their source code is scary, so they will go against it.

If it used the BSD license, then it would have some future, as management would not need to feel like they are risking their IP.

I know it isn't that clearcut in terms of the GPL license, but menagement won't understand that, and to be frank, if you are the cheif compliance officer of a major bank, this is something you would not want to be first with, untested waters are sacry, especially legal waters.

So no, I doubt this will ever catch on in the mainstream