GNU Taler
Ranked 3 of 12 payment systems by recommenders
People recommend it for giving payers cash-like privacy while staying compatible with banks and taxes, as free software with no trusted operator. The common caveat is that payees are identified and it needs a connection to a central exchange.
People recommend it for giving payers cash-like privacy while staying compatible with banks and taxes, as free software with no trusted operator. The common caveat is that payees are identified and it needs a connection to a central exchange.
63 people gave an opinion
- recommend it
- 37
- criticize it
- 26
- approval share
- 59%
Recommended in 12 of 13 months
- November 2025: recommended
- December 2025: recommended
- January 2026: recommended
- February 2026: recommended
- March 2026: recommended
- April 2026: recommended
- May 2026: recommended
- June 2026: recommended
- July 2026: recommended
- August 2026: recommended
- September 2026: recommended
- October 2026: recommended
- November 2026: not recommended (month in progress)
Why it doesn’t carry the badge
- 37 people recommend itNeeds 10 or more, met.
- 1.4 recommenders for every criticNeeds 2 to 1 or better, not met.
- Recommended in 12 of 13 monthsNeeds 4 or more, met.
The same three rules apply to every product, and the badge can’t be bought. How the badge works
What people say about it
The reasons people give, with the number of comments that give each one. Open a reason to read what they said.
Why people recommend it
Each mark is one comment
Payers keep cash-like privacy
“This feels much closer to cash in practice, which also comes from banks, yet I’d say it’s compatible with privacy.”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “privacy-preserving for consumers, non-blockchain digital cash, and keeps merchant activity taxable”
Comment from 22 May 2026 in “More than 340 local news outlets are limiting the Internet Archive's access” “I'd rather have a GNU Taler based system (private for consumers, transparent for the business)”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun” - Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany”
- Comment from 11 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun”
- Comment from 25 Oct 2026 in “Getting ready to operate GNU Taler in Germany”
Free software, no trusted operator
“You don't have to trust anyone with GNU Taler as it is only a free software technology”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “It's not controlled by a US company, this is also a pretty big improvement.”
Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “the blind signatures and online model require less trust in the platform”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” Live use and EU funding
“They have significant investment and institutional interest notably from the EU and established organisations such as NLNet.”
Comment from 22 Jul 2026 in “OpenNode – Bitcoin Payment Processor” “it's a digital coin that has been in development for a long time and is currently starting to see real use”
Comment from 4 Jun 2026 in “Show HN: Uruky (EU-based Kagi alternative) now has Image Search and URL Rewrites” “the solution already exists: It's still relatively small scale but GNU Taler is live in Switzerland”
Comment from 27 Jul 2026 in “Decathlon Germany adds Wero payment option to decathlon.de website” - Comment from 9 Dec 2025 in “PeerTube is recognized as a digital public good by Digital Public Goods Alliance”
Keeps merchant activity taxable
“If keeps the payer anonymous while letting the government know how much the payee received for tax purposes.”
Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment” “privacy-preserving for consumers, non-blockchain digital cash, and keeps merchant activity taxable”
Comment from 22 May 2026 in “More than 340 local news outlets are limiting the Internet Archive's access” “I'd rather have a GNU Taler based system (private for consumers, transparent for the business)”
Comment from 10 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun”
What people warn about
Each mark is one comment
Payees are identified, not private
“Taler promises to protect the buyer's privacy, not the merchant's.”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “Taler is privacy-preserving for the payer, but not for the payee.”
Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “claiming buyer privacy when the money ultimately has to come from a bank transaction”
Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany” - Comment from 4 Mar 2026 in “Why payment fees matter more than you think”
Depends on a central exchange
“AFAIK you still can't give 20€ to your friend without the exchange knowing and approving”
Comment from 17 Sep 2026 in “CCC invites all model citizens to 40C3” “it has to be permanently connected to the Internet and it *expires* if disconnected for too long”
Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “The centralised state-run exchange that you have to connect to to make the software useful?”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” - Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany”
Funds expire, forcing spending
“it has to be permanently connected to the Internet and it *expires* if disconnected for too long”
Comment from 22 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “GNU Taler seems more like an expiring invoice that requires paying in a specific timeframe.”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “Also the funds have an expiration date (forced spending). Who is this for?”
Comment from 17 Sep 2026 in “CCC invites all model citizens to 40C3” Concerns about government surveillance
“I pointed out the risks that come with additional government surveillance of payments”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “if they ban books about Tiananmen Square, and this system gets introduced”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany” “From political authorities POV it's a solution in search of a problem”
Comment from 23 Oct 2026 in “Getting ready to operate GNU Taler in Germany”
Other payment systems people recommend
The four most recommended other payment systems, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.
| Product | Recommend | Criticize | Approval | Months | Owned | Badge |
|---|---|---|---|---|---|---|
| Pix | 65 | 14 | 82% | 11 | — | Approved |
| UPI (Unified Payments Interface) | 58 | 12 | 83% | 11 | — | Approved |
| GNU TalerThis page | 37 | 26 | 59% | 12 | — | — |
| x402 | 35 | 8 | 81% | 9 | — | Approved |
| Visa card | 34 | 124 | 22% | 9 | — | — |
What people said
40 of the 80 comments that mention it, newest first. Each links to the original comment.
“the payment trail is solved by paying anonymously with Taler”
“Tokens in the Taler wallet are decoupled from current system and cannot be taken away without shutting whole system down.”
“It doesn't even need to be decentralized: GNU Taler is one example that gets posted here a lot.”
“Call it a demo of our micro-payment service? Try paying with the Taler wallet, the gratis demo currency "KUDOS" will work.”
“Taler promises to protect the buyer's privacy, not the merchant's.”
“From political authorities POV it's a solution in search of a problem”
“You don't have to trust anyone with GNU Taler as it is only a free software technology”
“the blind signatures and online model require less trust in the platform”
“GNU Taler seems more like an expiring invoice that requires paying in a specific timeframe.”
“The centralised state-run exchange that you have to connect to to make the software useful?”
“if they ban books about Tiananmen Square, and this system gets introduced”
“I pointed out the risks that come with additional government surveillance of payments”
“This feels much closer to cash in practice, which also comes from banks, yet I’d say it’s compatible with privacy.”
“it has to be permanently connected to the Internet and it *expires* if disconnected for too long”
“Taler gives payers privacy and doesn’t make things any worse for payees than they already are”
“It's not controlled by a US company, this is also a pretty big improvement.”
“It's a improvement to existing payment systems in the framework and limitations of existing payment transactions.”
“blind signatures are used to create tokens, so the issuer doesn't know which coin was issued to which person.”
“claiming buyer privacy when the money ultimately has to come from a bank transaction”
“the Taler architecture would require you to pay cash into an exchange”
“Taler is privacy-preserving for the payer, but not for the payee.”
“AFAIK you still can't give 20€ to your friend without the exchange knowing and approving”
“Also the funds have an expiration date (forced spending). Who is this for?”
“The currently mainstream payment solution hurt privacy even more than the current ad tracking. We'd need something like GNU Taler for that.”
“It's possible to build a payer-anonymous payment system based on regular centralized databases just fine, see e.g. GNU Taler.”
“the solution already exists: It's still relatively small scale but GNU Taler is live in Switzerland”
“They have significant investment and institutional interest notably from the EU and established organisations such as NLNet.”
“it's a digital coin that has been in development for a long time and is currently starting to see real use”
“privacy-preserving for consumers, non-blockchain digital cash, and keeps merchant activity taxable”
“If keeps the payer anonymous while letting the government know how much the payee received for tax purposes.”
“it's probably easier to convince a government to adopt GNU Taler than Monero”
“designed to be anonymous for the payer, but payees are always identified”
“use a micropayment system like GNU Taler to pay the websites directly”
“That is a (much better) ecosystem that someone must host and provide.”
“Privacy of cash but the required traceability for merchants.”
“I'd rather have a GNU Taler based system (private for consumers, transparent for the business)”
“the world's first consumer protecting payment system that extends the traditional system”
“They are funded by EU grants, and have a funding program going to stimulate the ecosystem.”
“GNU Taler is a working implementation of "digital cash" in the spirit of Ecash.”
“there are GNU Taler/Chaumian cash type systems that inherit the efficiency of centralized systems with an added privacy benefit.”
Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.