Yes, this helps, thanks.
I already understood the need to avoid private money agents like Paypal, visa, etc. In the UK we have the BACS and FPS systems that allow for direct free money transfer. Though they should be more usable for day to day transactions, they work well enough if you need to send a significant amount of money between bank accounts.
Your explanation of the anonymity seems like the real value add of these digital currencies. The fact this only applies to the buyer and not the seller is a good choice, and definitely wins over blockchain crypto. Looking at it more closely, the fact they use signed tokens rather than proof-of-x is also a very good choice.
I will need to read up on Taler’s docs more closely. But looking at the summary of features on their site something hits me as an immediate problem - you need to “load up” a wallet. If Jane Doe wants to buy a coffee, it’s far easier to just use a bank card (which may interface through a private money agent like visa, or a middleman like google/apple). Loading up private wallets isn’t a difficult concept (it’s how gift cards work), but it does add extra steps of friction that I think will need to be removed before this can really be taken up by the general public.
It may harm the anonymity aspect, but I think that to get people using it a system that could operate like a tap-once-and-done bank card payment, loading up a wallet for immediate spend seems like the best solution. It would also help alleviate any fears that typically are associated with blockchain based digital currency - primarily of losing the signed digital money as it sits in a wallet out with the bank account’s protections. And once the system is normalised and people are used to it, then all the architecture is there for anyone that really needs the anonymity.
I’m surprised VLC fares that badly with CCs encoded this way. Usually it’s pretty good. I’m also now wondering if ffmpeg also shares the same problem