It's not a CBDC, but it's not in competition with a CBDC either. I'm most curious how this is different from GNU Taler. I guess Taler is still ledger-based ins

It's not a CBDC, but it's not in competition with a CBDC either. I'm most curious how this is different from GNU Taler. I guess Taler is still ledger-based instead of hardware-based?