TAL – The Future of Cash

The Problem

Why does the world need TAL ?

Tal is designed to offer businesses and individuals maximum liberty and safety in cash management. Cash is freedom to act, it is at the heart of all future projects, and needs to be readily available at full value to seize new opportunities, or to protect and develop existing patrimonial holdings and operations.

However, cash is constantly threatened by two major risks :

Loss of ownership and availability

Since the vast majority of cash is held in bank accounts, it belongs to the bank in question, and consequently has to be reclaimed before being used for your required purpose. This implies risk of delays, or even risk of total loss in the case of bank default. This also implies that your cash is being leveraged by banks for investments solely for their own needs, without your say, or even your knowledge.

Loss of stored value

Usually kept in one or very few currency(ies), the value of your cash in terms of global purchasing power is impacted daily by the "strength" of the holding currency compared to others. This implies volatility, and in some cases, when resorting to the US Dollar is involved, the risk of being exposed to the extraterritoriality of US law.

Whilst not everyone is aware of these risks, those who are have yet to find an alternative viable solution. TAL is designed precisely as a viable protection solution to storing your cash off your bank's balance sheet, and also as an alternative to maintaining its value despite current currencies imposing their fluctuation on your purchasing power.

The Solution

How can this be achieved ?

✓

Entrust your cash to a Swiss Fiducie (fiduciary) contract under Swiss Law, specifying that your cash is yours only, and that TAL is only authorized to store it and protect it.
✓

Exchange your cash for a proven liquid and less volatile quasi-monetary asset called the TAL, a basket of 6 top currencies and physical gold, to protect its value in terms of global purchasing power. The TAL is composed of Swiss Francs, Euros, British Pounds, Japanese Yen, Chinese Yuan, Singapore Dollars and physical gold, all of which are mainly stored in safe deposit boxes.
✓

Join a community of screened TAL members with "clean" cash, having been selected in compliance with Swiss KYC and AML regulation (Know Your Customer and Anti Money Laundering)
✓

Be part of the TAL control mechanism by choosing, through frequent and regular voting, the auditors in charge of verifying the permanent availability of your protected cash
✓

Benefit from an information system based on blockchain technology, guaranteeing that neither your rights under the Fiducie Contract, nor the amount of cash protected can be tampered with, internally or externally
✓

Be protected from the extraterritoriality of US Law by not being exposed to the US Dollar.

The robustness of the system stems from the fact that you can trust all its components based on legal, regulatory and technological elements that are easily auditable by every member of the TAL community. Consequently, you can be assured that it is the best option to take back control of your cash and the freedom attached to it.

Join the first system which frees you from the straight jacket of the traditional bank industry and over dependance on single currencies, and be protected from both the volatility of the US Dollar and the extraterritoriality of US Law by zero exposure to the US Dollar.

Take back control of your cash thanks to the TAL !

Who It's For

Examples of how TAL protects individuals and businesses cash

TAL as a shield for HNWI

The number one problem for High Net Worth Individuals (HNWI) is not to increase their patrimony but to protect it. The two main issues are inflation and fear of failure of financial institutions.

TAL is designed for the best protection of the cash component of HNWI patrimony held in bank accounts, independently of geographical location. TAL radically reduces the risks of losing ownership and/or value of approximately 20 trillions CHF held by NHWI in bank accounts worldwide.

TAL for Start-ups and Scale-ups

Treasury patterns of start-ups are specific due to the vital importance of fundraising cycles. Cash is at the maximum just after fundraising, and then decreases in accordance with the burn rate. This cash is kept in bank accounts, bearing the risks associated with the bank in question, such as default or delayed availability, as recently (spring 2023) illustrated by the Silicon Valley Bank incident.

Scale-up cash is often used for international development, introducing the management team to the complexity of multiple currency management.

In order to secure constant availability, we recommend that start-ups cash be exchanged into TAL, thus taking back its ownership, securing its value, and simplifying currency management (TAL can be changed into most convertible currency on demand).

TAL protection for "small" currencies

In many countries or monetary zones, it is common to keep large amounts of so-called strong currencies, mainly US Dollars, as an alternative to the local currency. This approach is seen as an efficient way to reduce the risk of loss of the cash value, and to facilitate international payments.

To further reduce this risk with a better value proposal and protect oneself from the extraterritoriality of US law when recurring to the US Dollar, TAL is the perfect complement, or alternative to existing diversification tactics.

TAL for the crypto-industry

Many players, individuals or businesses, or organizations such as DAO and Protocols, keep important amounts of stablecoins (in excess of 250 billions CHF worldwide according to Taurus in January 2026) in their wallets to reduce their exposure to the large volatility of crypto-assets value expressed in traditional currencies.

These stablecoins are for the most part pegged to the US dollar (USDC and USDT represent the bulk). Nevertheless, these stablecoins bear three sorts of risk : the risk of the issuer not being able to convert the stablecoins into hard currency, the risk that the US Regulatory entities decide to block, or to make very difficult the exchange of tokens into USD, and the risk of loss of value which is entirely linked to USD volatility, and exchange rate fluctuations against other currencies.

Moreover, according to the VISA survey on stablecoins (October 2024), in numerous countries in Latin America, Africa or South East Asia, in more than 40% of holder usage, stablecoins are kept independently of crypto trading as a personal currency reserve.

In order to secure the availability and value of treasury held in stablecoins, we recommend their exchange into TAL as the safest move.

The FINMA has issued a non-action letter regarding a tokenized version of the TAL.

TAL for ESG-conscious cash holders

Cash kept on bank accounts is invested by the bank according to its own criteria without any client consultation and for the bank sole purpose. These investments may contribute to activities or sectors or countries that the banks' client (individual or business) do not wish to support.

For example, the impact of 10.000 CHF (or EUROs or USD) kept on a bank account is approximately between 4 and 6 (depending on the bank) tons of CO2 of emission per year. [source : Carbon4.com]

If you wish to reduce this impact, the TAL is an excellent alternative to bank accounts : the cash you protect is not invested and remains your sole property.

Contact : alain@wearetal.org

TAL as an alternative to international transaction payments

For a many years, multiple countries have been looking for an alternative to the US Dollar as a means of settling cross border payments. The idea of creating a BRICS currency has taken form in the past months but political obstacles may delay or condemn its existence.

In the meanwhile, private actors looking forward to using such an alternative may resort to the meta-stable TAL for their transactions, and consequently avoid risks of extraterritoriality of US Law if using US Dollars.