GNU Taler looks interesting, but is it usable today?
It's apparently designed around exchanges, and I don't see any exchanges mentioned on the site. Do any actually exist?
The FAQ mentions depending on wire transfers, which have famously high fees that would have to be passed on to users somehow. Aggregating payments into delayed settlement transfers could mitigate that cost between high-volume organizations, but it won't help people who just need send money to each other. (Meanwhile, ACH transfers are practically free, but I don't know if they fit Taler's design or plans.) Does Taler have a plan to solve this?