Journal

Notes fromthe ledger

Product changes, how the rate is set, and the occasional long read on how money actually moves.

Featured · 12 min read

How we set the rate, and why it moved this month?

A walk through the deposit facility, our margin, and the promise we made in 2021 to pass the rest through.

Sofia Alvarez, Chief risk

4 September 2026

Thaler Journal

Overnight Compounding: Why Your Balance Earns Every Single Midnight

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Thaler Journal

Inside Thaler's Security Architecture: Zero-Knowledge by Default

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Thaler Journal

The Design of Physical Money: Crafting the Thaler Titanium Card

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Thaler

A bank account that behaves like it is yours. Interest on everything, mid-market exchange, people who answer.

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© 2026 Thaler. Thaler is a trading name of Thaler Bank N.V., licensed and supervised in the European Union. Deposits are protected up to €100,000 under the applicable deposit guarantee scheme. Interest rates are variable and may change. This is demo copy — replace with your own regulatory text.

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