FRANK26….7-27-25…..ALOHA…3%

KTFA

FRANK26….7-27-25…..ALOHA…3%

This video is in Frank’s and his team’s opinion only

Frank’s team is Walkingstick, Eddie in Iraq and guests

Playback Number: 605-313-5163   PIN: 156996#

https://www.youtube.com/watch?v=1MrOKGnxk9o

"Major Move Incoming – If You Own GOLD or SILVER, WATCH THIS NOW!" – Andrew Maguire

"Major Move Incoming – If You Own GOLD or SILVER, WATCH THIS NOW!" – Andrew Maguire

Finance Log:  7-26-2025

China is rapidly advancing a complex and multi-layered gold acquisition strategy that is quietly but decisively reshaping the global financial order.

Renowned precious metals analyst Andrew Maguire emphasizes that Beijing’s ambitions extend far beyond simply hedging against the fluctuations of the U.S. dollar.

 Instead, China is strategically positioning gold as the cornerstone of a new multipolar financial system—one that is firmly backed by tangible assets and designed to operate independently from Western financial institutions and sanctions.

Over the last decade, China has methodically shifted vast quantities of physical gold away from dominant Western paper markets, including London and COMEX, transferring these reserves into tightly controlled domestic vaults, state-owned banks, and military-related entities.

https://www.youtube.com/watch?v=oA-2N3CTyPI

Judy Shelton: Central Banks Set to Trigger Massive Gold & Silver Price Surge!

Judy Shelton: Central Banks Set to Trigger Massive Gold & Silver Price Surge!

Drizzle Zone:  7-27-2025

In this powerful interview, economist and former Fed advisor Judy Shelton reveals how central banks are preparing to make major moves that could send gold and silver prices soaring.

As global financial instability grows and nations race to secure hard assets, Shelton explains why gold and silver are about to play a critical role in a new monetary era.

 Could this be the moment precious metal investors have been waiting for?

Discover what’s driving central banks to accumulate gold

Why silver could experience an even bigger price breakout

How these shifts could impact your wealth and financial security

Don’t miss this urgent analysis – the gold and silver markets may never be the same again!

https://www.youtube.com/watch?v=FegWPAfQr6Q

Iraq Economic News and Points To Ponder Sunday Afternoon 7-27-25

Iraq Ranks Third In The Arab World In The Number Of Bank Cards.
 
July 26, 2025   Baghdad / Iraq Observer   The Prime Minister's financial advisor, Mazhar Mohammed Salih,  confirmed on Saturday that digital transformation in financial transactions is an urgent need to address liquidity challenges, noting that  Iraq ranks third in the Arab world in terms of the number of bank cards issued. 

Saleh said, "Digital transformation in financial transactions has become an urgent need to address liquidity challenges, not just a technical upgrade," noting that

"Iraq ranks third in the Arab world in terms of the number of bank cards issued, an indicator of the development of the financial sector and increased onfidence in government procedures." 

 He explained that "the shift to electronic payments  contributes to the introduction of liquidity into official channels and  enhances  transparency and financial oversight,"
 
calling for "overcoming challenges such as weak trust in banks, bureaucracy, and  fear of oversight by developing infrastructure and  providing incentives to citizens."    
  
https://observeriraq.net/العراق-يحتل-المرتبة-الثالثة-عربياً-بع/    

Iraqi Plan To Extend A Network Of Pipelines To Export Oil And Gas
 
July 26, 2025  Baghdad/Iraq Observer   The Ministry of Oil confirmed on Saturday that the contract to develop the Akkas gas field aims   to increase production in the first phase to 100 million standard cubic meters. While noting that the implementing American company will train the ministry's engineers in the latest technologies, the  Ministry revealed a plan for an export pipeline from the Akkas field and the extension of a network of pipelines within Iraq to export oil and gas.
 
 The Director General of the Central Oil Company, Mohammed Yassin, said, 
"Under the contract signed on July 22, the American company Schlumberger will drill six wells in the Akkas gas field, with the aim of adding 100 million standard cubic feet  to the current production of 45 million standard cubic feet, which is currently managed by national efforts."   

He added,  "The time period agreed upon in the contract is one year, which is sufficient for the targeted phase,"   expressing hope that the goal will be achieved in less than a year. 

 He continued,  "The field's maximum (peak) capacity is 400 million standard cubic feet,  but this phase of the contract targets only 100 million,  which is the first phase."

 He pointed out that "there is a plan to extend an export pipeline from the Akkas field to the Anbar complex station in Hit," explaining that  "the Ministry of Oil also has a plan to extend a network of branch pipelines within Iraq to export oil and gas."  

Yassin pointed out that  "contracting with a reputable international company operating in approximately 85 countries will yield technical gains for Iraq,  through training engineers on the latest technology."

 He emphasized that "there is training for our employees in the Central Oil Company and for new workers in the field."  He pointed out that  "the Akkas field is part of a larger plan, as many contracts were signed, especially last year, and were activated on January 1, 2025.

The most prominent of these is the Mansouriya gas field in Diyala, where oil operations began on January 1, 2025, and are proceeding faster than planned."
 
Regarding personnel, Yassin emphasized, 
"We certainly agree with all foreign companies on the system and policy for employing Iraqi businesses.
 
In this field, the vast majority of workers will be Iraqi, with priority given to employing people from nearby areas,  followed by those from more distant areas."    
  
https://observeriraq.net/خطة-عراقية-خطة-لمد-شبكة-أنابيب-متشعبة-ل/  

Iraq’s Development Road To Include 6 Airports And 15 Industrial Cities
 
    Business Iraq Jawad Al-Samarraie July 26, 2025

 Development Road Project could be key player to Iraq sustainability
 
Baghdad (IraqiNews.com) – Iraq’s Ministry of Transport recently unveiled key outcomes from a pivotal meeting led by Prime Minister Mohammed Shia Al-Sudani regarding the ambitious Development Road project. Held last Wednesday, the session brought together the Minister of Transport, the head of the Supreme Committee for Coordination Between Governorates, and various directors-general, advisors, along with a representative from Oliver Wyman, the project’s economic consultant.
 
Maytham Al-Safi, Director of Relations and Media for the Ministry of Transport,
told the Iraqi News Agency (INA) that discussions around the Development Road project have been continuous.
 
These meetings have involved the Ministry of Transport, other relevant institutions, and both the  Italian technical consultant (BTB) and the economic consultant, Oliver Wyman.
 
Delving into last Wednesday’s meeting,  Al-Safi explained that the Prime Minister stressed a clear commitment to implementing directives, particularly concerning the formation of a committee.
 
This committee will be tasked with determining the final route between Iraq and Turkey,  basing its decisions on technical and economic considerations.
 
Furthermore, the Prime Minister emphasized  resolving all existing challenges within the project and adhering to its strict timelines.
 
The meeting also featured a presentation by Oliver Wyman on the project’s economic and financial model, according to Al-Safi.

This presentation, a culmination of previous discussions with the Ministry of Transport,
outlined the economic framework to be presented to the Prime Minister,
leading to its finalization and preparation for investment offerings.
 
Regarding the project’s current status, Al-Safi confirmed that the preliminary design phase has concluded, and significant progress has been made in the detailed design stage.
 
The Ministry aims to present the project to major international companies by the end of the current year.
 
The project will be strategically divided into sections to encourage competition among global firms,
ensuring their adherence to international standards for successful implementation.
 
Beyond Iraq’s borders, Al-Safi disclosed that several countries are already formal partners in the project, including
     Turkey,
     Qatar, and the
     United Arab Emirates, via signed Memoranda of Understanding. Additionally,
 
another council has been formed, comprising
     Turkey,
     Hungary,
     Serbia, and
     Bulgaria,
representing the European dimension of the initiative.
 
Other nations also aspire to join the project, either in its execution or participation.
 
Al-Safi highlighted recent visits from economic representatives of various embassies in Baghdad to the Ministry of Transport and the Supreme Committee for the Development Road project,
including the Chinese economic advisor last year and the  Australian and  French ambassadors this year.
 
These discussions underscored widespread international interest in the project,
recognizing it as a global endeavor with implications beyond Iraq for the entire region and the world.
 
Ultimately, Al-Safi asserted that the Development Road project is poised to create thousands of job opportunities for Iraqis and fundamentally transform Iraq’s economic transportation landscape.
 
It is also expected to boost the national economic output,  leading to comprehensive Iraqi economic integration,  both domestically and internationally.

The project’s overarching policy aims for seamless connectivity across all sectors.
 
Al-Safi further clarified that the project will  integrate three existing major airports— Baghdad, Basra, and Najaf— and willconnect to three new airports slated to enter service:Nasiriyah, Karbalaa, and the recently opened Mosul airport.
 
Moreover, the project will link to 15 industrial cities, emphasizing its role beyond mere transit. He concluded by stating that
 
the project is an integrated developmental initiative,  benefiting connecting provinces by utilizing their raw materials and generating investment opportunities through local governments, institutions, and ministries.      https://www.iraqinews.com/business/iraq-development-road-airports-industrial-cities/

Experts: Al-Sudani's Field Visits Boost Development And Reduce Corruption
 
Economic 07/27/2025  Morning: Hussein Faleh  Economists consider Prime Minister Mohammed Shia al-Sudani's  visits to the governorates and  his direct monitoring of project implementation  an important step toward accelerating service delivery that directly impacts citizens.
 
They assert that the government has succeeded in advancing development. 
 Economic expert, Alaa Al-Fahd, said in an interview with Al-Sabah: “Al-Sudani focused on paying attention to investment projects and service projects,because the government raised the slogan (government of services), noting that the previous stage witnessed the Prime Minister following up on projects in the field with the governors, as well as opening them and following up on implementation rates through field visits and departments.” Television. He added that
 
Competition between governorates 
 
this has a direct impact on accelerating the pace of progress and stimulating competition between governorates to complete these projects,  particularly with regard to service provision.

He explained that  this has witnessed unprecedented success for the government through its  presence on the ground and its genuine efforts to overcome the obstacles, problems, and challenges  facing the implementation of these projects.  Al-Fahd continued, saying that
 
development projects
 
the projects to relieve bottlenecks in Baghdad represent among the most prominent strategic projects that the government has directly supervised,
in addition to other projects in the governorates that are considered development projects,
as well as gas investment projects, stressing that
 
these field visits constitute a very important positive point and indicate the Prime Minister’s direct interest in the progress of implementing these projects, stressing that
these projects combined have contributed in a real way to pushing Wheel of development forward.

Project completion
 
For his part, economic researcher Abdul Salam Hassan told Al Sabah that
 
the Prime Minister's visits to the governorates
and his direct supervision of project completion
are evidence of the government's sophistication
and keen interest in the service projects citizens need. He added,
 
"We support the Prime Minister because these steps motivate local officials and encourage them to follow up on projects and complete them on time."  

He added,  "These efforts must be accompanied by attention to the citizens, especially the poor and destitute segments in the governorates, as there are families who have no breadwinner, no salary, and no housing."
 
He stressed the need to pay attention to these segments so that achievements are parallel to service and urban projects.
 
Field follow-up
 
Economic expert Nazir Al-Saadi told Al-Sabah:  “The Prime Minister’s field monitoring and presence within the work arena carries many positives, as it enhances implementation capabilities and provides solutions to all challenges facing the project.
 
It also contributes to providing important observations that enhance implementation capabilities through encouragement and facilitation of completion requirements.”

He pointed out that  the Prime Minister's presence on the ground protects the country from the problems of delayed projects. He also ensures that the Prime Minister is fully aware of all projects, ensuring smooth implementation and  protecting the country from the spectre of corruption that haunts the field of work.     https://alsabaah.iq/118047-.html   

For current and reliable Iraqi news please visit:  https://www.bondladyscorner.com

Seeds of Wisdom RV and Economic Updates Sunday Afternoon 7-27-25

Good Afternoon Dinar Recaps,

BRICS Trade Settlements Shift Away from USD: 50% Now in Chinese Yuan

A growing share of BRICS trade is being settled in local currencies, with the Chinese yuan emerging as the leading alternative to the US dollar. According to a recent report from the Official Monetary and Financial Institutions Forum (OMFIF), over 50% of intra-BRICS transactions are now conducted in yuan—a clear signal that the bloc’s de-dollarization efforts are accelerating.

Yuan Gains Ground Within BRICS Bloc

China is actively promoting the use of its currency within the BRICS alliance to settle trade deals, bypassing reliance on the US dollar. OMFIF data shows:

• 50% of intra-BRICS transactions are now settled in the Chinese yuan;

• 80% of Russia’s trade is conducted in national currencies such as the yuan and ruble;

• India and Russia previously executed crude oil trades in rupees and rubles, bypassing the USD.

India alone reportedly saved more than $7 billion in foreign exchange fees through these non-dollar oil trades with Russia before President Trump returned to office in January.

Local Currency Use Rises, But USD Still Dominates Globally

While these intra-BRICS developments are notable, they must be understood in a broader global context:

• The yuan accounts for just 2% of global cross-border payment activity;

• The US dollar remains dominant, used in 88% of all international foreign exchange transactions.

Despite China’s push to internationalize the yuan, its global influence remains limited compared to the dollar. The shift within BRICS, while significant regionally, has not yet translated into a broader global trend.

Political Considerations and Strategic Positioning

The move toward local currency settlements is also being driven by political considerations:

• China, Russia, and Iran are increasingly turning to non-dollar transactions to shield their economies from US sanctions;

• The use of the yuan allows these nations to reduce their exposure to US financial pressure and trade restrictions.

However, this approach is not uniformly embraced across the bloc. India, for example, has distanced itself from the de-dollarization agenda in recent months. Amid concerns over potential US tariffs under the Trump administration, India has issued multiple public statements reaffirming its commitment to using the US dollar in trade.

A Fragmented Future for Global Settlements?

The shift in BRICS trade settlements suggests a growing regional preference for currency diversification. But despite the yuan’s growing role within the bloc, the global monetary system remains firmly anchored to the dollar.

The BRICS de-dollarization agenda may be gaining momentum in isolated corridors, but broader adoption still faces structural, geopolitical, and liquidity-based hurdles. For now, the greenback remains unchallenged on the world stage.

@ Newshounds News™
Source: Watcher.Guru

~~~~~~~~~

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“Tidbits From TNT” Sunday 7-27-2025

TNT:

Tishwash:  ‘My Account’ Project Enrolls 800,000 Public Employees in Push Toward Full Banking Access

The project team confirmed that all remaining public employees across the Kurdistan Region will soon be onboarded, ensuring access to modern banking services for the entire public workforce

The Kurdistan Regional Government’s (KRG) digital financial inclusion initiative, “My Account” (Hezhmary Min), announced on Saturday that over 800,000 public sector employees have now registered in the project and obtained personal bank accounts.

According to a statement, the project team confirmed that all remaining public employees across the Kurdistan Region will soon be onboarded, ensuring access to modern banking services for the entire public workforce.

The announcement follows a significant milestone reached earlier on Thursday, when the project revealed that the salaries of thousands of employees in key ministries—including Health, Education, and Higher Education—had been successfully transferred to their personal bank accounts for the first time.

Additionally, more than 8,000 retirees in the provinces of Duhok, Erbil, and Sulaimani have now received their pensions via personal bank accounts and can access their funds through over 400 ATMs distributed across the region.

The My Account initiative is a central part of the KRG’s efforts to build a more modern and transparent financial system by shifting from cash-based to digital salary payments. It aims to empower individuals by offering broader access to financial services, improving financial literacy, and strengthening economic infrastructure.

Officials say the project offers increased financial autonomy and security, giving every salary recipient in the region the opportunity to manage their finances independently and access a wide range of banking tools previously unavailable to many. link

************

Tishwash:  June salaries will be sent soon, and a representative adds: Unless...

Iraqi parliament member Sarwa Mohammed, representing the Patriotic Union of Kurdistan (PUK), revealed that the federal government will soon send June salaries to the Kurdistan Region, barring an emergency.

“Currently, the Iraqi Ministry of Finance is reviewing the June payroll for Kurdistan Region employees,” Mohammed said in a statement followed by Al-Masry.

She added, "If there are no technical or political obstacles, and the region and Baghdad adhere to their agreement, Baghdad will send July salaries to the Kurdistan Region within a short period."

In a related development, a source in the Kurdistan Regional Government's Ministry of Finance and Economy announced that the ministry will send non-oil revenues to Baghdad this week. The payroll and audit balance sheets were also previously sent to the Iraqi Ministry of Finance  link

************

Tishwash:  Digital transformation is essential to address the liquidity crisis in Iraq.

In a move that reflects a growing awareness of the importance of financial modernization, the Prime Minister's Financial Advisor, Dr. Mazhar Mohammed Salih, emphasized that digital transformation in financial transactions is no longer a technical option, but rather an urgent economic necessity to address liquidity challenges and achieve stability in the Iraqi financial system.

In a statement monitored by Al-Mustaqilla, Saleh noted that Iraq ranks third in the Arab world in terms of the number of bank cards issued, reflecting clear progress in developing the financial infrastructure and increasing confidence in government measures to address digital transformation.

He explained that the shift to electronic payments not only contributes to reducing reliance on cash, but also plays a pivotal role in introducing liquidity into official channels and enhancing transparency and financial oversight—essential goals for building a modern, more crisis-resistant economy.

Despite the progress, Salih stressed that Iraq still faces significant challenges, most notably weak trust in banks, bureaucracy, and fear of oversight. He called for overcoming these obstacles by developing digital infrastructure and providing direct incentives for citizens to use electronic payment methods.

These statements come at a time when the Iraqi government is working to accelerate financial inclusion by requiring government institutions and private sector companies to adopt electronic payments, reflecting a strategic direction toward a more transparent and sustainable digital economy.

Abstract: The financial advisor's statement indicates that digital transformation is not merely a technological development, but rather a comprehensive economic strategy aimed at addressing the structural challenges in the Iraqi financial system, which requires political will, a secure banking environment, and increased community trust.  link

Mot .. Get ?Rid of It!!!??? -- NOOOOO Way!! -- Best Hat I Ever ~~~

Mot:  Ya Hot!!! - Just Saying !!!!  

News, Rumors and Opinions Sunday 7-27-2025

KTFA:

Frank26:  "IMO...ELECTRONIC PAYMENT SYSTEM IS FOR A NEW EXCHANGE RATE."....F26

 The Central Bank issues new decisions regarding electronic payment services (document)

7/24/2025

 The Central Bank of Iraq issued several decisions on Thursday regarding banks, electronic payment service providers, and cash withdrawal fees.

A letter issued by the bank and received by Shafaq News Agency stated that "withdrawal fees are deducted electronically, and citizens are not required to pay any fees directly to banking outlets."

It also stipulates that "banks and companies compete to provide their services to the public to achieve the public interest and improve service,” while the book sets minimum commissions. LINK

Frank26:  "IRAQ'S STOLEN WEALTH RETURNS".....F26

Worth $100 billion: Iraq's "mysterious wealth" on three continents revealed

7/24/2025   Baghdad

The British website " Amwaj " reported on Thursday that Iraq is facing major challenges and complications in recovering "lost properties" in Asian, African and European countries, estimated at a value of approximately $100 billion. It confirmed that these properties include palaces and villas located in France, Italy, Spain and Britain, "tea, rubber and tobacco" plantations in Malaysia, Sri Lanka and Vietnam, an oil refinery in Somalia, in addition to agricultural lands in Nigeria and Yemen .

The website indicated in a report translated by Shafaq News Agency that "the Iraqi parliament's Foreign Relations Committee launched an initiative in June to recover billions of dollars in state assets believed to be scattered across Africa, Asia, and Europe. This move came just weeks after Somali President Hassan Sheikh Mohamud informed his Iraqi hosts during the recent Arab Summit that an oil refinery built by the Iraqis outside Mogadishu in 1974 was still intact, but had long been neglected ."

According to the report, "The news of the neglected oil facility prompted Iraq to deeply reevaluate its efforts to access the country's long-neglected foreign assets. During the global oil boom, and after Baghdad nationalized its oil industry in 1972, Iraq made a wide range of acquisitions and investments, including luxury real estate in Europe, farms in Asia, refineries in Africa, and other projects aimed at expanding Iraq's economic influence, diversifying its resources, and strengthening diplomatic relations under the rule of former President Saddam Hussein ."

The report continued, "After the imposition of international sanctions in the 1990s, many of these assets were suddenly frozen, and the situation became more opaque after a large portion of these assets disappeared from Iraqi records following the 2003 invasion. Stolen archives, destroyed documents, and fraudulent transfers to private entities created a legal ambiguity surrounding these assets ."

He pointed out that "efforts to recover these properties and assets began in the mid-2000s, with more than $2.5 billion in frozen funds likely recovered, but physical assets have been largely ignored." He explained that "there is speculation that many properties have been sold illegally, while others appear to have been neglected or fallen under the control of other individuals or entities, sometimes even armed groups ."

The report noted that "in many cases, the Iraqi state is no longer aware of these assets, leading to what lawmakers and local media have dubbed 'forgotten wealth.'" In 2021, the Parliamentary Integrity Committee estimated that up to $240 billion in public funds, including foreign assets, had been smuggled abroad or even embezzled .

He noted that "Iraqi lawmakers now estimate that at least 50 major assets abroad remain unaccounted for, believed to be worth between $80 and $90 billion, although some estimates put the value at as high as $100 billion." He added that "the news of the Iraqi oil refinery near Mogadishu has raised concerns among Iraqi lawmakers about the need to do more to address the state's neglected assets abroad. The House of Representatives has also called on the Ministry of Foreign Affairs to take urgent steps to identify and recover foreign assets and investments ."

The report added, "While a special parliamentary investigation committee was formed to follow up on the issue and coordinate with relevant ministries, the Iraqi government launched a global search campaign and tasked a group of government agencies with verifying ownership, addressing legal obstacles, and facilitating its recovery. Meanwhile, the authorities launched a project to map historical assets to rebuild Iraq's foreign portfolio, drawing on embassy records and the expertise of retired diplomats. The ultimate goal of these steps is to prepare a comprehensive master list of state assets and direct diplomatic and legal efforts to recover them ."

He pointed to "major obstacles, including property disputes, as legal ownership documents may become ambiguous over time, or the occurrence of illegal sales, which will force Iraqi authorities to provide conclusive evidence for their cases before foreign courts," adding that "the situation has become more complicated with the loss or theft of original documents after the collapse of the regime in 2003. "

The report stated that "nullifying some unauthorized transactions may require lengthy legal battles. Iraq does not guarantee diplomatic cooperation from host countries, as some governments are believed to have shown reluctance or slowness in providing assistance. There are also complications related to the fact that some armed groups or informal settlers have occupied properties in the area," calling on Iraqi authorities to "press hard to regain control of foreign assets ."

“With federal government revenues estimated at 147.8 trillion Iraqi dinars ($123.2 billion) in 2024, more than 90% of which are oil revenues, recovering 10% of this lost wealth abroad could help bolster Iraq’s public budgets,” she explained. “This issue will test the seriousness of ongoing efforts in the coming months. If successful, Iraq will have succeeded in diversifying the economy and strengthening public confidence in governance. It will also signal a broader shift in how Iraq confronts its long and ongoing legacy of corruption and mismanagement .”   LINK

************

Courtesy of Dinar Guru:  https://www.dinarguru.com/

Walkingstick  Pay close attention.  They're telling you the  official rate and the market rate of the Iraqi dinar and the US dollar that the gap is less than 4%.  This is big.  The reason why is because one of the line items in the 2025 budget that maintains their IQD value is a margin of +/- 2%...This is dangerously close. 

Frank26   Everything that is required for the monetary reform in [Iraq] to be successful and not fail with the Iraqi citizens is coming perfectly together.  It is being put in position.  In fact, it's already all be agreed upon.  There's nobody that rejects it...Everything we see has been agreed upon and is imminent.  I am excited because I believe I know the truth of the monetary reform...

Mnt Goat   ...There is going to be a situation soon that will allow the CBI to conduct the Project to Delete the Zeros and then move on to the reinstatement...

ALERT: The $1 Billion Silver Short That Could END Bank of America TOMORROW! - Andy Schectman

Financial Wisdom:  7-26-2025

0:00 - Potential massive silver short and market implications

0:31 - Fragility of the monetary system and loss of cultural trust

1:30 - Speculation on a new monetary system and role of gold

 2:47 - Global movement away from Western financial dominance

 3:48 - Silver's strategic importance and global accumulation trends

5:53 - Historical resistance levels and arbitrage with Shanghai

7:01 - Commercial short positions and silver market manipulation

 9:03 - Technical breakout potential and systemic banking risks

10:44 - Global central bank gold accumulation and hidden buying

12:58 - Physical gold shortages and market instability warnings

14:02 - Platinum backwardation and market stress signals

16:13 - Standing for delivery trend and global shift to commodities

17:54 - China’s opaque physical gold and silver accumulation strategy

https://www.youtube.com/watch?v=Dkjj9v__QXE

Iraq Economic News and Points To Ponder Sunday Morning 7-27-25

The Dinar Is Recovering. Four Painful Blows To The Parallel Dollar Reveal The Successes Of The Iraqi Economic Program.

July 26, 2025  Baghdad / Iraq Observer 
 
The US dollar in Iraq is witnessing significant  and sustained decline against the national dinar, following a significant period of fluctuation far from the official exchange rate.  This was not arbitrary,  but rather the result of a comprehensive economic policy pursued by the Iraqi government as part of a reform vision it envisioned within its program.  Amid escalating debate over the stability of the Iraqi market and the varying indicators associated with the dollar exchange rate, the  Prime Minister's financial advisor, Mazhar Mohammed Salih,  issued detailed statements revealing the reasons for the continued decline in the value of the dollar on the parallel market,  compared to a significant rise in the strength of the Iraqi dinar.

He also emphasized that this  shift was not a coincidence,  but rather the direct result of a series of coordinated government measures across  monetary, fiscal, and  trade policies implemented over the past two years.
 
*4 main reasons 
 
Saleh attributed the decline in the dollar exchange rate on the parallel market,
     which is now approaching the official rate, to four main reasons. Speaking to Iraq Observer, he said,
 
"The first factor is the  strict legal ban on dollar trading in domestic transactions, particularly in the real estate market, which is   one of the largest and strongest financial markets in the country.
 
This has reduced the scope for informal foreign currency trading."  He added that the second reason relates to "the shift in monetary policy toward direct foreign exchange support via international banks that correspond with national banks for external transfer purposes,
 
     in contrast to the discontinuation of the Central Bank's currency selling window at the beginning of this year." He noted that "this policy has limited  reliance on the parallel market and the  risks of unsafe and high-cost financing."  

Observers describe this step as "not just a technical choice,
but rather a comprehensive strategy to connect Iraqi banks to the international financial system without the need for dubious or unclearly compliant local channels.
 
Thus, the map of foreign transfers was redrawn to be conducted legally and regulated,  gradually reducing the influence of the parallel market and currency exchange companies, which had previously  acted as intermediaries between importers and exporters and  set prices as they pleased."
 
* Liberalization of small importers 
 
The third reason, according to the government advisor, relates to  “small importers’ access to the official foreign currency financing network  without the need for intermediaries from money transfer companies.
 
This has  enabled them to import at a fixed, official exchange rate and has contributed to   reducing costs and  enhancing compliance, especially since   this segment represents approximately 60% of the volume of foreign trade.”

He emphasized that “this facilitation came about thanks to government measures that reduced administrative bureaucracy.”  With this opening,  exchange rates for these traders became fixed at the official rate (1,320 dinars to the dollar), which  caused the parallel market to lose a large segment of its customers,  who had been the primary fuel for the increased demand for dollars outside of official channels.  

He pointed out that the * Payment cards... another reason
 
fourth factor is the "expansion of the culture of using foreign currency electronic payment cards among travelers over the past two years,   rather than putting pressure on the cash dollar market, in addition to the availability of cash dollars to travelers at airports through national banks,   subject to flexible and highly compliant regulatory controls."
 
In the past, travelers preferred to carry large amounts of dollars in cash,   creating additional demand for hard currency in the local market,   especially during travel, tourism, or study seasons.

Consequently, the  switch to bank cards has contributed to  market stability and  reduced speculation. Saleh concluded his remarks by emphasizing that "the price defense policy adopted by the state, through the  establishment of cooperatives for consumer goods and the  construction basket funded at the official exchange rate of 1,320 dinars to the dollar, represents an integral part of the success of economic policy in Iraq,  through the harmonization of  monetary, financial, and   commercial efforts within the government program."
 
With the  continued flow of dollars into official channels, the expansion of financial oversight tools, and the  promotion of a culture of electronic payments,  the Iraqi dinar is now gradually approaching the rate officially set by the Central Bank of Iraq.
 
* Government efforts...the decisive role 
 
For his part, economic expert Safwan Qusay says that the dinar's appreciation against the dollar comes against the backdrop of the  Central Bank of Iraq's reserves rising to more than $97 billion, in addition to  gold reserves exceeding 132 tons.
 
This boosts  confidence in the Iraqi economy and  provides significant support to the value of the local currency.  In an interview with Iraq Observer, the economic expert emphasized the  positive outlook for increasing non-oil revenues and the  government's ongoing efforts to  halt gas  flaring and develop energy and development projects.  

He noted that adjusting the public spending structure toward sustainability plays a crucial role in achieving economic and financial stability.  

According to Qusay, maintaining and developing positive relations with the United States and the Gulf states could significantly boost the value of the Iraqi dinar,
especially following US President Donald Trump's speech encouraging support for US exports to Iraq.
 
Qusay emphasized that the  exit of Syria and Lebanon from the risk zone directly contributed to supporting financial stability in Iraq,  which positively impacted the dinar exchange rate.    https://observeriraq.net/الدينار-يستعيد-عافيته-أربع-ضربات-موجع/

Secret Meeting In Istanbul: Washington Threatens New Financial Sanctions On Iraq
 
July 25, 2025 Last updated: July 25, 2025  Al-Mustaqilla/- An informed source revealed to Al-Mustaqilla that  an unannounced meeting was held in Istanbul in recent days, bringing together the  Assistant Chairman of the US Federal Reserve and a  high-ranking delegation from the Central Bank of Iraq.

The source stated that the meeting came at the urgent invitation of the US to discuss critical developments in the file of financial transfers and   Iraqi banking transactions. According to the source,
 
the US side informed the Iraqi delegation that new financial sanctions are under preparation,  to be imposed on a number of Iraqi banks and financial institutions,  due to what the US side described as  "continued violations" in international transfer systems and the   failure of some Iraqi entities to comply with international guidelines to  combat money laundering and   terrorist financing.  

The source indicated that   Direct warnings 
 
the Iraqi delegation received direct warnings of the possibility of freezing additional assets and  imposing restrictions on dollar accounts  if urgent measures are not taken to regulate the Iraqi financial system and  prevent suspicious flows through some Iraqi banks and companies.
 
A new crisis is looming 
 
These developments come amid escalating tensions between Baghdad and Washington over economic and security issues, most notably restrictions on dollar transfers and US accusations against some Iraqi entities of dealing with entities on sanctions lists.
 
Observers believe that the new sanctions, if implemented,  will deal a severe blow to the Iraqi banking system and  could lead to a further deterioration in the value of the dinar and increased pressure on the local market at a time when the Central Bank of Iraq is trying to  revive investor confidence and  stabilize the exchange rate.
 
No official comment yet 
 
As of the time of writing this report, no official comment has been issued by the  Central Bank of Iraq or the  US Embassy in Baghdad   regarding the content of the meeting or the content of the warnings contained therein.   https://mustaqila.com/اجتماع-سري-في-إسطنبول-واشنطن-تهدد-بعقو/ 

Monetary Policy, Monetary Stability Approach, And Digital Transformation 2023-2025
 
Economic 07/27/2025 Baghdad: Morning  Among the new economic publications, the book 
"Monetary Policy in Iraq, Monetary Stability Methodology, and Digital Transformation 2023-2025" 
     was released by financial expert Samir Al-Nusairi.
 
This book addresses several economic and monetary themes, reflecting the Central Bank of Iraq's orientations and its financial and banking reform policies in recent years, specifically for the period 2021-2026, with  a strategic outlook extending to 2025. 
 
Chapter One: The Central Bank and Opportunities
 
monetary stability
 
The author sheds light on the methodology of monetary policy, discussing the functions  and  objectives of the Central Bank of Iraq, the challenges facing monetary policy, and presenting   the steps towards monetary stability and the pillars of monetary policy for the period 2021–2023.
 
Chapter Two: Digital Transformation and Financial Inclusion
 
The chapter reviews the Central Bank's efforts in  digital transformation, developing electronic  payments, and  supporting financial inclusion, in addition to  developing payment and systems  government support for  information technology and   cybersecurity. 
 
Chapter Three: The Central Bank's Strategy for Financial and Banking Reform 2024-2025
 
This chapter covers the strategic objectives of the reform, the Bank's vision for 2025, the  activation of economic measures, the regulation and financing of trade, and the  management of economic challenges and variables. 
 
Chapter Four: Government Support for Achievement
 
banking reform
 
The importance of cooperation between  government agencies and the Central Bank is highlighted,
 
with discussions on the comprehensive banking reform project, the role of the private banking sector, the  International Monetary Fund, and the  vision for reform in Iraq.
 
 
Chapter Five: Exchange Rates  and Recovery Procedures
 
It addresses the  causes of exchange rate fluctuations, the  factors affecting stability,  particularly the difference between the official and parallel rates, and the government's role in stimulating the private banking sector.  https://alsabaah.iq/118049-.htm

For current and reliable Iraqi news please visit:  https://www.bondladyscorner.com

Seeds of Wisdom RV and Economic Updates Sunday Morning 7-27-25

Good Morning Dinar Recaps,

Trump Era Sparks Crypto Lobbying Boom: 27 Firms Make History With First-Time Filings

The U.S. crypto industry is rapidly mobilizing its political influence, with at least 27 companies and advocacy groups filing first-time federal lobbying disclosures in recent months. The shift, detailed in a new report by The Hill, marks an aggressive move by digital asset firms to help shape the future of regulation under a more favorable political environment.

Lobbying Intensifies Amid Regulatory Momentum

According to the report, crypto newcomers—including firms in NFTs, prediction markets, and gaming—have poured nearly $2.8 million into lobbying efforts between April and June 2025. Their lobbying targets include the Treasury Department, Securities and Exchange Commission (SEC), and other key federal regulators.

In total, 73 crypto companies and associations were active in Washington during this period, spending a combined $11.4 million on lobbying.

Notably, Seychelles-based exchange KuCoin led all new participants, spending $1 million despite being barred from the U.S. market for at least two years due to prior regulatory violations.

Policy Wins: GENIUS and CLARITY Acts Lead the Way

The surge in political activity coincides with the passage of the GENIUS Act, a bipartisan bill establishing a federal framework for fiat-backed stablecoins. This legislation is viewed as a significant victory for the crypto lobby and has paved the way for further efforts.

The House has also advanced several additional bills during what some dubbed “crypto week,” including:

• The CLARITY Act, offering a legal structure for broader crypto asset regulation.

• An Anti-CBDC bill, which aims to prohibit the Federal Reserve from issuing its own central bank digital currency.

These developments reflect the industry’s shift from defensive regulatory positioning to proactive legislative engagement.

Beyond Bitcoin: Expanding Industry Footprint

Lobbying disclosures reveal a wide array of crypto use cases behind the push for favorable policy:

• Bitdeer Technologies, focused on Bitcoin mining, is working to address energy and currency concerns.

• Polymarket (operating as Blockratize) promotes crypto-based betting markets for real-world events.

• Gala Games gained attention for sponsoring the White House’s Easter Egg Roll, positioning crypto gaming in the national spotlight.

The Solana Policy Institute’s CEO, Miller Whitehouse-Levine, emphasized that the challenge isn’t technological innovation—but navigating legacy legal frameworks.

“The pendulum has swung from one extreme to another,” Whitehouse-Levine said. “We need regulatory consistency that allows innovation to flourish without overcorrecting in either direction.”

Looking Ahead: Senate Holds the Key

The crypto sector is now lobbying the U.S. Senate to take up the CLARITY Act, which could solidify federal oversight and classification of crypto firms. Industry leaders are also backing continued restrictions on a federal CBDC, aligning with broader concerns about government-controlled digital currencies.

As the political climate continues to evolve, the Trump administration’s deregulatory stance has emboldened the industry. But advocates remain cautious, hoping to avoid the policy whiplash that defined earlier years.

The message from the crypto sector is clear: They’re here to shape the rules—before the rules shape them.

@ Newshounds News™
Source: bitcoinist.com

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Public Debt Donations Go Digital: U.S. Treasury Now Accepts Venmo and PayPal

In a notable intersection of consumer fintech and public finance, the U.S. Department of the Treasury has authorized citizens to contribute directly toward reducing the national debt using payment platforms Venmo and PayPal. The decision modernizes a decades-old initiative and reflects an evolving strategy in citizen engagement amid record-high federal debt levels.

A New Interface for an Old Program

The update comes under the “Gifts to Reduce the Public Debt” program, which has existed since 1996 but has gained little attention or traction. Since inception, the program has raised only $67.3 million—an amount that is negligible when compared to the current $36.7 trillion national debt.

According to the Treasury:

• Citizens can now make voluntary debt-reduction donations via Pay.gov using PayPal or Venmo;

• The debt has increased 87 percent since 2010, when it stood at $19.59 trillion;

• The initiative aims to make public contributions more accessible, particularly for younger, tech-savvy users accustomed to mobile payment systems.

While the move brings convenience and visibility to a long-overlooked program, reactions from financial experts have been skeptical.

Samson Mow, CEO of bitcoin infrastructure firm JAN3, dismissed the measure as symbolic. "It's like sending bitcoin to a burn address," he remarked, suggesting the donations have no meaningful impact on fiscal sustainability.

Fiscal Policy in the Spotlight

The new donation pathway also comes as national debate intensifies over the fiscal implications of former President Donald Trump's proposed tax reform, dubbed the “Big, Beautiful Bill.” The Congressional Budget Office (CBO) projects the bill could add $3.4 trillion to the federal deficit over the next decade.

This trajectory has drawn strong criticism from both public figures and economists. Elon Musk has openly criticized the move to raise the debt ceiling by $5 trillion, while hedge fund manager Ray Dalio warned that the U.S. is on an unsustainable fiscal path.

“We are spending 40 percent more than our income,” Dalio said, warning of the risk of a “deadly debt spiral” if major reforms are not enacted. He estimates the probability of a “financial trauma” due to a loss of confidence in U.S. debt now exceeds 50 percent.

To stabilize the situation, he recommends cutting the deficit from nearly 7 percent of GDP to just 3 percent, through a combination of spending reductions and increased tax revenues.

Government Response and Revenue Projections

Treasury Secretary Scott Bessent, in contrast, has taken a more optimistic tone. He asserts that Trump’s fiscal plan will produce net benefits over the long term, particularly due to new tariffs projected to raise $2.8 trillion over the next ten years. He also claimed that customs duties could bring in $300 billion this year alone—nearly 1 percent of GDP—and cited a reported budget surplus in June as evidence of positive momentum.

Nonetheless, the fundamental structural challenges remain. While enabling Venmo and PayPal donations is a notable technological step, it does little to address the deeper issues shaping the country’s fiscal trajectory: rising entitlement costs, political polarization, and diminishing global confidence in the U.S. dollar’s primacy.

As the national debt continues to grow and the world watches U.S. fiscal policy evolve, the core issue is no longer whether the debt is sustainable—but how much longer it can be sustained.

@ Newshounds News™
Source: CoinTribune

~~~~~~~~~

HKMA Signals Caution on Stablecoin Licensing Amid Market Euphoria

As Hong Kong's new stablecoin legislation is set to come into effect on August 1, the Hong Kong Monetary Authority (HKMA) is moving to temper industry expectations. Amid a surge of interest from firms eager to enter the stablecoin market, HKMA CEO Eddie Yue has cautioned that only a small number of licenses will be granted initially—and that even licensed entities will face stringent compliance burdens.

Stablecoin Rules Take Effect as Market Activity Surges

The legislation, passed in May, has already triggered a spike in stock prices and token valuations following announcements from various firms with stablecoin ambitions. However, the HKMA is taking steps to curb what it sees as excessive optimism and speculative behavior.

Eddie Yue warned of the need to “further rein in the euphoria,” emphasizing that:

• Only a limited number of stablecoin licenses will be issued at the outset;

• Most applicants are likely to be disappointed;

• Priority may be given to firms already involved in the HKMA’s Stablecoin Sandbox.

Participants in the sandbox include notable entities such as a consortium led by Standard Chartered, JD Coinlink (a subsidiary of Chinese e-commerce giant JD.com), and RD InnoTech. However, Yue made it clear that even priority status does not guarantee approval.

Profitability, Scaling, and Compliance Challenges

Yue also cast doubt on the immediate profitability of early stablecoin ventures. This is partly due to the impending rollout of robust anti-money laundering (AML) regulations, which are expected to go live alongside the licensing framework next week.

In his view:

• The new rules will introduce “stringent regulatory requirements”;

• These rules will “inevitably limit the room for stablecoin businesses to scale rapidly in the short term”;

• Discussions around stablecoins often remain “idealistic,” lacking concrete, commercially viable use cases.

Yue noted that dozens of companies have contacted the HKMA to discuss stablecoin initiatives. Yet most of the proposals remain conceptual, lacking technical depth and clear risk management strategies. Some firms, he observed, might benefit from partnering with more experienced entities to navigate the complex regulatory landscape.

Licensing Process to Launch in August

The HKMA is expected to formally unveil its stablecoin license application process next week. While Hong Kong’s regulatory approach is seen as a step forward in establishing clear digital asset frameworks, the cautious tone from regulators underscores the city's emphasis on compliance, risk control, and market stability.

As firms continue to explore the stablecoin space, Hong Kong’s measured rollout signals a deliberate effort to foster innovation—without compromising the integrity of the financial system.

@ Newshounds News™
Source: Ledger Insights

~~~~~~~~~

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FRANK26….7-26-25….ALOHA….FIGHT FIGHT FIGHT

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Trump-Powell Explodes, Why Slashing Rates Now Would be a Disaster

Trump-Powell Explodes, Why Slashing Rates Now Would be a Disaster

Daniela Cambone:  7-25-2025

In a world grappling with persistent inflation and market uncertainty, Todd “Bubba” Horwitz, founder of BubbaTrading.com, has issued a striking forecast for gold, suggesting the precious metal could soar close to $4,000 by the end of 2025.

Today, in an insightful interview with Daniela Cambone on ITM Trading, Horwitz elaborated on his bullish stance, contending that gold and silver are far more than mere inflation hedges; they are essential “lifeboats” in an increasingly manipulated financial landscape.

According to Horwitz, the current inflationary pressures are not transient. “This inflation is not going away,” he asserted, painting a stark picture of an economic environment where the purchasing power of traditional currencies continues to erode.

He squarely placed accountability on the Federal Reserve, criticizing its interventions. “The Federal Reserve is doing everything but letting free markets work,” Horwitz stated, implying that the central bank’s actions are distorting natural market mechanisms and exacerbating underlying issues.

A significant concern for Horwitz is the potential for premature interest rate cuts. He issued a grave warning, suggesting that such a move could “destroy the market system as you know it.” In his view, the delicate balance of the financial system is at risk, and ill-timed policy decisions could trigger widespread instability.

In this climate of economic uncertainty and perceived market manipulation, Horwitz’s advice to average Americans is clear and resounding: seek refuge in real assets.

He passionately argued that only commodities like gold and silver can offer true protection against a “broken financial system.” For Horwitz, these precious metals aren’t just investments; they are fundamental safeguards against systemic vulnerabilities.

His projection for gold reaching near $4,000 is not just an optimistic outlook but a reflection of gold’s growing importance as a safe haven asset in an environment characterized by unchecked inflation and a lack of faith in institutional interventions.

As Horwitz sees it, the trajectory of gold is inextricably linked to the ongoing fragility of the global financial system.

For a deeper dive into Bubba Horwitz’s insights on market manipulation, the Federal Reserve’s policies, and the vital role of precious metals in safeguarding wealth, the full video from ITM Trading with Daniela Cambone is highly recommended.

https://youtu.be/CbX6sIoR-o4