Seeds of Wisdom RV and Economic Updates Thursday Morning 1-2-25

Good Morning Dinar Recaps,

BRICS NEWS: TURKEY BACKTRACKS ON ALLIANCE, JOINS SAUDI ARABIA

▪️Turkey and Saudi Arabia won’t join BRICS as both nations pulled back their membership plans.

▪️Trump’s planned return and threats of heavy tariffs on nations moving away from the U.S. dollar have made countries hesitant to join the economic bloc.

Turkey has withdrawn its interest in joining the BRICS economic alliance. Turkey’s decision aligns with Saudi Arabia’s, marking a significant setback for the bloc’s expansion plans ahead of 2025. The move is regaining momentum in light of escalating geopolitical tensions and the risks of American action against countries trying to lessen dollar dependence.

Key Nations Step Back from BRICS Membership

Turkey’s failure to go forward with BRICS membership is a key political twist. Turkey is a NATO member and would have been the first to join both alliances. The country spent considerable time propagating for the membership throughout the year, but it rejected the offer given to it as one of the first batches of partner countries.

Saudi Arabia’s case is similar to Turkey’s, although, at one point, it agreed to a request during the 2023 annual summit. The Kingdom has officially suspended its membership process, thus contributing to increasing problems confronting the economic bloc in its formative stage.

U.S. Opposition and Economic Pressures Shape Decision-Making

The expected return of Donald Trump to power in the White House has brought new considerations regarding membership of the BRICS group. As previously reported by Crypto News Flash, Trump’s threat of 100% tariffs on nations willing to leave the U.S. dollar has become a major impediment to potential members.

As a result of such policy, BRICS has been able to enlist nine new partner countries, and here again, the two most relevant participants, Turkey and Saudi Arabia, are conspicuous in their absence. The block’s attempts to counter de-dollarization have intensified and lost ground, especially considering the possible continuation of the American opposition under the Trump presidency.

Impact on BRICS’ Future Trajectory

The partial withdrawal of interest from Turkey and Saudi Arabia shows the dynamics that countries face in the world today when trying to find new economic alliances while keeping their time-tested allies. In addition to Turkey, Nigeria, Vietnam, and Algeria rejected an invitation to join the alliance, implying that other potential members have also been reluctant.

These developments raise fundamental questions about the BRICS expansion model and its capacity to attract major players in an increasingly polarized global landscape. The circumstances show how the membership of the economic alliance has changed from purely financial aspects to a political stand.

It is difficult to say conclusively whether the bloc’s objectives will be achieved and why its endeavors, such as de-dollarization, have recently intensified.

At the same time, it can be stated that the very potential of this process may force its participants and potential members to rethink existing approaches and solve a number of problems that stem from the fact of their existence as actors in the current system of international relations and the modern world economy.

@ Newshounds News™

Source:  Crypto News Flash

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BRICS NEWS:  23 COUNTRIES SHOW INTEREST TO JOIN BRICS IN 2025

The number of countries willing to join the BRICS alliance in 2025 is rapidly growing. More than 20 countries have expressed their interest in joining the bloc and participating in decision-making.

The group is ushering in a new financial era independent from the clutches and dominance of the US dollar. The alliance is pushing de-dollarization as its sole goal, aiming to make local currencies the center of all trade and transactions.

BRICS: 23 Countries Express Interest to Join Alliance in 2025

A Russian diplomat confirmed that around 23 countries are showing interest in joining BRICS in 2025. Russian Presidential aide Yury Ushakov revealed that the alliance is open to inviting like-minded countries to join the bloc. The move will strengthen the prospects of local currencies and challenge the US dollar on the global stage.

“The doors of the association remain open to like-minded countries. At the moment, over two dozen more countries have shown interest in a systemic dialogue with BRICS,” in 2025 said Ushakov. Emerging economies find the alliance lucrative as it’s the only group that’s challenging the hegemony of the US dollar.

The countries that want to join BRICS in 2025 are: “Azerbaijan, Bahrain, Bangladesh, Burkina Faso, Cambodia, Chad, Colombia, the Republic of the Congo, Equatorial Guinea, Honduras, Laos, Kuwait, Morocco, Myanmar, Nicaragua, Pakistan, Palestine, Senegal, South Sudan, Sri Lanka, Syria, Venezuela, and Zimbabwe,” said the aid

However, Ushakov explained that uncontrolled expansion would lead to the association breaking up its thought process. He said that BRICS needs to cherry-pick its partners carefully in 2025 to thrive and survive. “It is clear that uncontrolled expansion of our association would break its backbone. We believe that we need gradual, harmonized, and accurate steps. Like those we have been taking throughout our chairmanship,” Ushakov summed it up.

@ Newshounds News™

Source:  Watcher Guru

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Franklin Templeton predicts Bitcoin reserves to expand globally in 2025

Politicians in Germany and Hong Kong have signaled their interest in adopting strategic Bitcoin reserves for their nations.

@ Newshounds News™

Source:  CoinTelegraph

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Proposal mandating the Swiss National Bank to hold Bitcoin now underway

The Swiss Bitcoiners must rack up 100,000 signatures from Switzerland’s 8.92 million residents by June 30, 2026, to trigger a public referendum.

@ Newshounds News™

Source:  CoinTelegraph

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“Tidbits From TNT” Thursday Morning 1-2-2025

TNT:

Tishwash:  Comprehensive Guide to Trading the Iraqi Dinar (IQD) on Forex - FOREX News on BitcoinWorld (12/31/24)

The Iraqi Dinar (IQD) is the official currency of Iraq, and while it may not be as widely traded as major currencies like the US Dollar (USD) or the Euro (EUR), it holds significant interest for Forex traders looking to diversify their portfolios.

Trading the IQD on the Forex market presents unique opportunities and challenges, influenced by Iraq’s economic conditions, geopolitical factors, and global market trends.

This comprehensive guide delves into everything you need to know about trading the Iraqi Dinar on Forex, including live rates, trading strategies, market analysis, and tips for successful IQD Forex trading today.

Follow link to view FOREX News article:

https://bitcoinworld.co.in/trading-iraqi-dinar-iqd-forex/

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Tishwash:  Expert: Iraqi economy is stable despite changes in the dollar market

Economic expert Safwan Qusay confirmed today, Wednesday, that the Iraqi economy is stable despite the changes in the dollar market.

Qusay said in an interview with Al-Maalouma Agency, “The Central Bank of Iraq announced the termination of the electronic platform for banking transactions starting from the beginning of the new year, after notifying all Iraqi banks of the cancellation decision early on.”

He added that "13 Iraqi banks were able to adapt to this change, as they expanded their dealings with real merchants, so that the percentage of transfers and credits that take place through direct relations between Iraqi banks and supplier banks reached more than 95%." "

He explained that "these operations are carried out in accordance with strict compliance standards that ensure knowledge of suppliers and payment mechanisms."

He continued, “As for the 5% of transfers that were made through the electronic platform, traders who wish to continue importing operations at the official price can open bank accounts within these banks.”

He pointed out that "the Central Bank issued a circular on September 30th allowing traders to import directly after opening bank accounts, without the need for a waiting period that previously extended to six months."

He explained that "the market may witness some fluctuations, but he ruled out the possibility of achieving large profits from importing irregular goods, in light of the Iraqi economy, which relies heavily on the dollar and its high value globally."

He pointed out that "the Iraqi economy will not face major concerns as a result of this change, stressing the importance of adhering to banking procedures to ensure market stability and facilitate import operations."  link

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Tishwash:  Finland announces withdrawal of all its soldiers from Iraq

 The Finnish Ministry of Defense announced today, Wednesday, January 1, 2025, the return of its last soldiers from Iraq by the end of 2024, who participated in training Iraqi forces to fight ISIS gangs within the international coalition.

A statement by the ministry, translated by "Baghdad Today", stated that "ISIS gangs have lost most of the lands they controlled, but they still pose a threat, which requires the continuation of the war against terrorism."

The statement added, "Although Finland's participation in the operation has ended, the impact of its efforts will remain visible for a long time, as the training provided by Finnish forces has contributed to enhancing the ability of security forces to secure their areas and ensure the safety of the local population."

The statement stressed that "despite the end of Finland's participation in Operation Inherent Resolve, it continues to support and develop the security sector in Iraq through its participation in NATO's Mission in Iraq (NMI)."

He explained that "the advisory activity aims to implement broad and long-term reforms of the Iraqi armed forces and their management in cooperation with local partners, which supports the development of the security environment in Iraq," noting that " advisory activities will remain an essential part of efforts to achieve long-term stability in the region, and Finland will continue its work in this important NATO-led process."  link

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Mot: SLOWLY!!! -- Open Very SLOWLY!!!!! 

Mot:  Yeppers!!! -- Already I Am -- Writing the Wrong un!!! Siggghhh

Mot: . Just What is a ~~~~News year resolution

It's Time To Reset Your Finances For 2025's Knowns and Unknowns

It's Time To Reset Your Finances For 2025's Knowns and Unknowns

J.J. McCorvey  Updated Wed, January 1, 2025

2025 could bring economic changes with the potential to hit millions of people’s wallets in different ways.

A series of stock market gains have fueled retirement investments at the same time that catastrophic storm damage is causing steep repair costs and making thousands of homes virtually uninsurable. Meanwhile, the incoming Trump administration is eyeing deeper tax cuts along with a rollback of newly built guardrails around consumer finance.

While uncertainty abounds in the year ahead, “people can empower themselves the most by focusing on what they can control — those things that will be valuable regardless of what happens in the world,” said Kevin Mahoney, founder of Illumint, a Washington, D.C.-based financial planning firm.

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Here are a few ways to put yourself in the best financial position for whatever the next 12 months may bring.

Hunt for high returns as interest rates fall

Interest rates are coming down, and the impact should be felt more widely in the months ahead by anyone with a savings account, mortgage, credit card or car loan. For many borrowers, that will bring a bit more relief from the nosebleed-level costs of carrying debt. But for many savers, it means less generous returns.

High-yield savings accounts are still topping out around 4.5%, beating the 2.7% annual inflation rate as of November. But as banks trim the interest payments they make to depositors, it’s important to make sure yours remain competitive, said Malik Lee, managing principal at Felton and Peel Wealth Management, an Atlanta-based firm.

“It’s one of the red flags that I’ve been warning clients of all the money market accounts,” said Lee, referring to a popular type of deposit account that limits debit transactions but is often high-yielding. “You’re sitting there thinking, ‘Hey, I’m getting 4 or 5% on this thing, because that’s where it initially was when rates were high, and now I’m getting 3%.”

While banks usually alert customers of rate changes, those notifications can lag and some account holders might not have them switched on. Earlier this year a Bankrate survey found about two-thirds Americans were earning suboptimal interest on their savings accounts.

TO READ MORE:  https://www.yahoo.com/finance/news/time-reset-finances-2025-knowns-140000058.html

News, Rumors and Opinions Wednesday PM 1-1-2025

TNT:

Tishwash:  The Central Bank decides to suspend withdrawals and deposits for four days

The Central Bank of Iraq decided, today, Tuesday, December 31, 2024, to suspend withdrawal and deposit operations for four days.

The Central Bank, in a directive to all banks, received by "Baghdad Today", attributed its decision to stop withdrawal and deposit operations "for the purpose of completing the annual budgets on the dates specified for them."  link

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Tishwash:  Central Bank announces major achievement in foreign transfers

The Central Bank of Iraq announces its success in adhering to its program related to the transition from foreign transfers via the electronic platform to the work of Iraqi banks through their foreign correspondent banks.

This transition took place through stages that the foreign transfer process went through, starting with the window for buying and selling foreign currency and moving to the stage of the electronic platform for foreign transfers, and ending with operations to gradually enhance balances during the year 2024 and was fully achieved in the last week of this year.

This achievement is a radical transformation in line with the best international standards and practices to achieve a stable and secure financial system, and this work has received international support and praise throughout its implementation stages.

The new transfer methodology is consistent with international practices followed in this field, which separate the responsibilities and duties of the Central Bank from the obligations, responsibilities and role of commercial banks. From this standpoint, the Central Bank of Iraq will continue to enhance the balances of Iraqi banks with their correspondent banks in the US dollar, in addition to a group of other currencies, such as (the Indian rupee, the Chinese yuan, the euro, the UAE dirham, the Saudi riyal, and the Jordanian dinar).

This achievement has enhanced the efficiency and safety of foreign transfer operations, and their transition to the method followed in all countries of the world, which will make Iraq approach a new stage in its financial relations regionally and internationally and enhance the government’s orientations in expanding its economic relations and enhancing investment opportunities.

The efforts in this important achievement came through a series of ongoing detailed technical procedures and agreements, and great support from the Iraqi government, and the bank will continue to follow modern methods in managing monetary policy in Iraq, in line with its essential role in achieving financial stability, and its position among central banks in the region and the world, which will be positively reflected in the confidence and support of the external financial sector of Iraq and international financial and economic organizations.

Through this, the management of the Central Bank of Iraq seizes this important opportunity to express its thanks and appreciation to all those who contributed to achieving this great accomplishment, first and foremost the cadres of the Central Bank of Iraq, the banking sector in Iraq, and all international partners. 

Finally, the Central Bank of Iraq expresses its full readiness to support all Iraqi banks that work to develop and enhance their performance in the field of governance, compliance, and combating money laundering in a way that positively reflects on the confidence of international and regional banks in them to contribute to strengthening the Iraqi banking system and the Iraqi economy in general.

Happy New Year to you all. 

 Central Bank of Iraq

Media Office

January 1, 2025  link

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

Frank26   [Iraq boots-on-the-ground report]  FIREFLY:Television says the matter has been resolved, there is no money dollar currency auctions platform anymore after 20 years.  FRANK:  No wonder they're showing you the old lower notes.  FIREFLY. This is from the CBI spokesman.  FRANK:  This is an official source then.  They're over.  

MarkZ   [via PDK]   There was a lot of news out of Iraq overnight …20 or so stories at least on ending the year…starting the new year…and the platforms. My take away is they are going to need the new value because of the new system. They have created this new system and now is the time to breathe life into it. In the coming days without auctions they are going to start operating like any other country with a standardized banking system. This is part of their “White Paper” reforms. We are about to see a huge step for Iraq.

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VND: Why You Must Hold on to Your VND in 2025

Edu Matrix:  12-31-2024

VND: Why You Must Hold on to Your VND in 2025 - Explore Vietnam's promising economic landscape in our latest video, "Vietnam's Economic Outlook for 2025: Key Insights for VND Investors." In just 6 minutes, we delve into key factors driving Vietnam's GDP growth, projected at an impressive 6.5% by 2025, fueled by robust infrastructure investment and a rebound in consumer spending.

https://www.youtube.com/watch?v=2LeamF6dyFc

MarkZ New Year's Coffee at noon. 01/01/2025

New Year's Coffee at noon. 01/01/2025

MarkZ  Update- Some highlights by PDK-Not verbatim

MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context.  Be sure to consult a professional for any financial decisions

Member: Hello Mark, Mods and all Dinarians! Happy New Year all!

Member: It’s time to unplug the old system and turn on the new system

Member: What’s the latest rates you have heard on dinar and dong Mark?

MZ: the latest I have heard is about  $3.90 street rate on the dinar. Dong we have heard everything from .47 cents to almost $4.00….. Most of my sources are still telling me to expect it in the $2 dollar range

MZ: “Central Bank of Iraq has announced a transition for the electronic platform to banks with foreign transfers”  This is INTERNATIONAL now!

MZ: “The CBE announces the official closing of the dollar selling window”  Auctions are done and closed and they have announced the transition to the new process.

Member: Cut the talk- we want action. let's see them smaller notes in action

MZ: There was no auction today.

MZ: “Central Bank announces a major achievement in foreign transfers” So many articles and I only shared a few but, there is a lot of excitement in Iraq.

MZ: “Central Bank: We have started working on the Correspondent Banking System”  this is the new system with international standards….

MZ: “The general authority of customs adopts the AYESCUDA system and deposits paperwork in a major reform step”  This is a worlds standard amongst all the nations. This is starting today.

MZ: “Comprehensive guide to trading the Iraqi dinar (IQD) on forex”  lookee here. BAM International guys!!

MZ: A number of people have checked in and they are very excited about the education and conversations in Iraq. The talk has been overwhelming about small notes…..or lower denominations….this is from government and banking employees throughout Iraq. Why d they need smaller notes?

Member: to raise the rate and get rid of the large notes we all hold!!!

Member: Is there any news on Bond contacts or banks thank you?

MZ: There are no updates. Today is a banking holiday all over the world.

Member: Mark, Mike Bara, and Jen said tonight into tomorrow morning we will have a rate. Do you think they could be jumping the gun or they may be right?

Member: Praying for this to be a prosperous WEEK for us!

Member: We’re so close yall!! I can almost taste it!!!!!

Member: Looking forward to amazing new yew year. Many Blessings to come our way.

Member: To all those whom I offended in 2024, work on yourself so I don't have to do it again in 2025! Happy New Year!  Lol

Member: Thank you Mark and mods for a great 2024 and looking forward to a better 2025!

Mod”  THATS A WRAP, NO PODCAST TONIGHT SEE YALL IN THE MORNING UNLESS BREAKING NEWS

THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY

FOLLOW MARKZ : TWITTER . https://twitter.com/originalmarkz?s=21. TRUTH SOCIAL . https://truthsocial.com/@theoriginalm...

Mod:  MarkZ "Back To Basics" Pre-Recorded Call" for Newbies 10-19-2022 ) https://www.youtube.com/watch?v=37oILmAlptM

MARKZ DAILY LINKS: https://theoriginalmarkz.com/home/

Note from PDK: Please listen to the replay for all the details and entire stream….I do not transcribe political opinions, medical opinions or many guests on this stream……just RV/currency related topics.

 ZESTER'S LINK TREE: https://linktr.ee/CrazyCryptonaut

THANK YOU, MARK AND COMM FAMILY!! SEE ALL OF YOU AT 10:00 AM EST TOMORROW, UNLESS SOMETHING HAPPENS, FOR ANOTHER GREAT PODCAST...

Twitch:   https://www.twitch.tv/theoriginalmarkz

Youtube:    https://www.youtube.com/watch?v=oFdGsvY23yM

5 Market Signs of Debt Collapse Within Weeks

5 Market Signs of Debt Collapse Within Weeks

Liberty and Finance:  12-31-2024

As 2024 draws to a close, the economic landscape remains fraught with uncertainty and potential upheaval. In a recent appearance on Liberty and Finance, renowned market analyst Francis Hunt shares his insights on the prevailing economic conditions and offers forecasts for 2025.

His analysis, steeped in a deep understanding of market dynamics, highlights the crucial factors that may trigger a significant economic reset, emphasizing the need for strategic planning among investors.

The year 2024 has been marked by persistent challenges across various sectors of the economy. Hunt meticulously examines the debt markets, noting a rising trend of yield curve inversions—a phenomenon that has historically signaled impending recessions.

With interest rates fluctuating and government debts soaring, the implications for both individual investors and larger financial institutions could be profound. Hunt stresses that understanding these dynamics is essential for anyone looking to navigate the current economic waters.

Hunt identifies several critical factors that could catalyze a significant economic reset in the near future.

Among them, he underscores the growing concerns surrounding the global debt burden, particularly in the wake of expansive fiscal policies implemented over the past few years. As nations grapple with escalating debt levels, the sustainability of these financial strategies comes into question. The interconnectedness of global markets means that distress in one region can rapidly ripple through to others, amplifying risks for investors worldwide.

Moreover, the implications of yield curve inversions cannot be overstated. Historically, such inversions have preceded economic downturns, serving as a warning signal for policymakers and market participants alike. Hunt suggests that as the yield curve continues to behave in this manner, a heightened sense of caution should prevail, prompting investors to reassess their portfolios and strategies.

Amid these challenges, Hunt draws attention to the potential for precious metals to act as a safe haven for investors. With economic volatility on the rise, gold and silver have historically served as a hedge against inflation and currency devaluation.

 Hunt posits that as uncertainty escalates, the demand for these tangible assets may surge, positioning them as a critical component of a defensive investment strategy.

Adding another layer of complexity to the economic narrative is the political context, particularly with the upcoming inauguration of president-elect Donald J. Trump. Hunt discusses how this political shift may influence economic policies and market sentiment moving into 2025.

Trump’s administration is expected to prioritize certain economic reforms, which could lead to both opportunities and challenges for investors. The ramifications of these policies will likely resonate throughout the markets, making it imperative for investors to stay informed and adaptable.

In light of the potential economic reset, Hunt emphasizes the importance of adopting defensive strategies. He advocates for a diversified portfolio that includes not only precious metals but also other asset classes that may provide stability during turbulent times. Investors are encouraged to consider their risk tolerance, investment horizons, and the economic signals that may dictate market movements in the near future.

Furthermore, Hunt underscores the value of remaining agile and responsive to changing market conditions. The ability to pivot and reassess one’s investment strategy in real-time can be the difference between weathering economic storms and suffering significant losses.

As 2024 comes to a close, Francis Hunt’s insights serve as a critical reminder of the complexities that define the current economic landscape.

 With potential triggers for an economic reset on the horizon, and a political shift that could reshape financial policies, investors must remain vigilant and informed. By implementing defensive strategies and staying attuned to market signals, they can navigate the uncertainties of the future, positioning themselves for resilience and opportunity in 2025 and beyond.

https://youtu.be/ePh68Gow5iM

Seeds of Wisdom RV and Economic Updates Wednesday Morning 1-1-25

Happy New Year Dinar Recaps,

80% OF JAPANESE BANKS TO ADOPT XRP BY 2025: A GAME-CHANGER FOR FINANCE

Japan’s financial sector is undergoing a transformative shift as nearly 80% of the nation’s banks plan to integrate XRP into their systems by 2025.

This groundbreaking move is expected to redefine cross-border payments and remittances while advancing blockchain technology adoption in mainstream finance.

Yoshitaka Kitao, CEO of SBI Group, a prominent financial institution in Japan, has voiced strong support for XRP, emphasizing its utility in international remittances. He highlighted RippleNet’s growing adoption and XRP’s role in enhancing transaction efficiency. Unlike Bitcoin, which Kitao describes as lacking inherent value, XRP’s utility-driven demand underscores its long-term potential.

This initiative is particularly significant for Japan, a country with a sizable expatriate and migrant worker population that relies heavily on remittances. XRP’s integration promises to streamline cross-border transactions, offering faster, cheaper, and more reliable financial solutions.

Economic and Institutional Impact of XRP Adoption

Japan’s adoption of XRP could serve as a global model for blockchain-based financial systems. With one of the world’s largest economies leading the charge, other countries may follow suit. Western nations have already begun regulating cryptocurrencies more rigorously, signaling a broader shift toward institutional adoption of blockchain solutions.

The integration of XRP also has the potential to drive financial inclusion. By reducing remittance costs, it can empower individuals in underbanked regions, creating a ripple effect of economic opportunities. Furthermore, as institutional investment in XRP increases, its mainstream acceptance is poised to grow, further legitimizing blockchain-based financial models.

XRP’s Role in Global Financial Transformation

Ripple’s On-Demand Liquidity (ODL) network, which leverages XRP for seamless cross-border payments, continues to expand globally. This network has already positioned XRP as a vital player in the future of finance. If other countries adopt similar models, XRP’s utility and market value could experience significant growth.

While the exact number of Japanese banks implementing XRP by 2025 remains uncertain, the current trajectory indicates a profound transformation in Japan’s banking landscape. As global financial systems evolve, XRP is cementing its role as a cornerstone of blockchain-enabled finance.

Daily Technical Outlook: XRP/USD – December 31, 2024

XRP/USD is trading at $2.03054, up 0.64%, reflecting a cautious recovery amid ongoing bearish sentiment. The pivot point at $2.14005 serves as a critical level. Immediate resistance is seen at $2.17118, with further barriers at $2.35413 and $2.51623. On the downside, immediate support is at $2.01000, with deeper protection at $1.95654 and $1.79139.

Technically, XRP remains under pressure, trading below the 50 EMA at $2.14005, indicating bearish momentum. The RSI at 37.43 hovers in the oversold zone, hinting at potential consolidation before a breakout. A descending triangle pattern dominates the 4-hour chart, suggesting a continuation of the downtrend unless prices break decisively above $2.17118.

While a sustained breakout above $2.17118 could spark bullish momentum, failing to hold above $2.01000 may accelerate declines toward $1.95654. Traders should monitor these levels closely as XRP approaches a decisive inflection point.

@ Newshounds News™

Source:  FX Leaders

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FOUR TRENDS THAT SHOW THE FUTURE OF CROSS-BORDER PAYMENTS

The global economy is an intricate web of transactions, and cross-border payments serve as its financial backbone.

For much of its history, that backbone has been creaky, slow and inefficient. But throughout 2024, the cross-border payments sector evolved at a breathtaking pace, driven by technological innovation and changing customer expectations, while simultaneously grounded in regulatory and compliance considerations.

Four central themes emerged throughout PYMNTS’ coverage of the space this year:  growing collaboration between FinTechs and financial institutions (FIs); the maturation of blockchain as a key cross-border rail; smarter compliance tools powered by artificial intelligence (AI) and machine learning; and the emergence of real-time payment infrastructure.

Financial Institutions and FinTechs: A New Era of Collaboration

In 2024, we witnessed a convergence and an evolution of FinTech and FI partnerships that worked to reshape the cross-border payments landscape. FIs brought the scale, infrastructure and regulatory expertise, while FinTechs contributed agility, innovation and customer-centric solutions.

“The [cross-border] space is very fragmented, and there’s a lot of opportunity for someone to emerge and dominate that space — or help banks improve the service that they offer,” Andy Elliott, vice president of strategy at EvonSys, told PYMNTS.

The convergence also signals a shift in mindset. Rather than viewing FinTechs as disruptors, FIs now see them as partners essential for navigating an increasingly digital economy. This symbiosis will likely deepen, leading to hybrid models where the lines between traditional banking and FinTech blur further.

Blockchain and Stablecoins: Building the Infrastructure of Tomorrow

Blockchain technology has long held the potential to transform cross-border payments by offering faster, more secure and cost-effective solutions. In 2024, we witnessed the maturation of this technology, with stablecoins — cryptocurrencies pegged to stable assets like fiat currencies — emerging as a viable medium for international transactions. Major players like PayPal and Circle have introduced their own stablecoins to modernize cross-border remittances and B2B transactions alike.

The PYMNTS Intelligence report “Can Blockchain Solve the Cross-Border Payments Puzzle?“ explored how blockchain could revolutionize cross-border payments, assessed its current adoption and examined the future implications for financial institutions and businesses.

Unlike traditional systems burdened by intermediaries, stablecoins offer near-instant settlement and reduced transaction costs. However, challenges remain. Regulatory clarity is uneven across jurisdictions, creating hurdles for widespread adoption. Still, the groundwork laid in 2024 suggests that stablecoins could serve as a gateway for broader blockchain adoption in cross-border payments.

The next phase? Integrating these digital assets seamlessly into existing financial systems to drive mainstream usage.

Smarter Compliance Solutions: Turning Pain Points into Opportunities

Compliance remains one of the biggest challenges in cross-border payments, particularly in a world of tightening regulations and heightened scrutiny.

“Everything’s going more cross-border and getting regulated, so tax compliance regulation is huge for new business models in new markets,” Sovos CEO Kevin Akeroyd told PYMNTS in an interview posted in April.

Faulty cross-border payments cost merchants in the United States at least $3.8 billion in sales last year alone, according to the PYMNTS Intelligence report “Cross-Border Sales and the Challenge of Failed Payments.” Additionally, 70% of U.S. firms experienced higher rates of failed payments in cross-border sales compared to domestic sales.

But 2024 marked a turning point: the rise of smarter compliance solutions powered by AI and machine learning (ML). Advanced tools now enable real-time monitoring of transactions to detect fraud, ensure anti-money laundering (AML) compliance and verify customer identities.

The result? Compliance becomes less of a bottleneck and more of a competitive advantage. As these technologies evolve, they promise to bring greater efficiency and security to cross-border transactions, paving the way for more seamless global commerce.

Instant Payments: A Global Mandate

The demand for real-time transactions has skyrocketed, fueled by the expectations of consumers accustomed to instant gratification in their personal lives. In 2024, cross-border payments worked on catching up, with innovations in instant payment infrastructure taking center stage.

For businesses, instant payments mean improved cash flow, reduced reliance on credit and enhanced supplier relationships. For consumers, they eliminate the frustration of waiting days for funds to clear. As real-time payment networks expand and interconnect, they’re likely to become one of the default mode for cross-border transactions.

Ultimately, as PYMNTS’ Karen Webster noted in an interview posted in October, any focus on cross-border innovation needs to be on solving key frictions: moving money securely and safely, providing transparency throughout the process and optimizing the economics of cross-border transactions.

@ Newshounds News™

Source:  Pymnts

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Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's Podcast Link

Newshound's News Telegram Room Link

Q & A Classroom Link  

Follow the Roadmap

Follow the Timeline 

Seeds of Wisdom Team™ Website

Subscribe to Seeds of Wisdom Team™ Newsletter

Thank you Dinar Recaps

“Tidbits From TNT” Wednesday Morning 1-1-2025

TNT:

Tishwash:  Al-Hassan congratulates on the New Year: Iraq is able to overcome challenges

The representative of the Secretary-General of the United Nations in Iraq, Mohammed Al Hassan, confirmed in a message on the occasion of the New Year, today, Tuesday, that the Iraqi people have the ability to face challenges.

The Special Representative of the Secretary-General of the United Nations in Iraq congratulates the Iraqi people and government on the New Year: 

Al-Hassan said in a tweet on the {X} platform, "I congratulate the Iraqi people and the Iraqi government on the achievements made during the year 2024."

He added, "In 2024, we witnessed great achievements in development and infrastructure, and this was achieved thanks to the strong and ambitious will of Prime Minister Mohammed Shia al-Sudani's government to improve the lives of Iraqis."

Al-Hassan continued, "We have great confidence in Iraq to draw a better future," calling on the Iraqi government to "continue working sincerely to improve services throughout Iraq.

Iraq is capable of overcoming challenges and regaining its regional and international standing." link

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Tishwash:  International Report: 2025 will be the largest year for projects inside Iraq

The International Data Bank, one of the international organizations concerned with monitoring the internal affairs of the countries of the world, issued its annual report for the year 2024, accompanied by estimates for the coming year 2025, confirming that the current year witnessed the issuance of the largest number of investment and service contracts inside Iraq. 

The bank said, according to its report, which was translated by "Baghdad Today", that "Iraq spent $83 billion during the year 2024 on infrastructure and reconstruction projects, and awarded contracts to implement other projects during the year 2025 worth $126 billion," expecting that "this will lead to a doubling of the growth rate of the national GDP to about 4.1% during the next year."

The bank also explained that the largest projects were the share of the country's main roads for the Ministry of Transport, which are expected to be fully completed in 2029, noting also that oil investment projects and the construction of residential complexes in Baghdad, specifically (the integrated Nasiriyah oil project and the city of Al-Rufail in Baghdad) came in second and third place as the largest government projects for the year 2024. 

The information issued by the World Bank also confirmed that the contracts awarded for the coming year were distributed as follows (39.9% allocated to construction, 39.9% allocated to energy and industry, 24.3% allocated to electricity and water service projects, while 22.6% was allocated to road and transportation projects). link

Tishwash:  Starting to implement ASYCUDA global system for automating customs operations

The Prime Minister's Media Office announced on Tuesday the start of using modern automation systems to facilitate the entry of goods into border crossings and monitor them centrally, and the agreement to implement the global ASYCUDA system to automate customs operations.

The office said in a statement, seen by "Al-Eqtisad News", that "in implementation of the directives of Prime Minister Mohammed Shia Al-Sudani regarding administrative and financial reform, which is included among the priorities of the government program, a special meeting was held today in the Prime Minister's Office headed by the Prime Minister's Advisor for Border Customs and Ports Affairs, where the procedures related to the governance of border ports and customs systems were discussed."

The statement added that "the meeting witnessed the announcement of the completion of the necessary infrastructure to link all border ports with the latest technologies, and the start of the use of modern automation systems to facilitate the entry of goods into border ports and monitor them centrally. It was also agreed to implement the global ASYCUDA system for automating customs operations, enhanced with electronic payment services starting from January 1, 2025."

He pointed out that "this step will contribute to achieving automation in ministries and institutions, including the e-government project and providing electronic payment services, which contributes to enhancing transparency and accountability, simplifying procedures, facilitating services and reducing bureaucratic obstacles, in addition to establishing good governance and combating corruption." link

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Mot:  Finally Made sum - Realistic Resolutions

Mot: .. good ole ""Earl"" to the Rescue!!!

News, Rumors and Opinions Wednesday AM 1-1-2025

Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.

RV Excerpts from the Restored Republic via a GCR: Update as of Wed. 1 Jan. 2025

Compiled Wed. 1 Jan. 2025 12:01 am EST by Judy Byington

Happy New Year!!!
God Is About To Open Your Door To A Marvelous Future
The Waiting Wasn’t a Delay, It Was a Preparation

Global Currency Reset:

Tues. 31 Dec. 2024: Withdrawals and deposits suspended for four days at all Iraqi banks. The Central Bank of Iraq will close on January 2, 2025 and cease banking transactions for customers. The bank also decided to suspend withdrawals and deposits in savings accounts at bank branches from December 30, 2024 to January 2, 2025, with the aim of completing its annual budget. https://x.com/DPyontaka92762/status/1874160733984088168

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Tues. 31 Dec. 2024 Bruce:

At one minute before midnight Tues. 31 Dec. (allegedly) Nesara and Gesara actually starts.

We are supposed to have a Global Announcement on Nesara Gesara on Wed. 1 Jan. 2025.

Nesara (allegedly) includes all new worldwide asset backed currencies by all those precious metals and oils and gas and all commodities.

We will have a new USTN coming out fairly soon.

Nesara and Gesara will be (allegedly) revealed in the first ten days and might even be in the EBS Global Announcement  – so it might well all happen tomorrow.  

For the US, substantial Restitution and Reconciliation Allowances and significant increases in Social Security will also (allegedly) begin with Nesara.

Ages 30 – 45 will (allegedly) get R&R paid monthly over three years in to your bank account. Ages 45 – 60 will receive it over two years. 60 and older will receive it as a lump sum.

We are supposed to be notified of exchange/redemption appointments on the first of Jan in our emails and set our appointments either Wed. 1 Jan. or Thurs. 2 Jan.

The email should tell us what day and time to call  – so that everyone doesn’t call at the same time

Redemption Center Staff are (allegedly) going into work on Thurs. 2 Jan. at 9am.

When you call for an appointment you might get an AI voice, but give them your Zip code and then you’ll get directed to a live person.

You have to ask for the Contract Rate on the Dinar.

At your redemption/exchange appointment you can (allegedly) set up your Med Bed appointment and can refer up to six people for Med Bed treatments.

Read full post here:  https://dinarchronicles.com/2025/01/01/restored-republic-via-a-gcr-update-as-of-january-1-2025/

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

Frank26   [Speaking to Iraq boots on the ground Firefly] [Iraq] is international.  So is your currency.  So  is your banking structure.  Your new exchange rate will be the cherry on top of everything that Sudani has accomplished for you citizens.  It will bring you purchasing power...security and stability from the enemy that stole your money all these years and it will be a very strong relationship with the United States of America...

Militia Man  They're talking about the issuance of money and aren't we waiting for a new exchange rate?  Yes we are.  I think that's the whole premise here.  They're getting rid of the dollar auction.  Now it's called the currency  window...No wonder these guys in the street are nervous.

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FDIC WARNS: Bank CRISIS Accelerates as Losses Hit $364 BILLION

Taylor Kenny:  12-31-2024

The FDIC has issued a dire warning: a growing number of banks are on the brink of insolvency due to a $364 billion crisis rooted in unsustainable federal debt.

In this video, we’ll break down the truth about unrealized losses, hyperinflation risks, and the looming threat of a currency reset.

 Learn how to prepare and protect your wealth before it’s too late. Watch now to stay informed and take action.

CHAPTERS:

00:00 FDIC Warns of Bank Insolvency

00:42 Federal Debt’s Ripple Effect on Banks

 01:20 Wall Street Speculation and Deposit Risks

 02:00 Banks Gambling with Your Deposits

03:19 Unrealized Losses on Bank Balance Sheets

 04:31 Hidden Bank Liabilities and Liquidity Crisis

05:42 Inflation and Debt Drive the Financial Crisis

07:03 The Truth About Bank Failures

08:15 Hyperinflation: A Growing Threat

09:31 Bank Bail-ins: Your Deposits at Risk

10:03 The Inevitable Currency Reset

11:17 How to Prepare for the Reset

https://www.youtube.com/watch?v=AWmMTE6bPaM

Ariel: Hot off the news wire!

Ariel : Guess When the New Notes will be Available?

Hot off the news wire!

The Starting Gun

Foot is on the gas.
Engines are revving.
Exhaust pipes are smoking.
The clock is winding down.

Are you ready to put the pedal to the metal?

Exchanging old notes for new notes will be done under the new exchange rate.

Guess when these notes will be available? January 2nd!

I think I now know what Donald Trump means when he said this will be the best new years eve ever. Why? Because it was reported years ago that he also has a big bag of Iraqi Dinars. His came in pallets.

Majeed:  By CBI Jan 2 people in iraq will change the old note with the new one

When you read this they are basically advising you on how to exchange the Iraqi Dinar. Internally this may be for the citizens but it applies outside the country as well.

Brothers Technologies Inc. I’m ecstatic and EXCITED AND PLEASE READ FOR YOURSELF!!!!!!! Thread Posted by CBI 12/24/24 12/26/24 You’re Welcome

For full post read here:  https://dinarchronicles.com/2024/12/31/ariel-prolotario1-guess-when-the-new-notes-will-be-available/

More News, Rumors and Opinions Tuesday PM 12-31-2024

KTFA:

Clare: For four days.. Suspension of withdrawal and deposit operations in all Iraqi banks

The Central Bank of Iraq decided, on Tuesday, to suspend withdrawal and deposit operations for four days.

December 31, 2024   Baghdad / 

According to a document, the bank decided to close the bank's doors on January 2, 2025 and stop conducting banking transactions for customers.

The bank also decided to suspend withdrawal and deposit operations on savings accounts in bank branches for the period from 12/30/2024 to 1/2/2025 for the purpose of completing the annual budgets.  LINK

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Clare:  "Major Security Event"... US Treasury Under Cyber ​​Attack"

12/31/2024

The U.S. Treasury Department was hacked in what it described as a major security incident, attributed to a Chinese state-backed entity, according to a document seen by Bloomberg.

The breach was carried out via a third-party software provider called BeyondTrust, where the hackers gained access to a cloud-based service used to provide technical support to the ministry's offices.

The ministry said the documents accessed were unclassified, and that the affected service had been completely shut down.

Reports indicate that Chinese hackers were involved in the incident, while the Chinese embassy denied the accusations, considering them to be smear attacks that are not based on evidence.

The attack is part of a series of cyber espionage operations targeting the United States, including telecommunications companies, which has raised significant concerns at the national level.

The Treasury Department confirmed that investigations are ongoing in cooperation with law enforcement and intelligence agencies, while receiving support from the affected service provider, BeyondTrust.  LINK

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Clare:  Baghdad is preparing to open 4 hypermarket centers.. 20% discount

12/31/2024

 The Ministry of Commerce announced today, Tuesday, the opening of new hypermarket centers in the capital, Baghdad, in the coming days.

 The ministry's spokesman, Mohammed Hanoun, told {Euphrates News} that: "Regarding the work of hypermarkets, a center was operated on a trial basis in the Al-Bayaa and Al-Hurriyah areas in Baghdad, and four more will be launched in the coming days, bringing the number to 6 in the capital." 

He added, "The markets include all the needs of citizens, and there is cooperation with government and private markets for the purpose of purchasing materials on credit," indicating that "the prices of some materials are 20% lower than the local market, and many of them are 20% lower."

According to his statement, Hanoun looks forward to "fulfilling citizens' requirements of pharmacies, banks, restaurants, rest stops, and garages, most of which are free, civilized, and paid."

Raghad   LINK

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

Frank26   [Iraq boots-on-the-ground report]  FIREFLY: Alaq is talking about a big party they're having right now at the CBI for all the CBI employees who have worked so hard on the process and on the development of a new currency.  They are celebrating along with the US Treasury delegation here on a visit.  FRANK:  I will admit that's pretty cool.  It's also a telltale sign.  That's why the US Treasury is there.

Militia Man  It appears they're gearing for a change and that change is coming...The exchange rate could come when Alaq is ready to tell us and the world.   If that 'mechanism' has to deal with an exchange rate, they're talking about that today.  That's fascinating...

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Small note …Iqd

Nader:  12-31-2024

https://www.youtube.com/watch?v=A3jVVNLh-p0

"I Find This Scary Because It's What Happens In A Blow-Off Top" - Mike Maloney

12-30-2024

Prepare to be startled by the dramatic extremes in today’s stock market. Mike Maloney and Alan Hibbard discuss the urgent red flags signaling a potential “blow-off top,” where market gains soar to dizzying heights before a sudden collapse.

 Learn how the top 10 S&P 500 stocks alone are worth more than some of the world’s largest stock markets combined, why one of America’s biggest tech giants trades at all-time-high valuations, and how economic indicators are flashing warnings that many have chosen to ignore.

Key Topics Covered:

Why a narrow market rally can be alarming

The meaning behind “blow-off top” risks Understanding the divergence between market cap and economic indicators

How valuations compare to historic bubbles like the dot-com era

Actionable insights for navigating uncertain market conditions

https://www.youtube.com/watch?v=K5H4MsnqVYk

Insiders Dumping Stocks, Preparing For 2025 Reset? - Year-End Panel - Holter, Macleod, Schectman

Insiders Dumping Stocks, Preparing For 2025 Reset? - Year-End Panel - Holter, Macleod, Schectman

Liberty and Finance:  12-30-2024

In this 2024 year end panel discussion featuring Andy Schectman, Alasdair Macleod, and Bill Holter, the tone is starkly cautionary as they analyze the fragile state of global financial markets.

The conversation highlights a rapidly deteriorating situation where the dollar is on a "slippery slope" and market dynamics show, among the insiders, an overwhelming number of sellers compared to buyers.

Schectman, Macleod, and Holter point out that, while gold has made significant gains, investor enthusiasm remains low, with the public continuing to unload assets while institutional investors quietly buy.

They all agree that the real economy is slowing down, with the ominous possibility of a 2025 downturn resembling the Great Depression of 1929.

The trio also emphasizes the risks facing the banking system, which is attempting to de-risk itself, but is still vulnerable to a larger collapse.

INTERVIEW TIMELINE:

0:00 Intro

 2:41 2024 takeaways

8:30 Secret central bank gold buying

15:05 Insider selling

19:00 Global credit bubble

 30:45 Retail market update

 44:29 2025 look ahead

https://www.youtube.com/watch?v=rip2-Y3EJ1I

News, Rumors and Opinions Tuesday 12-31-2024

Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.

RV Excerpts from the Restored Republic via a GCR: Update as of Tues. 31 Dec. 2024

Compiled Tues. 31 Dec. 2024 12:01 am EST by Judy Byington

Judy Note: An Economic Collapse was on the horizon for this week. The Stock Market and Bitcoin, which have long been held up by the fiat dollar without gold/asset backing, were both expected to crash. Congress has yet to pass a budget and was due to shut down by Dec. 31 2024.

What is going on? Could this change of dates and closure of government agencies have anything to do with the Global Financial crash and pending EBS?

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Global Currency Reset: (Rumors)

Mon. 30 Dec. 2024 TNT: The Green Light has (allegedly) been given. On Fri. 27 Dec. people were (allegedly) being paid. Chase Bank said window opened at 5pm on Sat. 28 Dec. and Event is supposed to occur between 4 and 5 on Sun. 29 Dec. On Mon. 30 Dec. they said the countries (allegedly) got their monies. The banks have not finished their internal transfers. Iraq won’t have any US Dollars after Jan. 1 2025 so they have to release the rates internationally before then. In the Iraqi News everyone is saying that this is (allegedly) over on Tues. 31 Dec.

Sun. 29 Dec. 2024 Wolverine: “Guys due to my NDA on a certain platform I cannot talk about it but I can tell you that finally God has listen to us and this time it’s not disinformation. Just get prepared everyone because this time it’s coming. I’m extremely overwhelmed because not because they said this or that it’s because these people have been waiting for something and at long last it has arrived. Please pray and stay in faith. 2025 is going to be a year full of blessings for mankind. All protocols have(allegedly)  been met and everything is ready to go. We just have to wait for the GO sign. I’m expecting the 1 or the 2nd of January. I’ve had many on a conference call and they all said that we are about to go anytime right now and many are pointing to the 1st and 2nd of January 2025. Not long to go guys. God bless.”

Sat. 28 Dec. 2024 TNT Tony: “The green light has been given once again and bankers have a window.”

Sun. 29 Dec. 2024: The CBI has (allegedly) canceled it’s 20 years controversial auction. Now correspondent banks and exchange currencies companies who adopted the new system and were connected with US banks will (allegedly) do the transactions. The CBI will be back on Tues. 7 Jan. 2025 after the Revaluation, when people will only be able to deposit Dinar.

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Global Financial Crisis:

The crypto market is buzzing after BlackRock, the world’s largest asset manager, reportedly moved 1,870 BTC worth $188.7 million to new wallets. This transaction, one of the largest sell-offs in recent history, occurred just 10 hours ago, leaving investors questioning the motive and the future of Bitcoin. https://www.binance.com/en/square/post/18169266231249

Bitcoin Founder: “I did not design or make Bitcoin, the three letter agencies did and used my name.” https://www.facebook.com/share/r/1BfYjs1Vz6/

Read full post here:  https://dinarchronicles.com/2024/12/31/restored-republic-via-a-gcr-update-as-of-december-31-2024/

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

Frank26  [Iraq boots-on-the-ground report]   FIREFLY:   
The television is showing the auctions are now ended after 20 years.  FRANK:  Are they saying it has officially ended or are they saying it's going to end on the 31st?  FIREFLY:  Saying it ended after 20 years.  FRANK: Then that means Sudani can keep his promise and show them the lower notes before the end of the year.  But he's running out of time.

Militia Man  Article: "The Central Bank of Iraq pursuant to its law 56 of 2004 as amended is responsible for determining the categories of Iraqi banknotes paper and metal, their measurements and their shapes, printing paper notes and minting metal coins."  What's not normal about this...is they don't have any coins.  They don't have any metals.  Why are they talking about it now, today?  That's powerful...If that 'mechanism' is now changed as Saleh says, that mechanism means there's going to have to be significant change...That means the value of the exchange rate is going to change.  You don't need coins at an exchange rate of 1310.  It doesn't work that way.  The value has to be there.

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The Fed's Hidden Move just Ended the Reverse Repo Facility

Heresy Financial:  12-30-2024

TIMECODES

 0:00 This officially drains the Reverse Repo Facility

0:27 Why and how the Fed made this change

3:07 How the Fed Incentivized Cash into Reverse Repo

6:11 Where the excess cash will go next

6:38 Why now?

https://www.youtube.com/watch?v=iK4fxO0FZbg