Seeds of Wisdom RV and Economic Updates Tuesday Morning 4-22-25

Good Morning Dinar Recaps,

PAUL ATKINS OFFICIALLY SWORN IN AS SEC CHAIR, SIGNALS SHIFT TO CRYPTO-FRIENDLY APPROACH

Paul Atkins was sworn in on Monday as the 34th Chairman of the US Securities and Exchange Commission (SEC), marking a significant shift toward a more crypto-friendly regulatory stance.

Atkins’ appointment signals a departure from former Chair Gary Gensler’s aggressive enforcement strategy against digital asset firms. In his opening remarks, Atkins reaffirmed the SEC’s mission to promote capital formation, ensure fair markets, and protect investors.

He emphasized the need for clear and consistent regulation, stating that his experience in both public service and the private sector has shown him how regulatory uncertainty can stifle innovation.

Atkins To Exit Patomak Following SEC Appointment And Crypto Focus

Atkins, who founded Patomak Global Partners in 2009 to help develop digital asset standards, pledged to step down from his role at the firm within 90 days. His nomination passed narrowly, with 52 Republican votes in favor and 44 Democrats opposing.

Senator Elizabeth Warren had previously pressed Atkins to disclose Patomak’s advisory work with crypto companies, including ties to the collapsed FTX exchange.

During his Senate confirmation, Atkins criticized previous regulatory approaches as overly complex and politicized. He committed to leading the SEC with what he described as a “rational and principled” framework, aimed at fostering innovation rather than hindering it.

Atkins takes over from Gensler, whose tenure was marked by numerous lawsuits against crypto firms for alleged securities violations.

Since Gensler’s departure, acting Chair Mark Uyeda and Commissioner Hester Peirce have already moved to dismiss many of these cases and eased oversight on sectors like meme coins and crypto mining.

Known for his strong Wall Street connections, Atkins’ financial disclosures revealed investments of up to $5 million in digital asset firm Off the Chain Capital LLC. With a combined net worth of approximately $327 million, Atkins becomes one of the wealthiest SEC chairs in recent history.

As the SEC transitions under Atkins’ leadership, it faces a backlog of over 70 crypto-related ETF applications involving assets like Solana, XRP, Dogecoin, and MELANIA. Bloomberg analyst Eric Balchunas summed up the sentiment on X, saying, “Gonna be a wild year.”

SEC Changes Crypto Enforcement Strategy

Last month, the SEC officially ended its investigation into Australian-based crypto gaming firm Immutable, bringing a significant chapter in the company’s regulatory journey to a close.

The SEC’s move to close the Immutable case is part of a broader trend in its crypto enforcement strategy. In recent months, the agency has also dropped investigations into other major crypto firms, including OpenSea, Uniswap, Robinhood, and Gemini.

To enhance regulatory clarity, the SEC has also launched a crypto-focused task force led by Commissioner Hester Peirce.

Meanwhile, Ripple is nearing the end of its own legal battle with the SEC. A March 26 update confirmed Ripple will not pursue a counter-appeal after the SEC agreed to drop its appeal earlier this month.

The company will pay a reduced fine of $50 million, down from the initially proposed $125 million.

@ Newshounds News™
Source:  99Bitcoins

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ECB FLAGS RISK OF FINANCIAL CONTAGION FROM US CRYPTO PUSH

The ECB is calling for changes to MiCA, only months after the regulatory framework was implemented.

The European Central Bank (ECB) raised an alarm over potential fallout from aggressive US support for the crypto industry, warning that a surge in dollar-backed stablecoins could destabilize Europe’s financial system.

According to a policy paper seen by Politico, the ECB has asked for a revision of the Markets in Crypto-Assets Regulation (MiCA) regulatory framework for cryptocurrencies just months after it came into effect.

The concern is that US reforms backed by President Donald Trump could flood European markets with dollar-denominated stablecoins.

The ECB fears this could trigger a flight of European capital into US assets, undermining EU financial sovereignty and exposing banks to liquidity risks.

ECB and European Commission clash over MiCA rules

While the ECB calls for tighter controls, the European Commission dismissed the warnings as exaggerated, per the report.

The report, citing two diplomats and one EU official, said that the existing MiCA framework is robust enough to manage stablecoin risks despite potential US policies like the Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) and the Guiding and Establishing National Innovation for US Stablecoins (GENIUS), two bills aimed at expanding America’s crypto footprint.

“The Commission was quite clear that they had different views on this topic,” and “not very many (countries) supported the idea that we should now jump the gun and start making quick changes in (the rules) based on this alone,” one of the diplomats reportedly told Politico.

The stablecoin sector now commands a valuation of $234 billion, according to data from CoinMarketCap.

The ECB warned that European issuers could face redemption pressures from EU and foreign holders without stricter limits, potentially sparking a financial “run” and harming exposed institutions.

“The worry is warranted,” Mikko Ohtamaa, co-founder and CEO at Trading Strategy, said in a post on X. “However, the EU had the first mover advantage with the regulation and they screwed it up.”

Ohtamaa said no EU stablecoin is globally competitive due to MiCA’s restrictive rules, which are influenced by bank and legacy finance lobbying.

Tether remains a major critic of MiCA
Tether, the issuer of the world’s largest stablecoin, USDt (USDT), has long been a critic of the EU’s MiCA regulation.

Last year, Tether CEO Paolo Ardoino argued that MiCA’s requirements, particularly the mandate for stablecoin issuers to hold at least 60% of reserves in EU bank accounts, could introduce systemic risks to both stablecoins and the broader banking system.

Due to noncompliance with MiCA, USDT has faced delistings from major European exchanges, including Coinbase, Crypto.com and Kraken.

@ Newshounds News™
Source:  CoinTelegraph

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“Tidbits From TNT” Tuesday Morning 4-22-2025

TNT:

Tishwash:  The Central Bank renews its warning against trading in withdrawn banknotes.

In recent years, this bank has observed the circulation of foreign banknotes from various countries, some of which are genuine and in circulation, others withdrawn from circulation, and some counterfeit. Such banknotes are used by unscrupulous outlaws to defraud citizens by luring them into exchanging them for Iraqi dinars at prices far exceeding their actual value.

They claim that exchanging them offers them significant profits and rare investment opportunities.

Therefore, the Central Bank of Iraq calls upon the public and the specialized security and regulatory agencies to monitor these matters and refrain from handling these banknotes. They should focus on Iraqi banknotes and those handled by the Central Bank of Iraq and the banking system, to avoid falling prey to outlaws.

Central Bank of Iraq

Media Office  link

Foreign banknotes withdrawn from circulation

Tishwash:  Federation of Chambers of Commerce: Visit of American companies resulted in a regulatory work agreement for the private sector

The Federation of Iraqi Chambers of Commerce affirmed on Monday that the visit of American companies is a message to the world that Iraq is a safe environment. It also explained that the visit resulted in an agreement on a regulatory framework for the private sector.

Abdul Razzaq Al-Zuhairi, head of the General Federation of Iraqi Chambers of Commerce, told the Iraqi News Agency (INA): “The visit of American companies to Iraq to invest and work with Iraqi businessmen is a positive and important step for Iraq.”

He explained that "Iraq is a fertile environment, and the visits of American companies to Iraq are a positive message to all countries of the world that Iraq is a safe environment."

He added, "American companies have signed numerous agreements with the Iraqi private sector in the fields of electric power and renewable energy. The most important memorandum is the signing of a regulatory framework between the Iraqi and American private sectors by the American Chamber of Commerce and the Iraqi Chamber of Commerce."

He pointed out that "a number of American companies have signed agreements with the private sector, most notably the global company Google, which is seeking to enter Iraq. Its representative came and wrote a positive message about Iraq, stating that Iraq is safe, which is an important message to the world  link

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Tishwash:  An expert identifies the missing link to diversifying sources of income and achieving economic reform.

Economic expert Qusay Safwan identified the missing link in the path to diversifying sources of income and achieving economic reform in Iraq. He noted that controlling corruption begins with the banking sector and is linked to understanding revenue risks and the behavior of the Iraqi dinar at border crossings.

During his appearance on the "Free Talk" program on Al Furat TV channel this evening, Safwan explained that "economic diversification cannot be achieved without regulating these outlets, which are a tool for protecting local production and developing investment." He indicated that "reforming the financial sector requires rehabilitating banks through mergers, partnerships, and specialization."

He stressed that "these goals are still far off, and the real beginning lies in developing the human resources working in the banking sector, especially since most Iraqi banks focus their grants on the housing sector."

Safwan explained that "the Central Bank's policy is geared toward supporting financial inclusion, as 40% of individuals use electronic banks, a matter linked to suspicions of money laundering." He called for "providing incentives to credit card holders and motivating them through tax exemptions and import facilitation, which would enhance the conversion of the dinar into hard currency through the Central Bank."

He pointed out that "the Central Bank alone cannot reform the Iraqi economy in light of the lack of control over border crossings and the citizens' lack of trust in banks," emphasizing that "investing in technology is costly, but necessary and yields tangible benefits for shops and businesses."

Safwan revealed that "Iraq has $100 billion in the US Federal Reserve," emphasizing "the need to eliminate intermediaries and build a direct relationship between producers and consumers," warning that "corruption is greater than the support available at the outlets."

He added, "Private banks were established as joint-stock companies, and their shares are now denominated below the dinar mark and are available to all." He called on the Central Bank to "address the dispute between it and the Companies Registrar regarding dividend distribution, which is prompting small shareholders to sell their shares to major investors."

Safwan concluded by saying, "Government banks need a comprehensive restructuring to drive development and create investment portfolios for agricultural, industrial, and commercial cities." He also highlighted the need to integrate the local market with global markets, similar to the Gulf banks, and attract $350 billion domestically. link

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Mot: Warning -- Warning --- Warning --- 

Mot:  and the Problem Is???? 

Seeds of Wisdom RV and Economic Updates Monday Evening 4-21-25

Good Evening Dinar Recaps,

INCOMING SEC CHAIR TO WEIGH MORE THAN 70 CRYPTO ETF FILINGS—INCLUDING SOLANA AND XRP

Spot crypto ETFs are currently limited to Bitcoin and Ethereum in the U.S., but analysts expect new approvals this year.

▪️Incoming SEC Chair Paul Atkins will have more than 70 crypto ETF hopefuls to review when he begins in the role.

▪️Funds pegged to Dogecoin, Pengu, Solana, XRP, and the Melania meme coin are all in the mix.

▪️After punting on XRP ETFs in March, the agency can delay its final decision until mid-October.

Incoming SEC Chair Paul Atkins will have an avalanche of crypto-related applications to sift through when he officially takes control of the regulator.

Hopeful issuers now await feedback on 72 crypto-linked exchange-traded funds in the U.S., including requests to list options, according to Bloomberg ETF analyst Eric Balchunas.

“Gonna be a wild year,” he said on X, formerly Twitter, on Monday, noting ETF hopefuls have positioned themselves to offer funds for assets ranging from Solana to the first lady’s meme coin.

Atkins was confirmed as U.S. President Donald Trump’s pick to lead the Securities and Exchange Commission by a full Senate vote around two weeks ago. His swearing-in ceremony is expected to take place soon, marking an official start to the SEC’s push to regulate crypto collaboratively under new leadership.

Although Atkins was a proponent of deregulation during his previous stint at the SEC, analysts say the crypto-friendly veteran may have to make a few first-time calls, specifically when it comes to which cryptocurrencies can be approved for listings as commodity-based trusts.

Balchunas did not immediately respond to a request for comment from Decrypt.

Last year, the SEC approved spot Bitcoin and Ethereum ETFs under former SEC Chair Gary Gensler. While the approvals represented a landmark moment for the crypto industry, it raised deeper questions about which cryptocurrencies should be regulated as commodities, and therefore be allowed to trade on Wall Street in a similar fashion to assets like gold.

In total, asset managers are looking for feedback on applications tied to 15 different cryptocurrencies beyond Bitcoin and Ethereum. Those include applications centered on digital assets with large valuations like Solana, Dogecoin, and XRP—alongside relatively nascent ones like the Solana-based tokens Bonk, Pengu, and Official Trump.

Under Acting SEC Chair Mark Uyeda, the agency has chipped away at some regulatory uncertainty. In February, the SEC said that it generally doesn’t consider meme coins to be securities, but it didn’t advise whether they were fitting for Wall Street wrappers.

For assets like XRP, the SEC won’t be forced to make a decision immediately after Atkins takes the reins at the agency. After punting on XRP ETFs in March, the agency can delay its final decision until mid-October.

@ Newshounds News™
Source:  Decrypt

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BRICS: CHINA UNVEILS FIRST GOLD ATM: MELTS AND CONVERTS GOLD

BRICS member China has unveiled the world’s first Gold ATM that melts, tests, and converts gold into instant bank transfers. The ATM has already witnessed long queues of people trying to sell off their generational gold. Users need to book an appointment to use it, and according to early reports, appointment slots are full until as late as May.

The Gold ATM is operated by China’s Kinghood Group and is installed at a mall in Shanghai. The machine weighs, checks the quality, and analyses the Gold before dispensing the money equivalent to the price that was put in. The ATM is designed to accept gold items of over three grams with a purity of at least 50 percent.

“The introduction of smart gold ATMs primarily serves a recycling function from a business perspective. This reflects the fact that, with rising gold prices, the value of gold held by the public has increased significantly, leading to a stronger desire to cash out,” Wion quoted Xu Weixin, a member of the Shanghai Gold Association, as saying. “There is still strong upward momentum for gold, mainly driven by central banks and institutional investors accelerating their gold purchases.”

XAU/USD Surges to All-Time High as China Begins Using Gold ATM

Furthermore, the development from China also comes as Gold prices globally are skyrocketing. Indeed, the precious metal touched the historic milestone of $3,400 on Monday.

The XAU/USD index, which tracks the performance of the precious metal, showed the commodity surging 70 points, spiking more than 2% in the day’s trade. The Spot Gold prices have risen close to 30% year-to-date, generating stellar returns to investors.

Commodity traders who took an entry position this year are all enjoying profits as the metal is heading north. This is the highest the glittery metal has surged in the last four months since 2010.

The steady yet unending accumulation of gold, as well as China’s new Gold ATM, could send its prices higher by the end of 2025. Senior Bloomberg strategist Mike McGlone recently predicted that the metal could soon hit the $4,000 mark next.

 “We’re putting in a pretty good base now around $3,000,” McGlone said. “It’s going to head into $4,000, the question is time. Anything in between there is for the traders, which I used to do.”

@ Newshounds News™
Source:  Watcher Guru

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Fed’s $2T Bailout is Prepped - Banks Will Echo WW2 Era

Fed’s $2T Bailout is Prepped - Banks Will Echo WW2 Era

Daniela Cambone:  4-21-2025

“It ends with the banks looking like they did at the end of World War II... half of their book was government bonds,” says R. Christopher Whalen, investment banker and author.

In a conversation with Daniela Cambone, he breaks down the systemic risks emerging in the treasury market. “Today the treasury market is basically a carry trade with a lot of hedge funds using 100 to 1 leverage.

That’s the market for treasury debt,” he explains, pointing to the fragility of the current system.

Whalen also argues that the Bretton Woods framework has eroded and that the dollar’s dominance is waning.

“This dollar Imperium has run its course.” He believes central banks — including the U.S. Federal Reserve — should diversify their reserves to include gold alongside major currencies like the dollar, euro, and yen.

He views gold as a strategic reserve asset with untapped financial utility. “I hope... the BIS is going to recognize gold as a high-quality liquid asset... it would become eligible to be collateral in swaps,” he says.

Key Topics:

President Trump and Powell were going to cross swords.

The Fed struggles to manage the economy and rates.

Multifamily real estate is the subprime today.

The Fed should be holding gold.

The dollar is attractive because of our marketplace.

National debt has tripled in 15 years.

Chapters:

 00:00 Trump and Powell

 4:26 US dollar

 5:31 Andrew Jackson

 7:43 Weaker dollar

8:59 High inflation

 9:38 Treasury market

11:44 Banking system

12:27 Financial system reset

 14:56 Gold

19:46 Housing market

21:21 National debt

 25:58 BRICS

26:58 Concluding words

https://www.youtube.com/watch?v=usb2PgiHF6o

“Bits and Pieces” in Dinarland Monday 4-21-2025

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 Mon. 21 April 2025

Compiled Mon. 21April 2025 12:01 am EST by Judy Byington

Sun. 20 April As We Enter the Final Phase – Trust The Plan. …Julian Assange

That system is collapsing. The Global Currency Reset is being activated. Restored Republics are forming as we speak. The Cabal is being exposed and taken down.

Sat. 20 April 2025: Quantum GESARA: G.E.S.A.R.A, Farmers Plan & More – Power Back to the People! …Nesara/Gesara on Telegram

QUANTUM GESARA: THE FINAL RESET HAS BEGUN In the midst of global turmoil and a crumbling fiat economy, a revolutionary system is emerging: Quantum GESARA. . It fuses NESARA/GESARA, quantum technology, the 1955 Price Reset, and the long-hidden Farmers Plan into one coordinated strike against the Deepstate’s economic empire. The reset isn’t coming—it’s underway.

A RETURN TO 1955: THE AMERICAN DREAM REBORN: Imagine a world where you can buy a home for the cost of a modern-day appliance. That’s the promise of the 1955 reset. Through the resurrection of suppressed executive orders and sovereign common law, we’re entering a phase where inflation is crushed, debt is erased, and life becomes affordable again. This isn’t nostalgia—it’s policy. History is being reversed.

The U.S. Treasury is aligning with ISO20022 and Rainbow Treasury Notes backed by gold and silver. The Federal Reserve? (allegedly) Gone. StarLink is the new nervous system of commerce. And with Quantum Internet on the rise, censorship will be obliterated as the truth floods the globe.

THE GLOBAL CURRENCY RESET (GCR): THE MOAB HAS DETONATED The GCR—aka The Mother of All Bombs—has been triggered. Treasury-backed Rainbow Notes are live in test markets. The old fiat system is disintegrating. A 10-day shutdown will (allegedly) activate the Emergency Broadcast System (EBS), and following a three-day Quantum Blockchain Election, governments will reset under new leadership—downsized by 90%.

RESTITUTION AND JUSTICE: NESARA, GESARA, AND THE ST GERMAIN TRUST Where is the stolen wealth? Who hijacked the prosperity programs? The answers are being exposed. The return of taxes paid, reparations for illigal foreclosures, and justice for the stolen St Germain Trust are at the core of NESARA/GESARA. This is not theory—it’s restitution.

Possible Calendar of Events …EBS Activated on Telegram

Tues. 6 May All banks gone Quantum: Fiat = DEAD. Gold, silver, energy-tokens: QFS ACTIVE.

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Global Currency Reset:

Sun. 20 April 2025: Final execution in progress. The wait is over. …Mr. Pool @rM_looP311-7211

Notifications will be (allegedly) delivered Mon. 21 April 2025 and Tues. 22 April 2025

Confirmed: Tier4b activations have (allegedly) begun!

The global financial system is in the midst of a transition. Major banking institutions in Zurich, the Rhineland and Hong Kong have entered the final liquidity phase. Important sources confirm that notifications are(allegedly)  already being sent.

It’s happening now. Historic moves (allegedly) underway!

Multiple sources report that the QFS is clearing high-value transactions, ensuring large-scale liquidity deployment across multiple levels. Private banking sources confirm that funds are being transferred to designated accounts. This is(allegedly)  the final stage before the public launch!

Urgent: Bank screens now(allegedly)  displaying live trading rates!

IQD: $9.35 – now activated on internal banking platforms!
VND: US$5.89 – Surpassing projected levels!
ZIM: Processing – Elite groups now receiving!

Private Jet landing: high level transactions confirmed!

Military and government agents have (allegedly) arrived in Reno and Hong Kong. Elite bank employees are being escorted under security protocols; something historic is happening.

The next six to twelve hours are crucial.

The Deepstate Cabal has lost control: their desperate moves are (allegedly) being halted in real time. The new gold-backed financial system ha(allegedly) s arrived. This is global economic liberation in action. The last switch is filling! Get ready! Keep an eye on your inbox. Once this process is complete, nothing can stop it.

April 2025 Wolverine: Trump’s Executive Order has confirmed that GESARA mandates are now in effect: Exchange Centers have (allegedly) activated, Biometric Confidentiality Agreement(allegedly) s in place; Quantum Access Cards (allegedly) distributed; Military Courts(allegedly)  in progress; Digital Gold Wallets (allegedly) ready and the Starlink controlled Global transition was(allegedly)  in full progress. God bless you all.

Fri. 18 April 2025: Breaking News: $980 Trillion of Cabal Money Purged from Banks Unleashes Global Financial Turmoil – amg-news.com – American Media Group

Read full post here:  https://dinarchronicles.com/2025/04/21/restored-republic-via-a-gcr-update-as-of-april-21-2025/

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

Frank26   I believe it's implemented.  I believe they're using the new exchange rate.  I can't prove it to you...but based on what I read...At 1310, 2 + 2 = is not 7. 2 + 2 is 4.  These articles, this is logical.  This is the truth.  They're telling you what they're doing, what they're going to do.  They're telling you how they're protecting the new exchange rate from parliament.   

Militia Man  'Investing in strategic minerals such as thorium could generate returns comparable to oil as thorium is cleaner and more important alternative than uranium.  Linking the value of the national currency to invest in the minerals depends on Iraq’s ability to enter valued added chains which contribute to raising the gross domestic product…This boom in mineral investment will positively impact fiscal and monetary policy by enhancing monetary stability.'  That’s what they want, monetary stability…It’s kind of a long article but it’s fascinating.  Linking the value of the national currency to investment based off their natural resources I think is quite simple to understand … The expectation is Iraq will have a real effective exchange rate and open up and integrate into the International financial system.

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$10,000 Gold This Year? Monetary Reset Breadcrumbs In Plain Sight | Mike Maloney

4-21-2025

Is the U.S. preparing for a monetary reset backed by gold?

In this powerful exposé, we follow the trail of breadcrumbs—from historical cycles and central bank actions to the massive inflows of gold into U.S. vaults.

 Discover how past monetary transitions line up with today’s geopolitical and financial chaos, and why a $10,000 gold price may be more than just speculation—it could be imminent reality.

Inside This Video:

The 50-year monetary reset cycle

Surging U.S. gold imports and Fort Knox whispers

Treasury officials hinting at a new gold standard

 A step-by-step breakdown of how gold could hit $10,000

https://www.youtube.com/watch?v=GGsWLA7s9Ow

“Tidbits From TNT” Monday 4-21-2025

TNT:

Tishwash:  What is the importance of American companies visiting Iraq?

The Federation of Iraqi Chambers of Commerce affirmed on Monday that the visit of American companies is a message to the world that Iraq is a safe environment. It also explained that the visit resulted in an agreement on a regulatory framework for the private sector.

Abdul Razzaq Al-Zuhairi, head of the Federation of Iraqi Chambers of Commerce, said, "The visit of American companies to Iraq to invest and work with Iraqi businessmen is a positive and important step for Iraq."

He explained that "Iraq is a fertile environment, and the visit of American companies to Iraq is a positive message to all countries of the world that Iraq is a safe environment."

He added, "American companies have signed numerous agreements with the Iraqi private sector in the fields of electric power and renewable energy. The most important memorandum is the signing of a regulatory framework between the Iraqi and American private sectors by the American Chamber of Commerce and the Iraqi Chamber of Commerce."

He pointed out that "a number of American companies have signed agreements with the private sector, most notably the global company Google, which is seeking to enter Iraq. Its representative came and wrote a positive message about Iraq, stating that Iraq is safe, which is an important message to the world."  link

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Tishwash:  Representatives of the Iraqi oil ministry, KRG, and APIKUR meet in Erbil, April 20, 2025.

A trilateral meeting was convened in Erbil on Sunday among representatives of the Iraqi Ministry of Oil, Kurdistan Regional Government (KRG), and the Association of the Petroleum Industry of Kurdistan (APIKUR) to address critical issues concerning the Kurdistan Region's oil sector, with a primary focus on resuming oil exports. Omid Sabah, Chief of Staff of the KRG Council of Ministers, stated that discussions involved the operational activities of oil companies and explored mechanisms to facilitate the restart of exports. 

The meeting also considered the challenges and proposals presented by these companies to create a conducive environment for resuming oil exports promptly.​

Despite the Iraqi Parliament's approval of amendments to the federal budget law on February 2, 2025, particularly Article 12 concerning the resumption of Kurdistan's oil exports, disagreements between the federal government and the KRG have hindered the implementation of these provisions. The amendments stipulate that the federal Ministry of Finance will compensate the KRG for production and transportation costs of oil delivered to the State Oil Marketing Organization (SOMO). An international technical advisory body, to be appointed jointly by the federal and regional governments, was tasked with determining the fair cost of production and transportation for each oil field within 60 days of the law's enactment. However, this deadline has passed without an agreement, prompting concerns from Iraqi lawmakers.​

Adnan al-Jaberi, Deputy Chairman of the Iraqi Parliament's Oil and Gas Committee, emphasized that the 60-day period to select a consulting firm has expired without consensus. He noted that, in the absence of agreement, the federal government reserves the right to unilaterally appoint the advisory body.​

Meanwhile, oil production companies operating in the Kurdistan Region have expressed skepticism toward the Iraqi Ministry of Oil. These companies demand the settlement of outstanding payments for past production, advance payments, and future guarantees as prerequisites for resuming export operations.​

The halt in oil exports since March 2023, following a ruling by the International Chamber of Commerce in Paris, has significantly impacted the Kurdistan Region's economy, leading to delays in public sector salaries and reductions in essential services. Baghdad is under increasing pressure to resolve these disputes to restore financial stability and economic growth across Iraq.​

As negotiations continue, the resumption of oil exports remains contingent upon resolving contractual disagreements, ensuring fair compensation for production and transportation costs, and rebuilding trust between the federal government and oil companies operating in the region.

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Tishwash:   The Central Bank launches the virtual bank project.

The Central Bank of Iraq announces its adoption of a project to launch a virtual bank in Iraqi universities. This is the first virtual bank to be established in an Iraqi university. The first phase will be held at Al-Muthanna University, which hosted a comprehensive exhibition held on the sidelines of the second scientific conference "Artificial Intelligence and Labor Market Requirements."

The conference was organized by the University's College of Administration and Economics, in cooperation with Mansoura University of Egypt, the Central Bank of Iraq, the Muthanna Chamber of Commerce, and the Muthanna Chamber of Industry.

The exhibition included pavilions representing a group of banks and companies, as well as displays of fine art and heritage.

The virtual bank project aims to provide students and graduates with practical experience in banking, preparing them to develop human resources capable of meeting the needs of financial institutions. It also aims to provide students with practical experience by simulating the work of financial institutions and adopting international best practices.

It also aims to encourage financial institutions operating in Iraq to access and expand financial services to all geographical regions of Iraq, with the aim of strengthening financial inclusion plans.

Central Bank of Iraq
Media Office
April 20, 2025  link

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Mot: Those Voices in da Head!! -- Always important to Listen to um - Ya Knows!!!

Mot: .... Just uns Perspective Fer Sure!!! 

Seeds of Wisdom RV and Economic Updates Monday Morning 4-21-25

Good Morning Dinar Recaps,

CARDANO FOUNDER SAYS BUTERIN’S NEW ETHEREUM PROPOSAL ‘MAKES SENSE’

A fleeting exchange on social media has drawn two of the crypto sector’s most prominent protocol architects into unexpected alignment. On Sunday, Cardano creator Charles Hoskinson replied to a technical blog post from Ethereum co‑founder Vitalik Buterin with a terse endorsement: “It makes sense, we are using RISC V with BitVMX. It’s the future.”

Buterin’s Latest Proposal For Ethereum

The comment was triggered by Buterin’s newly published “Long‑term L1 execution layer proposal” on the Ethereum Magicians forum, where he argues that Ethereum should abandon the Ethereum Virtual Machine (EVM) in favour of the open‑source RISC‑V instruction‑set architecture.

In the proposal Buterin calls the idea “equally as ambitious as the beam‑chain effort is for the consensus layer,” contending that a RISC‑V transition would “greatly improve the efficiency of the Ethereum execution layer, resolving one of the primary scaling bottlenecks,” while also simplifying the core codebase. He stresses that the familiar account model and opcodes “would stay exactly the same,” explaining that opcodes such as SLOAD, SSTORE and CALL would be exposed to contracts as RISC‑V syscalls.

“Old‑style EVM contracts will continue to work and will be fully two‑way interoperable with new‑style RISC‑V contracts,” he adds, sketching implementation paths that range from a dual‑VM environment to a more radical interpreter‑based migration.

Buterin’s technical motivation centres on the cost of proving EVM execution inside zero‑knowledge circuits. He points to measurements from Succinct’s ZK‑EVM showing that four tasks—deserialising inputs, initialising the witness database, computing state roots and executing blocks—consume the bulk of prover cycles.

The last of those, block execution, alone accounts for roughly half of total proving time. “Some numbers suggest that in limited cases, this could give efficiency gains over 100 ×,” Buterin writes, suggesting that direct access to a RISC‑V virtual machine could eliminate the overhead of compiling the EVM into RISC‑V for ZK proof generation. He argues that even if pre‑compiles become the new bottleneck, the shift would still produce “very significant” performance wins.

Cardano’s Use Of RISC‑V

Hoskinson’s swift assent carries weight because Cardano has been building around the same architecture. The network’s extended UTxO model is now being paired with BitVMX FORCE, a collaborative effort designed to let Cardano dApps tap into Bitcoin’s liquidity and decentralised‑finance activity.

BitVMX emulates a general‑purpose CPU for Bitcoin using RISC‑V, which in turn lets Cardano’s domain‑specific languages—Plutus and the low‑level Aiken—compile contracts that run seamlessly on either chain. By adopting the same instruction set for its off‑chain circuits,

 Cardano hopes to render zero‑knowledge proofs more efficient and to facilitate cross‑chain functionality without resorting to trusted bridges.

RISC‑V’s appeal is two‑fold. As an open specification it avoids licensing constraints while offering implementers freedom to add extensions; at the same time, it’s simple, orthogonal design is friendlier to zero‑knowledge proof systems than the EVM’s eclectic opcode catalogue or Bitcoin’s austere script. 

Hoskinson’s “It’s the future” therefore describes not merely Cardano’s roadmap but a growing industry trend, now echoed inside Ethereum’s own research circles.

Whether Ethereum’s highly conservative core‑dev process will embrace Buterin’s proposal remains uncertain. The Beacon‑chain merge, the Cancun/Deneb upgrade and the push toward statelessness already crowd the execution‑layer agenda.

Yet the fact that both a UTXO‑based competitor and the originator of account‑based smart contracts now cite RISC‑V as the optimal long‑term target suggests that the argument will not dissipate quickly. As Buterin concludes, stripping the base layer to “well within” ten thousand lines of code may require “this kind of radical change.”

@ Newshounds News™
Source:  Bitcoinist

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SOUTH KOREA'S CENTRAL BANK VOWS TO 'ACTIVELY PARTICIPATE' IN STABLECOIN LEGISLATION DEVELOPMENT

▪️The Bank of Korea said it will actively participate in developing stablecoin regulations to prevent potential risk to monetary and financial stability.

▪️The country is working on the second part of its crypto legislation, which is set to focus on stablecoins and transparency requirements for crypto services.

The Bank of Korea said it will "actively participate" in the country's efforts to build a regulatory framework for stablecoins in order to mitigate potential monetary and financial risks.

"Unlike general virtual assets, stablecoins inherently possess characteristics of a payment measure," the BOK said in a payment systems report on Monday. "If their usage expands, they could … undermine the effectiveness of monetary policies."

The central bank also pointed out that stablecoins could transmit risks from crypto-related crises to the traditional financial market, threatening financial stability and the integrity of payment and settlement systems.

"The [Bank of Korea] intends to present its views on the desirable direction of stablecoin regulation from a central bank perspective," the bank said.

South Korea is currently developing a follow-up legal framework to its inaugural crypto law, which took effect in July 2024 and focuses heavily on protecting crypto investors by setting stricter requirements for exchanges.

The second bill is set to establish a regulatory framework for stablecoins and provide clearer classifications for crypto service providers, along with rules for more transparent token listings and disclosures, the BOK said in its report.

South Korea's Financial Services Commission previously announced that it would start drafting the legislation in the second half of this year.

The BOK report suggested that the country had 18.25 million crypto investors as of December 2024, which is more than 35% of its current total population. The top five exchanges in South Korea see an average daily trading volume of around $12.1 billion.

In a parallel effort, the BOK is testing its central bank digital currency with participation from citizens, retail shops and local banks to determine its commercial feasibility. Local news outlets reported that the central bank's planned second-stage trial, set for October, will explore peer-to-peer transfers of the CBDC.

@ Newshounds News™
Source:  The Block

~~~~~~~~~

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15 Folks Who Lost Everything Are Revealing What Actually Happened And It Shows How Broken Our System Really Is

15 Folks Who Lost Everything Are Revealing What Actually Happened

 And It Shows How Broken Our System Really Is 

Aaron Ant  Sun, April 20, 2025  BuzzFeed

Money isn't a measure of character, but society acts like it is. And that couldn't be further from the truth. It's important to hear that at a time when financial anxieties are at an all-time high.

Jobs are vanishing, the stock market is fluctuating, medical bills are piling up, and government budget cuts are putting Social Security and other public services at risk. For some, the economic situation we're currently facing mirrors previous recessions.

Bankruptcy and financial loss aren't personal failures in any capacity. More often than not, it's a case of someone in a system that's already working against them.

Last week, I asked members of the BuzzFeed Community to open up about experiencing bankruptcy or losing it all, and these submissions shared some honest insight into how they handled or are currently handling debt and stress.

Note: Some submissions have been edited and condensed for clarity. Some responses are from this Reddit thread. 

1."So, I was a stay-at-home mom at the time, because my old job hadn’t paid enough to cover daycare. My ex-husband made enough for us to live on, but nothing more, really. My parents helped put him through grad school. Then he committed crimes and was fired (of course), and I was unemployed with two kids and no daycare openings.

I scrambled to find a job and a place to live, and am eternally grateful for my parents’ support. That said, my job paid about a quarter of what his did, so there was no choice. I’m a little more than halfway through."

"That’s the backstory, but here’s the truth: it’s MORTIFYING. The bank I’d been using since I was 15 closed my account unceremoniously. Didn’t matter that I hadn’t had any loans through them that were discharged. Just cut me off and mailed me a check weeks later. I can’t get a cellphone plan or any reasonable insurance, I had to pay cash for a car, and thank heavens, my parents were willing to have their names on my utilities because the WATER company refused to give me an account.

Before this, I’d never missed payments or fallen behind, and had good credit. It was so good that most of the debt was in my name, which probably worked out great for my crap bag ex. So that’s it, I pay for someone else’s mistakes every day. And if it weren’t for my parents, it would have been catastrophically worse."   —shannonmiz

2."I'm a bankruptcy paralegal, and honestly, people think it will be so much worse, but it's a fairly simple process. Even the 341 meeting of creditors isn't that bad. Bankruptcy forms are free online, and if you want to file, my biggest advice is to fill out forms A/B (personal property), I (income), and J (expenses) because a lot of the holdup is just trying to get that info. So many people will call crying after their discharge, thanking us because they feel the weight off their chest."   —monikap6

3."American here. My husband and I filed after I got sick and couldn’t work for two years, racking up medical debt without the income to pay it, and using credit cards to buy groceries and basic needs. We had to move back in with my family because we couldn’t afford rent. We filed a Chapter 13, which meant we still owed a large portion of the money, but a fraction of the total. We've just paid it off after five years of payments."

"We’re wiser about our budget now, we’ve completed credit counseling, and our income has now increased to where we rent and our only debt is student loans. We’ll have to get secured credit cards and build credit back up slowly. It’s a long process, but I’m so thankful we did it. The payments were tough, but manageable, and we now have a sense of accomplishment, as well as a sense of how to build a nest in savings that can be there if one of us is out of work due to illness. It sucked, but I’m forever thankful."   —carak4a8cd43e8

 4."21 years ago, I'd just had a child. He turned 1, my spouse came home, and decided he wanted a divorce! I didn’t even know we were having issues! I mean, we just had a kid! I was always a happy-go-lucky type! Came out of nowhere! Discovered we were $100,000 in debt!"

TO READ MORE:  https://www.yahoo.com/finance/news/americans-doom-buying-coffee-olive-224100006.html 

News, Rumors and Opinions Monday AM 4-21-2025

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.

Ariel : Flipping the Switch?

4-20-2025

Happy Easter Everyone

Nobody can say they did not hear “The Trump Card” mentioned along side the Gold Card at a recent meeting some days ago.

We have always heard Easter was the timeline. Well today would be the prime event for such a vision of foretold tales.

But what is the nature of this ‘Trump Card’?

Does it really come down to flipping the switch in terms of the new financial system?

Many would say so base on many symbolic gestures of those who are considered crypto demigods to some.

But I would be a hypocrite if I was not the one also saying this years ago when I mentioned that the Iraqi Dinar will be the kick off point to an entire new financial system.

And Iraq has shown major progress in that regard. As many announcements have been made over the past couple of weeks that shows they are serious about going international.

Trump Card Defined: A coded operation, rooted in Trump’s authority, to shift the world to a gold-backed financial system, ending fiat currency manipulation.

Iraqi Dinar’s Role: Its revaluation, announced in early 2025, triggers the reset, as Iraq’s economic integration destabilizes the petrodollar.

Easter Timeline: Easter Sunday 2025 (April 20) is the designated date for the reset’s public phase? Aligning with symbolic rebirth and Trump’s strategic messaging.

Gold Card Connection: Represents the new currency standard, backed by gold reserves, already in use by select TDC operatives since 2023.

Trump’s  (possible) Intent: To dismantle Cabal-controlled financial systems, free humanity from economic oppression, and secure his legacy as a liberator.

There is so much to choose from.

Does this align with the nature of the ‘Trump Card’?

Are we really at the cusp of this happening?

We do not have long to find out. Because Melania Trump said something very interesting a couple of days ago.

Did any of you catch it?

Source(s):
https://x.com/Prolotario1/status/1914042395810812277

https://dinarchronicles.com/2025/04/20/ariel-prolotario1-flipping-the-switch/

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

Militia Man  Those that are out there that believe this was a scam, you’ve been told it’s a scam and those not invested,  they’re going to have a rude awakening…It’s going to be a horrible one.  I think a lot of people are gonna be really bummed out because of this event.  It’s not just about Iraq.  It’s about all kinds of countries and it’s a really big deal and a complex.

Frank26   What's going on right now?  We seek security and stability for the new exchange rate.  That's it.  Do we seek the budget?  Well, only if it has a new exchange rate.  If not, you can just see the dog-on-thing, I don't want it.  Do we seek the contracts?  Only the rewritten contracts with the new exchange rate in it.  Other than that I don't care about your 'memo of understanding' or anything else.  Do we seek the HCL?  What good does it do you you don't have an exchange rate...We're waiting for the new exchange rate.  Everything waits for the new exchange rate.  And how are we going to get it? ...Iran, deal or no deal?

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

URGENT BREAKING NEWS Iraq's $16 Trillion Windfall

Edu Matrix:  4-20-2025

00:00:00 Iraq's Hidden Wealth

00:00:16 A Global Leader

 00:00:58 Billions Beneath the Surface

00:01:19 The Thorium and Uranium Opportunity

00:01:43 Building the Future

00:02:03 A Global Player

00:02:15 Iraq's Strategic Advantage

 00:02:31 Iraq's True Potential

https://www.youtube.com/watch?v=QHSy1QAxjVA

Trump Launches A Gold-Backed Plan To End Fiat Currency | Andy Schectman

Two Dollars Investing:  4-20-2025

https://www.youtube.com/watch?v=ygirY9fuWgY

7 Ways To Recession-Proof Your Savings

7 Ways To Recession-Proof Your Savings

Protect your money by taking these seven steps.

Kat Tretina   Updated Tue, April 15, 2025  Yahoo Personal Finance

2025 has been off to a rocky start. Consumer confidence has plummeted thanks to persistent inflation, market volatility, and other challenges created by the new administration's aggressive tariff policies. Now, we can add recession concerns to the list.

According to the latest CNBC CFO Council quarterly survey, 60% of CFOs expect a recession in the second half of the year, while another 15% say a recession will hit in 2026. In early April, global investment bank Goldman Sachs also raised its estimate of the likelihood of a U.S. recession from 35% to 45%.

Although the country is not in a recession yet, there's a good chance it could be in the next few months. Taking some steps now can help you recession-proof your savings and protect your finances.

What Is A Recession?

A recession is a term that inspires fear in politicians, economists, and business owners, but what does it really mean? Although precise definitions vary, the National Bureau of Economic Research (NBER) — a private, nonprofit organization that analyzes economic conditions — defines a recession as a period of significant economic decline that lasts for several months.

The NBER looks for several factors to determine if a recession has occurred, such as higher unemployment rates, home prices and sales, stock market declines, and wages.

Recessions are a natural and unavoidable part of the economic cycle. In fact, there have been over a dozen recessions since World War II. The most recent recession was in the spring of 2020, when the COVID-19 pandemic affected the country.

In general, recessions occur every few years, and they typically last for about 10 months.

7 Ways To Recession-Proof Your Savings

During a recession, you may experience the following issues:

• Savings interest rates may decline: To stimulate the economy and encourage spending, the Federal Reserve will often slash rates. As a result, loans will become less expensive, but the rates on deposit accounts — such as savings accounts and certificates of deposit (CDs) — will also decline. That means any money you have saved will grow at a much slower pace.

• Earnings may stagnate: During a recession, unemployment levels are up, and workers' wages tend to stagnate, so you may not qualify for a raise. Many businesses also initiate layoffs.

• Lenders may tighten their standards: During a recession, lenders often institute stricter lending requirements for borrowers, making it more difficult to qualify for new credit or loans.

To minimize the impact of a recession on your financial well-being, follow these steps:

TO READ MORE:  https://www.yahoo.com/finance/personal-finance/banking/article/recession-proof-savings-181158511.html

The Most Dangerous Trade in the World Is Unraveling – Bert Dohmen

The Most Dangerous Trade in the World Is Unraveling – Bert Dohmen

Kitco News:  4-19-2025

Global markets are flashing warning signs as credit spreads widen, gold hits new record highs, and political pressure mounts on central banks.

With the European Central Bank cutting rates to 2.25% and Trump attacking Fed Chair Jerome Powell over rate policy, the battle between inflation, growth, and monetary control is intensifying.

 In this Kitco News interview, Bert Dohmen, founder of Dohmen Capital and author of the Wellington Letter, joins Jeremy Szafron to dissect the critical forces reshaping today’s markets.

From the hidden dangers of the basis trade to growing cracks in credit markets, Dohmen outlines why the system is under stress—and where smart money is moving next.

He also explains why the Fed is “boxed in,” why gold miners remain undervalued despite gold’s surge to $3,370, and what capital flight signals about confidence in traditional safe havens like Treasuries. Follow

00:00 Introduction

 01:25 Market Dynamics and Risks

01:46 The Basis Trade Explained

04:36 ECB vs. Fed: Diverging Policies

 05:47 Historical Perspectives on Interest Rates and Inflation

07:50 Credit Spreads and Market Signals

09:42 Gold and Market Liquidity

13:57 Equities and Market Health

21:34 Gold Miners and Investment Opportunities

 25:24 Long-Term Market Cycles and Predictions

32:28 Conclusion

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

News, Rumors and Opinions Sunday 4-20-2025

Gold Telegraph: The World Rushes Back to Gold

4-20-2025

Gold Telegraph  @GoldTelegraph

“In just the past year, the U.S. dollar has lost over 35% of its purchasing power against gold, driven by record central bank gold buying…”

The Global Safe Haven Is Slowly Breaking: Why Central Banks Are Turning to Gold
https://www.goldtelegraph.com/2025/04/18/the-global-safe-haven-is-slowly-breaking-why-central-banks-are-turning-to-gold/

The President of the United States is studying how to fire Federal Reserve Chair Jerome Powell. The spotlight is now on those who control the printing press… Lookout.

The international monetary system is defined by something very simple: Currencies float against each other, anchored in nothing but your trust.

No gold.
No peg.

It is not a coincidence that central banks have bought 1,000 tonnes of gold for three straight years.

There is a quote from history that many have forgotten:

Shortly after the U.S. ended dollar convertibility to gold in 1971, the Treasury Secretary bluntly declared:

“The dollar is our currency, but it’s your problem.”

This speaks volumes. Today, the world rushes back to gold.

BREAKING NEWS” FRANCE IS WARNING THAT THE PRESIDENT OF THE UNITED STATES WOULD PUT THE CREDIBILITY OF THE DOLLAR ON THE LINE IF HE FIRED FEDERAL RESERVE CHAIR JEROME POWELL

You are reading this right. I think we are out of popcorn at this point.

Source: https://www.bloomberg.com/news/articles/2025-04-19/firing-powell-would-hurt-the-dollar-and-us-economy-france-says

A gold ATM in China.

https://twitter.com/i/status/1913811823750750714

It melts the gold and transfers the amount corresponding to its weight to your bank account. The future is calling…

Source(s):  https://x.com/GoldTelegraph_/status/1913567349673742410

https://dinarchronicles.com/2025/04/20/gold-telegraph-the-world-rushes-back-to-gold/

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

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

Militia Man  What's the hold up?  I would say the integration into the global financial system with a new real effective exchange rate.  That's it.  That's what I believe...and I believe they're ready.

Frank26  If they come out at 1 to 1 that's stupid.  But if they come out at $3.22 that's an RI...What if they come out at $3.23?  Is it an RI?  It's an RV.  

Frank26  I believe this is a reinstatement, an RI because the RV...that was done a long time ago, about 5 to 7 years ago... IMO the new exchange rate, whatever it is...they've been using it for quite a while now. 'Oh, sure Frank, Oh sure! Oh sure!'  You don't believe it?  Don't believe it.  It's my opinion.  You know why it's my opinion?  It's the only way everything makes sense that we're seeing...We're missing variables...It's called the new exchange rate...

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

GOLD RUSH HOUR: Real Lessons From a Reset & Life After the Dollar

Taylor Kenny:  4-20-2025

n this episode of Gold Rush Hour, Taylor Kenney and ITM Trading President Eric Griffin dig into the hidden warning signs of a dying dollar, rising volatility, and what history tells us about currency resets.

With gold hitting new highs and the Fed denying reality, we ask: are we already in the final stage of the dollar’s life cycle?

Special guest Fernando, a Senior Consultant at ITM, shares his family's experience living through a currency collapse—and what gold did for those who were prepared.

If you want to understand what’s coming and how to protect yourself, don’t miss this one

https://www.youtube.com/watch?v=Eq03ddDwfrU

Seeds of Wisdom RV and Economic Updates Sunday Morning 4-20-25

Good Morning Dinar Recaps

JP MORGAN SAYS BITCOIN'S SAFE-HAVEN APPEAL IS CRUMBLING FAST

JPMorgan signals a major shift in market sentiment, highlighting fading bitcoin demand as gold captures massive inflows and reasserts dominance in the global safe-haven race.

JPMorgan Warns Bitcoin Is Losing Ground to Gold as Global Flows Shift Dramatically

JPMorgan Chase analysts stated Wednesday that bitcoin is no longer riding the wave of safe-haven demand, contrasting sharply with gold’s recent inflows. In a research note, the team led by managing director Nikolaos Panigirtzoglou pointed to clear signs of fading investor appetite for BTC. The JPMorgan analysts stated:

Bitcoin has failed to benefit from the safe haven flows that have been supporting gold
.
They observed that the cryptocurrency has suffered from three consecutive months of exchange-traded fund (ETF) outflows and reduced speculative interest in the futures market.

Gold, in contrast, has drawn consistent flows from both institutional and speculative investors. “Despite a decline in market breadth and liquidity, gold continues to benefit from safe haven flows in a similar fashion to currencies like the Swiss franc and the yen,” the analysts detailed.

 “These safe haven flows are seen in both the ETF and futures spaces.” Global gold ETFs saw $21.1 billion in net inflows in the first quarter of 2025, including $2.3 billion from China and Hong Kong-based ETFs.

Earlier this month, JPMorgan analysts warned that bitcoin’s status as a safe-haven asset may be weakening. They said the cryptocurrency’s “digital gold” narrative is under pressure as gold continues to see stronger demand.

The report also stated that gold is leading the current debasement trade and remains its primary beneficiary. JPMorgan continues to consider BTC’s estimated production cost a key price indicator, despite ongoing concerns. Analysts said gold remains the main asset benefiting from currency debasement. They identified $62,000, bitcoin’s estimated production cost, as a critical support level.

@ Newshounds News™
Source:  Bitcoin News

~~~~~~~~~

REAL-TIME PAYMENTS SURGE GLOBALLY AS US RAISES LIMITS, BRAZIL DRIVES DIGITAL INCLUSION

The growth of real-time payments has been global in scope, and as detailed in the latest “Real-Time Payments World Map,” a collaboration between PYMNTS Intelligence and The Clearing House, there’s an increasing maturity and broadening adoption of instant payment systems.

Increased transaction limits indicate that a variety of new use cases are coming to the forefront, particularly in commercial settings. A significant development in the United States is the recent increase in The Clearing House’s RTP network transaction limit to $10 million, up from $1 million as of Feb. 9.

The recent boost to transaction limits is leagues above the initial limit. When The Clearing House (TCH) launched its RTP® network in 2017 — the first new payments infrastructure in about 40 years — the transaction limit was $25,000. Jim Colassano, TCH’s senior vice president of RTP Product Development, told PYMNTS in the wake of the $10 million ceiling announcement that, “we’re seeing an explosion of new use cases on the network, and we’re seeing a lot more activity.”

This enhancement has already facilitated substantial intercompany transfers, exemplified by BNY Mellon’s $10 million liquidity management transaction for its client Computershare. The fact that over 285,000 businesses now utilize the RTP rail monthly signals a growing corporate appetite for higher-value instant payments.

Brazil’s ‘Game Changer’

In nations such as Brazil, instant payments are finding wide embrace, as central bank initiatives have proven to be a tailwind. As André Cazotto, investor relations officer, M&A, and corporate strategy officer at PicPay, told PYMNTS in April, “the central bank played a huge role in digital inclusion and competition. Pix — the instant payment system — was a game-changer. In 2024 alone, 155 million people used Pix for transactions totaling over 27 trillion reais.”

The Pix instant payment network is set to introduce a recurring payments feature, Pix Automático, in June. This functionality will streamline recurring billing for both consumers and businesses by automating payments for utilities, streaming services and other regular expenses, potentially reducing reliance on multiple banking partnerships.

The real-time payments ecosystem is also attracting new entrants, particularly in the digital wallet arena. Social media giant X is poised to launch its “X Money Account” in late 2025, partnering with Visa to enable in-platform peer-to-peer payments linked to debit cards via Visa Direct. This move indicates the potential for significant disruption and expanded reach for real-time payments within social media platforms.

Infrastructure providers are also bolstering their capabilities. FIS recently achieved full send capabilities certification for the FedNow® Service, building upon its previous receive-only certification. This advancement allows FIS to support the complete payment lifecycle for its partner banks on the Federal Reserve’s real-time payments rail, including instant payments for various use cases like loans, rent and bills.

@ Newshounds News™
Source:  PYMNTS

~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

Q & A Classroom Link  

Follow the Roadmap

Follow the Timeline 

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps