The Hidden Financial Reset: How Basel III Quietly Divided the World

The Hidden Financial Reset: How Basel III Quietly Divided the World

Miles Harris:  6-30-2025

It’s not de-dollarization. It’s not collapse. It’s a redesign — a regulatory one — that’s driving a hidden financial reset.

No tanks. No headlines. Just a quiet change in banking rules — and suddenly, the global financial system is reset into two.

Basel III flipped the script. In the West: gold sidelined, debt supercharged.

 In the East: a quiet buildup of gold and digital escape hatches. Two systems. One breaking point?

Since the 2008 financial crisis, banking regulation has gone through a quiet revolution. It didn’t make headlines. It didn’t trigger protests. But it redrew the incentives that shape how central banks and commercial banks manage money — and it did so in a way that now reveals a growing divergence between East and West.

00:00 Intro

01:23 Basel II Vs. Basel III

04:23 The Strategic Impact

 04:58 Summary of the Regulatory Shift

 06:53 The Bigger Picture

07:53 Summary

https://www.youtube.com/watch?v=hsRgTu5UEFg

Seeds of Wisdom RV and Economic Updates Monday Morning 6-30-25

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The End of Bank Branches: How Europe’s Digital Euro and Stablecoins Are Reshaping Finance

The financial world is undergoing a radical digital shift—and physical bank branches are quickly becoming obsolete.

Banking Faces a Digital Reckoning

The slow disappearance of local bank branches across Europe reflects a much deeper transformation. Digitalization, AI, and automation are now reshaping how we work, shop, and save—leaving traditional banking struggling to keep pace.

▪️ In Germany, over 560 branches were closed in 2023 alone, a 2.8% drop.
▪️ This is part of a decades-long contraction: from nearly 60,000 branches in the 1990s to just 18,933 today.
▪️ High rents, shrinking populations, and the dominance of e-commerce have hit brick-and-mortar services hard.

The quiet death of Germany’s bank branches is just one symptom of this evolution—but it's a global story now playing out in real time.

Deutsche Bank: Leading the Downsizing

In March, Deutsche Bank announced a wave of layoffs and branch closures.

“We are witnessing a fundamental transformation in the German banking sector,” said CEO Christian Sewing.

▪️ The bank will cut 2,000 jobs and shutter a “significant number” of branches this year.
▪️ Client consultations are moving to video calls and digital platforms, trading human interaction for efficiency.

This paradigm shift threatens the personal trust built through face-to-face banking—once considered the bedrock of retail finance.

Crushed by Policy, Not Just Progress

Technological change is not the only culprit. The European Central Bank’s (ECB) ultra-loose monetary policy has had devastating effects:

▪️ More than a decade of negative interest rates crushed banks’ ability to earn profit through traditional lending.
▪️ Banks were squeezed by regulatory costs, penalty interest, and flattened yield curves.
▪️ The ECB’s moves helped heavily indebted Eurozone countries like Spain, Italy, and France—but at the expense of private banks and savers.

The branch closures, layoffs, and pivot to digital aren’t just market-driven—they are also policy-driven.

Stablecoins and the Digital Euro: The Final Blow?

The next major disruption comes from stablecoins and the proposed digital euro—two innovations that could sideline banks entirely.

▪️ Stablecoins, pegged to fiat currencies, offer fast, low-cost global payments—no need for banks or wire transfers.
▪️ DeFi (Decentralized Finance) lets users transact via smart contracts, bypassing traditional credit and payment systems.
▪️ As adoption spreads, the need for checking accounts, branches, and bank-issued cards may vanish.

The digital euro, being developed by the ECB, may deliver the final push:

▪️ It’s programmable, blockchain-based, and bypasses commercial banks entirely.
▪️ Retail customers could hold digital euros directly in digital wallets—making bank intermediaries irrelevant.
▪️ Bank branches, long seen as hubs of trust and cash access, could become completely redundant.

A New Financial Era

Europe's digital currency ambitions and the rise of decentralized technologies signal a permanent departure from legacy banking infrastructure. In this new landscape:

• Banking becomes faster—but more impersonal.

• Traditional financial institutions lose control.

• Retail customers migrate to central bank-backed platforms.

The local branch, once a staple of every town square, may soon be no more than a memory.

@ Newshounds News™

Source: ZeroHedge

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US Dollar Faces Historic Stress Test as BIS Issues Dire Warning on Global Fragility

The U.S. dollar, long considered the world’s most reliable safe haven, is facing a historic credibility crisis as global financial trust deteriorates. Amid rising policy turbulence in Washington, the Bank for International Settlements (BIS) has issued a stark warning on the fragility of the global economic order.

BIS: “New Era of Heightened Uncertainty”

At the BIS Annual General Meeting in Basel on June 29, General Manager Agustín Carstens declared that a once-promising recovery is now faltering.

“The global economy has entered a new era of heightened uncertainty,” Carstens warned, noting a reversal from earlier optimism driven by easing inflation and modest growth.

The catalyst: U.S. policy chaos. A sudden pivot toward broad-based tariffs and aggressive fiscal expansion has shocked global markets—undermining confidence and weakening the dollar’s standing.

Dollar Depreciates as Yields Rise—An Alarming Signal

“The US dollar depreciated even as government bond yields rose—an extraordinary, troubling combination,” Carstens stated.

▪️ Typically, rising yields strengthen the dollar.
▪️ This time, however, investors fled the currency, shaken by erratic policy shifts and unpredictable rhetoric from Washington.
▪️ Market volatility soared, and the dollar’s safe-haven image cracked.

Carstens added that discussions about penalizing foreign holders of U.S. securities, challenges to central bank independence, and legal system uncertainty further deepened the crisis.

Structural Risks and Global Fragility

Carstens emphasized that the world’s financial system was already under stress:

• Weak productivity growth

• Unsustainable fiscal positions

• The rise of unregulated non-bank financial institutions (NBFIs)

Now, tariff-driven trade fragmentation is making matters worse, fueling inflation and limiting economic flexibility.

“These measures often fail to achieve intended goals and instead deepen structural challenges,” Carstens warned.

He called for credible reforms aimed at:

▪️ Reducing trade barriers
▪️ Improving regulatory clarity
▪️ Investing in public infrastructure to support sustainable growth

A Call for Financial Reform in the Digital Age

Carstens also turned his focus to emerging technological threats and opportunities:

“Major innovations like the entry of big tech into finance, central bank digital currencies, and artificial intelligence are challenging and reshaping the financial system.”

He warned that unregulated innovation could magnify systemic risk, particularly if NBFIs continue to operate without proper oversight.

To meet this moment, Carstens proposed a new global financial architecture built on:

▪️ Tokenized central bank reserves
▪️ Government bonds integrated into digital ecosystems
▪️ Stronger oversight parity between banks and non-banks

The goal: restore trust, increase transparency, and future-proof global finance.

Conclusion: A Turning Point for the Dollar

As market dynamics shift and investor confidence wanes, the dollar’s status as a global safe haven is being seriously questioned for the first time in decades. The BIS’s warning is clear: without serious reform, the world may be heading into a prolonged era of economic instability and fragmentation.

The dollar isn’t just facing market pressure—it’s confronting a global reckoning of trust.

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Source: Bitcoin.com

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Seeds of Wisdom RV and Economic Updates Sunday Afternoon 6-29-25

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USA No Longer Default Market: BRICS Attracts Global Capital
By Watcher Guru | June 2025

Global capital is shifting. The U.S. is losing its traditional grip as the world’s default investment hub, with institutional funds now flowing steadily toward BRICS nations. As the U.S. Dollar Index (DXY) dropped to the 96 range early Thursday, a report from Bank of America revealed that exposure to dollar-based assets is at its lowest level since 2005.

BRICS Rising: Global Investors Shift Capital South

▪️ Countries like China, India, Brazil, and South Africa are now attracting capital once destined for the U.S.
▪️ The U.S. dollar's weakening position is making assets in the global south more appealing, especially in the face of recent Trump-imposed tariffs.
▪️ Investors are eyeing early-stage growth in BRICS nations, seeking better returns than U.S. Treasuries or bonds.

The global investment spotlight has moved to the BRICS bloc, where developing markets are benefiting from macro shifts—especially amid growing skepticism toward U.S. monetary dominance.

USA Still Leads, But BRICS Is Catching Up

▪️ The U.S. remains the strongest financial player, but institutional clients are now diversifying away from dollar dominance.
▪️ In 2025, for the first time in two decades, major global investors “went all-in” on non-U.S. assets.

This trend marks a major inflection point in financial history—particularly as China and India move to internationalize the yuan and rupee, respectively.

China alone has drawn $17 billion in foreign inflows, capitalizing on the dollar’s weakening global influence.

The De-Dollarization Era Has Momentum

The de-dollarization movement continues to accelerate as BRICS expands both its economic influence and financial ecosystems.

▪️ BRICS+ aims to solidify a multipolar financial world, weakening the U.S. dollar’s role as the sole reserve currency.
▪️ Dozens of countries, including allies and neutral states, are now watching BRICS as a credible financial alternative.

Unless addressed, this trend could reshape the world’s financial order over the next two decades, and further dilute U.S. influence in global markets.

“The White House needs to act swiftly to maintain leadership on the global financial curve,” the article concludes.

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Source:  Watcher Guru

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IT IS NOT STOPPING! This Is The Biggest Bullish News I've Heard From The BRICS Ever - Andy Schectman

IT IS NOT STOPPING! This Is The Biggest Bullish News I've Heard From The BRICS Ever - Andy Schectman

HTZ CAP:  6-29-2025

The London Bullion Market Association (LBMA) and WGC had partnered to develop and implement an international system of gold bar integrity (GBI).

The GBI programme aims to put all legitimate gold onto an immutable blockchain-based database where buyers will be able to clearly see that the investment bar, coin, and – when technology allows – jewellery they purchase was resourced responsibly, refined reputably, and only passed through the hands of legitimate actors.

Andy Schectman, president of Miles Franklin, remains decidedly bullish on both gold and silver. In recent commentary, he argues that the ongoing accumulation by major players and strong demand for physical metal signal a continued upward trajectory, irrespective of short-term price fluctuations.

Schectman highlights the Ripple effect of developments within the BRICS bloc, especially the launch of new gold settlement platforms via the Shanghai Gold Exchange in Hong Kong and Saudi Arabia—a clear indicator of a global shift toward bullion as a trusted reserve.

 Schectman sees the first week of July as a pivotal moment for the future of BRICS: this is when several member nations are expected to reveal concrete plans for gold and silver integration into their financial systems.

Referencing his chart analysis—particularly the recent technical breakout in silver—he suggests that these developments could catalyse a powerful price surge in both metals, reinforcing the shift away from dollar dominance .

 In his view, investors should closely monitor early July announcements as they may mark the start of a new phase in the global gold‑silver bull market.

https://www.youtube.com/watch?v=oaaymSmCE7U

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Senate Passes Trump’s “Big, Beautiful Bill” With 51–49 Vote
By Coinpedia | June 2025

In a dramatic late-night session, the U.S. Senate narrowly approved President Donald Trump’s signature tax and spending legislation—dubbed the “Big, Beautiful Bill”—by a razor-thin 51–49 margin. The bill marks a cornerstone of Trump’s second-term agenda, with sweeping implications for tax policy, defense, energy, healthcare, and even cryptocurrency regulation.

Two GOP Senators Break Ranks

The bill passed with only two Republican senators—Thom Tillis and Rand Paul—voting against it, citing concerns over spending levels and government overreach.

Vice President JD Vance was on standby to cast a tie-breaking vote, though his intervention wasn’t needed. The tight margin highlights growing intra-party divides, even as Trump’s influence over the GOP remains strong.

On Truth Social, Trump criticized Senator Tillis and vowed to back a primary challenger in 2026, signaling an ongoing campaign to reshape the Republican Party around his core policy objectives.

What’s in Trump’s “Big, Beautiful Bill”?

The wide-reaching legislation includes several hallmark provisions:

• ✅ Permanent extension of the 2017 tax cuts

• ✅ Elimination of taxes on tips and overtime pay

• ✅ $150 billion in new defense and border security funding

• ✅ $5 trillion increase to the federal debt ceiling

• ✅ Cuts to Medicaid and SNAP, with a new $25 billion rural Medicaid fund (2028–2032)

• ✅ Repeal of green energy tax credits

• ✅ Phase-out of SALT (State and Local Tax) deductions

• ✅ Sale of 1.2 million acres of federal land

The mix of tax relief, spending boosts, and entitlement cuts has generated both praise from fiscal conservatives and criticism from progressive lawmakers.

Crypto Regulation Tied to Legislative Package

One of the bill’s more consequential side developments could soon affect U.S. crypto markets.

A proposed merger of the GENIUS Act and the CLARITY Act—two major crypto bills currently in progress—has gained new traction in the House of Representatives. These bills aim to establish a stablecoin framework (GENIUS Act) and market structure clarity for digital assets (CLARITY Act).

“This could be the most important moment for U.S. crypto policy since the SEC’s early actions,” said one policy analyst tracking the legislation.

House leadership is reportedly considering packaging the crypto bills together to ensure passage before the August recess, possibly delivering a major win for President Trump’s pro-crypto agenda.

Looking Ahead

With the Senate now on board, the bill heads to the House of Representatives, where Republicans hold a majority. If passed, it could lead to one of the most significant fiscal overhauls in recent U.S. history—and potentially reshape the global view of America’s crypto leadership.

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Source:  Coinpedia

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Ripple Co-Founder Chris Larsen Claims XRP Is a ‘Better Bitcoin’
By Crypto News Flash | June 2025

Ripple’s co-founder Chris Larsen has reignited the long-standing debate in the crypto community by claiming that XRP was designed to outclass Bitcoin in core metrics such as speed, efficiency, and energy usage.

Speaking on the “When Shift Happens” podcast, Larsen praised Bitcoin’s foundational role while insisting that XRP was engineered to be a next-generation improvement over it.

XRP: Built to Surpass Bitcoin

▪️ XRP was developed with the specific intent of improving upon Bitcoin’s transaction speed, cost-effectiveness, and environmental footprint.

▪️ Larsen noted that XRP’s architecture came from a team of “really, really smart people” and was intended to be more efficient without losing the decentralization ethos of blockchain technology.

“We wanted to build a system that addressed Bitcoin’s limitations—faster settlement, lower energy, and long-term scalability,” Larsen explained.

He admitted that XRP still has limitations, but stressed that its core value has remained intact through consistent development and community support.

Criticism of Stellar and Ethereum

Larsen took aim at Stellar Lumens, co-founded by former Ripple executive Jed McCaleb, accusing the project of lacking direction and predictability.

▪️ He referenced McCaleb’s 50% token burn and a history of “constant changes, airdrops, and impulsive pivots” as a red flag for institutional trust.

▪️ “Successful currencies are built on stability, not sudden directional shifts,” Larsen remarked.

On Ethereum, Larsen questioned the long-term dedication of its community, implying it lacks the consistent loyalty seen among XRP and Bitcoin holders.

Will Ripple Go Public? ‘Not Yet,’ Says Larsen

While many in the industry speculate about Ripple's IPO potential, Larsen pushed back on the idea—citing the bureaucratic red tape and short-term market manipulation by misinformed retail sellers.

▪️ Ripple President Monica Long also echoed this sentiment recently, saying the company doesn’t need external capital and is focused on strategic acquisitions instead.

▪️ Ripple’s latest purchase of prime brokerage firm Hidden Road for $1.25 billion further confirms that strategy.

Analysts: XRP Price Could Surge

The comparison between XRP and Bitcoin is being mirrored by top analysts:

• Charles Shrem predicts Bitcoin’s dominance is being actively challenged.

• Edoardo Farina, founder of Alpha Lions Academy, believes XRP’s growth trajectory is more realistic than Bitcoin’s.

• Dustin Layton estimates a 23x return is possible, projecting XRP could hit $52 by year-end.

• Zach Rector places a nearer-term target at $15.

“You’d have to be insane to think Bitcoin at $106K is a better investment than XRP,” Farina claimed.

As the SEC case nears closure and Ripple refocuses on global expansion, the firm appears poised to position XRP not only as a better Bitcoin in function—but perhaps soon, in adoption and valuation.

@ Newshounds News™
Source:  CryptoNewsFlash

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EMERGENCY: MASSIVE Silver Delivery Failure COMING in 72 Hours!

EMERGENCY: MASSIVE Silver Delivery Failure COMING in 72 Hours! - Bill Holter

Financial Wisdom:  6-27-2025

0:00 - Silver Exchange Delivery Failure: 250 Million Ounces at Stake

 0:34 - Bull Market Status and Technical Support Levels

1:30 - Inverted Head and Shoulders Pattern in Silver Charts

2:18 - Silver as the Trigger for a Derivatives Collapse

3:04 - Silver’s Dual Role: Industrial vs. Investment Demand

4:02 - Silver's Potential to Outperform Gold

5:16 - Gold Price Calculations Based on U.S. Debt

6:00 - Global Instability and Safe Haven Shifts

6:35 - U.S. Debt Expansion and Economic Consequences

7:02 - Overbought Gold, Oversold Oil, and Market Corrections

7:40 - Dollar Breakdown and Long-Term Support Violation

 8:24 - Fed Losing Control of the Yield Curve

9:31 - Risks of Rising Yields and the Government’s Borrowing Crisis

10:11 - Final Warning: Economic System on the Brink

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

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Serbia Confirms Strong Interest in Joining BRICS at 2025 Summit
By Watcher.Guru | June 2025

As the 17th BRICS Summit approaches, Serbia has officially reaffirmed its intention to join the expanding BRICS alliance. The summit will take place on July 6–7 in Rio de Janeiro, Brazil, and could mark a pivotal moment for the bloc’s next wave of expansion.

Serbian Prime Minister: “It Is of Strategic Interest”

Serbian Prime Minister Duro Macut made the country’s position clear, stating that:

“We consistently advocate the need to deepen cooperation with our traditional partners and friends. The BRICS countries are the most important players on the world stage, and the development of strong, mutually beneficial relations with them is of a strategic interest to us.”

Serbia formally submitted its application to join BRICS in 2023, when the alliance last opened its doors for expansion.

BRICS Expansion: Who’s In—and Who’s Waiting

In 2024, BRICS added 13 new “Partner Countries”, including:

Algeria, Belarus, Bolivia, Cuba, Indonesia, Kazakhstan, Malaysia, Nigeria, Thailand, Turkey, Uganda, Uzbekistan, and Vietnam.

While Serbia was not included in that group, it remains among the 23 countries that have formally applied to join the bloc. An additional 22 countries have expressed informal interest, reflecting the growing global momentum around BRICS.

Balancing BRICS and the EU

In a noteworthy diplomatic move, PM Macut also reiterated Serbia’s parallel ambition to join the European Union:

“Serbia continues its path towards membership in the European Union,” he stated in a recent interview with foreign media.

Serbia continues to navigate complex post-Yugoslav geopolitics, including past sanctions, while seeking stronger ties with both Eastern and Western alliances.

Decision Expected in July—But Not Guaranteed

Whether Serbia will be invited to join BRICS will likely be decided during the July summit in Brazil. The BRICS expansion process is consensus-driven, meaning all existing member states must agree to admit new countries.

A key question remains: What value can Serbia bring to BRICS that strengthens the bloc's collective influence?

As the BRICS alliance seeks to redefine the global geopolitical landscape—especially amid rising tensions with Western institutions—Serbia's bid could serve as a strategic pivot between Europe and the multipolar order BRICS envisions.

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Source:  Watcher Guru

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Seeds of Wisdom RV and Economic Updates Saturday Morning 6-28-25

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Crypto Momentum Builds: US House Passes Landmark Bill to Boost Blockchain Adoption
By Bitcoinist | June 2025

In a bipartisan push to strengthen U.S. competitiveness and innovation, the U.S. House of Representatives has passed new legislation aimed at accelerating the adoption of blockchain and distributed ledger technologies (DLT) across public and private sectors.

Blockchain Promotion Bill Clears the House

On Thursday, policy platform Bitcoin Laws reported that the House approved HR 1664 — the Deploying American Blockchains Act of 2025. This bill directs the U.S. Secretary of Commerce to lead national efforts in advancing blockchain use cases and ensuring U.S. leadership in this strategic technology.

Originally introduced in February by Rep. Kat Cammack (R-FL) and co-sponsored by Rep. Darren Soto (D-FL), HR 1664 outlines the creation of a Blockchain Deployment Program. The program is tasked with:

• Developing best practices for blockchain integration

• Advising the President on blockchain deployment and competitiveness

• Promoting national security and economic interests through secure DLT use

• Coordinating across federal agencies to provide unified support for blockchain adoption

“This is a forward-thinking bill that places blockchain on the national agenda as a tool for innovation, transparency, and strategic advantage,” said Rep. Cammack during committee discussions.

Advisory Committees and National Oversight

If enacted, the legislation mandates the formation of advisory committees within 180 days to assist in blockchain adoption strategy. These bodies will help shape regulatory, technical, and economic guidance for implementation across industries.

Senate Takes Up Crypto Legislation

The bill now moves to the Senate for consideration, continuing what many see as a wave of legislative momentum around digital assets. HR 1664 follows on the heels of two major crypto-related efforts:

• The GENIUS Act, a bill focused on stablecoin regulation, which recently cleared the Senate

• The CLARITY Act, the House’s crypto market structure bill, which advanced through committee markups

Although discussions continue about merging GENIUS and CLARITY, some lawmakers prefer to keep them separate for strategic passage.

White House Crypto & AI Czar David Sacks summarized the expected timeline:
“July will be a big month — with a bill signing for GENIUS and CLARITY going to the Senate!”

A New Legislative Roadmap for Crypto in America

According to Senate Banking Committee Chair Tim Scott, lawmakers are now targeting a markup in early September and final passage by September 30, staying ahead of the August recess.

With President Donald Trump voicing support for both GENIUS and CLARITY, the stage is set for a landmark summer in U.S. crypto policy.

“President Trump supports CLARITY on market structure as well as GENIUS on stablecoins,” said Sacks, reinforcing the administration’s commitment to crypto innovation.

@ Newshounds News™
Source:  Bitcoinist

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Ripple Ends Legal Fight With SEC: “We’re Closing This Chapter Once and for All,” Says CEO
By The Block | June 2025

In a significant development for the crypto industry, Ripple Labs is officially ending its years-long legal battle with the U.S. Securities and Exchange Commission (SEC). The decision, announced Friday by CEO Brad Garlinghouse, marks a definitive conclusion to one of the longest and most closely watched regulatory disputes in crypto.

Ripple Drops Cross-Appeal in SEC Lawsuit

Taking to X (formerly Twitter), Garlinghouse stated:

“We’re closing this chapter once and for all, and focusing on what’s most important – building the Internet of Value. Lock in.”

Garlinghouse confirmed that Ripple is dropping its cross-appeal, which would have challenged separate elements of the court’s decision. A cross-appeal allows a party to contest different parts of a ruling not addressed in the original appeal.

Background: Ripple’s $1.3 Billion SEC Battle

The case began in 2020, when the SEC accused Ripple of conducting an unregistered securities offering by selling $1.3 billion worth of XRP. The commission claimed that XRP was a security under U.S. law.

In a landmark 2023 ruling, Judge Analisa Torres of the U.S. District Court for the Southern District of New York issued a mixed decision:

• Programmatic XRP sales on exchanges did not violate securities laws, due to the blind bid/ask process.

• Direct institutional sales did constitute securities transactions, exposing Ripple to penalties.

This second finding led to a $125 million civil penalty against the company.

Ripple and SEC Motion Rejected by Judge Torres

Garlinghouse’s announcement came one day after Judge Torres rejected a joint motion from Ripple and the SEC to modify the existing injunction. The two parties had requested a ruling to:

• Dissolve the existing injunction

• Allow $50 million of the $75 million penalty to be paid to the SEC

• Allocate $25 million to Ripple as part of the resolution

The court denied the motion, maintaining its previous rulings.

Ripple Moves On From Legal Saga

Though Ripple had already stated back in March that it would not pursue a cross-appeal, Friday’s statement puts an official capstone on the case. A Ripple spokesperson declined to comment further.

The conclusion of this legal chapter may allow Ripple to re-focus its resources on international expansion and XRP Ledger development, free of the uncertainty that has loomed over the company since 2020.

With the cross-appeal dropped, Ripple now stands fully compliant with the court’s rulings and regulatory penalties, potentially setting a new precedent for future crypto-related enforcement actions.

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Source:  The Block

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BRICS Summit Preview, China to Move Towards Internationalizing Yuan, with Gold as Collateral

BRICS Summit Preview, China to Move Towards Internationalizing Yuan, with Gold as Collateral

Arcadia Economics:  6-27-2025

As the much-anticipated BRICS Summit draws near, global financial circles are buzzing with speculation about the key announcements and strategic shifts likely to emerge.

 Among the most intriguing prospects, according to insights shared by Vince Lanci on Arcadia Economics, is a significant move by China to bolster the international standing of its currency, the Yuan, leveraging the age-old bedrock of value: gold.

Lanci’s analysis, detailed in a recent Arcadia Economics show, reveals that Beijing is poised to begin unveiling the foundational infrastructure for its ambitious plan to internationalize the Yuan (CNY). What makes this initiative particularly noteworthy – and potentially game-changing – is the explicit intention to use gold as collateral for the Chinese currency.

This strategic pivot could fundamentally reconfigure global financial dynamics. By backing the Yuan with gold, China aims to enhance its credibility and stability on the world stage, offering a tangible alternative to the prevailing fiat currency systems.

 The move underscores a broader trend within the BRICS bloc (Brazil, Russia, India, China, and South Africa) towards establishing alternative economic frameworks and reducing reliance on traditional Western-dominated financial structures.

The integration of gold as a foundational asset for the Yuan not only lends an unprecedented level of perceived security but also harks back to a more tangible form of currency backing, potentially appealing to nations seeking greater transparency and stability in their trade and reserve assets.

This initiative could represent a significant step towards diversifying global reserve assets and trade settlements away from traditional benchmarks, offering new pathways for international commerce and investment.

As the BRICS Summit unfolds, the world will be watching closely to see the initial steps of this potentially transformative financial architecture take shape.

For those seeking deeper understanding and real-time analysis of these pivotal developments, Vince Lanci’s full discussion on Arcadia Economics offers invaluable further insights and information.

https://youtu.be/xS3d2q9m_jk

Seeds of Wisdom RV and Economic Updates Friday Afternoon 6-27-25

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US Judge Denies Ripple–SEC Joint Bid to Slash $125M Penalty
By Cointelegraph | June 2025

A U.S. federal judge has rejected a joint motion from Ripple and the Securities and Exchange Commission (SEC) to reduce a $125 million penalty and vacate prior rulings that classified Ripple’s institutional XRP sales as unregistered securities.

The decision was handed down by Judge Analisa Torres of the U.S. District Court for the Southern District of New York, who reaffirmed that Ripple must adhere to federal securities laws, regardless of evolving SEC policy.

Key Developments:

▪️ Judge Torres denied the request to reduce the $125M civil penalty or reverse the ruling that Ripple’s XRP sales to institutions violated Section 5 of the Securities Act.
▪️ The court emphasized that the appropriate venue for altering a final order is through appeal—not by informal agreement between parties.
▪️ Judge Torres wrote:

“Ripple’s willingness to push the boundaries of the Order evinces a likelihood that it will eventually, if it has not already, cross the line.”

Background:

Ripple and the SEC jointly filed a motion seeking an indicative ruling, asking the lower court to reconsider its final order in light of the SEC’s softened stance on crypto enforcement.

However, Judge Torres rejected this procedural move, stating that nothing has materially changed since her earlier ruling to justify a reduced penalty or reversed injunction.

“They now claim it is in the public interest to cut the Civil Penalty by sixty percent… The Court disagrees,” she added.

Ripple’s Response and the SEC’s Retreat:

While Ripple did not immediately comment, the ruling comes after Ripple CEO Brad Garlinghouse previously declared the SEC’s dropped appeal as a “resounding victory” for the company and the broader crypto industry.

In March, the parties agreed to settle the monetary aspect of the case, proposing a 60% reduction in penalties:
▪️ $50 million to the SEC
▪️ $75 million to be returned to Ripple
▪️ Funds currently held in escrow pending court approval

Why It Matters:

This case has become a cornerstone legal battle for the crypto industry, with Ripple’s partial victories hailed as precedent-setting. Yet, Judge Torres’ refusal to revise the penalty underscores that regulatory enforcement remains grounded in statutory law—not political shifts or private settlements.

Ripple’s legal journey may be winding down, but the court has made it clear: accountability under federal securities laws stands firm.

@ Newshounds News™
Source:  Cointelegraph

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Confirmed: ISO® 20022 Message Format Goes Live for Fedwire® on July 14, 2025
By FRB Services | June 2025

After years of preparation in collaboration with the financial industry, the Federal Reserve Financial Services (FRFS) has officially confirmed the implementation of the ISO® 20022 message format for the Fedwire® Funds Service on July 14, 2025.

Fedwire Funds Service Moves Forward With ISO 20022

FRFS has announced that the long-planned migration to ISO 20022 will proceed on schedule. The Fedwire Funds Service software and production infrastructure will remain unchanged, ensuring a seamless transition for institutions already onboarded for compliance.

The message format shift marks a major step toward modernizing U.S. payment systems and aligning with global standards in high-value funds transfer.

“We are confirming that FRFS will move forward with implementing the new ISO 20022 message format on July 14 as planned.”

Testing Continues Through July 11

FRFS urges all participating institutions and service vendors to continue internal testing and validation efforts through July 11, just prior to go-live.

Questions or concerns should be directed to:

• 📧 Fedwire.Funds.Format@ny.frb.org

• 📞 Your FRFS relationship manager or the Support Center

“We appreciate the work, time, and resources you have put into preparing for the new ISO 20022 standard.”

A Key Milestone in U.S. Payment Infrastructure Modernization

The ISO 20022 rollout for Fedwire Funds is part of a broader global migration to richer, structured, and standardized messaging formats, enabling enhanced data handling, interoperability, and automation across banking systems.

This move places the U.S. in line with international payment modernization efforts, joining regions such as Europe and Asia that have already embraced ISO 20022 in real-time gross settlement systems.

@ Newshounds News™
Source:  Federal Reserve Financial Services

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Senate Banking Chair Targets September Deadline for Crypto Market Structure Bill
By Cointelegraph | June 2025

Following the successful Senate passage of the GENIUS stablecoin bill, U.S. lawmakers are setting their sights on broader digital asset market structure legislation—with a new timeline in view.

Sen. Tim Scott Aims for Sept. 30 Deadline

U.S. Senator Tim Scott, Chair of the Senate Banking Committee, announced Thursday that the chamber is working toward passing a digital asset market structure bill by September 30.

“For the market to function completely,” said Scott, “Congress needs to move forward with legislation for both market structure and stablecoins.”

The remarks came during a fireside chat with Senator Cynthia Lummis and White House crypto adviser Bo Hines, as part of a broader effort to advance regulatory clarity in the rapidly evolving digital asset sector.

Lummis offered strong support for Scott’s timeline, stating:

“You’re the chairman, and we will do as you wish. We will make sure that we’re ready to do that.”

GENIUS Act and Market Structure Bills on Parallel Tracks

The push for market structure legislation follows momentum from the GENIUS Act—the Guiding and Establishing National Innovation for US Stablecoins Act—which recently passed the Senate and awaits consideration in the House of Representatives.

▪️ Sen. Lummis warned she would be “extremely disappointed” if both bills aren’t passed before 2026.
▪️ No floor votes have been scheduled yet in either chamber for market structure legislation.

At the Bitcoin Policy Summit earlier this week, Lummis reiterated the importance of getting both pieces of legislation passed to maintain the U.S.'s competitive edge in digital finance.

White House May Push for Accelerated Timelines

Former President Donald Trump, who is seeking re-election, weighed in on the GENIUS Act on June 18, urging the House to “get it to [his] desk, ASAP.”

However, his August target for crypto legislation may conflict with the Senate’s September goal for market structure—raising questions about how the timeline may shift in coming weeks.

Senate Eyes CLARITY Act as a Framework

Lummis added that the Senate may model its legislation on the House’s proposed bill, the Digital Asset Market Clarity Act (CLARITY Act), which passed out of committee in June.

▪️ The Senate version is expected to be drafted before the August recess, with markup scheduled for September.
▪️ The goal: to define which digital assets fall under SEC or CFTC oversight, and to establish regulatory clarity for crypto companies operating in the U.S.

“We’re not just talking about modernization,” one staffer familiar with the bill remarked. “We’re talking about creating a framework that gives innovators, regulators, and investors clear rules of the road.”

Why It Matters:

As regulatory conversations escalate in Washington, a bipartisan, bicameral push toward crypto market structure reform could reshape the digital asset landscape. With the GENIUS Act already gaining traction, attention is now fixed on how soon—and how clearly—Congress can define the future of U.S. crypto regulation.

@ Newshounds News™
Source:  Cointelegraph

~~~~~~~~~

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We're Smoked If US Doesn't Have It's Gold | Bill Holter

We're Smoked If US Doesn't Have It's Gold | Bill Holter

Liberty and Finance:  6-26-2025

Bill Holter warns that if the truth emerges that the U.S. has no gold, the entire global financial system could collapse, as it's built on the perceived security of U.S. Treasuries—once backed by gold.

 He argues that U.S. Mint lineage coinage, like Gold and Silver Eagles, may offer legal protection from future government confiscation, unlike bars or foreign coins.

Holter also highlights a rapid global shift away from the U.S. dollar and Treasuries, with BRICS+ nations accelerating moves toward gold-backed trade settlement.

 He stresses that owning physical gold and silver, especially junk silver for bartering, is crucial for preserving wealth during systemic breakdowns.

Finally, he urges newcomers to prepare for "The Great Taking," a potential legal seizure of assets, by understanding true ownership and holding wealth outside the traditional financial system

INTERVIEW TIMELINE:

0:00 Intro

1:42 US mint bulllion

7:33 Pre-33 gold coins

11:50 Dollar weakness

18:15 BRICS+ & gold

20:46 Mining stocks vs physical bullion

 22:00 Personal property

23:15 Preparedness

https://www.youtube.com/watch?v=IUJx0gLkEwg

Seeds of Wisdom RV and Economic Updates Friday Morning 6-27-25

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BRICS Summit Shaken as Xi Jinping and Putin Skip Key Brazil Meeting
By Watcher.Guru | June 2025

The upcoming BRICS summit in Rio de Janeiro has plunged into uncertainty after it was confirmed that both Chinese President Xi Jinping and Russian President Vladimir Putin will not attend. Their absence—unprecedented in the bloc’s history—raises serious concerns about the leadership cohesion and future direction of the expanded alliance.

Putin’s No-Show: ICC Warrant Disrupts Attendance

Russian President Vladimir Putin will not attend the July 6–7 summit due to the International Criminal Court (ICC) arrest warrant issued against him in March 2023. The warrant, tied to allegations of war crimes involving the deportation of Ukrainian children, legally obliges Brazil, an ICC member, to detain him if he enters the country.

“This is related to certain difficulties in the context of the ICC’s demands,” said Russian foreign policy aide Yuriy Ushakov. “The Brazilian government was unable to take a clear position that would allow our president to participate.”

Putin will instead join virtually, while Foreign Minister Sergey Lavrov leads Russia’s in-person delegation. This continues Putin’s avoidance of ICC member states—he also skipped the G20 in Brazil last year.

Xi Jinping Breaks Decade-Long Attendance Streak

In a historic first, Xi Jinping will not attend the BRICS summit—a major shift for the Chinese leader who has been present at every summit since assuming power. Instead, Premier Li Qiang will represent China, as he did during the 2023 G20 summit in India.

Officially, Beijing cites a scheduling conflict, but reports suggest deeper reasons:

▪️ Diplomatic sources hint at displeasure over Brazil’s warm reception of Indian PM Narendra Modi, potentially seen as undermining Xi’s role.
▪️ Xi previously met with Brazilian President Luiz Inácio Lula da Silva twice in 2024, raising expectations of a reciprocal visit.

Brazil Left Scrambling Amid Leadership Crisis

Brazilian officials have expressed clear disappointment as the summit host country, calling this a “BRICS leadership crisis.” President Lula’s May trip to Beijing was intended as a goodwill gesture to strengthen ties.

Despite Xi’s absence, China’s Foreign Ministry voiced support for the summit:

“In a volatile and turbulent world, BRICS nations maintain their strategic resolve and work together for global peace, stability, and development,” said ministry spokesperson Guo Jiakun.

Yet behind the diplomacy, the absence of both Putin and Xi has created an unmistakable vacuum at the top of the BRICS bloc.

Unity in Question as BRICS Expands

With the recent expansion of BRICS to include Egypt, Ethiopia, Iran, and the UAE, the bloc faces new complexity in aligning its geopolitical interests. But the absence of its two most prominent leaders—one for legal reasons, the other for diplomatic concerns—underscores the fragility of BRICS’ unity.

The dual absence “exposes the limits of international cooperation under pressure from legal and geopolitical constraints,” said one analyst.
“It weakens the bloc’s ability to present a united front in contrast to Western institutions.”

What Lies Ahead?

Though the summit will proceed, led by Li Qiang and Sergey Lavrov, the leadership void casts a long shadow. The BRICS initiative—long positioned as an alternative to U.S.-dominated global systems—now faces deeper questions:

▪️ Can the bloc maintain coherence with rising internal tensions?
▪️ Will future summits restore full leadership participation?
▪️ And how will these developments impact BRICS’ long-term role in shaping a multipolar global order?

For now, the Rio summit may proceed, but the tone is cautious, not triumphant.

@ Newshounds News™
Source:  Watcher Guru

~~~~~~~~~

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Where are Metals Headed Amid Geopolitical Chaos: Andy Schectman

Where are Metals Headed Amid Geopolitical Chaos

Liberty and Finance: Andy Schectman:  6-25-2025

In a recent exclusive interview with Liberty and Finance, Andy Schectman provided a detailed breakdown of the escalating tensions between Iran, Israel, and the United States.

The ongoing conflict has significant implications for global stability and the precious metals markets. As the situation continues to unfold, it is essential to understand the potential consequences of these rising tensions.

The Middle East has long been a hotbed of geopolitical activity, with various nations vying for power and influence. The current tensions between Iran, Israel, and the US are rooted in a complex web of historical, cultural, and economic interests.

 Iran’s now-crippled nuclear program, Israel’s concerns about national security, and the US’s role as a global superpower have all contributed to the escalating conflict.

The rising tensions between these nations pose a significant threat to global stability. A potential conflict could have far-reaching consequences, including disruptions to global trade, increased terrorism, and a heightened risk of cyberattacks. The impact on the global economy could be severe, with potential losses in the trillions of dollars.

In times of geopolitical uncertainty, investors often turn to precious metals as a safe haven. Gold, silver, and other precious metals have historically performed well during periods of conflict and economic instability.

As the situation in the Middle East continues to deteriorate, investors may increasingly seek out these assets as a hedge against potential losses.

Andy Schectman’s interview with Liberty and Finance provides valuable insights into the current situation and its potential implications for the precious metals markets. With his expertise in the field, Schectman offers a nuanced understanding of the complex factors at play and the potential consequences of the rising tensions.

For a deeper understanding of the geopolitical chaos involving Iran, Israel, and the US, and its potential impact on global stability and precious metals markets, watch the full video interview with Andy Schectman on Liberty and Finance.

The interview provides a comprehensive analysis of the situation and offers valuable insights for investors and individuals concerned about the potential consequences of the escalating conflict.

In conclusion, the rising tensions between Iran, Israel, and the US have significant implications for global stability and the precious metals markets. As the situation continues to unfold, it is essential to stay informed and adapt to the changing landscape.

By watching the full interview with Andy Schectman and staying up-to-date on the latest developments, individuals can better navigate the complex and rapidly evolving geopolitical environment.

https://youtu.be/TV4VgYEqeHk