Seeds of Wisdom RV and Economics Updates Monday Afternoon 11-3-25

Good Afternoon Dinar Recaps,

Stablecoins & Rails: Banking 2.0 and the Tokenised Money System

When money itself becomes programmable, the financial infrastructure gets rewritten — and with it, monetary architecture and settlement power.

Stablecoins are no longer fringe—they’re foundational.

The Fireblocks “State of Stablecoins 2025” report highlights that among payment and banking institutions:

• 90% say they are using or planning to use stablecoins.

• Infrastructure readiness (wallets, APIs, compliance tools) is high (86%) and deemed mission-critical. 

Key Components of the Shift

• Tokenised money: Traditional currency plus fiat-backed digital tokens become the new rails for real-time settlement, programmable contracts and cross-border liquidity flows.

• Institutional integration: Banks are no longer observers—they are entering stable-asset rails and integrating them into treasury, payments and settlement functions.

• Fragmentation risk & redesign: Because stablecoins can work across chains and domains, they introduce new choice—and thus new structural pathways for financial flows.

Why This Matters for the System Reset

• Money architecture changes → settlement speed, control, transparency all shift.

• If stable-asset rails proliferate globally, dominance of older currency-settlement systems weakens.

• Tokenised money rails allow for new models: resource-backed tokens, cross-border programmable payments, open rails—not limited by traditional banking correspondents.

• For global alliances: those who adopt tokenised money rails early gain settlement advantage and influence; this becomes part of the economic realignment.

This is not just politics — it’s global finance restructuring before our eyes. 

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Fireblocks – “State of Stablecoins 2025: The Payments Infrastructure Reset.” 

• Cointelegraph – “90% of institutions ‘taking action’ on stablecoins: Fireblocks survey.” 

• Fireblocks – “Stablecoins 101: A Payments Professional's Guide to Fiat-Backed Stablecoins.” 

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Resource Diplomacy, Metal Finance & Settlement Leverage

Rare earths, critical minerals and metals aren’t just industrial inputs anymore — they’re becoming the collateral and leverage of a new financial regime.

Resource-rich states are increasingly transforming their physical assets into financial leverage.
While I don’t have a specific article URL for this exact theme in today’s data set, the trend is widely documented: critical minerals and metals are underpinning new trade-finance architectures and settlement models.

What’s Happening

• States with mineral control are negotiating trade, finance and investment deals that tie access to minerals with settlement terms, currency issues, financing.

• Metals and rare earths are being embedded into resource-backed financing schemes, linking physical inputs to digital finance rails.

• In trade-diplomacy deals, assurances of supply of strategic minerals now accompany financing packages and settlement guarantees (especially in areas like EVs, semiconductors, green infrastructure).

Why It Matters for the Reset

• Financial architecture anchored in resources means value flows shift toward those controlling critical inputs—making them central nodes of the new system.

• Settlement models may evolve: commodity-backed tokens or contracts, digital access to resources, new reserve assets beyond traditional currencies.

• Alliances will form around resource-finance power rather than purely currency or military power—so trade and alliance maps are redrawn.

• For the U.S. and its partners: ensuring resource access becomes not only industrial strategy but financial strategy. The link between resources and finance becomes direct.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Watcher Guru – “BRICS Hold 76 Million Metric Tons of Rare Earth Minerals…” 

• TASS – “BRICS accounts for 72% of global rare-earth metals reserves.” 

• Reuters – “US-Australia critical minerals deal underscores gap with China.” 

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Emerging Markets’ Settlement Systems: Regional Blocs Building Dollar Alternatives

As the U.S. dollar system comes under pressure, emerging markets are engineering their own settlement rails — and that means a re-engineering of global finance.

Regional payment systems are no longer experiments—they’re becoming strategic alternatives.
For example, the Common Market for Eastern and Southern Africa (COMESA) bloc is launching digital payment platforms to settle trade in local currencies and bypass traditional dollars. 

Key Features

• Local currency settlement: Trade being settled in regional currencies rather than dollars to reduce FX risk and U.S. dominance.

• Alternative rails: Systems built for intra-regional flows, cutting out traditional correspondent banking which is tied to U.S./Western systems.

• Block-level cooperation: Emerging reports show joint platforms, regional digital currencies and settlement alliances forming beyond the major Western powers.

Why It Matters

• Financial architecture becomes multi-pole: one dollar rail, many regional rails.

• Decision-making power shifts: countries choosing their settlement networks gain autonomy and influence in trade-finance systems.

• The “reset” isn’t just about replacing the dollar—it’s about building parallel systems and giving countries a choice of rail.

• Trade, currency and finance become tightly interlinked: alliances shift, finance flows shift, and therefore global power dynamics shift.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Reuters – “G20’s cross-border payments push set to miss 2027 target.” 

• Reuters – “India pushes to ease international payments through homegrown network to rival Visa, Mastercard.” 

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“Tidbits From TNT” Monday 11-3-2025

TNT:

Tishwash:  The Iraqi Development Fund signs 5 memoranda of understanding with foreign countries

The Iraqi Development Fund announced the signing of memoranda of understanding with five foreign countries, while indicating that there is an effort to establish an Iraqi-American investment fund.

The director of the Iraq Development Fund, Mohammed Al-Najjar, said that the fund had signed several memoranda of understanding with a number of countries, including Japan, Germany, France, Britain and America.

He noted that the memoranda of understanding with Britain were signed to provide continued support to the fund, which helped in rewriting many of the documents that make the fund globally accessible and able to be dealt with internationally.

He added that “there are great prospects in the memoranda of understanding with the United States of America, and we are seeking to establish an Iraqi-American investment fund, explaining that there will be a trip to America soon to turn the project into reality.” link

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Tishwash:  3 key tasks on the agenda of Trump's envoy to Iraq

Press reports revealed on Monday three main tasks on the agenda of Trump’s envoy to Iraq, Mark Savva: reducing the presence of Chinese companies in Iraq, influencing the shape of the next Iraqi government away from Iranian influence, and finding a specific formula for the Popular Mobilization Forces.

Reports followed by Al-Mirbad, quoting American diplomatic sources, stated that “the new American envoy to Iraq, Mark Savaya, carries an agenda with which he will begin his work in Baghdad, based on 3 axes, the foremost of which is not renewing the work contracts of Chinese oil companies in the Iraqi oil fields, and that American companies will replace them.”

The sources explained that “the other tasks assigned to Savaya by Trump, to work on supporting the formation of a government in Iraq following the parliamentary elections scheduled for 11/11, are not subject to any pressure from Iran and are not controlled by the influential factions and currents loyal to Tehran.”

The sources confirmed that "the third axis that Savaya is tasked with working on and arranging upon assuming his position in Baghdad is to prepare a plan that Washington can act upon to find a real solution to the Popular Mobilization Forces issue."  link

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Tishwash:  Trump's envoy to Iraq begins his work by replacing military bases with investments.

On the day that Mark Savaya, President Donald Trump's envoy to Iraq, officially began his duties in Baghdad, the investment climate was already primed for the new American role.

The massive contracts signed by the Iraqi government in recent months in the energy, airport, and financial reform sectors appeared to be a practical prelude to Washington's return to Iraq, but this time through investment rather than military bases.

What has changed?

In recent weeks, major US deals in energy, airports, and financial reform have been announced, ranging from binding contracts to memoranda of understanding paving the way for future financing.

The most prominent include:

– Baghdad International Airport: A consortium led by Corporacion America Airports (CAAP) won a contract to develop and operate the airport with an investment of approximately $764 million, without government spending during the concession period.

– Liquefied Natural Gas (LNG): An agreement with Excelerate Energy to build the first floating LNG platform in Khor Al-Zubair, Basra, at a cost of approximately $450 million and with a processing capacity of up to 500 million cubic feet per day.

– Akkas Gas Field (Anbar): A contract with SLB to increase production to 100 million cubic feet per day after the cancellation of a previous contract.

– Electricity: A memorandum of understanding with GE Vernova to add approximately 24,000 megawatts of generating capacity, pending the completion of financing and implementation arrangements.

– Financial and banking reform: Advanced cooperation with Oliver Wyman on the Central Bank's program to restructure the banking sector and enhance compliance following US restrictions on dollar transactions, in addition to its advisory role in financing the Development Road project.

– Exxon Mobil's return: Baghdad and Exxon are on the verge of an agreement to develop the Majnoon oil field and cooperate on storage and export facilities, marking a return after its withdrawal from West Qurna-1 in 2023–2024.

Politics in the service of the economy:

Savaya's announcement today (November 2, 2025) of its commencement of operations in Baghdad is a political translation of an existing economic trajectory.

Fox News confirmed that Savaya was tasked with "expanding economic relations with the Iraqi government and creating a more transparent business environment for American companies."

Observers believe that Washington has chosen the economy as a new gateway to influence after years of military and political decline, while Baghdad is trying to capitalize on this return to stimulate the economy and alleviate financial pressures.

But...

– Have these investments ended the stagnation of the past decade?

– Partially, yes, if their conditions are met.

According to an analysis published by Gasworld, the Excelerate Energy agreement represents “the beginning of restoring mutual trust” between Baghdad and Washington, and is an indication of the United States’ seriousness in returning to direct investment after a decade of stagnation.

However, this path faces three key obstacles:

1. The dollar issue and compliance: Continued US Treasury restrictions on Iraqi banks make financial stability a prerequisite for any investment expansion.

2. Security stability: Savaya's statements link economic partnership to the state's monopoly on the use of force, meaning that the security environment remains a crucial factor.
3. The legal framework: The success of energy projects hinges on stable contracts and financing, which has previously been hampered by the withdrawal of major companies like Shell and Exxon.

In short!

The arrival of Trump's special envoy in Baghdad and the influx of American companies represent a dual attempt to rebuild trust and build soft economic influence in Iraq.

If Baghdad succeeds in stabilizing its security, financial, and legal environment, this could mark the beginning of a new chapter in the US-Iraqi partnership after a decade of stagnation.

However, if bureaucracy and security obstacles persist, these contracts will remain missed opportunities… or as Trump put it: “Iraq has a lot of oil, but they don’t know what to do with it.” link

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Mot:  Sooo Fun Learning - English Again!!!!

 Mot:  and Soooooo - TODAY!!!! 

Seeds of Wisdom RV and Economics Updates Monday Morning 11-3-25

Good Morning Dinar Recaps,

Rails Rewritten: How Cross-Border Payments Are Forming a Parallel Financial Network

Payment rails, stablecoins and real-time flows aren’t just fintech trends — they form the infrastructure of the next global financial architecture.

Legacy cross-border payments are showing their age.
According to Global Finance Magazine, breakthroughs in cross-border connectivity are underway, but industry fragmentation remains a major challenge. 

The Status Quo

• Traditional correspondent banking networks are slow, opaque and costly.

• Regulatory differences across jurisdictions slow settlement and increase FX costs.

• Corporates and fintechs increasingly demand 24/7 real-time payment experiences.

The Emerging Architecture

• Real-time rails: Efforts to deliver always-on global payments; 24/7 settlement becomes base expectation.

• Stablecoins & tokenisation: Payment flows are migrating onto rail systems built for digital assets. See the Fireblocks report which shows 86% of firms say they have infrastructure ready for stablecoin flows. 

• Interoperability & standardisation: The G20’s roadmap for enhancing cross-border payments is catalysing efforts to harmonise infrastructure. 

💡 Why It Matters for the Global Reset

• Payment rails are the plumbing of finance. Whoever controls or influences rails controls movement of value.

• The shift toward digital rails and tokenised settlement erodes the dominance of old bank-centric models and opens space for regional or alternative networks.

• For alliances and diplomacy: Payment systems are now a strategic front. Countries aligning their payment infrastructure together are deepening economic alliances beyond trade.

• As we move to a world where resources, trade blocs and currencies are shifting, payment rails become the glue that holds new systems together.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Global Finance Magazine – “Promoting Cross-Border Connectivity in an Era of Payments Fragmentation.” 

• Fireblocks – “State of Stablecoins 2025: The Payments Infrastructure Reset.” 

• G20/FSB – “G20 Roadmap for Enhancing Cross-Border Payments.” 

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Trade-Bloc Rise & Fragmentation: A New Era of Alliances in Global Commerce

Trade alliances are reshaping. In a world of diverging poles, who trades with whom becomes as important as what is traded.

The global economic map is changing.
An article from Modern Diplomacy outlines how multiple bilateral and regional trade deals are proliferating as countries hedge away from singular trade blocs. 

Key Trends

• Several major states are signing multiple bilateral/trilateral deals in quick succession (e.g., the UAE’s deals with Malaysia, Kenya and New Zealand).

• Trade blocs are fragmenting: New deals bypass large multilateral frameworks and focus on flexible, pragmatic partnerships.

• These trade deals often come with linked clauses on finance, currency and settlement arrangements — not just tariffs or goods.

How This Restructures Finance & Alliances

• Trade deals become financial architecture — they include settlement systems, local-currency clauses and shared infrastructure.

• New alliances mean new financial and currency linkages: if many countries trade and settle outside the U.S.-led systems, it weakens the old axis of financial influence.

• Diplomatic realignment follows trade alignment. As trade networks rewrite, so do alliance networks — shifting economic power centers.

Why It Matters

• For investors and policymakers: New trade alliances rewrite who chooses the rules, who earns trade surplus, who becomes creditor or debtor.

• For currency and payment infrastructure: If trade and settlement shift regionally, currency dominance and settlement dominance shift too.

• For global finance reset: The fragmentation of trade blocs pushes toward multiple financial networks rather than one global monolith.

This is not just politics — it’s global finance restructuring before our eyes. 

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Modern Diplomacy – “A New Era of Trade Alliances: How and Why the Global Economic Map is Changing.” 

• Centre for European Reform – “A New Era of Trade Alliances” 

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Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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Follow the Gold/Silver Rate COMEX

Follow Fast Facts

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MilitiaMan and Crew: IQD News Update-Digital Compliance-Non-Oil-Water Readiness

MilitiaMan and Crew: IQD News Update-Digital Compliance-Non-Oil-Water Readiness

11-2-2025

The Crew:  Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man

Follow MM on X == https://x.com/Slashn

Be sure to listen to full video for all the news……..

https://www.youtube.com/watch?v=TtdvbVtJGu4

Iraq Economic News and Points To Ponder Sunday Afternoon 11-2-25

Economic: Liberation From Dollar Restrictions Marks A New Beginning For The Iraqi Banking Sector.

Economy |  01/11/2025  Mawazin News - Baghdad:  Financial and banking expert Mustafa Hantoush affirmed that the Iraqi banking sector is on the cusp of a new phase, moving towards liberation from dollar-based transactions. He stressed that this requires comprehensive and fundamental reforms to modernize the banking infrastructure and enhance its efficiency.

Hantoush stated that "approximately 90% of the Iraqi banking system remains subject to the restrictions imposed on dollar transactions, due to the problems and suspicions the sector has witnessed in recent periods." He indicated that "recent indicators are positive, and some banks are expected to begin gradually freeing themselves from these restrictions within the next three months."

He added that "the banking sector still lacks genuine activity, as it needs to activate the deposit, lending, and investment systems in an integrated manner, along with a review of regulatory standards in coordination with the Central Bank of Iraq.

" Hantoush called for "a shift towards full financial inclusion through diversifying banking services and expanding the customer base, as well as strengthening cooperation with international banks and opening new correspondent banking channels that enable Iraqi banks to integrate into the global financial system."

Hantoush concluded by emphasizing that "developing technical systems and simplifying procedures to serve the citizen represent the most important step in the reform process, as they are the basis for getting rid of the bureaucracy that hinders the progress of the sector and limits its ability to compete." https://www.mawazin.net/Details.aspx?jimare=269489

Dollar Prices Fall Against The Dinar In Baghdad

Stock Exchange  Economy News – Baghdad  The exchange rate of the dollar against the dinar fell on Sunday morning in Baghdad markets.  The dollar exchange rate witnessed a decrease in the Al-Kifah and Al-Harithiya exchanges, recording 140,900 dinars for 100 dollars, while yesterday, Saturday, it recorded 141,000 Iraqi dinars for 100 dollars.

The selling prices were stable in exchange shops and local markets in Baghdad, where the selling price reached 142,000 dinars for 100 dollars, and the buying price reached 140,000 dinars for 100 dollars. Https://Economy-News.Net/Content.Php?Id=61852

Dollar Prices Fall Against The Dinar In Baghdad

Stock Exchange  Economy News – Baghdad  The exchange rate of the dollar against the dinar fell on Sunday morning in Baghdad markets.  The dollar exchange rate witnessed a decrease in the Al-Kifah and Al-Harithiya exchanges, recording 140,900 dinars for 100 dollars, while yesterday, Saturday, it recorded 141,000 Iraqi dinars for 100 dollars.

The selling prices were stable in exchange shops and local markets in Baghdad, where the selling price reached 142,000 dinars for 100 dollars, and the buying price reached 140,000 dinars for 100 dollars. https://economy-news.net/content.php?id=61852

Iraq Leads Global Oil Deals In October 2025

Energy  The largest oil deals in October 2025 witnessed unprecedented investment activity in the global energy sector, with agreements ranging from development and acquisition to regional expansion in petrochemicals and oil storage.

According to the specialized global energy platform "Energy," the largest deals included significant activity in Egypt, which had the most prominent presence, as well as in Iraq, Algeria, Saudi Arabia, the UAE, Sudan, and Qatar, reflecting investor confidence in emerging markets.

The agreements, memoranda of understanding, and partnerships signed as part of the largest oil deals in October 2025 demonstrated a diversity of objectives. Some focused on developing giant fields like Iraq's Majnoon field, while others aimed to support downstream and logistics industries in Egypt and the UAE.

These moves reflect a clear trend in the region towards diversifying investments and strengthening energy value chains, making the largest oil deals in October 2025 a strong indicator of the return of investment activity in global oil markets.
The largest oil deals during October were as follows:

Iraq (deal to develop Majnoon field).

Algeria (a deal won by an Egyptian company).

Saudi Arabia (acquisition deal).

Qatar (two deals with Egypt).

The UAE (deal with Egypt).

Egypt (New Petrochemical Project).

Russia and Sudan (Agreement for Investment and Protection). https://economy-news.net/content.php?id=61862

Trump's Envoy Begins His Duties In Iraq

November 2, 2025  Baghdad – Al-Zaman   US President Donald Trump's special envoy, Mark Savaya, announced on Sunday that he had officially begun his duties.

Savaya said in a tweet that “thanks to the great leadership of President Donald Trump, Iraq is now back, and I am on top of my job.”   He added: “Let’s make Iraq great again!”  LINK

Amid Caution In Global Markets, Gold Continues To Rise.

Economy |  02/11/2025   Mawazin News - Follow-up:  Precious metal prices remained relatively stable at the start of trading, with gold holding above the $4,000 per ounce mark, as investors awaited any economic or geopolitical developments that could affect the appeal of safe havens.

The price of an ounce of gold settled at $4,002, while a gram of 24-karat gold reached approximately $128.70.

Silver traded around $48.80 per ounce, while platinum recorded a price of $1,572 per ounce, and palladium reached approximately $1,450 per ounce

This price stability comes amidst a cautious atmosphere prevailing in global markets, as investors await new indicators that may prompt them to increase or decrease their investments in precious metals, at a time when markets are experiencing increasing volatility due to political tensions and economic uncertainty. https://www.mawazin.net/Details.aspx?jimare=269513

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

Seeds of Wisdom RV and Economics Updates Sunday Afternoon 11-2-25

Good Afternoon Dinar Recaps,

Diplomacy, Currency & Metals: The Quiet Shifts Redrawing Global Finance

How gold, the yuan, and resource diplomacy are shaping a post-dollar order

Overview

Recent developments across diplomacy, metals, and currency markets show a quiet but accelerating restructuring of global finance. What once appeared as isolated moves — trade deals, currency discussions, and commodity market swings — now converge into a larger framework of strategic financial realignment.

Gold and the Federal Reserve’s Signal

• Gold prices slipped about 0.4% after the U.S. Federal Reserve adopted a cautious tone on rate cuts, which strengthened the dollar.

• Despite the short-term pullback, central banks remain net buyers of gold, underscoring its role as a hedge against monetary instability.

• Gold’s behavior continues to act as a barometer of structural transition — signaling investor hedging ahead of potential monetary resets rather than mere cyclical policy shifts.

BRICS Currency and the Rise of a Multipolar Payment System

• The BRICS bloc is intensifying discussions on creating a joint payment and settlement system to reduce reliance on the U.S. dollar.

• This effort complements the broader “de-dollarization” trend observed across Asia, Africa, and Latin America.

• Analysts suggest such a system could eventually function as a parallel settlement layer backed by commodities or digital assets — a key stepping stone toward a new reserve architecture.

China’s Yuan-Based Diplomacy

• Russian businessman Oleg Deripaska emphasized that China’s vision for a multipolar world order depends on establishing a yuan-based settlement framework.

• This positions the yuan not just as a national currency, but as the anchor of a regional financial system aligned with trade corridors like the Belt and Road Initiative (BRI).

• The yuan’s role in energy, commodities, and strategic infrastructure reflects Beijing’s push to pair diplomacy with monetary design — a direct counterpart to the dollar’s post-World War II system.

Resource Diplomacy: The Metals Dimension

• The U.S.–Australia Critical Minerals Agreement illustrates how diplomatic ties are now inseparable from resource and monetary strategy.

• Securing rare earths and battery metals forms part of the West’s response to Chinese resource dominance — effectively a financial defense mechanism.

• By controlling upstream materials, nations also control currency stability, trade leverage, and supply-chain financing — extending diplomacy into financial architecture.

Why It Matters

• Metals are now monetary assets again. Gold, rare earths, and critical minerals underpin not just trade but sovereign financial independence.

• Currency and diplomacy are merging. The yuan’s expansion, BRICS discussions, and Western resource alliances show finance being rebuilt around political blocs.

• A dual financial architecture is emerging. One dollar-centric; the other regionalized and resource-backed — together forming the next phase of Bretton Woods 2.0.

• These trends are not isolated policy events but coordinated responses to the same structural force: the global realignment of trade, energy, and settlement systems.

Outlook

Watch for:

• Formal announcements on the BRICS payment platform or gold/yuan linkages.

• Central bank gold reserves — if accumulation accelerates, it signals growing confidence in a non-dollar system.

• Strategic mineral treaties — each deal effectively extends a new financial frontier beyond the traditional banking network.

• Yuan and commodity settlement volumes — the metric that may define who controls the “liquidity language” of the next decade.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Discovery Alert – “Federal Reserve Rate Cuts and Gold Prices: 2025 Market Analysis”

• Reuters – “US-Australia critical minerals deal underscores gap to China” 

• White House – “United States-Australia Framework For Securing of Supply in the Mining and Processing of Critical Minerals and Rare Earths” 

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“BRICS Unbroken: Why Allegations of a Split Miss the Point of the Global Finance Shift”

The allegations of member-exit are a distraction — the real story is a deeper financial and geopolitical re-structuring underway.

The claim — that one or more members of BRICS are leaving the bloc — is unfounded. What’s occurring instead is the reinforcement of collective financial and trade mechanisms that challenge Western-centric systems. 

🔹 What the Source Says

• Maria Zakharova, spokesperson for Russia’s foreign ministry, stated that no BRICS member has formally notified the bloc of any intention to leave, despite U.S. tariff pressure. 

• Rather than splitting, the bloc is reportedly being pushed closer together by external pressure: “tariffs … are pushing the BRICS countries not to leave the association, but […] to expand trade, economic, and financial cooperation and develop mechanisms for practical cooperation that are resistant to external risks.” 

• BRICS continues its enlargement and institutionalisation: the group has expanded membership, created partner-country status, and developed financial institutions. 

🔹 How This Fits with the Global Financial & Alliance Restructuring

• Alliance architecture rewriting: This isn’t a story of collapse but of transformation. Without public exits, the BRICS model transitions like this: moving from loose cooperation toward coordinated financial and trade infrastructure (e.g., alternative settlements, multi-currency arrangements).

• Financial system reset in motion: The strength of the alliance under pressure signals that new financial networks (clearing, settlement, trade-financing) are being constructed specifically to withstand Western-led tariffs and sanctions. That means the architecture of global finance is being layered, not just modified.

• U.S. strategic dimension: As you track from your lens, these developments underscore why U.S. trade deals, diplomacy and regulatory influence matter so much — the alternative networks being built by BRICS and its partners could bypass much of the U.S.-dominated system.

• Narrative & perception: The sceptical narrative of “members leaving” is itself significant: it shows how much the U.S. (and Western media) treat BRICS as a threat. BRICS’s ability to deflect the narrative and show cohesion strengthens its position in the global reset.

🔹 Why It Matters

• For global investors & policymakers: If BRICS holds together while developing independent finance/trade rails, capital flows, asset-allocation decisions and currency exposure must evolve accordingly.

• For the U.S.: This is not just competition in trade — this is competition over financial infrastructure: who owns the rails, who sets the rules, who controls settlement and value movements. Every trade deal, tariff threat or regulatory policy becomes part of that broader architecture.

• For system stability: Multi-polar finance means risk is redistributed. The old “West vs the rest” model is morphing into a multi-node network where disruptions in one node (e.g., sanctions, export bans) compel others to pick up slack or build alternatives. Resilience is being baked into the system via redundancy.

• For the global reset: When alliances like BRICS show resilience under pressure, it accelerates the move from a unipolar, dollar-centric system toward a multipolar network of trade-finance hubs — which means your tagline holds true: “This is not just politics — it’s global finance restructuring before our eyes.”

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher Guru – “Which Countries Are Leaving the BRICS Alliance?”  

• Council on Foreign Relations (CFR) – “What is the BRICS Group and Why Is It Expanding?”

• Carnegie Endowment – “BRICS Expansion and the Future of World Order.”

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Thank you Dinar Recaps

Why a Currency Reset is Inevitable: Lynette Zang

Why a Currency Reset is Inevitable: Lynette Zang

VRIC Media:  11-2-2025

In a world increasingly reliant on digital screens and paper promises, the foundational value of physical assets is often overlooked—until the system starts to crack.

In a recent, highly insightful interview on VRIC Media with host Darrell Thomas, financial expert Lynette Zang of Zang Enterprises laid out a powerful case for the imminent transformation—or necessary reset—of the global monetary system.

 Her focus was sharp: the dramatic and growing divergence between the paper markets and the immutable value of physical gold and silver.

If you are holding paper assets, futures contracts, or simply trusting the current debt-driven system, Zang’s analysis offers a critical wake-up call.

The core of Zang’s argument rests on a phenomenon that signals deep distress in the financial plumbing: the growing separation between the price of paper metals (futures, spot contracts) and the price for actual physical delivery.

Zang highlighted the critical importance of backwardation. This is a rare and jarring market condition where the price for immediate physical delivery exceeds the price of futures contracts.

In simple terms, people are willing to pay more right now for the actual metal than they are willing to pay for a promise of delivery months down the line.

“Backwardation is a clear signal that distrust in the paper system is peaking,” Zang explains. “Paper gold and silver contracts can be manipulated and created in unlimited quantities without corresponding physical backing.

 The market is waking up to the reality that these contracts are simply promises, not actual assets.”

The implications are profound. As central banks repatriate their gold reserves and institutional players increasingly demand physical settlement, the illusion of unlimited inventory shatters, favoring those who hold the metal in their hand, not on a screen.

Why is this systemic distrust manifesting now? Zang points directly to the elephant in the room: ballooning global debt.

In a monetary reset scenario—where currencies must be revalued against a stable, foundational asset like gold—the true debt load must be accounted for.

 According to Zang’s analysis, when the massive weight of global indebtedness is properly measured against gold’s fundamental value, the asset’s price must adjust dramatically.

Zang estimates that upon a true market reset or revaluation, gold’s necessary fundamental value could reach an astonishing $33,000 to $40,000 per ounce.

This isn’t hyperbole based on market speculation; it is an estimate derived from balancing the current financial liabilities of the world against the only true form of sound money.

While the numbers are staggering, Zang spent significant time focusing not just on the problem, but on practical solutions for individuals navigating this transition. This shift requires more than just financial diversification; it requires holistic preparedness.

The coming transition, Zang argues, will challenge essential services. Her advice extends far beyond the financial portfolio:

“Sound money alone is not enough,” Zang cautioned. “We must build local communities for mutual support around the essentials of life: food, water, shelter, and energy. We need to be prepared with barterable goods and a network of people who can rely on each other.”

Taking control of one’s financial future in a transitioning economy means understanding true asset values, avoiding reliance on manipulated markets, and building a foundation of resilience that extends to your physical community.

Lynette Zang’s insights are a powerful reminder that while central banks and politicians wrestle with debt ceilings and inflation targets, the market—signaled by backwardation and the demand for physical assets—is already choosing sides.

The systemic shift is favoring physical metals over paper promises. If Zang’s estimates even approach reality, the time to secure your position in sound money is now.

*Ready to dive deeper into the mechanics of the monetary system reset? 

Watch the full insightful interview from VRIC Media with Darrell Thomas and Lynette Zang for comprehensive analysis and details on how to navigate this crucial transition.

https://youtu.be/lwB_-cWoao0

Edu Matrix: Who’s Holding up the IQD RV?

Edu Matrix: Who’s Holding up the IQD RV?

11-2-2025

The revaluation of the Iraqi Dinar (IQD) has been a topic of intense speculation and discussion for years, yet the anticipated change remains elusive. Why?

In a recent insightful video from Edu Matrix, financial expert Sandy Ingram delves deep into the labyrinthine factors impeding the IQD revaluation, identifying five primary entities that collectively contribute to this ongoing delay.

Her analysis urges viewers to consider who truly holds the most sway in this intricate geopolitical and economic landscape.

First up, the mighty United States. Sandy Ingram points out that the U.S. exerts significant pressure on Iraq, particularly regarding its relationship with neighboring Iran.

Beyond geopolitical maneuvering, the U.S. is deeply concerned about controversial legislation being introduced in Iraq’s parliament. A startling example cited is a proposed bill that would reportedly allow adult men to marry 10-year-old girls. Such legislation raises global human rights alarms and undoubtedly impacts international confidence and potential U.S. support for Iraq’s economic aspirations.

Next, we turn to the International Monetary Fund (IMF). A crucial prerequisite for any currency revaluation is the certification of a nation’s economic stability. While Iraq is rich in oil, the IMF has yet to certify its economic stability beyond this single sector. For a sustainable and credible revaluation, Iraq needs to demonstrate a diversified and robust economy that isn’t solely reliant on fluctuating oil prices. This certification is a non-negotiable step for the global financial community.

The Central Bank of Iraq (CBI) faces its own set of challenges. Sandy Ingram highlights criticism directed at the CBI for failing to adequately align the Iraqi banking system with international standards. In today’s interconnected financial world, such alignment is critical for establishing credibility, fostering trust, and ensuring currency stability. Without a banking infrastructure that meets global benchmarks, the path to a fully revalued and convertible currency remains fraught with obstacles.

The Iraqi government itself isn’t exempt from scrutiny. Sandy Ingram points to poor fiscal management practices, specifically the government’s habit of earning revenue in U.S. dollars but spending in Iraqi dinars. This creates unintended distortions in currency flow, complicating the CBI’s efforts to manage and stabilize the dinar. Effective revaluation requires coherent and disciplined fiscal policies that support, rather than undermine, the national currency.

Finally, a less obvious but significant factor involves the Iraqi people. Sandy Ingram suggests that the reluctance of citizens to deposit their banknotes into formal banking institutions limits the central bank’s ability to effectively control currency circulation. A central bank needs to understand and manage the supply of its currency in the system to undertake an effective revaluation. When a significant portion of cash remains outside the formal banking system, this vital control is hampered.

After laying out these five complex factors, Sandy Ingram emphasizes a critical point: among these five, two actors are significantly more responsible than the others for the current delay. The remaining three issues, while important, are viewed as ongoing efforts or “work in progress.” This distinction is crucial, prompting viewers to ponder which two entities wield the most decisive power in this scenario.

The revaluation of the Iraqi Dinar is clearly not a simple economic adjustment. As Sandy Ingram eloquently articulates, it is a multifaceted issue deeply interwoven with political pressures, economic prerequisites, and social behaviors. Understanding these intricate layers is essential for anyone following the IQD’s journey.

For a deeper dive into these intricate details and to form your own conclusion on who holds the most influence, be sure to watch the full video from Edu Matrix.

https://youtu.be/Yb-4DMap-QA

https://dinarchronicles.com/2025/11/02/edu-matrix-whos-holding-up-the-iqd-rv/

“Tidbits From TNT” Sunday 11-2-2025

TNT:

Tishwash:  Indonesia plans digital version of rupiah for financial market

Bank Indonesia will introduce Rupiah Digital, a digital version of Sekuritas Rupiah Bank Indonesia (SRBI), as part of a phased rollout through 2030.

The central bank plans gradual development, starting with experimentation in digital securities issuance, transfers, and withdrawals from 2025 to 2026.

Further testing will cover monetary operations and financial market transactions between 2027 and 2028, followed by advanced features such as programmability, composability, and tokenization in 2029 to 2030.

Rupiah Digital will be built on distributed ledger technology, according to the central bank’s Payment System Blueprint 2030.

Bank Indonesia also plans to issue BI-FRN, a new floating-rate note, to complement its existing monetary instruments.

Details on BI-FRN will be released in early November.

The instrument is intended to support the domestic financial market and real sector.  link

Tishwash: An expert: 90 trillion dinars are hoarded by Iraqis and do not reach the banks.

Financial expert Mahmoud Dagher revealed on Sunday that the amount of cash held by the "public" is estimated at about 90 trillion dinars, out of a total of 98 trillion dinars that is the size of the cash mass in Iraq.

Dagher, who previously served as a director at the Central Bank of Iraq, told Shafaq News Agency that "the volume of issued cash is around 98 trillion dinars, of which 88 to 90 trillion are in the hands of the public."

He added, "The public does not only mean the people, but also the merchants, the contracting companies, and the industrialists," explaining that "Iraqis hoard money instead of depositing it in banks, because our society likes to deal in cash and needs a long time to get used to electronic payment methods, in addition to the lack of trust   in banks among some depositors after the setbacks that occurred in the banks."

He pointed out that "all these matters are considered behavioral issues, as people are accustomed to keeping a portion of their money, and so are companies, therefore Iraqis think this way."

According to specialists, this phenomenon has many negative aspects, including that the central bank loses its actual control over the money supply, and that its tools such as the interest rate or rediscount become less effective, while banks suffer from a shortage of liquidity, which weakens their ability to finance projects and pushes investors towards informal financing, in addition to the difficulty of managing inflation due to the money supply not officially circulating, which negatively affects the central bank’s decisions in achieving its main goal, which is to control the general level of prices and achieve stability  link

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

Tishwash: Al-Araji meets with the US Secretary of the Interior in the Bahraini capital, Manama.

National Security Advisor, Mr. Qasim Al-Araji, met with the United States Secretary of the Interior, Mr. Doug Borgum, on the sidelines of the Manama Dialogue 21 conference held in Bahrain. 

During the meeting, discussions were held on the continuation of security cooperation between Iraq and the United States of America and the development of strategic partnership relations between the two countries in the field of exchanging information and expertise and combating terrorism and drugs.

The active role of Iraq in the stability of the region was also reviewed, through the Iraqi government’s policy of distancing itself from conflicts and bringing international and regional viewpoints closer together.  link

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

Tishwash:  Al-Rasheed Bank calls on employees to update their data and warns of temporary account suspension.

Al-Rasheed Bank has called on all employees whose salaries are deposited with the bank to update their personal information via the bank's mobile application, in accordance with the directives of the Central Bank of Iraq.

This update is intended to ensure the uninterrupted provision of banking services. The bank indicated that the update aims to organize and ensure the accuracy of the data, warning that failure to complete this procedure may result in the temporary suspension of the account until the update is completed. The bank clarified that this service is currently available only to employees and encouraged them to download the application from the App Store or Google Play. Users are advised to visit their nearest branch if they encounter any difficulties.

The bank stated in a statement:

Al-Rasheed Bank called on all employees whose salaries are deposited with it to quickly update their data exclusively through the bank’s application, based on the directives of the Central Bank of Iraq and to ensure the continued provision of banking services without interruption.

The bank explained in a statement that the update process is for auditing purposes aimed at organizing the data and ensuring its accuracy.

He noted that failure to update information may lead to the account being temporarily suspended until the required procedures are completed.

He explained that the service currently includes only employees and does not include retirees at this stage, calling for downloading the Al-Rasheed Bank application from the App Store or Google Play and completing the update process easily and securely.

The bank confirmed that if the update mechanism is unknown or if there is difficulty in using it, it is possible to visit the nearest branch of the bank.  link

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

Mot: How Do they Do it!!!??? 

Mot:  Careful -- the ""Seenagers"" Are OUt and about!!!

Seeds of Wisdom RV and Economics Updates Sunday Morning 11-2-25

Good morning Dinar Recaps,

“Bretton Woods 2.0: The Monetary Architecture of the Reset”

The 1944 system is crumbling — and a new financial framework is emerging that could redefine currency, trade, settlement and reserve strategy.

The phrase “Bretton Woods 2.0” is more than academic — it signals a structural shift in how global finance will be governed, especially in an age of digital currency, geopolitical fragmentation and new regional power blocs.
Detailed proposals and analyses by multiple think‐tanks show the old post-war institutions (International Monetary Fund, World Bank) are under pressure to adapt. 

🔹 Key Features of the Bretton Woods 2.0 Discussion

• Governance reform: upgrading or replacing institutions to reflect 21st-century power shifts (emerging markets, digital economy) rather than dominance of Western powers.

• Digital currency & settlement innovation: digital-central bank currencies (CBDCs), tokenised assets, programmable money are pushing the architecture to change. 

• Resource and trade power linked to financial leverage: control of key inputs (rare earths, critical minerals) and trade terms become intertwined with finance architecture.

• Multipolar reserve/currency models: The dominance of the U.S. dollar and dollar-based settlement is being challenged by blocs and alternative systems (BRICS, Asia-Pacific, digital rails).

🔹 How This Could Lead to a New Global Financial System

• Currency reset potential: If major economies adopt divergent digital currencies or switch reserve assets (e.g., gold, commodities, new currency baskets), the old dollar-centric system may yield.

• Settlement rail competition: As regional blocs build their own clearance and settlement systems, global capital flows may shift from old rails to new ones.

• Trade and finance integration: Trade deals that include embedded finance clauses (digital settlement, fintech integration) mean trade policy becomes finance policy — the architecture of trade becomes architecture of money.

• Institutional redesign: New frameworks will incorporate climate finance, value chains, data flows and technology, signalling a broader “finance system” than just banks and central banks — it's the new infrastructure layer.

🔹 Why It Matters for the U.S. and Global Finance

• For the U.S., failing to engage in or shape the Bretton Woods 2.0 architecture risks losing rule-making power in global finance, being relegated to follower status rather than leader.

• For global investors & institutions: a shift means rebasing models — what assets are safe, what currencies are dominant, what settlement systems will prevail.

• For systemic stability: a poorly managed transition could produce fragmentation, dual systems, competing currencies and heightened financial risk — the reset must be orderly or it risks disorder.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Atlantic Council – Bretton Woods 2.0 Project – Examining deep challenges facing the Bretton Woods institutions and reimagining governance of international finance. 

• Discovery Alert – “Bretton Woods 2.0: Understanding the Coming Monetary System Reset.”  

• RSIS (Nanyang) – “The Case for Bretton Woods 2.0”.  

• Carnegie Endowment – “The Bretton Woods Moment—and Its Necessary Replacement.”  

~~~~~~~~~

“Slow Growth, Big Stakes: The International Monetary Fund Outlook & the Financial Reset”

Why modest global growth forecasts are not just economic news — they raise structural questions about the next finance architecture.

Global growth has turned sluggish, and for the world of money and finance, that means more than a slowdown — it signals a potential shift in how the system works.
According to the IMF’s October 2025 World Economic Outlook (WEO), global GDP growth is projected at approximately 3.2 % in 2025 and then 3.1 % in 2026. 
The tone: “Global economy in flux, prospects remain dim.”

🔹 Key Highlights from the WEO

• Growth in advanced economies projected around ~1.5–1.6 % in 2025-26. 

• Emerging market & developing economies projected just above 4 % growth — a moderate pace. 

• Risks are tilted to the downside: protectionism, labour-supply shocks, ageing populations, fiscal vulnerabilities and financial‐market fragilities. 

• Trade diplomacy, strong institutions and policy clarity are cited as key to restoring confidence. 

🔹 Why This Outlook Signals a Financial Restructuring Moment

• Low growth + high debt = a stressed system: With slower growth, existing fiscal burdens and leveraged financial structures face more strain — increasing the need for new financing models, restructuring of debt, and alternative capital flows.

• Policy space narrowing: If advanced economies are stuck at ~1.5 % growth, monetary and fiscal tools may be less effective, prompting innovative financial instruments, regional cooperation and new reserve/settlement mechanisms.

• Trade & finance intersection: The IMF explicitly links trade diplomacy to output gains (e.g., resolving policy uncertainty + better trade deals = ~0.4–0.7 % uplift) in the WEO.  That means trade policy and financial architecture are overlapping — which invites broader system redesign.

• Structural shift in capital flows: Sluggish growth can push capital away from traditional markets and into alternative assets, new regions, digital finance – accelerating the reset of global finance networks.

 🔹 Why It Matters to You & the Global Finance Reset

• Investors and institutions should prepare for non-linear change, not just slower growth but changed rules of capital, settlement, risk assessment.

• The U.S. and allied economies may need to renegotiate their role in global finance, especially as emerging markets maintain growth closer to 4 % and may command more weight in the new system.

• The architecture of trade, output, and finance are merging: trade deals, commodity flows, digital finance, and capital allocation will form the next generation of "who controls what" in global finance.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• IMF – Press Briefing Transcript: World Economic Outlook, Annual Meetings 2025.  

• IMF – World Economic Outlook: Global Economic Outlook Shows Modest Change Amid Policy Shifts and Complex Forces.  

• Reuters – IMF lifts growth outlook on more benign tariffs as revived US-China trade war looms. 

• The Guardian – IMF chief warns ‘uncertainty is the new normal’ in global economy. 

~~~~~~~~~

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Sunday Morning 11-2-25

Hantoush: Liberation From Dollar Restrictions Marks A New Beginning For The Iraqi Banking Sector.
 
Information / Baghdad..   Financial and banking expert Mustafa Hantoush confirmed on Saturday that the  banking sector in Iraq is on the verge of a new phase towards liberation from the restrictions of dealing in dollars, stressing that this requires   comprehensive and   radical reforms  to  modernize the banking structure and   enhance its efficiency.

Hantoush told Al-Maalomah News Agency that “about 90% of the Iraqi banking system is still subject to the impact of restrictions imposed on dealing in dollars,   as a result of the   problems and   suspicions that the sector witnessed during the past periods,” indicating that “the latest indicators are positive, and it is expected that some banks will begin to gradually free themselves   from these restrictions during the next three months.

” He added that  "the banking sector still lacks real activity, as  it needs to activate the deposit, lending and investment system    in an integrated manner,  with a review of regulatory standards  in coordination with the Central Bank of Iraq."
 
Hantoush called for "a shift towards full financial inclusion through   diversifying banking services and   expanding the customer base, as well as   strengthening cooperation with international banks and   opening new correspondent channels    that enable Iraqi banks to integrate into the global financial system."
 
Hantoush concluded by emphasizing that "developing technological systems and   streamlining procedures to better serve citizens   represent the most important step in the reform process, as   they are fundamental to eliminating the bureaucracy    that hinders the sector's progress and   limits its competitiveness." End / 25s      
https://almaalomah.me/news/114332/economy/حنتوش:-التحرر-من-قيود-الدولار-بداية-جديدة-للقطاع-المصرفي-الع

World Gold Council: Global Demand Rises 3% To A Record High

Money and Business  Economy News - Follow-up  The World Gold Council said on Thursday that global gold demand rose 3% year-on-year to 1,313 tons, the highest quarterly figure on record, in the third quarter of the year, with a sharp rise in investment demand.

Gold prices in spot trading have risen 50% since the beginning of this year, hitting an all-time high of $4,381 per ounce on October 20, driven by safe-haven demand due to geopolitical tensions, uncertainty over US tariffs, and more recently by a wave of buying motivated by fear of missing out.

Louise Street, chief market analyst at the World Gold Council, said, "The outlook for gold remains bullish, as continued weakness in the US dollar, expectations of lower interest rates, and the risk of stagflation could boost investment demand."

Demand for gold bars and coins rose 17% in the third quarter, led by India and China.

The World Gold Council reported that inflows into gold exchange-traded funds jumped 134%.

The World Gold Council estimated that central banks, another major source of gold demand, increased their purchases by 10% to 219.9 tons in the third quarter, based on reported data and its estimates of unreported purchases.

The council explained that central banks bought 634 tons of gold between January and September, an amount "less than the exceptional levels recorded in the past three years, but still significantly higher than pre-2022 levels."
https://economy-news.net/content.php?id=61767

Iraqi Oil Exports To America Declined During The Week

Economy | 10:08 - 02/11/2025  Mawazin News - Follow-up:  The US Energy Information Administration (EIA) announced a decline in Iraqi oil exports to the United States last week.

In its statistics, the EIA stated that "the average US crude oil imports last week from nine major countries reached 4.708 million barrels per day, a decrease of 508,000 barrels per day from the previous week's average of 5.216 million barrels per day."

It added that "Iraqi oil exports to the US averaged 92,000 barrels per day, a decrease of 163,000 barrels per day from the previous week's average of 255,000 barrels per day."

The EIA also indicated that "the largest source of US oil imports last week came from Canada, averaging 3.580 million barrels per day, followed by Saudi Arabia at 257,000 barrels per day, Mexico at 256,000 barrels per day, and Brazil at 141,000 barrels per day."

According to the table, "US imports of crude oil from Venezuela averaged 121,000 barrels per day, from Nigeria 119,000 barrels per day, from Colombia 72,000 barrels per day, and from Ecuador 70,000 barrels per day, while no quantity was imported from Libya."    https://www.mawazin.net/Details.aspx?jimare=269517

Border crossings: Customs revenues are expected to exceed 2.7 trillion dinars

Economy | 02/11/2025  Mawazin News – Baghdad:  The Border Ports Authority expects customs revenues in Iraq to reach between 2.5 and 2.7 trillion dinars by the end of 2025, confirming that this growth is the highest since 2003.

In a statement received by Mawazin News, the Authority said, “The electronic and monitoring procedures adopted by the government, implemented according to well-defined timelines and with on-the-ground follow-up by port staff, have contributed to a significant increase in revenue collected between 2023 and 2025, after remaining stable at around one trillion dinars annually in previous years.”

The statement added, “The first ten months of 2025 saw revenues exceed 2.1 trillion dinars, the highest figure since 2003, while estimates indicate the possibility of reaching 2.7 trillion dinars by the end of the current fiscal year. This reflects the success of government measures in controlling ports, reducing financial leakage, and improving collection.”

The authority explained that “the improvement was achieved thanks to enhanced oversight and e-governance, expanded security and financial coordination to curb smuggling, and a reduction in illegal exemptions, in addition to the stages of automation and electronic linking, and the auditing of assessment, inspection, and financial transfer processes.”

It noted that “monitoring financial transfers of commercial companies in coordination with governmental and judicial bodies resulted in the recovery of funds and the taking of legal action against violators, as well as obligating hundreds of companies to pay the fees and tax deposits owed after arrest warrants were issued against their authorized managers.”

The authority affirmed that “the improvement in collecting customs and tax revenues represents a strategic achievement that strengthens the state’s non-oil resources and supports the stability of fiscal policy and Iraq’s credit rating with international institutions, in line with the objectives of the government program to maximize non-oil revenues.”

It concluded by stating that “the Prime Minister has directed the completion of the comprehensive automation project for customs during 2026, similar to the electronic procedures adopted at border crossings, within a national plan aimed at increasing revenues and achieving sustainable financial and economic reform.” https://www.mawazin.net/Details.aspx?jimare=269516

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

Why Everyone has failed to Predict the Stock Market Crash

Why Everyone has failed to Predict the Stock Market Crash

Michael Cowan:  10-31-2025

For years, analysts have been predicting “the big one”—the market crash that would reset asset prices across stocks, real estate, and crypto. Yet, despite seemingly unsustainable valuations and glaring economic cracks, the market indices continue to defy gravity, often setting new highs.

Why haven’t the predicted crashes materialized? Are the bears fundamentally wrong?

According to economic analysis by Michael Cowan, the failure to predict the crash stems from a fundamental misunderstanding of the crisis itself. The real danger isn’t a traditional market crash; it’s a slow, insidious economic collapse driven by the debasement of the US dollar and the global fiat currency system.

The asset bubbles we observe are merely the symptoms of relentless monetary expansion.

How can the stock market thrive while the average consumer struggles?

The answer lies in the central banks’ actions. Following global crises, central banks have consistently chosen the path of least resistance: injecting trillions of dollars into the financial system.

 This process—known colloquially as “money printing”—doesn’t flow into productive ventures or raise average wages; it primarily chases existing assets, inflating their prices.

The result is a stock market that no longer reflects the underlying health of the economy, but rather the sheer volume of new currency chasing limited assets.

When governments intervene to prevent a crash, they simply print more money, guaranteeing that while asset prices may hold stable (or even rise in nominal terms), the value of the currency used to measure them erodes dramatically.

It’s not that the assets are becoming more valuable; it’s that the dollar is becoming less valuable.

To understand the inevitable outcome of this policy, we must look at historic examples of currency debasement.

Consider the case of Venezuela. During periods of hyperinflation in Venezuela, the local stock market indices soared. For an investor looking solely at local currency gains, it appeared there was massive growth. However, when those gains were measured against a stable foreign currency like the US dollar, the “growth” was wiped out entirely.

The local market gains were simply a mathematical reflection of a collapsing currency.

The US dollar’s status as the world’s reserve currency currently provides a powerful cushion, delaying the Venezuelan-style hyperinflation that other countries experience. But this reserve status is not permanent, and the trend line is clear.

Since the Federal Reserve was established in 1913, the purchasing power of the US dollar has plummeted by an astonishing 97%.

The decoupling from the gold standard in 1971 accelerated this trend, allowing governments to expand the money supply virtually unchecked, leading us directly to the current asset bubbles.

History offers a stern warning: since the 1700s, the average lifespan of a fiat currency has been just 27 years. The US dollar has far exceeded that average, holding reserve status for roughly a century—a cycle economists argue is now reaching its inevitable conclusion.

The US national debt is now astronomical, and the interest payments alone are becoming unbearable. Politicians, unwilling or unable to enact the necessary fiscal reforms, face a stark choice: default (politically impossible) or continue to inflate the currency until the debt burden becomes manageable in relative terms.

This unsustainable cycle points toward a forced monetary reset. While the form this reset will take is unknown, central bank digital currencies (CBDCs) are often discussed as a likely vehicle. CBDCs would allow governments unprecedented control over the flow and use of money, effectively giving them the tools to enforce a new economic paradigm designed to stabilize their debt obligations.

Panic is unproductive, but preparation is essential. If the real crisis is the erosion of purchasing power, then our focus must shift from predicting a market drop to securing assets that retain value regardless of the dollar’s instability.

The current economic environment is not one of impending disaster, but one of ongoing transformation. The market hasn’t crashed because the government has been propping it up with newly printed money—a policy that simply shifts the cost directly onto the savings and purchasing power of every citizen.

Understanding that the value of the currency is the true battlefield is the key to surviving the coming monetary reset.

For an extensive deep dive into the history of fiat currency failure and detailed insights into the potential monetary reset, we highly recommend watching the full analysis presented by Michael Cowan.

https://youtu.be/D7jUZ215neA

Iraq Economic News and Points To Ponder Saturday Afternoon 11-1-25

A New Wealth To Rival Oil: Billions Of Dollars Beneath The Sands Of Iraq
 
November 1, 2025Baghdad / Iraq Observer The Eco Iraq Observatory announced on Saturday the  quantities of silica sand discovered in the governorates of Anbar and Najaf,  describing it as “white gold”. 

The observatory said in a statement that “Iraq’s environment is rich in natural resources   that are no less important than oil,   most notably silica sands,” indicating that “initial explorations indicate that Anbar province contains   about 600 million discovered tons and   more than one billion tons of reserves   with a purity of up to 98%.”  

The observatory added, “In the Najaf Governorate,there are quantities estimated at   about 330 million tons of sand suitable for glassmaking, and    about 577.5 million tons for colored glassmaking, bringing the total to about 907.5 million tons of silica sand explored  with a purity of nearly 95%.”

It pointed out that “the price of one ton of silica sand ranges between $100 and $150,   which makes investing in these resources capable of  supplying the general budget with billions of dollars, in addition to providing more than 10,000 job opportunities in the two governorates.”
 
The observatory criticized “the weakness of the procedures   for investing in these raw materials      despite the existence of Iraqi competencies capable of managing them,” stressing “the need to amend the Mineral Investment Law No. 91 of 1988,as amended, in order to provide greater opportunities for   discovering and   investing in the country’s natural resources.” He confirmed that  “investing in this sand will provide more than 10,000 job opportunities.”
 
Silica sand is used in the manufacture of   glass,   silicone products, and   building materials. It is also used in   electronic devices,   solar cells, and   filtration processes.
 
Global consumption of silica sand reached approximately 479 million tons during 2024, with a value ranging between approximately $14 billion and $72 billion   depending on the    quality of the sand and the    market price.   https://observeriraq.net/ثروة-جديدة-تنافس-النفط-مليارات-الدولا/  

Oil Prices Fall Amid Strong Dollar

Economy |  31/10/2025  Mawazin News - Follow-up:  Oil prices declined, extending their monthly losses for the third consecutive month, amid a strengthening US dollar and increased supply from major global producers, which mitigated the impact of Western sanctions on Russian oil exports.

By 00:27 GMT, Brent crude futures had fallen 33 cents, or 0.51%, to $64.67 a barrel, while US West Texas Intermediate crude futures dropped 35 cents, or 0.58%, to $60.22 a barrel.

ANZ analysts said in a research note that the strength of the US dollar negatively impacted investor appetite for all commodities, including oil.

The US currency was boosted by comments from Federal Reserve Chairman Jerome Powell last Wednesday, in which he indicated that an interest rate cut in December was not certain, according to Reuters.

The two main crude oil benchmarks are heading for a decline of about 3% this October, amid expectations that global supply growth will outpace demand, as OPEC and other major producers increase output to bolster their market share.

The increased supply is also expected to mitigate the impact of Western sanctions that have curtailed Russian oil exports to its main customers in China and India.

According to market sources, the OPEC+ alliance is leaning towards a modest production increase in December and is scheduled to hold a meeting on the matter this coming Sunday.

Data from the Joint Organisations Data Initiative (JODI) showed that Saudi Arabia's crude oil exports rose in August to their highest level in six months, reaching 6.407 million barrels per day, with expectations of further increases.

A report from the US Energy Information Administration also indicated that US oil production reached a record high of 13.6 million barrels per day last week, further reinforcing the downward trend in global prices.
https://www.mawazin.net/Details.aspx?jimare=269404

Iraq Signs Contracts With 4 International Companies Regarding The Development Road

Money and Business  Economy News – Baghdad   Minister of Transport Razzaq Muhaibis Al-Saadawi confirmed on Friday that the ministry is in the process of contracting with a third party to audit the technical company responsible for the development road, noting that this road is an integrated economic project targeting 8 sectors.

Al-Saadawi said that "the ministry worked to overcome the challenges in the development road project by using foreign expertise," noting that "this project is strategic and large, and is being established for the first time in Iraq, and therefore there is a need for foreign expertise."

He added that "the ministry sought technical advice from the Italian company (PTP), and also sought financial and economic advice from the American company (Oliver Wyman), and also contracted with the American company (KBR) to audit the advisor (Oliver Wyman)," noting that "the ministry is now in the process of contracting with an auditor or a third party to audit the technical company."

Al-Saadawi explained that "this road is an integrated economic project targeting eight sectors, and there are countries willing to participate in the project," stressing that "there is a supreme committee and a body that is planned to be formed to manage the development road project."    https://economy-news.net/content.php?id=61779

Gold Continues Its Rise For The Third Month Amid Increasing Demand And Declining Interest Rates.

Economy | 09:32 - 31/10/2025  Mawazin News - Follow-up:  Gold prices recorded a new high, heading towards their third consecutive monthly gain, supported by increased demand for the precious metal as a safe-haven investment following the US interest rate cut and as investors assess the implications of the interim trade agreement between China and the United States.

By 01:09 GMT, spot gold had risen 0.3% to $4,034 per ounce, achieving a monthly gain of 4.5% so far.
In contrast, US gold futures for December delivery fell 1.1% to $3,955 per ounce.

The US Federal Reserve cut interest rates by a quarter of a percentage point last Wednesday for the second time this year, bringing the target range to between 3.75% and 4%.

Gold typically benefits from low interest rates and periods of economic uncertainty, as it is a non-yielding asset that retains its value over the long term.

According to the CME Group's FedWatch tool, markets are pricing in a 74.8% probability of an additional 25-basis-point interest rate cut at the December meeting, down from 91.1% a week ago, following comments from Federal Reserve Chair Jerome Powell that dampened expectations of another cut.

Meanwhile, the US dollar index held near its highest level in three months, making gold more expensive for holders of other currencies.

On the trade front, US President Donald Trump said on Thursday that he had reached an agreement with his Chinese counterpart Xi Jinping to reduce reciprocal tariffs in exchange for Beijing's commitment to combat illicit fentanyl trade and resume purchases of US soybeans, while rare earth mineral exports continue to flow to global markets.
As for other precious metals, spot silver was steady at $48.92 an ounce, platinum rose 0.2% to $1,613.50, and palladium jumped 2.1% to $1,474.51 an ounce.   https://www.mawazin.net/Details.aspx?jimare=269406

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