Ariel: The GENIUS Act’s Role in Global Payment Upgrades and Iraq’s Economic Pivot

Ariel: The GENIUS Act’s Role in Global Payment Upgrades and Iraq’s Economic Pivot

7-23-2025

So where are we in this process? Well let’s try to break this down.

Here we go.

The GENIUS Act, formally known as the Guiding and Establishing National Innovation for U.S. Stablecoins Act (S. 1582), was signed into law by President Donald Trump on July 18, 2025, marking a pivotal shift in how the United States positions itself in the evolving landscape of digital finance.

This legislation doesn’t just regulate stablecoins it fortifies the U.S. dollar’s dominance as the world’s reserve currency while embedding safeguards against illicit activities, all under the guise of innovation that Trump hailed as an “exciting new frontier” for cryptocurrency.

Iraq’s adoption of Temenos’ core banking platform, is no isolated upgrade it’s a calculated step toward aligning with GENIUS Act-compliant systems that facilitate currency revaluation and forex entry.

The National Bank of Iraq (NBI), part of the Capital Bank Group, completed its migration to Temenos in under 12 months by April 2024, enabling real-time processing of transactions, deposits, loans, and credits in a unified environment.

 This isn’t just operational streamlining; it embeds open banking APIs that allow interoperability with blockchain-based payment networks, setting the stage for Iraq to pair its dinar (IQD) with assets like XRP for efficient cross-border settlements.

Temenos’ digital products are designed to scale within open banking ecosystems, which under the GENIUS Act, means U.S.-regulated stablecoins can plug in directly, accelerating Iraq’s access to global financial institutions.

The integration connects Iraqi banks to forex markets by automating compliance with international standards, bypassing outdated legacy systems that have stifled IQD valuation since the post-Sadaam era.

For American holders of Iraqi dinar, this groundwork hints at a revaluation window where IQD could strengthen against the USD, driven by stabilized inflows from upgraded payment rails.

But, the real edge lies in how Temenos’ platform interfaces with Ripple’s protocol Deloitte’s ongoing project merges Temenos core banking with Ripple for bank-to-bank settlements, using XRP as a bridge currency to minimize forex risks. This pairing isn’t publicized widely, but it positions IQD for a potential revalue by leveraging XRP’s liquidity to handle volatile oil revenues without devaluing the local currency.

Sounds right?

The Kurdistan oil disbursements to Baghdad, long overdue since the 2023 pipeline halt, are a linchpin in this economic realignment, directly fueling Iraq’s push toward forex readiness and currency stability.

As of July 22, 2025, the Kurdistan Regional Government (KRG) has agreed to deliver 230,000 barrels per day (bpd) to Iraq’s state oil marketer SOMO for export via Turkey’s Ceyhan port, in exchange for Baghdad releasing delayed salary payments and budget shares.

This deal, announced just days ago, resolves a standoff that began when a Paris-based arbitration court ruled against unauthorized Kurdish exports in March 2023, costing the region billions in lost revenue.

Baghdad’s finance ministry has now disbursed May 2025 salaries for KRG employees, totaling over 120 billion IQD from non-oil revenues transferred by Erbil, marking the first concrete payout under the new agreement. This oil flow injects liquidity into Iraq’s central coffers, bolstering foreign reserves essential for IQD revaluation analysts project this could add $10-15 billion annually to forex holdings if sustained.

For IQD holders in America, who’ve amassed millions of dinars anticipating a windfall, this stabilization reduces hyperinflation risks, paving the way for a managed float in forex markets where XRP could serve as a hedging tool.

The GENIUS Act amplifies this by encouraging stablecoin adoption in oil trade settlements, allowing Iraq to bypass traditional USD intermediaries and revalue IQD based on real asset inflows rather than speculative printing.

Unpublicized aspects include quiet U.S. Treasury consultations with Iraqi officials post-Act signing, advising on XRP integration to comply with stablecoin regs while enhancing forex liquidity.

Pairing IQD with XRP under this framework isn’t mere speculation it’s embedded in Ripple’s ecosystem, where Temenos’ upgrades enable direct XRP bridging for currency revaluation without massive de-dollarization shocks.

XRP, as Ripple’s native asset, acts as a neutral intermediary in cross-border transactions, converting IQD to USD or other fiats in seconds at low cost, which is crucial for Iraq’s volatile economy.

 The GENIUS Act’s reserve requirements ensure any XRP-paired stablecoins maintain 1:1 USD backing, providing Iraq a safe on-ramp to forex without exposing IQD to crypto market swings.

For dinar investors stateside, this means potential exchange points at U.S. banks or forex brokers once Iraq announces a revalue rumored at 1:1 (or higher) parity with USD in optimistic circles, though some who are more pessimistic see it more realistically coming out at 1:0.5 based on oil-backed reserves.

Kurdistan’s oil deal adds nuance: The 230,000 bpd handover centralizes revenue, allowing Baghdad to collateralize IQD revalue against proven reserves, with XRP facilitating instant disbursements to avoid past embezzlement scandals.

Exclusive insight: Internal Ripple memos, not yet leaked, discuss pilot programs with Temenos for IQD-XRP pairs in Q3 2025, targeting oil export settlements to test revaluation mechanics under GENIUS compliance.

This could unlock trillions in frozen assets for Iraq, benefiting U.S. IQD holders through authorized exchanges, but expect stringent KYC to weed out speculative hoards. The Act’s unspoken goal: Cement U.S. oversight in these transitions, ensuring emerging markets like Iraq feed into American-dominated stablecoin ecosystems rather than rival CBDCs from China or Russia.

“Unpublicized aspects include quiet U.S. Treasury consultations with Iraqi officials post-Act signing, advising on XRP integration to comply with stablecoin regs while enhancing forex liquidity.” End quote.

Read Full Article:  https://www.patreon.com/posts/genius-acts-role-134727559

https://dinarchronicles.com/2025/07/22/ariel-prolotario1-the-genius-acts-role-in-global-payment-upgrades-and-iraqs-economic-pivot/

Wednesday Coffee with MarkZ. joined by Bob Lock. 07/23/2025

Wednesday Coffee with MarkZ. joined by Bob Lock. 07/23/2025

Some highlights by PDK-Not verbatim

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

Member: Good morning fellow coffee drinkers and MarkZ friends and family

Member: So what is new and exciting today Mark??? Are we almost at the end?

MZ: I do think we are almost at the end. Although no one knows the exact timing….events point as this being veery close.

Member: What are we looking for next regarding the GCR? is there any event that must occur, or are we waiting for a date to come like August 1st when tarrifs begin?

Member: Bruce thinks this is our week for sure

Member:  Praying and praying some more than Bruce is right.

MZ: Nothing fresh since yesterday on groups or bonds. Yesterday the groups side was very encouraging.

MZ: “ Al Sudani’s office publishes new details on phone call with US Secretary of State” They discussed a lot of things but Erbil was high on their list. Most of the call was about getting oil pumping from the Kurdish region.

Member: Baghdad will be paying Kurd salaries in “the next few hours” and Kurd COM came out and said they’ve agreed to resume oil so maybe today

Member: Trump has just recently made trade deals with Japan, Indonesia and the Phillipines.

Member: With a deal with Vietnam last month….Things are getting interesting

MZ: This is a huge one: “Trump announces Trade deal with Japan” He also talks about the deal with Indonesia. There has been a massive change in trade relations …..we are watching all the countries we are interested in get trade deals…I think this is a tell tale sign.

Member: Sounds like Nesara/Gesara to me…..I believe currency rates are also built into those trade deals.

Member: I have always wondered if Nesara and RV would go at the same time .. I know it doesn’t have to. But it makes sense.

MZ: “Trump considering eliminating Capital gains tax on houses” It makes sense as we have a housing shortage and many people are not selling their houses because they don’t want to take the tax hit. Now we need action…not just talk

Member: That goes for the RV as well…..lots of talk and chatter….but we need some action.

Member: We don't have a Capital Gain tax on houses in Quebec. Only secondary houses, not the main one.

Member: How about stopping All Unconstitutional Taxes??? What a concept!

Member: Will we have to pay Capital Gains tax on our currency exchange?

Member: Hope for the best but prepare for the worst…..noone really know until we exchange.

Member: If we could audit the Federal Reserve we would find that they have enough money to pay off our 33 trillion National Debt.

We also need to audit the Treasury and Ft. Knox…….Is DOGE gone now or are they still working?

Member: Maybe they are working behind the scenes????

Member: I wonder if Congress being gone on vacation make a difference or does it matter for the RV?

Member: we need to gather in prayer and plead to God for the RV to please happen soon.

Member: What does your gut say Mark?

MZ: My gut says we are almost done….so many of my sources are now looking at the week of the 28th. I am hopeful and trying not to get to excited.

Member: I’m hopeful RV for before the 28th

Member: Thanks Mark and Mods…..I hope we all have a wonderful Wednesday today.

Bob Locke joins the stream today. Please listen to the replay for his information and opinions

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

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

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

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THANKS FOR JOINING. HAVE A BLESSED DAY! SEE YOU ALL  TUESDAY THROUGH THURSDAY EVENINGS FOR NEWS @ 7:00 PM EST ~ UNLESS BREAKING NEWS HAPPENS!  FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:  https://www.youtube.com/watch?v=Ex5orno5PTs

News, Rumors and Opinions Wednesday 7-23-2025

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

RV Excerpts from the Restored Republic via a GCR: Update as of Wed. 23 July 2025

Compiled Wed. 23 July 2025 12:01 am EST by Judy Byington

Possible Global Currency Reset Timing:

On Fri. 18 July 2025 Trump signed the Genius Act, opening the door for the GCR payout, which was said to “Start the Financial Revolution in the US.”

Mon. 21 July 2025 A2Z DREAMZ: “They are / have been trading Iraqi dinar on back screens bank to bank for months!”

Tues. 22 July 2025 5:03 pm President Trump: “The reset has begun.”

Wed. 23 July 2025: Back window for possible Tier4b start (Us, the Internet Group).

MarkZ: “I’m feeling very confident that from the information I have received from groups, that we will wrap this up by Mon. 28 July.”

“On Fri. 1 Aug. you’re gonna get a lot of payments. You’re gonna be very happy. If you’re a citizen of this country, you’re gonna be getting a lot of money.” …President Trump

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Tues. 22 July 2025 Bruce:

HSBC Bank is no longer open in Canada

Sources say Wed, Thurs, or Friday for Tier4b (us, the internet group) to be notified to set appointments to exchange. Bruce guesses notifications will happen on Thurs. 24 July.

Mon. 28 July is the back wall.

Today Redemption Centers went in, but no new rates came up on their screens.

The new Dinar rate was not yet on the Forex. The rate was still going up in value. The Dinar has a higher contract rate and you can ask for it.

DOGE payments were set to begin by direct deposit Aug. 1-3.

SS increases were to occur in the month of August.

R&R payments will be in our Quantum Account when we set it up at the Redemption Center.

Read full Post here:  https://dinarchronicles.com/2025/07/23/restored-republic-via-a-gcr-update-as-of-july-23-2025/

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

Frank26 Iranian politician influence has been chocked off.  It is suffocating.  It can no longer compete with what is being promised by the leaders of [Iraq].  They are telling you exactly this...The monetary reform plan is alive and well that's why I keep telling you there are no delays and don't pay attention to these idiots from parliament...[Citizen's] purchasing power is coming.  Financial inclusion is real.  I'm excited today...

Militia Man  There's a push to go digital.  It's time to dry the dollar up.  The process has been underway for many months now...The US stopped shipments quite a while ago.  Iraq is not going to need dollars so much anymore especially when they have a real effective exchange rate applied to their present one.  Once they drop the three zeros from the exchange rate, apply a real effective exchange rate, turns out it's going to be stronger than the dollar, you're not going to see much [US dollars] in the street anymore. 

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Will BlackRock Influence the IQD Adjustment for Profits

Edu Matrix:  7-23-2025

Could the world’s largest asset manager influence the future of Iraq’s currency? In this eye-opening video, we explore whether BlackRock—a $10 trillion powerhouse—is quietly positioning itself to benefit from Iraq’s economic rise and what that could mean for the Iraqi dinar (IQD). As BRICS nations push for de-dollarization and BlackRock expands into emerging markets, we look at how financial giants could shape global currency trends.

We break down BlackRock’s interest in infrastructure, tokenized assets, and its subtle alignment with BRICS strategies.

Is Iraq preparing for a currency revaluation?

Could institutional players like BlackRock accelerate the process?

Get the full story—and what it means for investors, expats, and the global economy.

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

Iraq Economic News and Points To Ponder Wednesday Morning 7-23-25

The Dollar Approaches The Official Rate: A Real Reform Or A Temporary Trick?
 
July 22, 2025 Last updated: July 22, 2025   Al-Mustaqilla/- In a move that suggests a "shift" in the government's policy toward the dollar crisis,  Mazhar Mohammed Saleh, the financial advisor to Prime Minister Mohammed Shia al-Sudani,  revealed five factors that he said  would lead to narrowing the gap between the official and parallel rates, paving the way for what he described as a "matching" phase between the two rates.

But the most important question is:
     Is what is happening real reform?
     Or is it merely "economic makeup" that masks a fragile reality?
 
The official exchange rate,  set by the Central Bank at 132,000 dinars per $100,  is now approaching the parallel market rate of 139,000 dinars.
 
This decline is viewed by some as a positive sign, while others view it as a  "politicized" and  temporary move to calm the street  ahead of upcoming political and economic events.
 
Five factors or five pressure cards?
 
The government's primary consideration is preventing dollarization,   particularly in the real estate sector.
 
While this may sound like a good move in theory,
it raises questions about its implementation in a market teeming with informal transactions.
 
The second factor relates to transfers via global correspondent banks after the central bank window closed.
 
However, observers question:
     Are these transfers truly available to everyone,
     or are they restricted to specific names and companies?
 
The third factor is the entry of small traders into the official transfer window,
a step whose effectiveness on the ground is questioned by many due to the red tape and bureaucracy.
 
The fourth factor revolves around the expanding use of electronic cards, a move that is hampered by  technical infrastructure and a  deeply ingrained cash culture.
 
The fifth factor relates to what the government calls "price defense" through cooperatives,   a policy that could return Iraq to the era of "ration cards,"amid doubts about its sustainability.
 
Is the difference really less than 4%?
 
Advisor Saleh's statements that the difference between the two rates has become "merely a transaction cost" open the door to a broad economic debate:
 
Can we speak of "convergence" while the parallel market persists?
Have the dollar mafias truly been eliminated?
Or have their positions merely shifted?

In conclusion: appeasement or radical treatment?
 
Achieving a unified exchange rate is a legitimate popular and economic demand.
 
However, without a comprehensive reform of the financial system, increased transparency in transfers, and ensuring fairness in cash distribution, any decline in the parallel market may prove to be nothing more than a "warrior's rest" before another explosion.     https://mustaqila.com/الدولار-يقترب-من-الرسمي-إصلاح-حقيقي-أم/    

America Is Choking Off The Dollar In Iraq... And The Central Bank Is Distributing It Only To "Close Associates"!
 
July 22, 2025 Al-Mustaqilla/- A source said that the  Iraqi market is currently witnessing a severe shortage of cash dollars, as a result of what he described as a “well-considered” move by the Central Bank of Iraq,  
which decided to restrict dollar transactions to a limited number of private and government banks,  
while preventing or restricting the flow of hard currency to exchange offices and open markets.
 
According to the source, who spoke to Al-Mustaqilla on condition of anonymity,  this measure is an extension of a previous US decision to halt cash dollar transfers to Iraq.
 
This decision is part of a regulatory effort aimed at controlling the flow of currency and  preventing smuggling and money laundering, particularly after Washington identified Iraqi financial networks involved in suspicious transfers to countries subject to sanctions.
 
Dollar shortage crisis in the market:
 
The absence of cash dollars from the market has opened the door to a stifling liquidity crisis,
     leading to a decline in actual demand for the US currency and
     contributing to a depreciation of the exchange rate on the parallel market.
 
Yesterday, the dollar exchange rate recorded a significant decline,  reaching 139,000 dinars for every $100,  compared to previous levels of more than 143,000 dinars.
 
However, this "drop" in price does not reflect economic improvement as much as it indicates a shortage of supply and a  contraction in commercial activity in hard currency,
at a time when a  large segment of traders are turning to the Iraqi dinar in the absence of the dollar.
 
Dimensions of the American decision:
 
Washington's decision to halt the dollar exchange rate, while not officially announced as a punitive measure, is part of a series of pressures exerted by the US Treasury on Baghdad to regulate the financial and banking sectors and  prevent the flow of dollars to countries such as Iran, Syria, and Lebanon.
 
These pressures have resulted in the inclusion of Iraqi banks on watch lists, the imposition of strict restrictions on foreign transfers, and a reduction in the dollar cash quota previously sent by air to Baghdad.
 
Are we facing a "dollar drying up" phase in Iraq?
 
The facts indicate that Iraq has actually begun to enter a phase that can be called the “drying up of the cash dollar,”   a tactic with two objectives:
 
         Internally: controlling the market and regulating the use of foreign currency.
         Externally: appeasing Washington and avoiding sanctions or negative financial ratings. However,
 
this approach requires  radical reforms in the banking system and  ensuring comprehensive financial coverage for citizens.
 
Otherwise, the shortage could turn into a broader crisis that would  disrupt the economy and return the market to a state of chaos and confidence in the currency. https://mustaqila.com/الدولار-في-العراق/  

The US Has Stopped Sending Cash Dollars To Iraq. Is This The Beginning Of A Blockade?
 July 21, 2025  Al-Mustaqillah/- Private sources confirmed that the   United States has decided to completely halt cash dollar shipments to Iraq, a move described as potentially the beginning of a "financial blockade"  on some Iraqi banks involved in currency smuggling and money laundering.
 
According to a source who spoke to Al-Mustaqilla on condition of anonymity, 
Washington's decision does not pertain to Iraq as a country, but rather targets specific banks suspected of involvement in suspicious dollar transfers to countries subject to international sanctions.
 
This has angered the US Treasury, prompting it to tighten controls on dollar movement within the Iraqi market.
 
Sudden drop in exchange rate after the decision
 
Remarkably, the US decision coincided with a significant decline in the dollar exchange rate in the Iraqi market.  Experts interpreted this as a natural consequence of the restrictions on the circulation of cash and the  prevention of its smuggling abroad.
 
This led to an increase in supply in the local market and a temporary decline in its price.

Government shift towards “legal dollarization”
 
Separately, a banking source revealed that the Iraqi government has been relying on
new mechanisms for disbursing salaries and conducting financial transactions for months.
 
These mechanisms involve legal invoices processed through official banks and  digital platforms   linked to the global financial system. This is an alternative to the paper dollar shipments previously transported into the country by air.
 
The source indicated that this step represents a major shift in cash liquidity management in Iraq,
making it difficult for suspicious entities to continue smuggling or manipulating the currency market.
 
Is this the beginning of the storm?
 
The US decision raises many questions about the future of dollar transactions in Iraq,
especially in light of escalating regional tensions and Washington's tightening of financial sanctions.
 
Are we witnessing the beginning of a new phase of international restrictions on the Iraqi economy?
Or is this merely a technical measure against some violating banks? https://mustaqila.com/أمريكا-توقف-إرسال-الدولار-النقدي-إلى-ا/  

Source: New Digital Bank In Iraq Threatened With International Sanctions Over Money Laundering
 
July 21, 2025  Al-Mustaqilla/- An informed source said that a new digital bank in Iraq, linked to a prominent political figure,  faces international scrutiny and potential sanctions in the coming period  due to serious  financial cases related to money laundering and  smuggling funds abroad.
 
The source, who spoke on condition of anonymity, confirmed to Al-Mustaqilla's correspondent that
 
investigations conducted by international and security agencies revealed the bank's involvement in suspicious financial transactions, most notably the
     issuance of fake bank cards used to transfer illegal funds outside Iraq.
 
This has sparked widespread concern within the local and international banking community.
 
These developments come amid mounting criticism of the Iraqi financial system, which suffers from weak oversight and is being exploited by some political parties to pursue personal interests at the expense of the national economy. 

The source confirmed that sanctions will be imposed on the bank in the coming period, which could open the door to broader investigations to uncover more suspicious financial networks inside and outside Iraq.
 
This news raises serious questions about the transparency of the Iraqi financial sector and the possibility of achieving real reforms that put an end to the exploitation of political money among modern digital banks.     https://mustaqila.com/مصدر-مصرف-رقمي-جديد-في-العراق-مهدد-بعقو/   

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

Seeds of Wisdom RV and Economic Updates Wednesday Morning 7-23-25

Good Morning Dinar Recaps

The Global Economy Is Crumbling Before Our Eyes

A slow-motion collapse of the global financial system is underway, and it’s no coincidence. Historians Neil Howe and William Strauss suggest we are now deep into a historical crisis cycle—what they call the Fourth Turning—a destructive period that occurs every 80 to 100 years, reshaping societies, economies, and global power structures.

As this cycle unfolds, traditional financial systems may falter—and Bitcoin may serve as the escape hatch.

The “Fourth Turning” and Historical Collapse Cycles

Howe and Strauss, in their 1997 book “The Fourth Turning: An American Prophecy”, proposed that history moves in four recurring generational cycles:

1. The High – A time of strong institutions and social cohesion (e.g., post-WWII boom)

2. The Awakening – A cultural rebellion against institutions (e.g., 1960s-70s)

3. The Unraveling – An era of weakening institutions and growing individualism (1980s–2000s)

4. The Fourth Turning – A full-blown crisis where systems collapse and power structures reset

Past Fourth Turnings included the American Revolution, the Civil War, and the Great Depression leading to World War II. According to Howe, we entered the current crisis phase sometime between the mid-2000s and early 2020s.

Why Collapse Is Unfolding Now

Several converging forces are driving the present global disintegration:

1. Debt and Financial Instability

Since the 2008 financial crisis, governments and corporations have become dangerously reliant on low interest rates and easy credit. This has fueled record levels of global debt while inflating asset bubbles in stocks, real estate, and bonds. Now, with interest rates rising and debt burdens ballooning, the system is buckling.

2. Social Fragmentation and Institutional Breakdown

Trust in institutions—governments, media, banks—has collapsed. Rising inequality has triggered political polarization and populist uprisings across the world. From Trump in the U.S. to Meloni in Italy, mainstream politics is giving way to nationalist and anti-establishment movements.

3. Geopolitical Realignment and Superpower Conflict

China’s rapid rise has disrupted the unipolar world order dominated by the United States. Tensions over Taiwan, trade, and technology resemble the great-power rivalries of past Fourth Turnings. The new U.S.-China standoff has already begun to fracture global supply chains and military alliances.

Economic Fallout and Political Risk

In a debt-ridden world, governments typically face three choices:

• Austerity

• Default

• Inflation

Most choose inflation—it quietly reduces debt by devaluing money. However, this approach erodes savings, purchasing power, and investor confidence. The 2020 pandemic response demonstrated this clearly: trillions were printed, and inflation surged across essential goods and services.

If inflation persists, governments may resort to financial repression, compelling savers to hold government bonds with negative real returns, or imposing capital controls to trap wealth within borders.

Simultaneously, geopolitical conflict—especially in flashpoints like the Taiwan Strait—could trigger financial panic, crash markets, and cripple international trade. Countries are already being forced to choose sides between Western powers and BRICS nations.

Strategic Positioning: What Investors Can Do

According to financial historian Russell Napier, we are entering an era of high inflation, capital controls, and sustained financial repression. Investors should expect long-term constraints on liquidity and freedom of capital movement.

1. Bonds Are No Longer Safe

With inflation rising, bondholders will demand higher returns. This drives down bond prices, making once-safe government and corporate debt a liability.

2. Shift Toward Tangible Sectors

Infrastructure, energy, defense, manufacturing, and raw materials will become focal points for state investment. These sectors are positioned to benefit from government stimulus and national security priorities.

3. Gold, Silver, and Real Assets

Precious metals historically outperform during inflationary periods. Gold is increasingly seen as a reserve asset of last resort, especially if fiat currencies come under pressure.

4. Bitcoin as a Sovereign Hedge

Cryptocurrencies with strong adoption—primarily Bitcoin and Ethereum—may offer a path to preserving wealth in the face of monetary devaluation. As traditional systems falter, decentralized assets could provide an exit strategy for individuals seeking monetary sovereignty.

“Only digital assets with real utility and decentralized trust will endure. Most others will collapse,” analysts warn.

Conclusion: A Dangerous Decade, A Rare Opportunity

The 2020s may bring chaos, but also transformation. History shows that each Fourth Turning ends not in total destruction, but in renewal. After crisis comes rebirth.

Investors and citizens who adapt—by repositioning portfolios, securing tangible assets, and exploring decentralized options—may not only survive this upheaval but emerge stronger on the other side.

@ Newshounds News™
Source: CoinTribune

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WATCH LIVE: Fed Chair Jerome Powell delivers remarks on America's economic outlook

Powell is widely expected to shed light on the timing of interest rate cuts and where the Fed sees the economy headed over the next year.

@ Newshounds News™
Source:  Fox Business News

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“Tidbits From TNT” Wednesday Morning 7-23-2025

TNT:

Tishwash:  Transforming Iraq into a regional hub: Establishing a "Global Gold City" in Baghdad

The Iraqi Ministry of Trade has announced the establishment of a dedicated city for the gold and jewelry industry in the Iraqi capital, Baghdad.

The aim is to localize the precious metal industry and boost local production within the country, "which will contribute to transforming Baghdad into a regional center for the gold industry and trade."

 The ministry announced in a statement on Wednesday, July 23, 2025, that the Ministerial Council for the Economy had approved the proposal submitted by the Ministry of Trade to establish a "Global Gold City" in Baghdad. The ministry described the move as "strategic, aiming to localize the gold and jewelry industry within Iraq and boost local production."

Minister of Commerce, Athir Dawood Al-Ghurairi, emphasized in this regard that "the project represents a qualitative leap in the development of national industries," noting that "the city will include an integrated system that includes specialized industrial units, advanced training centers for goldsmithing according to international standards, as well as advanced markets and an exchange for gold and jewelry."

For his part, Director General of the Department of Foreign Economic Relations, Riyadh Fakher Al-Hashemi, explained that "the project aims to support the private sector and expand its contribution to the national economy," noting that "the city will be established within the integrated economic city in Baghdad, contributing to transforming the capital into a regional center for the gold industry and trade."

According to Al-Hashemi, the ministry has begun coordinating with the National Investment Commission to complete the requirements for land allocation and issue investment licenses in preparation for the project's implementation.  link

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Tishwash:  International certification in the reform notebook: The International Monetary Fund commends Iraq's efforts to curb inflation.

In a move that may reflect a tangible shift in Iraq's economic policy, the country received official praise from the International Monetary Fund for its efforts to curb inflation.

 Economists consider this a positive indicator of the effectiveness of the policies adopted by the government and the Central Bank over the past period.

Economic expert Nasser Al-Tamimi told Baghdad Today on Tuesday (July 22, 2025) that “the IMF’s praise represents a reassuring message to the international community and investors, and reflects the seriousness of the economic policies that Baghdad has recently adopted.” He added that “Iraq has faced major inflationary challenges in recent years as a result of internal and external factors, including fluctuations in oil prices and disruptions in supply chains, in addition to political and financial pressures.”

Al-Tamimi pointed out that "the improvement in inflation indicators is the result of balanced monetary policies, including tightening monetary policy tools, enhancing market oversight, and maintaining the stability of the dinar exchange rate, which helped prevent price increases and protect citizens' purchasing power."

However, he stressed at the same time that this praise "is not the end of the road, but rather the beginning of a long reform journey," emphasizing "the need to continue addressing structural gaps in the economy, expanding the revenue base beyond oil, and monitoring global developments that may impact price levels in the country in the future."

Al-Tamimi concluded his statement by saying, "The IMF report provides a strong impetus to the economic reform process, while simultaneously placing an additional responsibility on decision-makers to continue the corrective approach and achieve comprehensive and sustainable development that serves citizens first and foremost."

Economists believe that the Iraqi economy has faced significant inflationary challenges in recent years, influenced by a number of factors, most notably fluctuations in global oil prices, which represent the state's primary source of revenue. In addition, internal political and security crises and disruptions to global supply chains, particularly following the COVID-19 pandemic and the war in Ukraine, have also contributed to this.

In 2021 and 2022, Iraq recorded relatively high inflation rates, which negatively impacted the prices of goods and services and affected the purchasing power of citizens, particularly those with limited income.

In response, the Central Bank of Iraq adopted a more restrictive monetary policy, raising interest rates, strengthening oversight of banking activity, and attempting to stabilize the dinar's exchange rate against the dollar despite market volatility.    link

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Tishwash:  The Parliamentary Finance Committee announces good news for employees and important information about the agreement with the region.

The Parliamentary Finance Committee revealed a government plan to issue bonuses and promotions without linking them to budget schedules.

Committee member Moeen Al-Kadhimi said during his appearance on the "Free Talk" program on Al-Furat satellite channel: "It is likely that in the coming period, Prime Minister Mohammed Shia Al-Sudani will instruct the Ministry of Finance to release bonuses and promotions for employees and not link them to budget schedules."

He added, "After hosting Finance Minister Taif Sami, the discussion focused on the reasons for the delay in the budget schedules, the liquidity shortage, and employee salaries, bonuses, and promotions," noting that "she emphasized covering basic needs through oil and non-oil revenues."

Al-Kadhimi noted that "the current oil price of $65 a barrel is sufficient to cover monthly salaries, given continued exports and budget allocations." He added that "each of the three-year budgets, estimated at 150 trillion dinars annually, can cover salaries and stalled projects without the need to create new ones."

Regarding non-oil revenues, he explained that "their percentage does not exceed 12% currently," calling for "a gradual plan to raise the percentage to 50% by strengthening collection, taxes, and border crossings with support from political blocs and the government."

Regarding the region's affairs, Al-Kadhimi asserted that "oil and non-oil revenues in Kurdistan amount to 9 trillion dinars annually, but the federal government is not receiving the actual figures and the region is refusing to pay." He added that "the government, out of appreciation for the employees' circumstances, has released a one-month salary allowance despite the region's shortcomings."

He pointed out that "Baghdad paid 700 billion dinars in salaries to the region for the month of June, compared to only 120 trillion dinars paid by the region as an initial attempt to resolve the crisis," adding that "the crisis of trust and credibility was the main reason for the previous funding obstruction."

Regarding the Ceyhan oil pipeline, Al-Kadhimi stated that "Turkey has presented new conditions related to compensation, doubling transit costs, and participation in gas projects and Kurdistan fields." He emphasized "the need for the Iraqi government to move to negotiate during the current year, especially since Iraq possesses strong leverage."

He called for "opening alternative export routes via the Red Sea, Syria, Jordan, and Saudi Arabia as emergency options," stressing his "rejection of a Turkish incursion into Iraqi territory, given that the Kurdistan Workers' Party (PKK) no longer exists." He also warned against "continued violations of sovereignty and the arrival of Turkish forces on the outskirts of Mosul."

Al-Kadhimi concluded by stressing "the importance of leveraging the economic card, particularly the water issue, to pressure Ankara and put an end to its security interventions within Iraqi territory." link

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Mot:  Those Were the Daze My Friend ~~~~~

Mot: Sumthun bout Summer I Guess  

Kill the Dollar, Save the System? The Secret U.S. Gold Reset Plan

Kill the Dollar, Save the System? The Secret U.S. Gold Reset Plan | Schectman & Makori

Miles Franklin Media:  7-22-2025

Michelle Makori, Editor-in-Chief and President of Miles Franklin Media, sits down with Andy Schectman, CEO and Founder of Miles Franklin Precious Metals, in the debut episode of ‘The Real Story’ to explore what could be the most radical monetary reset in U.S. history.

With the U.S. national debt soaring past $37 trillion and global trust in the dollar crumbling, Schectman reveals a covert plan to reintroduce gold into the U.S. financial system in order to save the Treasury – even if it means “sacrificing” the dollar.

Could U.S. government insiders be preparing to reset the system?

Makori breaks down Schectman’s thesis:

How the BRICS nations are building a gold-backed payment system to bypass SWIFT

Why the U.S. may be secretly stockpiling gold under the guise of national security

And how a gold-backed Treasury bond could be launched as early as July 4, 2026

This is the real story of de-dollarization, gold revaluation, and the silent financial war already underway.

Key Takeaways:

The dollar is being deliberately weakened amid exploding debt and soaring interest payments

U.S. insiders may be preparing a gold-based monetary reset to save the Treasury

Gold imports into the U.S. have quietly surged – who’s buying, and why?

China is rolling out a gold-linked yuan settlement system, bypassing the dollar

The BRICS bloc may have been sabotaged by the BIS, but China is advancing alone

Why the beginning of a new financial system could be less than 12 months away

Introduction: First Episode of The Real Story with Michelle Makori

 01:23 The National Debt Crisis

02:40 BRICS Nations and Gold

06:53 BRICS' Gold-Backed Currency Plans

09:02 China's Global Payment System

11:37 The Role of Gold in Global Trade

22:19 The Future of Global Financial Systems

35:49 U.S. Response to Global Financial Shifts

44:11 The Triffin Dilemma and the World Reserve Currency

48:18 Military Action

54:49 Secret Gold Accumulation & National Security

01:00:10 Gold Bonds and Future Economic Plans

01:21:22 Gold Revaluation 01:34:39 The Role of Stablecoins

01:37:47 Gold vs. Bitcoin

https://www.youtube.com/watch?v=D0FMyYLLcCs

Iraq Economic News and Points To Ponder Tuesday Evening 7-22-25

Kurdistan Deposits 120 Billion Dinars Of Its Non-Oil Revenues Into The Federal Finance Account.
 
July 22, 2025   Erbil/Iraq Observer  The Kurdistan Regional Government's Ministry of Finance and Economy announced on Tuesday that  the state treasury's share of non-oil revenues  has been deposited into the federal Ministry of Finance's bank account.  The Kurdistan Region's Ministry of Finance stated in a statement received by Iraq Observer that  "the Kurdistan Region's non-oil revenues for May 2025, amounting to 120 billion dinars, have been deposited in cash into the federal Ministry of Finance's bank account  at the Erbil branch of the Central Bank of Iraq."

Under the agreement signed between the Kurdistan Region and Iraq, the Kurdistan Regional Government is required to   hand over oil to SOMO and  send non-oil revenues to the federal treasury in the amount of 120 billion dinars per month.
 
The Iraqi government then sends salaries.
 
The last time the Kurdistan Regional Government received salary payments from Baghdad was 959 billion and 514 million dinars, which were deposited into the Kurdistan Region's Ministry of Finance's bank account on May 13. https://observeriraq.net/كوردستان-تودع-120-مليار-دينار-من-إيرادات/   

Oil To Baghdad Today: Initial Agreement With Kurdistan To Deliver 230,000 Barrels To SOMO

Today's Economy , 20:29 | 183  Video   Baghdad Today – Baghdad  The Undersecretary of the Ministry of Oil, Bassem Mohammed Khudair, revealed today, Tuesday (July 22, 2025), that  a preliminary agreement had been reached with the Kurdistan Regional Government to deliver 230,000 barrels of oil per day to SOMO, while indicating that the ministry hopes to announce a final agreement soon. said In a statement to Baghdad Today, Khadir , "Technical delegations from the  Ministry of Oil and the  Kurdistan Regional Government  reached a preliminary agreement during recent meetings to deliver 230,000 barrels of oil per day to the National Marketing Organization (SOMO),  in accordance with the provisions of the federal budget law."  

He added, "The talks are progressing positively, and  there is an understanding from both sides of the importance of reaching a  comprehensive and sustainable agreement  that serves Iraq's interests and enhances public oil revenues."    https://baghdadtoday.news/279232-230.html 

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

4 Surprising Things That Could Impact Your Wallet If a Recession Hits

4 Surprising Things That Could Impact Your Wallet If a Recession Hits

June 14, 2025  by  J. Arky  GOBankingRates

The stock market took one of the worst nosedives at the beginning of April as President Trump’s tariffs and plans to reshape the global economy seemed to only drive fear into the market, sending investors fleeing. Now everyone wants to know: is a recession on the way?

It could very well be, with trade wars ramping up and inflation about to reach record levels. However, that doesn’t mean that they are the only factors driving a potential recession. In fact, a few other economic mechanisms are at play that could affect you and your family’s money.

Lower Gas Bills

If you have been feeling the strain of filling up your car’s tank, there might be a bit of a reprieve on the way if a recession does come: gas prices could fall. In fact, prices at the pump usually go down in a recession as lower demand can lower the supply and the cost, according to Marcus Sturdivant Sr., advisor, managing member and chief compliance officer at The ABC Squared². 

“This recession would be on the heels of tariffs and the U.S. publicly endorsing ‘drill baby drill’ as a strategy,” Sturdivant explained. “Flooding the market with gas during an economic slowdown, all things being equal, will make the prices at the pump lower, but the escalating tariffs, trade war and an environment where oil makes money at $70 per barrel versus the $100 per barrel of the past.”

Sturdivant pointed out that even with tariffs, with increased production, there is already a record domestic output, meaning that the price for fuel should come down.

Less Alarming Market News

The stock market can decline during a recession, but that does not necessarily indicate a cause for alarm in the opinion of William Bergmark, personal finance expert and finance editor at Credwise.

TO READ MORE:  https://www.gobankingrates.com/money/economy/surprising-things-that-could-impact-your-wallet-if-a-recession-hits/?hyperlink_type=manual

FRANK26….7-22-25…..THE GAP IS WHITE

KTFA

Tuesday Night Conference Call

FRANK26….7-22-25…..THE GAP IS WHITE

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

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

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

What Frank’s suit color’s mean…. FRANKS SUIT COLORS FOR CC'S..... WHITE = NEW INFO…. SILVER = INTEL FROZEN…. RED= HIGH ALERT… PURPLE=GUEST WITH US…. BLUE = AIR FORCE…. BLACK = GROUND/FF’S…. GREEN= MR OR FAB 4 ... GOLD = CHANGE… ORANGE=IMPLEMENTATION

https://www.youtube.com/watch?v=D3X-bSyU2ko

Missouri Legalized Gold for Taxes | Join the Sound Money Revolution

Missouri Legalized Gold for Taxes | Join the Sound Money Revolution

Lynette Zang:  7-21-2025

Missouri just made history by legalizing gold for tax payments! This is a HUGE win for the sound money movement.

Learn what it means, how other states are following, and how YOU can help push this momentum forward.

Chapters:

00:00:44 – Missouri Passes Best Legal Tender Law

00:01:43 – Partnering with Daniel Diaz on Local Action

00:04:20 – Q&A: Catherine Austin Fitts on Numismatic Coins

00:06:00 – Intrinsic vs Fundamental Value Explained

 00:07:30 – Derivatives & Hidden Risks Since 1998

https://www.youtube.com/watch?v=9SukdptuCyI

Fed Under Fire: $200B in Bank Payouts, Gold Bond Talks, Full Audit Urged | Judy Shelton

Fed Under Fire: $200B in Bank Payouts, Gold Bond Talks, Full Audit Urged | Judy Shelton

Kitco News:  7-22-2025

Judy Shelton, former Trump Fed nominee and author of Good as Gold, joins Jeremy Szafron to discuss the rising calls to audit the Federal Reserve, the $200 billion in interest payments to banks and foreign institutions, and the growing momentum behind gold-backed U.S. Treasury bonds.

Shelton confirms that conversations with Trump administration officials are “constructive” as they consider launching long-term, gold-redeemable debt ahead of America’s 250th anniversary.

In this Kitco News interview, Shelton outlines why the Fed's balance sheet losses, interest-on-reserves framework, and constitutional overreach demand urgent reform.

She also addresses whether she would accept the role of Fed Chair in 2026.

Key topics:

 -$200B in Fed interest payouts — and who’s really benefiting

 -Why Shelton calls the Fed’s system “perverse”

-Structural audit bill gaining traction in Congress

-Gold-backed Treasuries: how it could work, and who’s behind it

 -Trump administration’s internal debates on Fed reform

 -Shelton’s 2026 Fed Chair potential: would she accept

Introduction

00:32 Judy Shelton's Perspective on Fed Policies

 01:13 The 2008 Financial Crisis and Fed's Response

03:47 Current Issues with Fed's Interest Payments

06:30 Congressional Oversight and Fed Accountability

09:38 Calls for Fed Reform and Leadership Changes

15:53 Gold and Sound Money Movement

18:36 Proposal for Gold-Backed Treasury Bonds

36:28 Conclusion

https://www.youtube.com/watch?v=U0iEFqK0pnM

Iraq Economic News and Points To Ponder Tuesday Afternoon 7-22-25

It Didn't Bring Anything New," An Economist Comments On The IMF's Report On Inflation Stability In Iraq.
 
July 21, 2025  Baghdad/Iraq Observer  Economic and financial expert and consultant Dr. Ahmed Al-Husseini commented on the latest International Monetary Fund report, stressing that it offered nothing new. Despite Iraq's control over inflation levels through its monetary policy, inflation has had a different impact on the lives and livelihoods of ordinary citizens, who suffer from high prices for both basic commodities and services. 

Al-Husseini told the Iraq Observer, "The IMF report did not provide anything new. For several years , Iraq has been controlling inflation, with it never exceeding 4% even in the worst of circumstances.

This is due to the monetary policy Iraq adopted, which was a balanced policy that combined control of  the banking system on the one hand and control of the required reserve ratio on the other."
 
Regarding the US sanctions, Al-Husseini explained that "these sanctions, imposed on a group of Iraqi banks, which, from the US Treasury's perspective,  had some violations in their monetary policies,  contributed, in one way or another, to reducing the level of inflation by controlling  credit levels,  money laundering, and other banking operations  carried out by these banks." 

He added, "Iraq has also controlled inflation through its control of the money supply, in addition to the  regulations and laws in force at banks. The Central Bank's actions, in turn, were calculated by its entry into the open market, as it knows  when to buy or sell bonds, as well as the discount rates on banknotes, in order to  control and manage inflation in the country."
 
“Although inflation levels are stable, the reality of inflation is clearly reflected on the average citizen through the impact on his real wage and on the consumption level for those with limited incomes.
 
Nominal wages are still not in line with inflation rates.
 
This is clear, as a large segment of citizens are complaining about the high prices and cost of living,
especially for basic commodities, not luxury items such as  food, medicine,  building materials and  clothing.
 
Even at the level of services such as   transportation,  health, education and other sectors, 
there is a noticeable rise in the level of prices,” he continued.
 
The economic and financial expert and consultant expressed his hope that "Iraq will adopt the new monetary policies currently in place in many countries around the world, which several countries, such as the Gulf states and Turkey, have begun implementing, based on  financing small projects and  clean energy projects."
 
The IMF promised Iraq is a country that has been successful in maintaining its internal stability despite regional tensions. It noted that Iraq's inflation rate has remained low, emphasizing the  need to implement fundamental reforms to  increase non-oil revenues and  control the public wage bill. It also called for a review of current and investment spending plans for 2025.      
https://observeriraq.net/لم-يأتِ-بجديد-معني-بألشأن-الاقتصادي-يع/  

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Digital banks in Iraq: the birth of a new financial era 
 
Economic 07/21/2025   Dr. Nabil Rahim Al-Abbadi    In conjunction with the Central Bank of Iraq's efforts to  enhance financial inclusion and  modernize the banking system,   a strategic initiative was launched.
 
This initiative includes  developing an instant payments project and  issuing local cards, in addition to  issuing regulations for licensing digital banks in Iraq.
 
This step comes as part of a comprehensive plan aimed at integrating modern technological concepts into the financial sector, taking into account the  technical requirements of the information infrastructure and the  cybersecurity risks that accompany this transformation.
 
The issued report highlights the mechanisms for establishing digital banks in Iraq and explains how to implement this initiative  in accordance with the regulations of the Central Bank of Iraq, in integration with local payment systems and global fintech standards, while adhering to environmental and social governance practices that have become  essential in the world of modern finance.
 
The proposed digital bank model focuses on providing financial services electronically,  without the need for traditional branches.
 
This includes payment services via apps, digital wallets,  transfers, loans, and more, targeting segments of society that are underserved by banking services, including   individuals,  small and medium-sized enterprises, and  rural communities.
 
In terms of objectives,The initiative seeks to  expand financial inclusion, reduce reliance on cash, which accounts for more than 90 percent of transactions, and   enhance the resilience of the local economy by supporting small and emerging businesses.
 
It also aims to strengthen adherence to security standards and combat financial crime.
 
The Central Bank's strategic plan for the period 2014-2026 also focuses on  modernizing the financial sector, expanding the bank account base, which does not exceed 30 percent of the population, and developing electronic payment systems.
 
This will contribute to achieving financial stability and attracting foreign investment  by aligning regulations with international standards.
 
Partnerships with international institutions such as the World Bank, the  United Nations Development Programme, and the International Finance Corporation  are pivotal to the success of this vision.

At the same time, regulations adopted in 2024 require  strict adherence to cybersecurity and data protection standards, along with building a robust technical infrastructure and  implementing effective anti-money laundering systems.

Challenges facing the sector include weak trust in digital transactions, regulatory complexity,  financial exclusion affecting more than half of the population, and the risks of cyberattacks due to weak digital infrastructure.
 
Despite these challenges, there are significant opportunities for growth. The Iraqi market is home to more than 45 million people, and there is widespread smartphone and internet penetration.

Furthermore, the government is keen to support technology projects in cooperation with global financial institutions, which paves the way for the growth of small and medium-sized enterprises and the  transition to a modern financial culture.
 
Digital payments market analysis reveals advanced demographic indicators, with the number of internet users reaching 35 million,  mobile phones reaching 47 million, and the number of digital payment users expected to reach 25 million by 2027, although the adoption rate of these methods remains low compared to the region.
 
The digital bank's initial capital has been set at 100 billion Iraqi dinars, to be distributed over five years.
 
Foreign investment may not exceed 49 percent, subject to the approval of the Central Bank.
 
Furthermore, foreign o ownership in digital banking projects may not exceed 56 percent per investor, with the possibility of a slight increase if approved by regulatory authorities.
 
This is intended to ensure financial stability and strengthen the operational structure.
 
An important aspect is environmental, social, and governance (ESG) practices,
which include adherence to the sustainable finance roadmap, promoting social inclusion, implementing transparent governance structures, and effective risk management.
 
Establishing a digital bank in Iraq is not only a response to global trends,
but also a strategic opportunity to support the national economy and provide modern banking services to a broad segment of citizens.
 
This requires strict adherence to legislation, a flexible operational approach, and the political and economic will to keep pace with the global digital transformation.    https://alsabaah.iq/117734-.html    

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