FRANK26….9-13-25…..TURNING POINT

KTFA

Saturday Night Video

FRANK26….9-13-25…..TURNING POINT

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#

https://www.youtube.com/watch?v=DreKuz4LtpI

We’re Headed to Monetary Panic

We’re Headed to Monetary Panic

Liberty and Finance:  9-12-2025

In an era defined by digital transactions and complex financial instruments, it’s easy to lose sight of what truly constitutes “money.”

A recent compelling discussion with Phil Low on Liberty and Finance cuts through the noise, offering a stark yet insightful perspective on fundamental economic concepts, the critical role of precious metals, and the inevitable future of finance.

Low’s central premise challenges our modern assumptions: the true nature of money isn’t determined by technology, but by trust. While our digital world thrives on speed and convenience, Low argues that technology merely streamlines the transfer of credit.

And credit, fundamentally, is a promise rooted in trust. When that trust erodes, so does the credit system.

This erosion of trust isn’t a hypothetical. Low points to a recurring historical pattern: dishonest credit systems are inherently unstable and destined to collapse.

 When this happens, a “monetary panic” ensues. People, sensing the instability of their digital or paper promises, rush to convert their credit into physical, tangible money – historically, gold and silver. It’s a flight to safety, where only unencumbered, physical assets are truly trusted.

But here’s where Low offers a refreshing counter-narrative to common doomsday predictions. He asserts that the collapse of a credit system does not equate to societal collapse. Instead, it leads to a restructuring.

 In this new landscape, individuals who hold physical money – the “stackers” of gold and silver – become integral “nodes of civilization.” They possess true liquidity, enabling the revival of honest trade based on real, physical money. Low even illustrates how essential services, like power and coal supply, would organically resume through informal credit, naturally backed by physical gold. It’s a vision of resilience, not ruin.

Low also delves into the foundational economic philosophies shaping our world. He sharply dismisses traditional Keynesian macroeconomics as “junk science,” arguing it promotes heavy-handed government intervention and artificial market manipulation.

In stark contrast, he champions the Austrian School of Economics, which prioritizes free markets, individual liberty, and a positivist approach. This means observing and respecting natural market processes without interference, rather than attempting to prescribe what “should” be done (normative economics). For Low, the market will always find its equilibrium if left alone.

Perhaps the most chilling warning from Phil Low is his discussion of “The Great Taking.” This refers to a potential legal and financial event where modern financial instruments—our brokerage accounts, 401ks, and other digital assets—could be subject to confiscation or centralized control.

It’s a stark reminder of the tenuous nature of wealth held solely in digital or paper form within the existing financial architecture.

So, what’s an individual to do? Low’s advice is clear and unequivocal: prioritize physical metal ownership. Holding tangible gold and silver is paramount. Only after securing physical holdings should one consider investing in precious metals mining mutual funds, and crucially, outside of typical brokerage systems, potentially as a way to diversify a portion of one’s wealth.

Phil Low’s insights offer a powerful lens through which to view our financial future. His message isn’t one of despair, but of preparedness and understanding the fundamental truths about money and trust. As the global financial landscape continues to evolve, or perhaps, unwind, understanding these dynamics becomes not just prudent, but essential for safeguarding your financial well-being.

https://youtu.be/qqk4qTaILJo

It’s Not an Everything Bubble, it’s a Dollar Collapse

It’s Not an Everything Bubble, it’s a Dollar Collapse

Heresy Financial:  9-12-2025

Feeling like your wallet just isn’t stretching as far as it used to? Look around: from the glittering price of gold and the soaring heights of Bitcoin, to the seemingly unstoppable ascent of stocks, real estate, and yes, even your weekly grocery bill – everything seems to be at or near all-time highs.

 The narrative of an “everything bubble” is pervasive, leaving many to wonder when, not if, the whole system will come crashing down.

But what if we’ve been looking at it all wrong? What if it’s not actually an “everything bubble” at all?

A recent video from Heresy Financial offers a compelling, almost unsettling, alternative perspective: the widespread surge in prices isn’t primarily due to individual assets being overvalued, but rather a reflection of the declining purchasing power of the U.S. dollar itself.

Imagine the dollar as the universal measuring stick for value. If that stick itself is getting shorter, everything you measure with it will appear longer or larger in dollar terms. That’s the core argument.

When inflation or price increases seem to be universal, comparing assets to one another becomes misleading. The critical question shifts from “Is this asset overvalued?” to “Compared to what?”

You might point to the U.S. Dollar Index (DXY), which measures the dollar’s strength against a basket of other major currencies, and note its relative stability.

 Heresy Financial explains that this stability is deceptive. It merely indicates that other fiat currencies are also losing value at similar rates globally. The DXY masks the pervasive, real inflation occurring in dollar terms.

This phenomenon isn’t new. Economist Ludwig von Mises described something eerily similar: the “crackup boom.” This occurs when people expect continuous money supply growth and rising prices. What happens then? They rush to convert their increasingly devaluing cash into real goods and assets to preserve their purchasing power.

This perfectly explains why we’re seeing both investment assets like stocks and cryptocurrencies and essential living costs like rent, food, utilities, education, and healthcare all skyrocketing simultaneously. It’s not a coincidence; it’s a behavioral response to a weakening currency.

So, how do we truly assess value if our primary currency is an unreliable ruler? The video suggests looking at a more stable, historical benchmark: gold. Unlike the dollar, gold has maintained a relatively stable purchasing power over centuries.

This perspective challenges the conventional wisdom and suggests that perhaps the issue isn’t that everything is too expensive, but that our dollars are simply buying less.

What fuels this continuous decline in the dollar’s value? Heresy Financial points directly to the U.S. money supply (M2). Following an explosive increase during the 2020-2021 period, the money supply has now reached new all-time highs and is growing at a stable but elevated rate. Lower interest rates further encourage borrowing and spending, which in turn expands the money supply and drives inflation.

Given these dynamics, a sudden, dramatic collapse of the dollar or a bursting of a universal bubble in isolation is unlikely without extreme economic upheaval. Instead, what we are witnessing is a consistent, persistent erosion of the dollar’s purchasing power – a quiet but profound transformation of our economic landscape.

The conclusion is clear: the real issue isn’t that everything is individually overvalued, but that the value of our money is steadily diminishing. In such an environment, the best defense is diversification across multiple asset classes. Holding all your wealth purely in cash becomes a losing proposition over time.

Understanding this fundamental shift in how we perceive value is crucial for navigating today’s complex economy.

TIMECODES

00:00 Is Everything in a Bubble?

00:16 The Real Problem: Your Measuring Stick

00:24 Gold, Silver & Bitcoin at All-Time Highs

01:17 Stocks & Real Estate Near Records Too

02:00 Cost of Living at Record Highs

02:50 What Past Bubbles Looked Like

03:50 The Key Question: Compared to What?

04:29 The Dollar vs Other Currencies

05:25 Mises & the Crack-Up Boom Explained

06:47 Why Assets Keep Rising in Dollars

07:20 Pricing Assets in Gold (A Better Measure)

08:27 Charts: S&P, Nasdaq, Dow & Russell in Gold

09:46 Tuition, Energy & Housing Priced in Gold

10:47 The Dollar’s Future & Money Supply Growth

12:07 Why This Isn’t a Bubble About to Pop

13:18 How to Protect Yourself From Dollar Decline

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

Iraq Economic News and Points To Ponder Saturday Afternoon 9-13-25

Congressional Resolution Ushers In A New Era And Prevents Any Military Intervention In Iraq.

September 12, 2025  Baghdad - Qusay Munther  The US Congress' decision to revoke the 1991 and 2002 war authorizations for Iraq was widely welcomed in Baghdad as a step that reinforces the principle of sovereignty and heralds a new phase in Iraqi-American relations based on mutual respect and shared interests.

“The decision to revoke the authorization for war on Iraq is that the US Congress voted to repeal the old laws that had granted US Presidents George H.W. Bush in 1991 and George W. Bush in 2002 broad powers to wage war on Iraq without having to return to Congress every time,” legal expert Ali Al-Tamimi said in a statement yesterday.

He stressed that “the authorizations were of two basic types: the first was the 1991 authorization to launch the Gulf War to liberate Kuwait, and the second was the 2002 authorization to wage war on Iraq and topple the regime.”

He pointed out that “the decision to revoke came because Iraq was no longer under the rule of the former regime, and there were no longer legal justifications for the authorization to remain, and in order to prevent any future US president from exploiting this law to launch military operations in Iraq or the region without the approval of Congress.

” He explained that “this is also a symbolic step to improve relations with Iraq and to show that the United States is no longer at war with it.”

He went on to say that “the decision means revoking the old powers of the US president to use military force against Iraq and maintaining any operations.” Current agreements, such as military cooperation against ISIS, are under new agreements or with different approvals, and not based on the old laws of war.

The Foreign Ministry previously emphasized that the cancellation of the war authorizations represents a step towards strengthening the partnership with Washington. In a statement yesterday, it said, "Baghdad welcomes the decision, which represents a step towards strengthening the partnership and establishing the principle of respect for sovereignty.

It also reflects the development of relations with the United States." The Iraqi Embassy in Washington confirmed in a statement yesterday, “We welcome the US House of Representatives’ vote to repeal the 1991 and 2002 war authorizations.”

The statement added, “This step represents a reinforcement of the principle of sovereignty and opens a new page in the path of Iraqi-American relations based on mutual respect and common interests. We look forward to its approval soon by the Senate.

” It stressed that “Iraq views with appreciation this historic step that contributes to strengthening our country’s image as a responsible partner state.” It reiterated “the commitment to continue working with the United States to support regional stability and international cooperation, and Iraq looks forward to final approval in the Senate.”

The statement noted that “this decision is an important milestone in the development of our relations with our friends in the United States of America, and a clear message to international public opinion that Iraq is today a partner in peace and an effective voice in issues of development and shared prosperity.”

It expressed “Iraq’s hope that the Senate will translate this message into a tangible reality by approving it.”For his part, Hussein Al-Ameri, a member of the Parliamentary Security and Defense Committee, said in a statement yesterday that “the recent US Senate vote to end the authorization for the war on Iraq that was granted to the US President is a good initiative.”

He added that “Prime Minister Mohammed Shia Al-Sudani’s approach is different from others in dealing with foreign relations, especially with the United States of America, as Al-Sudani’s policy is characterized by transparency, and through this US legislative step, a new page can be opened with the international coalition forces to train Iraqi forces and also to arm the army.”

He stressed that “this step will lead to security and stability for Iraq in light of the war that has no known end between Russia and Ukraine, especially since stability in our region serves all parties and serves Iraq directly.

” He pointed out that “negotiation and transparency in dealing with the American side leads to stability in the region, and we in Iraq hope that there will be no disagreements or differences between neighboring countries because this affects the stability of the political, economic and security situations in the country.” LINK

Iraq intends to build an oil pipeline from Basra to the Sultanate of Oman

economy | 12/09/2025  Mawazine News - Baghdad – The State Oil Marketing Organization (SOMO) confirmed on Friday that the signing of memoranda of understanding with the Sultanate of Oman stems from its strategic importance in marketing Iraqi oil, while indicating that there is discussion regarding the construction of a complete pipeline from Basra to Oman.

According to the official agency, the company's general manager, Ali Nizar Al-Shatri, said, "The signing of memoranda with the Sultanate of Oman stems from its strategic location for Iraqi crude oil and petroleum products. Oman has an outlet on the Arabian Sea and another on the Arabian Gulf at its beginning, before the Strait of Hormuz.

The result is that its presence will be closer to our crude oil customers, as most of our exports head to Asia. Therefore, Asian customers will be able to load crude oil from those locations instead of taking the long route."

He added, "There are also technical issues. The more open the waters are, the less the impact of bad weather. Meanwhile, our ports in Basra suffer from bad weather, which forces us to halt exports. Therefore, going to Oman means going to an open region, and exports from it are more stable and committed to our customers, while reducing the chances of disruption."

He pointed out that "discussions are open regarding the construction of a complete pipeline from Basra to Amman, which would achieve multiple outlets and increase export capacity, and would give Iraq the potential referred to by the Prime Minister regarding increasing quotas and production ceilings. This can only be achieved with the presence of local export and consumption capacity.

This was noted in the Prime Minister's speech regarding increasing investments in the field of refining, which is important, while export capacity depends on available export outlets."

He continued, "Oman will play a major role in this field if the pipeline and tanks, upon which the memoranda of understanding were signed, are completed, as well as the commercial process, which is not without marketing aspects.

The result is that when oil is stored in Amman, there is a cost that was incurred, and this cost must be recovered. Iraq needs additional profits to recover the costs, and this can only be achieved through commercial integration."

Al-Shatri explained: "This is why another memorandum of understanding was signed for trade integration between Iraq and the Sultanate of Oman, between the State Oil Marketing Organization (SOMO) and OQ Trading Company, an Omani government company that has proven itself globally and internationally.

We are currently in the process of discussing the details of the contracts, because the memoranda of understanding set the general roadmap, but we need the details of the contracts to complete them."  https://www.mawazin.net/Details.aspx?jimare=266633

Amid Fluctuating Global Oil Prices, Basra Crude Exceeds $65.

Economy | 12/09/2025  Mawazine News - Baghdad -  Iraqi oil prices recorded a slight increase during daily trading on Friday in the global market.
According to data, Basra Medium crude rose to $65.50 per barrel, while Basra Heavy crude recorded $68.60 per barrel, with a change rate of +0.46 for both.
Regarding global oil prices, British Brent crude recorded $65.90 per barrel, while US West Texas Intermediate crude recorded $65.93 per barrel, with a change rate of -0.47 and -0.44, respectively. https://www.mawazin.net/Details.aspx?jimare=266629

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

Seeds of Wisdom RV and Economic Updates Saturday Afternoon 9-13-25

Good Afternoon Dinar Recaps,

China Invests $10B in South Africa, Launching BRICS “Silicon Valley”

Beijing’s investment aims to transform South Africa into a continental hub for technology, trade, and digital growth.

Infrastructure Investment Transforms South Africa
China has committed $10 billion to South Africa’s economy, with a focus on ports, trade, and innovation. The initiative represents one of BRICS’ most ambitious projects to date—building Africa’s largest “Silicon Valley.”

Advanced port facilities and logistics infrastructure will anchor the investment.

• Thousands of jobs are expected to be created.

• New BRICS trade corridors will be established, linking Africa more closely to global markets.

Chinese state-owned enterprises will lead construction of the port and logistics facilities, positioning South Africa as a future gateway for BRICS trade expansion.

BRICS Silicon Valley Takes Shape
The planned BRICS “Silicon Valley” will serve as Africa’s central technology hub. The project includes research centers, startup incubators, and innovation labs aimed at fostering entrepreneurship and attracting international tech companies.

Chinese firms are preparing to open R&D centers in South Africa, with workforce training and technology transfer programs built into the investment package. The initiative is designed to:

• Support young African entrepreneurs.

• Provide access to advanced technology.

• Connect African startups with international markets.

Regional Trade Integration Accelerates
China’s South Africa investment is part of a broader BRICS trade strategy. Recent projects include:

• A $50 billion railway investment in Brazil linking the Pacific and Atlantic.

• Infrastructure upgrades to reduce logistics costs across BRICS trade routes.

• Sustainability initiatives that cut shipping times and lower emissions.

By enhancing port capacity in South Africa and rail connectivity in Brazil, China is creating integrated trade corridors that reinforce BRICS economic ties. Analysts estimate the South African initiative alone could boost national GDP by 2.3% during implementation.

Local Employment and Community Benefits
China has pledged that 70% of operational jobs in the BRICS Silicon Valley project will go to local hires. The development also includes skills training and workforce development, ensuring that South African communities benefit directly from the influx of capital and technology.

Why This Matters
The $10 billion BRICS Silicon Valley investment reflects a long-term strategic effort by China to expand influence in Africa while deepening economic integration within BRICS. For South Africa, it promises to accelerate digital growth, expand trade opportunities, and cement its role as a gateway for global innovation.

@ Newshounds News™
Source: Watcher Guru

~~~~~~~~~

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Latest RV Updates, September 12th, 2025: Jon Dowling

Latest RV Updates, September 12th, 2025

Jon Dowling:   9-12-2025

In a world accelerating at breakneck speed, staying informed isn’t just wise – it’s essential. This week, Jon Dowling’s RV Report, dated Friday, September 12th, 2025, dropped a comprehensive update, dissecting the intricate web of geopolitical tensions, financial shifts, and market movements that are shaping our collective future.

Before we dive into the fascinating details, a vital reminder from Jon himself: this report is for informational purposes only and not financial advice. Your discernment is your most valuable asset in navigating these complex waters.

One of the most intriguing developments comes from Iraq, where efforts to digitalize its Dinar currency are intensifying. This move is a strategic precursor to the highly anticipated ISO 20022 global announcement, slated for November 22nd, 2025. The world watches as this ancient nation embraces a new financial era.

But as financial systems evolve, geopolitical tensions simmer.

The report highlights escalating concerns in the Middle East, with Israel reportedly preparing for a potential coordinated strike on Iran’s underground nuclear facilities. References to former President Trump’s actions earlier this summer add another layer of complexity to an already volatile region. The implications of such a conflict would undoubtedly ripple across the globe.

Shifting gears to the economic landscape, all eyes are on the Federal Reserve. Anticipation builds for a probable interest rate cut, expected to be between a quarter and half a basis point. However, bond yields and the S&P 500 are flashing signals of potential instability.

The S&P is edging towards the critical 7,000 mark, which some experts foresee as a precursor to a significant market bust. Prudence and preparedness are key.

For those with an eye on the digital frontier, cryptocurrency continues its fascinating trajectory. Fidelity’s optimistic forecast points to a robust Bitcoin bull run following the Fed’s rate decision, potentially stretching into early 2026.

 Moreover, the audacious long-term projection of Bitcoin reaching $1 billion by 2035 is noted, a figure that sparks both incredulity and excitement. Jon wisely cautions: smart investors know when to take profits.

Meanwhile, traditional safe havens are shining. Silver is reaching new highs, a testament to strong demand and its impressive resilience against short-selling pressures. Gold continues its steady upward ascent, reinforcing its role as a reliable store of value. Oil prices saw a slight decrease, and while the U.S. dollar index is moving favorably, Jon suggests more decline is needed for broader market equilibrium.

Jon Dowling closes his report with a powerful message of resilience and optimism. In times of rapid change and uncertainty, his encouragement to stay positive, focused, and discerning resonates deeply. Drawing from personal experiences and emphasizing the collective strength needed, he reminds us that these are indeed challenging times, but by staying informed and applying wisdom, we can navigate them effectively.

https://youtu.be/zFHU7A-wCew

Weekend Coffee with MarkZ. 09/13/2025

PDK REMINDER :  If you are wondering why no notes the last few day…..I only transcribe RV/Financial news and intel. Not political opinions or most guests on this podcast.    If a podcast is mostly political with little to no RV related news …I may not do notes at all. Thank you

Weekend Coffee with MarkZ. 09/13/2025

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

MZ:  The weekend has arrived; we spend the first 45 minutes cutting up with Matt and Lucas at CBD Guru’s …then the news.

Member: Good Morning everyone....is this the weekend for the RV???

MZ: I have some group people that think it is….wish I knew for certain. The news was really eerily quiet this week.

Member: The silence is quietist when you are over the target.

Member: Frank26 said the white papers for the Reforms arrived at the CBI?

MZ: I have heard the same thing. That when they finish the reforms….they will change the value.

MZ: I had two bond contacts. (one is mine directly) that said their meetings went extremely well and next week is going to be fantastic. The other said they are anticipating getting paid next week.

Member: Hoping the rumored rate of $5.98 is accurate

MZ: I hope you are right

Member: Mark- Bara rumors yesterday: The IQD does not need to revalue. It has already revalued. The rate has now been publicly exposed at $5.96. I knew this rate a month ago? It has completely revalued across the board

Member: If Iraq not the reason for the RV; Chinese not the action for the RV so the question ….WHAT exactly decided the switch for the TV and WHO authorizes it?

MZ: Iraq is reviving old wells and old fields to increase output.  “ To strengthen its stockpile Iraq revives oil well that has been absent for 3 decades”  I think they know something that we don’t.

MZ: “ Al-Sudani : The volume of investment has reached $100 Billion over the last 2 years”  there is so many good things going on . Every time we turn around More investments in Iraq.

MZ: “ New law on income taxes and accounting for oil companies in Iraq” In other words….better procedures.

Member: MM did a live last night I got in On tail end of it. But it was so good. I believe he believes we are so darn close

Member: I see so many headlines about the currency reset it is nearly impossible to tell which ones are true.

Member: Many Main stream economists are even talking  about it.

Member: any news on Prosperity Packages?

MZ: I was hoping for good sold news on PP’s this weekend. We were told they were updating …and then the news dried up.

Member: How long will we have to exchange our currency after the RV?

MZ: I believe 3 months. So I believe 90 days.

Member: what is your “git feeling” about when we will see RV?

MZ: I still feel September is still doable.

 Member: Rumor is Forex is down for maintenance?

Member: it's funny forex is on upgrade from the September 13, 2025 to September 14, 2025, we will be performing planned system upgrades to enhance your trading experience.

Member: My credit union closed till Monday for system upgrades

Member: Praying everyone has a happy and blessed weekend. Stay safe.

Member:  Well, Mark, maybe Monday will bring us big blessings to help heal this world a little at a time. Have a great weekend, ya’ll… and pray for peace and miracles

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

https://rumble.com/user/theoriginalmarkz

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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.

THANK YOU ALL FOR JOINING. HAVE A BLESSED WEEKEND! SEE YOU ALL MONDAY MORNING FOR COFFEE @ 10:00 AM EST ~ UNLESS BREAKING NEWS HAPPENS!

FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:  https://www.youtube.com/watch?v=xea8Iy-zatI   

News, Rumors and Opinions Saturday 9-13-2025

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 Sat. 13 September 2025

Compiled Sat. 13 September 2025 12:01 am EST by Judy Byington

Summary:

The “Restored Republic via a GCR” narrative continues to unfold with breathtaking speed, bringing us closer to a world defined by financial freedom and sovereign prosperity.

The air is thick with anticipation, and the long-awaited Global Currency Reset (GCR) and the launch of NESARA/GESARA are now visibly in motion.

On January 1, 2026, the fiat Federal US Dollar will (allegedly) officially be obsolete, replaced by the gold/asset-backed US Treasury Note.

The long wait, the unwavering belief, the ridicule endured – it’s all leading to this moment. September 8, 2025, was not just a date; it was the day the balance of power began to shift back to the people. And as we stand on September 13, 2025, the promise of a truly Restored Republic is no longer a whisper, but a resounding reality.

Stay informed, stay vigilant, and prepare for a future unlike anything we’ve ever known.

Thurs. 11 Sept. 2025 Bruce The Big Call:

We have four confirmations that on Sat. 6 Sept. 2025 the new Dinar Rate (between $3.91 to mid $4.00) made it into the printed version of the Iraqi Gazette, making RV of the Dinar official.

The ZIM, Rupiah, and all other currencies have also revalued.

We are supposed to have the Dinar on the Forex front screens over the weekend.

A source said that Tier4b (us, the Internet Group) could possibly get notified over weekend to set exchange/redemption appointments.

Another source said we would notified and start our exchange appointments early next week, like on Mon. 15 Sept.

Mon. 15 Sept. is when new UN Operational rates are posted and go into effect.

The EBS announcements could last up to five days.

~~~~~~~~~~~~

Fri. 12 Sept. 2025 TNT:

Tony says the next basket will be ready by January. And there will be a third basket.

IMF says everyone is expecting to see this in the morning. He should get a call in the morning. Will be public Monday or Tuesday. They want to get us in starting tomorrow.

Iraq announced in the mosques that the new denoms will be coming out tomorrow and everyone will see Iraq as the strongest country in the region. The people laughed! They just don’t believe any more. But they were told this today.

Tony’s Iraq contractor confirmed the message in the mosque but says people don’t trust it.

None of the banks have told Tony they are scheduled to work this weekend. But that could be done in the morning. Tony has contacted high-level people for more information.

The (international) rate has come out at $5.96 for the IQD. Ray says the rate for Venezuela is still $.30 as far as he knows.

Read full post Here:  https://dinarchronicles.com/2025/09/13/restored-republic-via-a-gcr-update-as-of-september-13-2025/

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

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

Frank26   [Iraq boots-on-the-ground report]   FIREFLY:  This is on TV, the House of US Representatives just voted overwhelmingly to repeal the authorizations for the use of military force related to Iraq…The House passed the bill…with unusual support…17 Democrats joined the Republican majority…  FRANK:  That is very good to hear…I want to point out something…Democrats do not side with Republicans here in America…IMO these 17 Democrats probably have dinars.

Militia Man   If you were to do a re-denomination, you’re going to need a revaluation first…  I believe Iraq is going to do a revelation, dropping the three zeros and then they’re going to re-denominate [with] lower denominations.  And they’re going to apply a real effective exchange rate to that.

Frank26   [Iraq boots-on-the-ground report]   FRANK:
Every day they tell them something about the monetary reform, about their banking system, about their currency, about their exchange rate, their cards, their accounts.  Every day.  Today they add on to it saying… FIREFLY:  They announce we can use the Iraqi dinar currency right now for P2P transactions. Something must have happened that we don’t understand… This is from the Middle East and all the way up to North Africa.  This is also used for PayPal, Venmo, Cash App etc.  Our currency can leave our borders very freely.  There are no restrictions…Our currency is about to add value because people will be using our currency.  FRANK:  Yeah! 

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

“Gold Price Will Be $5-10,000 Before Most React To US Debt” | Mike Maloney & Alan Hibbard

9-12-2025

In this episode of the Gold Silver Show, Mike Maloney and Alan Hibbard take us on a jaw-dropping journey through the U.S. national debt—currently north of $37 trillion and climbing by the second.

Brace yourself for stats that defy comprehension:

• You’d need nearly two years of work—without spending a dime—to clear your share of the debt.

 • Back in 1835, your share was less than a penny.

• Add unfunded liabilities, and that “share” could swell to a million dollars—per person.

• The only plausible “solution”? Inflate your way out of it. Gold and silver aren’t a “nice choice”—they’re sanity insurance.

If the soaring national debt keeps you up at night, this episode isn’t optional—it’s essential. Tune in, rethink everything, and ask yourself: “Am I going to wait—and pay more later—or hedge now?”

https://www.youtube.com/watch?v=SL6OZ7z_AKQ

Iraq Economic News and Points To Ponder Saturday Morning 9-11-25

An Economic Expert Told NINA: The Deterioration Of The International Security Situation Will Negatively Impact The Global Economy In General And The Iraqi Economy In Particular.
 
Friday, September 12, 2025 | Economic    Number of readings: 419   Baghdad/ NINA /  Economic expert Raad Twaij affirmed that the deterioration of the international security situation will negatively impact the global economy and contribute to the militarization of the global economy and a  decline in global growth rates,  which will impact the Iraqi economy, which relies primarily on  global demand for oil and freedom of transportation.

“The global situation is heading towards polarization,  whether as a result of the situation in Europe and the Ukrainian-Russian conflict ,  reaching the situation in the Middle East and the Arab-Zionist conflict and the  brutal attacks of this entity on the region as a whole, in addition to the  controversy represented by the imposition of escalating customs tariffs, and  its contribution to a new global division between the North and the South,  at the top of which is China with the United States of America,”
 
Tawij said in a statement to the Iraqi National News Agency (NINA).  He pointed out that these conditions will contribute to the   militarization of the global economy and a  decline in global growth rates,   which will have an impact on the Iraqi economy,  which relies primarily on global demand for oil and freedom of transportation, in addition to   allocating a high percentage of resources to  defense issues and the   militarization of the Iraqi economy.   

He continued, "We must accelerate  economic development,  self-reliance,  and reduce economic rentierism and  unnecessary imports   to reduce the economy's dependence on the global  economy."    https://ninanews.com/Website/News/Details?key=1251440  

The Islamic Banks Association Affirms Its Full Support For The Banking Reform Plan.
 
 Baghdad - INA The Iraqi Association of Islamic Banks affirmed its full support for the banking reform plan on Thursday.
 
In a statement received by the Iraqi News Agency (INA), the association stated, "The Iraqi Association of Islamic Banks affirms its full support for the comprehensive banking reform plan launched by the  government in cooperation with the Central Bank of Iraq.

" It explained, "We firmly believe that this plan represents a pivotal and necessary step to enhance the stability of the banking sector in the country and  ensure its sustainable growth, in a way that serves the supreme interests of the national economy." 

She added, "This reform initiative aims to   enhance transparency,  combat financial corruption, and  modernize legal and regulatory frameworks  to align with global best practices."  

She emphasized that "Islamic banks require members of the association to provide a sustainable and  ethical financial model," affirming that she is "fully prepared to work alongside the  Central Bank of Iraq and  relevant authorities to achieve the goals of this reform plan." 

The association continued, "We will continue our effective contribution by  promoting financial inclusion, supporting economic development, and fully adhering to the instructions and regulations issued by the Central Bank, which will strengthen  financial governance and  oversight.
 
We are confident that these joint efforts will pave the way for a  prosperous and  stable financial future."    https://ina.iq/ar/economie/243142-.html   

Banking Reform Enters A Decisive Phase: The Central Bank And Banks Are In A Race Against Time - Urgent
 
Baghdad Today - Baghdad   The Iraqi banking sector is going through a critical phase, where economic and financial considerations intersect with the demands of structural reform that have been postponed for years.
 
After decades of challenges, and  amid international and local pressure to improve the efficiency of the financial system, the  reform paper launched by the Central Bank    in coordination with an international consulting firm emerged as an attempt to  rebuild trust and  establish more robust rules for banking operations.
 
The importance of this issue goes beyond the financial dimension; it extends to the broader institutional context  related to the state's ability to  formulate economic stability tools and   meet transparency requirements, which in turn are  linked to the confidence ofinvestors and international donors.
 
In this context, economic expert Ahmed Abdul Rabbo, speaking to Baghdad Today,  predicted that "the   end of September   will be the deadline for private banks to sign the final amendments to the reform paper  submitted by the Central Bank of Iraq  in coordination with  Oliver and  Iman."
 
This timing reflects the Central Bank's  awareness of the country's need to  end the period of hesitation and   embark on a clearly defined reform path.
 
According to institutional estimates,  setting a timetable for signing aims to   overcome the procrastination that accompanied the first rounds of dialogue with private banks and   transform reform from a theoretical idea into a practical commitment.
 
Adjustments In Response To Market Pressures  
 
Recent developments indicate that the reform was not imposed unilaterally,    but rather came after a series of technical discussions with banks.  

Abdul Rabbo explained that "the Central Bank  has made extensive amendments to the banking reform paper   over the past weeks   in response to the comments submitted by the banks, noting that it   was keen to open an extensive dialogue with Iraqi banks  to clarify the technical aspects of the reform paper."
 
This clarification reveals a collaborative process  that balances   reform requirements with  market pressures.

According to economic estimates, the  central bank's understanding of banks' comments   reflects its awareness that  implementing strict measures without consensus   could hinder the banking system's ability to keep pace with changes.
 
At the same time, this dialogue seeks to establish the  principle of transparency and a  commitment to gradualism as a means of ensuring the effectiveness of reform,  consistent with similar international experiences in restructuring banking sectors.
 
Gradual Reform With Privacy In Mind 
 
The discussion is not limited to the form of reform,  but also includes its pace. Abdul Rabbo pointed out "the importance of implementing reform mechanisms gradually,  taking into account the specificities of Iraq's economic reality."

He emphasized the need to adhere to reform in principle,   while formulating   standards and   procedures in a way that    enhances confidence in the banking sector and   contributes to its development.
 
According to economic readings,  this position reflects the    traditional tension between the   imperative of rapid openness to international standards and the   demands of a local reality characterized by  fragility and  instability.
 
Gradualism, financial experts believe, reduces the shocks to small and medium-sized banks and  gives the sector sufficient time to adapt to the new regulatory environment.
 
This makes reform not only a tool for course correction, but also a means of rebuilding the contract between the  state and the private financial sector on more sustainable foundations.
 
The Essence And Dimensions Of The Amendments 
 
The recent amendments raise fundamental questions about  the nature of the role private banks will play. Abd Rabbuh explained that the amendments "include  extending the capital requirement for banks, reconsidering the ownership structure, and abolishing the foreign partner requirement,  thus providing banks with greater flexibility in implementing reforms and  strengthening their role in    supporting the national economy."
 
This change has multiple institutional dimensions.
 
Extending the capital requirement  reduces immediate financial pressure on banks, while  reconsidering the ownership structure   opens the door to restructuring the relationship between  local shareholders and  regulatory authorities.

The abolition of the foreign partner requirement reflects a shift toward enhanced independence, but it also raises questions about the ability of local banks to  bridge the gap in expertise and technology typically    provided by an international partner.
 
According to economic estimates,  these amendments represent an attempt to balance   strengthening financial sovereignty with   creating practical flexibility.
 
Timing And Objectives Of Reform 
 
Abdul Rabbuh believes that "banking reform comes at a crucial time, as Iraq seeks to enhance the banking sector's capacity to  finance development and investment projects and   reduce financial risks   by adopting more   flexible and transparent standards.
 
The success of the reform paper represents a fundamental step toward achieving   comprehensive financial stability and  increasing confidence among local and international investors."
 
This link between reform and investment   reflects that the goal is not limited to improving banking efficiency, but extends to building an environment that is   attractive to capital.
 
According to research estimates, the signals of confidence  that banking reform can generate will be crucial in  repositioning Iraq on the international financial map.
 
Internal financial stability is also a prerequisite for confronting the recurring economic crises that the  country has experienced over the past two decades.
 
Reform As A Barrier To Sanctions And Corruption   
 
Banking reformwas not only a domestic choice;  it also came in response to external pressures linked to the risks of international sanctions.
 
The delay in  adopting the required standards and the banks' slowness in adhering to regulatory controls   opened the door  for international oversight bodies to question  Iraq's ability to manage its financial sector transparently.
 
According to financial estimates,this situation  increased the likelihood of some banks being placed on watch lists or sanctions,  negatively impacting the smooth flow of  financial transactions and  external transfers.
 
Economists point out that part of this crisis was linked    not only to technical shortcomings, but also to the  dominance of influential groups within the banking sector, who took advantage of  weak oversight and  widespread corruption  to obstruct any serious reform attempt.
 
This dominance eroded international institutions' confidence in Iraq's ability to implement standards,
    making any delay in reform a direct threat to its economic interests.
 
Therefore, the current reform paper should be read not only as a regulatory framework, but also as a fundamental line of defense to avoid potential sanctions and  rebuild confidence in a sector that has for years been synonymous with fragility and political tensions.

Upcoming challenges and implementation prospects 
 
Abdul Rabbo concluded by saying, 
"The coming weeks will witness ongoing  negotiations and  coordination  between the  Central Bank and  private banks  to ensure all parties agree on implementing reforms smoothly and effectively.
 
These measures represent an opportunity to  restructure the banking sector and  strengthen its role in the national economy  after years of  financial challenges and  economic fluctuations."
 
This statement outlines the next phase,where the debate is no longer about the feasibility of reform,but rather about the mechanisms for implementation and consensus.
 
According to institutional estimates, the success of these negotiations will  depend on the Central Bank's ability to strike a balance between the  requirements of financial discipline and the  flexibility demanded by banks.
 
The gradual conclusion indicates that what has changed is Iraq's entry into a mandatory phase of reform after a long debate.   What has not changed is the  difficulty of building full consensus in a sector suffering from a long legacy of division and volatility.
 
The expected impact is   a gradual restructuring of the banking system,  opening the door to  enhanced confidence and stability,  provided that pledges are transformed into  measurable and  enforceable  bligations.    https://baghdadtoday.news/283024-.html   

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

Seeds of Wisdom RV and Economic Updates Saturday Morning 9-13-25

Good Morning Dinar Recaps,

Judge Stops Trump From Firing Fed Governor Lisa Cook – Here’s Why

A federal court ruling protects Lisa Cook after Trump alleged mortgage fraud tied to her Atlanta property.

Cook Declares Atlanta Property a Vacation Home
The legal clash between President Trump and Federal Reserve Governor Lisa Cook has taken a sharp turn. Trump moved to fire Cook last month, citing evidence presented by the Federal Housing Finance Agency (FHFA) director that alleged mortgage fraud.

Cook, however, countered with documents showing her Atlanta property was listed as a “vacation home,” not her primary residence. A May 28, 2021, credit union loan application identified two other properties as her main residences, undercutting the fraud allegation.

She also presented a supplemental SF-86 questionnaire, dated December 3, 2021, used for federal background checks. In that filing, Cook listed the Atlanta home as her “second home,” consistent with her earlier disclosure.

Rejecting Pulte’s Allegation
Administration officials led by Bill Pulte accused Cook of falsely claiming both her Michigan and Atlanta properties as primary residences. Trump relied on this claim in his move to fire her “for cause,” a standard usually reserved for misconduct in office.

But a federal judge disagreed. Judge Jia Cobb of the US District Court in Washington, DC, blocked the president’s attempt, ruling that the allegations did not meet the threshold for removal.

Cobb stated, “President Trump has not identified anything related to Cook’s conduct or job performance as a board member that would indicate that she is harming the board or the public interest by executing her duties unfaithfully or ineffectively.”

She added that “‘for cause’ thus does not contemplate removing an individual purely for conduct that occurred before they began in office.”

White House Responds
So far, neither the White House nor the FHFA has offered new evidence to support the allegations. Following the ruling, Trump administration officials said the fight was not over.

In a statement, the White House said, “This ruling will not be the last say on the matter, and the Trump administration will continue to work to restore accountability and confidence in the Fed.”

Why This Matters
The court’s intervention underscores the legal limits of presidential power over Federal Reserve governors. With Cook shielded for now, the ruling sets a precedent that misconduct allegations tied to pre-office activity may not justify removal from one of the most powerful economic posts in government.

@ Newshounds News™
Source: Coinpedia

~~~~~~~~~

Expert Reveals New Launch Date for REX-Osprey XRP ETF

The long-awaited REX-Osprey XRP ETF faces another delay, raising uncertainty for investors.

Launch Pushed Back Again
The launch of the REX-Osprey XRP ETF, originally expected on September 12, has been postponed once more. Bloomberg ETF analyst James Seyffart announced that the rollout will likely take place next week instead.

Seyffart clarified that both the XRP and Dogecoin ETFs from REX Shares and Osprey Funds are still in the pipeline but not yet ready to go live.

His colleague, Eric Balchunas, echoed the update in a post on X, suggesting the DOGE ETF may debut by Thursday, September 18, with the XRP ETF to follow. The back-to-back delays have cast doubt on whether the issuer can stick to its plan of launching the Dogecoin product before the XRP fund.

REX-Osprey ETF Strategy
REX Shares and Osprey Funds are seeking to roll out a suite of crypto ETFs covering Bitcoin, Ethereum, XRP, Dogecoin, and others. To streamline approval, they filed an effective prospectus under the 1940 Investment Act.

Unlike the earlier REX-Osprey SOL + Staking ETF, which was structured as a C-corporation, the new products are organized as Registered Investment Companies (RICs), aligning them with U.S. tax and regulatory requirements.

Is This Really a Spot XRP ETF?
Some XRP supporters have hailed the REX-Osprey fund as the first true spot XRP ETF. But the product’s structure tells a different story.

According to the filing:

• At least 80% of assets will be allocated directly to XRP.

• Up to 25% can be invested through a Cayman Islands subsidiary.

• The balance will be allocated to money market funds, XRP futures and swaps, U.S. Treasuries, and even non-U.S. crypto ETFs.

This design makes it more of a hybrid fund than a pure spot ETF.

SEC’s Larger Decision Looms
The uncertainty around REX-Osprey’s timeline comes as the U.S. SEC reviews multiple true spot XRP ETF proposals. Issuers including Franklin, Canary, and Bitwise are awaiting decisions, with the regulator facing an October deadline.

Why This Matters
For investors, the REX-Osprey XRP ETF is an important step toward mainstream crypto investment products, but it is not yet the “holy grail” spot ETF many are waiting for. Until the SEC rules on formal applications, the question of when — and if — a true spot XRP ETF will trade in U.S. markets remains open.

@ Newshounds News™
Source: The Crypto Basic

~~~~~~~~~

G7 Pressured by Trump to Back Tariffs on Russian Oil Buyers

Washington pushes for tariffs on China and India as part of a broader effort to cut Moscow’s war funding.

Tariffs at the Center of U.S. Push
The U.S. is pressing Group of Seven allies to support tariffs of up to 100% on Chinese and Indian imports, directly targeting their large-scale purchases of Russian crude oil.

Treasury Secretary Scott Bessent told G-7 finance ministers that “words must be matched by economic action,” framing the tariffs as “essential to ending the war.”

Markets reacted quickly to the news: Brent crude rose 0.8% on Friday, while the euro fell to a daily low before recovering.

Trump Turns Up the Pressure
President Donald Trump warned his patience with Vladimir Putin is “running out fast.” He vowed further penalties on banks, energy flows, and trade.

• Tariffs on India have already been doubled to 50%.

• Trump told European officials the U.S. would match any tariffs they impose on Beijing or New Delhi.

• EU unity remains uncertain, with Hungary resisting stronger action.

Frozen Assets and Expanded Sanctions
Washington is also proposing the seizure of Russia’s $300 billion in frozen sovereign assets, most of which are held in Europe. Currently, only the profits from those funds are redirected to Kyiv as loans.

Other sanctions under discussion include:

• Targeting Russia’s “shadow fleet” of oil tankers.

• Tightening maritime insurance rules.

• Expanding penalties to Rosneft PJSC and regional banks.

• Blocking AI and fintech services in Russia’s special economic zones.

India and China in Focus
India has become one of Asia’s largest importers of Russian crude since the invasion, while China remains Moscow’s top buyer. Both countries have resisted Western pressure to scale back, sustaining Russia’s revenue stream and undermining sanctions.

Despite the aggressive rhetoric, Trump has so far stopped short of imposing direct sanctions on Russia itself. His deadlines for Putin to enter talks with Ukraine have passed without progress, and the EU is already preparing its 19th sanctions package. Washington’s tariff push could mark a new escalation that risks pulling Asia’s two largest economies into deeper confrontation with the West.

Why This Matters
If G7 allies align with Washington’s tariff proposal, it could dramatically alter global energy markets and test the resilience of India and China’s economic ties with Russia. At stake is not just Moscow’s revenue, but the balance of geopolitical power across Europe and Asia.

@ Newshounds News™
Source: Coindoo   

~~~~~~~~~

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BRICS Buys 60,000 Ounces of Gold To Hammer USD

Trump Can’t Stop This: BRICS Buys 60,000 Ounces of Gold To Hammer USD

Vinod Dsouza  September 10,  Watcher Guru

BRICS member China is accumulating gold for 10 months straight and diversifying its reserves to strike at the USD. The People’s Bank of China (PBOC) purchased 60,000 ounces of gold in August worth $215 million. Overall, China’s gold reserves have increased to $253.84 billion, making it 7.64% of its total foreign exchange reserves. The Communist country now holds 74.02 million ounces of gold in its reserves, according to the latest data from the country’s State Administration of Foreign Exchange.

BRICS Sidelines USD in Central Bank Reserves, Hoard on Gold

Not just China, other BRICS countries like India, Brazil, Russia, and South Africa have been steadily accumulating gold. The strategic gold accumulation by BRICS is a response targeting the USD due to geopolitical uncertainty. “China released data today showing that its central bank has increased its gold holdings for the tenth consecutive month,” said Mohamed El-Erian, Allianz chief economic advisor. He added that the development is “part of a broader risk diversification strategy,” with central banks increasingly favoring gold.

The latest data from the International Monetary Fund (IMF) states that the central banks of BRICS countries have increased their gold purchases fivefold since Russia’s invasion of Ukraine in an effort to cut ties with the US dollar. Even Donald Trump, who championed the ‘America First’ ideology, is unable to stop BRICS in this position. Developing countries are reducing US dollar-denominated assets like Treasuries and bonds in their reserves.

The gold-buying streak pushed the XAU/USD index to reach a high of $3,650 on Wednesday. It soared nearly 25 points in the day’s trading session by rising 0.65%. BRICS gained the most from the gold’s surge while cutting back on the USD-denominated debt. Speculations are rife that BRICS might back their upcoming currency with gold to challenge the US dollar. While Trump is targeting the alliance via trade, they are taking a different route to dim the lights on the US dollar.

Also Read: BRICS Virtual Meet: 7 Key Takeaways From the Event

Also Read: China Releases BRICS Trade Index Showing Record Gains Since 2009

TO READ MORE: https://watcher.guru/news/trump-cant-stop-this-brics-buys-60000-ounces-of-gold-to-hammer-usd

MilitiaMan and Crew: IQD News Update-Power Decisions-Prime Minister Successes

MilitiaMan and Crew:  IQD News Update-Power Decisions-Prime Minister Successes

9-12-2025

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=2GqDqynADDI

FRANK26…9-12-25….THE PAPERS (Big Article)

KTFA

Friday Night Video

FRANK26…9-12-25….THE PAPERS

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#

Clare: FINAL ARTICLE #5975"THERE IT IS, EVERYTHING WE'VE BEEN TEACHING"........F26 Banking reform enters a decisive phase: The Central Bank and banks are in a race against time – Urgent

Clare: "the end of September will be the deadline for private banks to sign the final amendments to the reform paper submitted by the Central Bank of Iraq in coordination with Oliver and Wyman."

https://www.youtube.com/watch?v=e12fPY3cYJ4

Frank26:  "THERE IT IS, EVERYTHING WE'VE BEEN TEACHING"........F26

Banking reform enters a decisive phase: The Central Bank and banks are in a race against time – Urgent

9/12/2025   - Baghdad

The Iraqi banking sector is going through a critical phase, where economic and financial considerations intersect with the demands of structural reform that have been postponed for years.

 After decades of challenges, and amid international and local pressure to improve the efficiency of the financial system, the reform paper launched by the Central Bank in coordination with an international consulting firm emerged as an attempt to rebuild trust and establish more robust rules for banking operations.

 The importance of this issue goes beyond the financial dimension; it extends to the broader institutional context related to the state's ability to formulate economic stability tools and meet transparency requirements, which in turn are linked to the confidence of investors and international donors.

In this context, economic expert Ahmed Abdul Rabbo, speaking to Baghdad Today, predicted that "the end of September will be the deadline for private banks to sign the final amendments to the reform paper submitted by the Central Bank of Iraq in coordination with Oliver and Iman." This timing reflects the Central Bank's awareness of the country's need to end the period of hesitation and embark on a clearly defined reform path.

According to institutional estimates, setting a timetable for signing aims to overcome the procrastination that accompanied the first rounds of dialogue with private banks and transform reform from a theoretical idea into a practical commitment.

Adjustments in response to market pressures

Recent developments indicate that the reform was not imposed unilaterally, but rather came after a series of technical discussions with banks. Abdul Rabbo explained that "the Central Bank has made extensive amendments to the banking reform paper over the past weeks in response to the comments submitted by the banks, noting that it was keen to open an extensive dialogue with Iraqi banks to clarify the technical aspects of the reform paper."

This clarification reveals a collaborative process that balances reform requirements with market pressures. According to economic estimates, the central bank's understanding of banks' comments reflects its awareness that implementing strict measures without consensus could hinder the banking system's ability to keep pace with changes. At the same time, this dialogue seeks to establish the principle of transparency and a commitment to gradualism as a means of ensuring the effectiveness of reform, consistent with similar international experiences in restructuring banking sectors.

Gradual reform with privacy in mind

The discussion is not limited to the form of reform, but also includes its pace. Abdul Rabbo pointed out "the importance of implementing reform mechanisms gradually, taking into account the specificities of Iraq's economic reality." He emphasized the need to adhere to reform in principle, while formulating standards and procedures in a way that enhances confidence in the banking sector and contributes to its development.

According to economic readings, this position reflects the traditional tension between the imperative of rapid openness to international standards and the demands of a local reality characterized by fragility and instability. Gradualism, financial experts believe, reduces the shocks to small and medium-sized banks and gives the sector sufficient time to adapt to the new regulatory environment. This makes reform not only a tool for course correction, but also a means of rebuilding the contract between the state and the private financial sector on more sustainable foundations.

The essence and dimensions of the amendments

The recent amendments raise fundamental questions about the nature of the role private banks will play. Abd Rabbuh explained that the amendments "include extending the capital requirement for banks, reconsidering the ownership structure, and abolishing the foreign partner requirement, thus providing banks with greater flexibility in implementing reforms and strengthening their role in supporting the national economy."

This change has multiple institutional dimensions. Extending the capital requirement reduces immediate financial pressure on banks, while reconsidering the ownership structure opens the door to restructuring the relationship between local shareholders and regulatory authorities.

The abolition of the foreign partner requirement reflects a shift toward enhanced independence, but it also raises questions about the ability of local banks to bridge the gap in expertise and technology typically provided by an international partner. According to economic estimates, these amendments represent an attempt to balance strengthening financial sovereignty with creating practical flexibility.

Timing and objectives of reform

Abdul Rabbuh believes that "banking reform comes at a crucial time, as Iraq seeks to enhance the banking sector's capacity to finance development and investment projects and reduce financial risks by adopting more flexible and transparent standards. The success of the reform paper represents a fundamental step toward achieving comprehensive financial stability and increasing confidence among local and international investors."

This link between reform and investment reflects that the goal is not limited to improving banking efficiency, but extends to building an environment that is attractive to capital. According to research estimates, the signals of confidence that banking reform can generate will be crucial in repositioning Iraq on the international financial map. Internal financial stability is also a prerequisite for confronting the recurring economic crises that the country has experienced over the past two decades.

Reform as a Barrier to Sanctions and Corruption

Banking reform was not only a domestic choice; it also came in response to external pressures linked to the risks of international sanctions. The delay in adopting the required standards and the banks' slowness in complying with regulatory controls opened the door for international oversight bodies to question Iraq's ability to manage its financial sector transparently. According to financial estimates, this situation increased the likelihood of some banks being placed on watch lists or sanctions, negatively impacting the smooth flow of financial transactions and external transfers.

Economists point out that part of this crisis was linked not only to technical shortcomings, but also to the dominance of influential groups within the banking sector, who took advantage of weak oversight and widespread corruption to obstruct any serious reform attempt.

This dominance eroded international institutions' confidence in Iraq's ability to implement standards, making any delay in reform a direct threat to its economic interests. Therefore, the current reform paper should be read not only as a regulatory framework, but also as a fundamental line of defense to avoid potential sanctions and rebuild confidence in a sector that has for years been synonymous with fragility and political tensions.

Upcoming challenges and implementation prospects

Abdul Rabbo concluded by saying, "The coming weeks will witness ongoing negotiations and coordination between the Central Bank and private banks to ensure all parties agree on implementing reforms smoothly and effectively. These measures represent an opportunity to restructure the banking sector and strengthen its role in the national economy after years of financial challenges and economic fluctuations."

This statement outlines the next phase, where the debate is no longer about the feasibility of reform, but rather about the mechanisms for implementation and consensus.

According to institutional estimates, the success of these negotiations will depend on the Central Bank's ability to strike a balance between the requirements of financial discipline and the flexibility demanded by banks. The gradual conclusion indicates that what has changed is Iraq's entry into a mandatory phase of reform after a long debate.

What has not changed is the difficulty of building full consensus in a sector suffering from a long legacy of division and volatility. The expected impact is a gradual restructuring of the banking system, opening the door to enhanced confidence and stability, provided that pledges are transformed into measurable and enforceable obligations.  link