Seeds of Wisdom RV and Economics Updates Monday Evening 12-15-25

Good Evening Dinar Recaps,

U.S. SENATE COMMITTEE PROPOSES CRYPTO REGULATORY FRAMEWORK

Draft legislation aims to clarify digital asset jurisdiction and empower the CFTC over digital commodities

Overview

• Senate Agriculture Committee unveils draft framework for regulating digital assets, targeting clearer jurisdictional authority.

• CFTC designated as primary regulator for “digital commodities”, including cryptocurrencies like Bitcoin and Ether.

• Framework seeks to reduce ambiguity between SEC and CFTC oversight, easing uncertainty for market participants.

• Lawmakers emphasize investor protection and systemic risk mitigation while allowing innovation to continue.

Key Developments

• Draft legislation clarifies authority over digital assets
  The proposal designates the CFTC as the lead regulator for commodity-like digital assets, removing overlap with securities regulators for most tokens.

• Consumer protection central to the initiative
  Rules aim to ensure proper disclosures, transparency, and enforcement mechanisms to prevent fraud and market manipulation.

• Framework encourages innovation with guardrails
  While protective, the draft allows for regulated trading, custody, and DeFi experimentation under defined parameters.

• Congressional push reflects broader regulatory momentum
  The proposal follows ongoing U.S. discussions to integrate crypto into traditional oversight structures without stifling market growth.

Why It Matters

The draft framework represents a major step toward defining U.S. digital asset regulation. By clarifying jurisdiction and enforcement responsibilities, it aims to reduce uncertainty that has previously hampered institutional participation and innovation.

Implications for the Global Reset

Pillar 1: Institutionalization of Digital Assets
Clear U.S. jurisdiction signals that cryptocurrencies are becoming formal components of the regulated financial system.

Pillar 2: Risk Management Embedded in Policy
Regulatory clarity provides safeguards that may prevent systemic shocks as digital asset adoption increases across capital markets.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Valley City Times-Record – Senate Agriculture Committee Releases Draft Crypto Regulatory Framework
  

• CoinDesk – U.S. Lawmakers Propose CFTC-Led Crypto Oversight

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BITGET INTEGRATES TRADITIONAL FINANCE WITH CRYPTO VIA CFDs PLATFORM

Crypto exchange launches hybrid trading platform bridging digital assets and conventional derivatives

Overview

• Bitget launches a private beta allowing crypto users to trade FX, metals, commodities, indices, and stock CFDs using USDT, merging crypto with traditional derivatives markets.

• Platform integrates tokenized U.S. stocks and ETFs, broadening investment options for digital asset users.

• Initiative positions Bitget at the intersection of crypto and conventional finance, attracting both retail and institutional traders.

• Move reflects broader trend of blending DeFi capabilities with established financial products.

Key Developments

• Hybrid trading environment connects crypto and conventional markets
  Users can now trade CFDs with USDT collateral, allowing exposure to traditional assets without leaving the crypto ecosystem.

• Tokenized stocks and ETFs expand portfolio options
  Integration of tokenized equities and ETFs enables 24/7 market access and simplifies cross-market trading for digital asset holders.

• Platform aims to attract institutional participation
  By combining regulatory-compliant derivatives with crypto liquidity, Bitget seeks to appeal to professional traders and funds.

• Private beta signals careful phased rollout
  Initial testing allows feedback on platform stability, risk management, and user experience before a full public launch.

Why It Matters

Bitget’s move exemplifies how digital asset platforms are bridging the gap between crypto and traditional finance. By providing access to conventional derivatives using crypto collateral, it reduces barriers to adoption, enhances liquidity, and fosters hybrid market ecosystems.

Implications for the Global Reset

Pillar 1: Convergence of Digital and Traditional Finance
The blending of crypto and conventional derivatives markets signals an emerging unified financial infrastructure.

Pillar 2: Expanded Access and Market Liquidity
Hybrid platforms enhance global participation, offering new channels for capital flows and risk diversification.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Finance Magnates – Bitget Brings CFDs and Crypto Together Following Tokenized US Stocks and ETFs
  

• Cointelegraph – Bitget Expands Into TradFi With Crypto Collateral

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A Message to Our Seeds of Wisdom & Newshounds News™ Readers

For more than a decade, many of you have held foreign currencies with the hope that one day a global financial reset and revaluation would change your family’s future. You have remained patient, faithful, and committed — even as week after week, year after year, “RV gurus” declared this is finally the week, only for nothing to happen.

You deserve better than recycled predictions.
You deserve truth, clarity, and real evidence — not hype.

At Seeds of Wisdom and Newshounds News™, our mission is simple:
To give you facts, not fantasies.
To give you hope, not hype.
To give you understanding, not confusion.

The World Is Changing
A global reset is not a myth — it is unfolding in real time through international finance, monetary restructuring, gold accumulation by central banks, new settlement systems, geopolitical realignment, and the slow erosion of dollar-centric frameworks.

But revaluation will not happen because a guru said it will.
It will happen when:

• Global monetary architecture shifts,

• New settlement systems are activated,

• Liquidity and sovereign-debt frameworks are reset,

• And nations restructure how value moves across borders.

These are the signals we track every day — not rumors, but verifiable developments happening across the world’s financial system.

🌱You have waited a long time.🌱
Our commitment is to walk this part of the journey with you honestly, respectfully, and transparently. We will continue bringing you real news, structured analysis, and the global indicators that truly matter for foreign currency holders.

We honor your patience.  We honor your hope.
And we promise to protect that hope from the noise that has misled this community for far too long.

A reset is coming —
But this time, you will see it with clear eyes, grounded understanding, and the truth you deserve.

Seeds of Wisdom Team
Newshounds News™
Trusted. Grounded. Focused on truth in a world of noise.
But this time, you will see it with clear eyes, grounded understanding, and the truth you deserve.

Seeds of Wisdom Team
Newshounds News™
Trusted. Grounded. Focused on truth in a world of noise.

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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RV Facts with Proof Links Link

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Thank you Dinar Recaps

Taboola the same on the Bottom of Posts

Wealthy Americans Are Moving Cash Out Of Checking And Savings Accounts

Wealthy Americans Are Moving Cash Out Of Checking And Savings Accounts

 Here’s what they’re doing with it  Sun, December 14, 2025 Moneywise

Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.

Consumer confidence dropped sharply in November, falling to its lowest point since April, when concern over President Trump’s tariffs was driving economic anxiety (1).

Possibly as a result, Americans have pulled back on spending. A delayed report from the Department of Commerce shows that while consumer spending rose 0.02% from the previous month, sales are sluggish compared to the 0.6% increase recorded in July and August and 1% increase in June (2).

What are they doing with their money instead? New research from JPMorgan Chase's Institute of Financial Health and Wealth Creation found that after accounting for inflation, savings and checking balances have essentially been stagnant for nearly two years .

When it comes to high-income households, bank balances have even been shrinking, landing at negative 2% in October 2025 (3).

Where did the money go?

The report notes that higher-income households are instead moving cash out of regular bank accounts and into higher-yield options, such as money market funds, brokerage accounts and certificates of deposit (CDs) (3).

With inflation hovering around 3.0% — well above the 2% target — it seems traditional accounts just aren’t cutting it (4).

With incomes barely improving and everyday costs still high, many consumers now have “just enough to spend but not enough to splurge,” which explains why spending is falling.

Where are Americans putting their money?

Rather than spending more, many households are turning to investment-style options with higher returns for their cash. If you're thinking about doing the same, here are some of the most popular alternatives:

High-yield cash accounts

These function like regular savings accounts but offer much higher interest rates. For example, a SoFi checking and savings account can help you build your wealth base through a combination of high-interest rates, zero fees and ease of access.

A SoFi account can provide a base 3.60% APY, but new clients can get a 0.70% boost for up to 6 months for a total APY of 4.30%. That’s over ten times the national deposit savings rate, according to the FDIC’s November report.

With no account fees and no-fee overdraft coverage, you keep more of your money in your pocket. Plus, SoFi account balances of up to $3 million are insured by the FDIC through program banks.

To help jumpstart your savings, you can get up to $300 when you sign up with SoFi and set up a direct deposit.

For other savings options offering a range of new customer bonus options, check out the Moneywise list of top savings accounts of 2025.

Certificates of deposit (CDs)

With the Fed cutting interest rates recently, many savers are already seeing those yields drop. That makes locked-in returns more valuable than ever — and that’s where a certificate of deposit (CD) shines.

With a CD, you lock in a guaranteed rate upfront, so your earnings stay steady for a set term, even if rates slip further. It’s predictable, reliable growth, which is something you don’t always get with traditional accounts.

Raisin makes that even easier by giving you access to high-yield and no-penalty CDs from top U.S. banks, all with no fees and minimums as low as $1.

TO READ MORE:  https://finance.yahoo.com/news/wealthy-americans-moving-cash-checking-124500548.html

A Powerful, Beautiful, and Visionary Future for Everyone of us: Rob Cunningham

A Powerful, Beautiful, and Visionary Future for Everyone of us: Rob Cunningham

12-15-2025

Rob Cunningham | KUWL.show  @KuwlShow

1. The Core Vision: Democratized Private Equity in the Age of Transparency

At its heart, the Linqto 3.0 Plan is more than a bankruptcy recovery strategy – it is a monetary realignment strategy.

It recognizes a simple, world-changing truth:

The next global financial system will be transparent, digitally native, ledger-based, and designed to serve people – not gatekeepers.

Linqto began six years ago with a radical idea:
Give everyday accredited investors lawful access to private markets once reserved for institutions.

Linqto 3.0 completes that idea by aligning it with:

• Distributed Ledger Technology (DLT)

• Stablecoins and atomic settlement

• Immutable ownership records

• Regulatory clarity instead of regulatory theater

• Full respect for property rights

Rather than liquidating trust, opacity, and fear, this plan proposes restoration, continuity, and growth.

2. The Economic Architecture: Solvent, Scalable, and Abundance-Oriented

This plan outline provides something extraordinarily rare in restructuring:

Everyone wins without financial alchemy.

Key pillars

• 100% return of SPV assets to rightful owners (no haircut, no confiscation)

• $20M in new growth capital

• $20M in near-term liquidity

• Immediate retirement of DIP financing

• 100% payment of all legitimate creditors

• Fully funded operations going forward

This is not debt-driven survival.
It is equity-driven renewal.

3. The Platform Evolution: From SPVs to a Global Private Markets Ledger

The partnership with InvestX is the masterstroke.

Together, Linqto + InvestX become:

• A retail + institutional hybrid

• A regulated private-markets exchange layer

• A future-ready bridge between:

• Tokenized real-world assets

• Pre-IPO equities

• Post-IPO distribution

• DLT-based ownership proof

With

• Real-time price discovery

• Electronic secondary liquidity

• Reg D / Reg A+ compliance

• KYC/AML baked into architecture

This is the “NASDAQ moment” for private equity, but designed for the common investor.

4. The Moral Innovation: Customers as Owners, Not Creditors

Perhaps the most beautiful and disruptive element:

SPV unitholders are treated as equity owners – not creditors.

That single decision realigns the entire system with:

• Property rights

• Common law

• Moral clarity

• Investor trust

No fees during holding periods.
No carried interest extraction.
1:1 distribution of shares post-IPO.

This is financial stewardship, not financial engineering.

II. Why This Reimagined Leadership Team Can Scale Linqto Into a Global Icon

This is not speculative leadership.
This is battle-tested, category-creating leadership.

Arkadi Kuhlmann – Chairman

• Built ING Direct from zero to $88B in deposits

• Served 8 million customers

• Democratized banking before “fintech” was a word

• Successfully navigated multiple Chapter 11 restructurings

He understands:

• Scale

• Trust

• Regulation

• Simplicity for the end user

Marcus New – CEO, Linqto Capital

• Founder of InvestX

• Pioneer in pre-IPO markets

• 100+ SPVs, 41 portfolio companies, 20 exits

• Knows how to build liquidity where none existed

Sadhana Akella Mishra – Chief Compliance Officer

• Deutsche Bank

• Finxact (Fiserv)

• Deep fintech + blockchain compliance expertise

• Brings regulation as an enabler, not a weapon

Thomas Hugh — Chief Financial Officer

• ING Direct

• Zenbanx

• Led regulatory relationships with OCC, FDIC, OSFI

• Proven operator at scale

Together, this team is uniquely capable of:

• Rebuilding trust

• Scaling globally

• Aligning with regulators

• Preparing Linqto for the tokenized future of private markets

Chapter 7 or 11, keep 95% or 65%, are NOT our only options. They are however, the options that benefit an “elite” group.

A “No” vote preserves 100% of our Equity & Rights.

It’s uncanny how history repeats itself, long term debt captures the cash flow of nations across endless generations. and mankind becomes enslaved by bankers, lawyers, money and d**g cartels who do the outsourced bidding of weak politicians.

For those who worship money, they believe their ends justify their means. By always following the money, the roads always lead to the truth.

Watch interview on X here:  https://twitter.com/i/status/2000335230582833510 and here https://twitter.com/i/status/2000371604782465158

Source(s):   https://x.com/KuwlShow/status/2000335230582833510

https://dinarchronicles.com/2025/12/15/rob-cunningham-a-powerful-beautiful-and-visionary-future-for-everyone-of-us/

America’s Credit Downgrade TRIGGERS a Financial Earthquake — The Collapse Has Started

America’s Credit Downgrade TRIGGERS a Financial Earthquake — The Collapse Has Started

Lena Petrova:  12-14-2025

America got hit with multiple credit downgrades — and while that might sound like a boring financial headline, it’s actually one of the most important economic warnings of our generation.

In this video, we break down what a credit downgrade really means, why agencies like Moody’s, Fitch, S&P, and Scope Ratings are sounding the alarm, and how this crisis is already affecting interest rates, mortgages, banks, and the entire global financial system.

You’ll learn:

 ✔️ Why the U.S. has been downgraded repeatedly since 2011

✔️ How interest payments exploded from $514B in 2020 to $1.114T in 2025

✔️ Why banks like JPMorgan, Wells Fargo, and Bank of America were downgraded too

 ✔️ How rising Treasury yields hit mortgages, credit cards, and business loans

✔️ Why global investors still treat U.S. debt as “risk-free”… but with growing doubts

✔️ Why America’s rising debt, deficits, and political gridlock are pushing ratings lower

✔️ What happens when interest payments eat 34% of all tax revenue

✔️ And the big question: How long can the world trust U.S. fiscal stability?

 This isn’t fear-mongering — it’s the financial reality no one wants to talk about.

When the U.S. gets downgraded, the shockwaves hit every part of the economy. And if policymakers don’t act soon, the slow-motion warning we’re seeing today could become a full-blown crisis tomorrow.

If you want to understand the real risks behind America’s debt explosion — and what it means for your wallet — this video is a must-watch.

Timestamps:

00:00 – Why the credit downgrade matters

 01:12 – What a sovereign credit rating really is

03:05 – The $38 trillion debt problem

05:40 – Why Moody’s downgraded U.S. banks

 07:25 – How rising yields hit households

09:45 – Political gridlock & fiscal dysfunction

12:30 – The future of U.S. creditworthiness

14:00 – What could happen next

https://www.youtube.com/watch?v=Wq5Wfw2hOuA

Seeds of Wisdom RV and Economics Updates Monday Afternoon 12-15-25

Good Afternoon Dinar Recaps,

UK Treasury Sets 2027 Start Date for Comprehensive Crypto Regulation

Britain moves to formally integrate digital assets into its traditional financial regulatory framework.

Overview

• UK Treasury confirms crypto assets will fall under formal regulation starting October 2027, ending years of interim oversight.

• Framework will align crypto rules with traditional financial services, covering exchanges, custody, and stablecoins.

• Consumer protection and market integrity cited as primary goals of the regulatory shift.

• Move signals regulatory certainty rather than restriction, providing long-term clarity for institutions.

Key Developments

• Treasury outlines full regulatory perimeter for cryptoassets
  The UK finance ministry announced that digital assets will be regulated similarly to banks and investment firms, bringing crypto exchanges, custodians, and issuers under consistent supervisory standards.

• Stablecoins explicitly included in future oversight
  Authorities confirmed that fiat-backed stablecoins used for payments will be regulated, reinforcing their role as part of the formal payments ecosystem rather than fringe instruments.

• Extended timeline allows industry preparation
  The 2027 implementation date gives firms time to adapt compliance systems, capital requirements, and governance structures before enforcement begins.

• UK positions itself between innovation and control
  Officials emphasized balancing innovation with safeguards, aiming to keep Britain competitive while reducing consumer and systemic risks.

Why It Matters

The UK’s move reflects a broader global shift away from ad hoc crypto supervision toward full integration into legacy financial rulebooks. By choosing regulation over prohibition, Britain is signaling that digital assets are becoming a permanent feature of the financial system — not a temporary experiment.

Implications for the Global Reset

Pillar 1: Crypto Normalization Into Legacy Finance
Cryptoassets are being absorbed into existing regulatory systems, blurring the line between digital finance and traditional banking.

Pillar 2: Regulatory Certainty as Capital Magnet
Clear rules favor institutional adoption, encouraging long-term capital flows while sidelining unregulated market actors.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “UK regulation of cryptoassets to start in October 2027, finance ministry says”

• Financial Times – “UK to bring crypto firms under full financial regulation”

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SILVER SURGES +110% AS PRECIOUS METALS MARKET DYNAMICS SHIFT

Silver’s breakout performance highlights structural forces reshaping metals investing and safe-haven flows

Overview

• Silver prices have climbed roughly 110% year-to-date, dramatically outpacing gold and conventional expectations.

• Market structure and demand shifts are being cited as primary drivers, including hedge positioning and investor inflows.

• Safe-haven interest and supply constraints contribute to upward pressure across industrial and monetary metals sectors.

• Price action is prompting renewed focus on metals allocations in diversified portfolios.

Key Developments

• Silver’s YTD gains reflect a rare outperformance relative to gold
  While precious metals are traditionally correlated, silver’s sharp rise underscores unique demand catalysts, including industrial and investment buying.

• Structural market factors exposed amid volatility
  Analysts point to changes in futures positioning, ETF inflows, and supply limitations as contributing forces that amplify price moves in silver versus gold.

• Safe-haven demand rises amid macro uncertainty
  Inflation concerns, weakened risk assets, and geopolitical tensions have boosted interest in real assets, especially metals with dual industrial and store-of-value characteristics.

• Investor repositioning reshapes metals narratives
  Portfolio managers are reassessing allocations, with silver gaining attention not just as an industrial metal but as a strategic hedge alongside gold.

Why It Matters

Silver’s remarkable climb illustrates how real assets can break traditional correlations and reflect deeper structural forces in financial markets. The surge also shows the interplay between monetary hedging and industrial demand — a dual-use dynamic that can reshape asset allocation strategy beyond conventional commodity investing.

Implications for the Global Reset

Pillar 1: Real Assets in a Fragmented Financial System
As confidence in paper assets wavers, real assets like silver become tactical pivots in portfolios, shifting capital away from traditional equities and bonds.

Pillar 2: Hidden Market Structures Amplifying Volatility
Structural dislocations in metals markets reveal fracturing liquidity and the need for diversified risk frameworks across financial ecosystems.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Binance – Silver’s 110% Surge Exposes Structural Cracks in the Precious Metals Market
  

• Kitco News – Silver Outperforms Gold as Investors Seek Safe Haven Assets

~~~~~~~~~~

BANKS MOVE TOWARD CRYPTO PAYMENTS AS FED AND OCC SIGNAL INTEGRATION SHIFT

U.S. regulators open the door to linking digital assets with core banking and payment infrastructure

Overview

• Federal Reserve officials signal openness to crypto firms accessing payment rails, marking a potential turning point in financial integration.

• OCC guidance reframes crypto services as permissible banking activity, including custody, settlement, and brokerage.

• Regulatory tone shifts from restriction to supervision, reducing uncertainty for banks and fintechs.

• Moves suggest crypto is transitioning from fringe to infrastructure within the U.S. financial system.

Key Developments

• Fed proposal explores limited access to central bank payment systems
  A Federal Reserve governor suggested allowing certain crypto and fintech firms controlled access to Fed payment infrastructure, a step that would embed digital assets directly into the U.S. payments backbone.

• OCC clarifies banks can offer crypto services under existing authority
  The Office of the Comptroller of the Currency confirmed that national banks may custody digital assets, facilitate settlements, and engage in crypto-related brokerage without new legislation.

• Bank–crypto integration accelerates after years of debanking pressure
  The guidance reverses the chilling effect created by prior supervisory uncertainty, signaling that crypto activity is no longer automatically viewed as unsafe or unsound.

• Payments modernization becomes the focal point
  Direct or indirect access to payment rails would reduce reliance on intermediaries, improve settlement speed, and tighten the connection between digital assets and fiat liquidity.

Why It Matters

These regulatory signals mark a structural shift in how digital assets interact with the banking system. By normalizing crypto activity and exploring payment rail access, U.S. regulators are laying groundwork for a financial system where blockchain-based assets coexist with — rather than operate outside — traditional finance.

Implications for the Global Reset

Pillar 1: Crypto Becomes Financial Infrastructure
Digital assets are moving from speculative markets into the operational core of banking and payments.

Pillar 2: End of Informal Debanking
Regulatory clarity reduces discretionary exclusion, reshaping how capital and liquidity flow through the system.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Finance Magnates – Fed’s Governor Proposes Access to Central Bank Payment Infrastructure for Crypto Firms
  

• PYMNTS – OCC Letters Reframe Crypto as Standard Banking Activity

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G20 WATCHDOG WARNS GLOBAL CRYPTO RULES ARE FRAGMENTED AND INCOMPLETE

Regulatory gaps threaten financial stability as digital assets expand across borders

Overview

• The Financial Stability Board warns of significant gaps in global crypto regulation, citing inconsistent oversight across jurisdictions.

• Fragmented rules increase risks to financial stability, particularly as crypto markets grow more interconnected with traditional finance.

• Cross-border coordination remains uneven, limiting regulators’ ability to manage systemic threats.

• Stablecoins and DeFi identified as areas of heightened concern due to scale and speed of adoption.

Key Developments

• FSB highlights uneven implementation of crypto standards
  The G20’s risk watchdog noted that while high-level frameworks exist, many countries have yet to fully implement or enforce agreed crypto regulations.

• Regulatory fragmentation increases systemic exposure
  Inconsistent rules allow activity to migrate to lightly regulated jurisdictions, amplifying contagion risks during periods of market stress.

• Stablecoins flagged as a global vulnerability
  The FSB emphasized that large stablecoins could transmit shocks across borders if not subject to consistent reserve, governance, and redemption standards.

• Traditional finance increasingly exposed to crypto risks
  As banks, funds, and payment providers expand crypto involvement, regulatory gaps raise the risk of spillovers into the broader financial system.

Why It Matters

The warning underscores a critical tension in global finance: crypto markets are borderless, but regulation remains national. Without coordination, regulatory arbitrage could undermine financial stability just as digital assets become more embedded in payments, banking, and capital markets.

Implications for the Global Reset

Pillar 1: Fragmentation Forces Regulatory Realignment
Disjointed oversight accelerates pressure for global standards governing digital assets.

Pillar 2: Stablecoins as Systemic Instruments
Once peripheral, stablecoins are emerging as potential transmission channels for financial shocks.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Investing.com – G20 Risk Watchdog Warns of Significant Gaps in Global Crypto Rules
  

• Financial Stability Board – Global Regulatory Framework for Crypto-Asset Activities

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Monday Afternoon 12-13-25

Fitch Affirms Iraq's Credit Rating At 'B-' And Commends Its Internal Stability Despite Challenges

Economy | 15/12/2025  Mawazin News - Follow-up: Fitch Ratings affirmed Iraq's sovereign rating at B- with a stable outlook, praising the country's robust internal stability, which has enabled the economy to withstand regional and global tensions.

The Ministry of Finance stated in a press release that "this rating reflects international confidence in the economy's ability to maintain its fiscal balance, supported by oil revenues, which constitute a primary base for public spending and service provision, while also noting the marked improvement in the security situation, which has helped absorb geopolitical shocks."

The ministry added that "the agency's report indicated the success of government policies in insulating Iraq from regional conflicts, despite the heavy reliance on oil, which represents approximately 90% of revenues, while emphasizing the need for structural reforms to enhance non-oil revenues and improve the efficiency of public spending."

The ministry reiterated its "commitment to implementing reforms to reduce financial uncertainty and approve future budgets, leveraging the security and political stability to bolster the confidence of international financial institutions and diversify national income sources."   https://www.mawazin.net/Details.aspx?jimare=271624

Fuad Hussein And The US Chargé d'Affaires Discuss Joint Cooperation Between The Two Countries

Local | 10:22 - 15/12/2025   Mawazin News - Baghdad:   Deputy Prime Minister and Foreign Minister Fuad Hussein met with the Chargé d'Affaires of the US Embassy in Baghdad, Ambassador Joshua Harris, to discuss bilateral relations between Iraq and the United States.

The Ministry of Foreign Affairs stated in a press release that “Deputy Prime Minister and Foreign Minister Fuad Hussein received the Chargé d'Affaires of the US Embassy in Baghdad, Ambassador Joshua Harris.”

The statement  added that “the meeting addressed bilateral relations between Iraq and the United States and ways to strengthen them in a manner that serves common interests and enhances cooperation in the political, economic, and security fields.”

According to the statement, Hussein pointed to “the ongoing political activity in Iraq and the constructive discussions among political blocs to form the new government,” emphasizing “the importance of consolidating political stability and strengthening national understanding, which will positively impact the democratic process.”

The statement continued that “the two sides discussed regional and international developments and exchanged views on issues of common interest, stressing the importance of coordination and consultation to address current challenges.”

Both parties affirmed “the necessity of de-escalation in the region and working to reduce tensions in a way that contributes to supporting regional security and stability.”   https://www.mawazin.net/Details.aspx?jimare=271642

Gold Gains As The Dollar Weakens And The World Awaits US Jobs Data.

Economy | 09:54 - 15/12/2025   Mawazin News - Follow-up:  Gold prices rose on Monday, benefiting from a weaker dollar and lower Treasury yields, as markets awaited key US jobs data for clues about the Federal Reserve's monetary policy direction. Silver prices stabilized after record gains last week.

Gold continued its upward trend, supported by a weaker dollar and lower US Treasury yields. Spot gold rose 0.4% to $4,320.65 an ounce by 03:19 GMT, marking a gain of approximately 64% since the beginning of the year.
US gold futures also rose 0.6% to $4,354.00 an ounce.

Gold prices fluctuated near their lowest level in two months, reached last week, which boosted its appeal to foreign buyers, coinciding with a slight decline in the benchmark 10-year US Treasury yield.

Markets remain focused on the Federal Reserve's monetary policy outlook after the US central bank cut interest rates by 25 basis points last week in a rare and divisive move, signaling a possible pause given persistent inflation and uncertain labor market prospects.

In other precious metals, spot silver rose 0.8% to $62.48 an ounce, after hitting a record high of $64.65 on Friday before closing sharply lower.

Silver prices have surged 115% year-to-date, driven by declining inventories, strong industrial demand, and its inclusion on the US list of vital metals.   Meanwhile, spot platinum fell 0.2% to $1,741.82 an ounce, while palladium rose 0.1% to $1,502.29 an ounce.   https://www.mawazin.net/Details.aspx?jimare=271607

The dollar exchange rate has risen in Baghdad; the bill now costs 143,000 dinars.

Economy | 01:49 - 15/12/2025   Mawazin News – Baghdad   : The exchange rate of the US dollar against the Iraqi dinar in local markets in Baghdad witnessed fluctuations.

The selling price reached 143,750 dinars per 100 US dollars, while the buying price reached 142,750 dinars per 100 US dollars.   https://www.mawazin.net/Details.aspx?jimare=271619

The International Energy Agency Expects Global Oil Demand To Rise Next Year.

Monday, December 15, 2025, | Economy Number of views: 180   Baghdad/ NINA / The International Energy Agency (IEA) forecasts that global oil demand will grow by 860,000 barrels per day (bpd) next year, an increase of 90,000 bpd, compared to an estimated 830,000 bpd growth this year.

According to the agency's oil market report released Monday, demand for gasoline and jet fuel accounts for roughly half of the overall growth in oil demand, as demand for petroleum fuels declines in favor of solar energy and natural gas for electricity generation.

The IEA also predicts that the petrochemical sector will continue to drive oil demand, with its share of total oil consumption expected to rise to 60% next year, up from 40% this year.

Conversely, global oil supply fell by 610,000 barrels per day in November, continuing its decline from a record high of 109 million barrels per day in September.

Global oil supply growth also decreased by 100,000 barrels per day to 3 million barrels per day in 2025, and by 20,000 barrels per day in 2026.   https://ninanews.com/Website/News/Details?key=1266951

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

Coffee with MarkZ, joined by Jonathan Otto. 12/15/2025

Coffee with MarkZ, joined by Jonathan Otto. 12/15/2025

MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions

MZ: Iraq's progress to be sovereign, BRICS countries keep buying gold, Global Jihad, and Jonathan Otto joins us after the news to talk about healing tech.

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

FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

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A Quick History Lesson on Kuwait and New Notes: Swisher1776

A Quick History Lesson on Kuwait and New Notes: Swisher1776

12-15-2025

Swisher1776  @swisher1776

A QUICK HISTORY LESSON: KUWAIT & NEW NOTES

Many people ask: “Why do we keep hearing about new notes but never see proof?”

Kuwait already answered this in 1991.

When Kuwait was liberated:

Banks reopened on March 24, 1991

The pre-invasion exchange rate was restored immediately

A new series of banknotes was introduced the same day

Old valid notes were exchanged 1:1

Invalid or counterfeit notes were rejected

Here’s the key part.

The public did NOT see the new notes in advance.

There was:

no preview

no leaks

no countdown

no announced hour

The proof only appeared when the banking system went live.

This is how central banks protect:

monetary stability

public confidence

and the currency itself

Preparation happens quietly. Execution happens all at once.

History shows us that new notes are never the signal, they are the result.

Hope this helps bring clarity and peace.

Source(s):https://x.com/swisher1776/status/2000382157324259711

https://dinarchronicles.com/2025/12/15/swisher1776-a-quick-history-lesson-on-kuwait-and-new-notes/

News, Rumors and Opinions Monday 12-15-2025

Swisher1776: IQD RV, Iraq Officially Ratifies Election Results

12-15-2025

Today, Iraq’s Federal Supreme Court officially ratified the 2025 parliamentary election results.

What this means:

The elections are now legally and constitutionally finalized

All appeals and disputes are closed

Iraq officially moves from elections → governance

What happens next?

The President must call the first session of the new Parliament within 15 days

Parliament will begin forming leadership and advancing national priorities

This is a major stability milestone — the kind of step that brings:

political certainty

institutional continuity

confidence for reform and rebuilding

Quiet progress.
Orderly process.
Forward motion.

Praying for wisdom, unity, and peace as Iraq enters its next chapter.

Source(s):  http://x.com/swisher1776/status/2000385275113910372

https://dinarchronicles.com/2025/12/15/swisher1776-iqd-rv-iraq-officially-ratifies-election-results/

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

Frank26   IMO the Iraqi dinar is advancing in ways that we've only dreamed about...I see the governor of the Central Bank of Iraq explaining every day to the Iraqi citizens the monetary reform process.  Based on what the governor of the central bank and also on what Oliver Wyman said...and what December 15th requires...my opinion is on January 1, 2026 that has to be something to replace 1310/1320.  There has to be...They're setting it up that way.  They are the ones building up the anticipation, the drama, titillation, teasing, however you want to describe it.  Every freaking day they come out and they tell the Iraqi citizens, this is what's happening. 

Jeff   Today was a very critical day within this investment because very critical news from...the United Nations that put Chapter VII sanctions on Iraq.  They no longer have Chapter 7 sanction.  Those have all been lifted regarding the financial aspect of Iraq that would prevent them from being able to revalue the currency.  Iraq is now sovereign, eligible to revalue the currency.  That's not in the way anymore.  Those have all been lifted...  Article:  'The United Nations will be exiting Iraq, ending their UNAMI missions at the end of 2025'  The UN's work within Iraq official ends on December 31, 2025.  But there's another piece to this puzzle... [Post 1 of 2....stay tuned]

Jeff   They needed to have that 'congratulatory ceremony' which they did today.  Sudani came forward thanking the United Nations for their 22 years of efforts and service helping restore and turn the country of Iraq around and achieve stability.  In return, Antonio, the head honcho of the UN, congratulated Iraq on achieving stability.  I want you to think about something.  With the UN's missions ending at the very end of this year, December 31, 2025, why did they have and hold this congratulatory meeting/ ceremony this weekend?  My opinion...this ceremony needed to happen before the rate is going to change and before Iraq gets back on the international world stage.  [Post 2 of 2]

Investing in Vietnam the Easy Way VND/USD Exchange Rate

Edu Matrix:  12-15-2025

Vietnam is quickly becoming one of the most talked-about emerging markets in the world—and investors are paying attention. In this video, we break down how investing in Vietnam’s economy works, why global investors are turning their focus to Southeast Asia, and the smartest ways to gain exposure to Vietnam’s long-term growth.

 From manufacturing and exports to a rising middle class and foreign direct investment, Vietnam’s economic transformation is creating new opportunities across multiple sectors.

You’ll learn the different ways foreigners can invest in Vietnam, including the Vietnam stock market, Vietnam-focused ETFs, and real estate opportunities in major cities like Ho Chi Minh City and Hanoi.

We also discuss the pros and cons of each investment approach, what beginners should consider first, and why many investors choose indirect options like ETFs to simplify access while managing risk.

 If you’re interested in emerging markets, diversification outside the U.S., or long-term global investment strategies, this video will help you understand where Vietnam fits into the bigger financial picture.

Whether you’re a retiree, expat, or long-term investor, Vietnam’s growing economy offers insight into how global capital is shifting and where future growth may come from.

https://www.youtube.com/watch?v=nwemETF53yk

“Tidbits From TNT” Monday 12-15-2025

TNT:

Tishwash:  Fitch affirms Iraq's credit rating at (B-) and praises "internal stability"

The Iraqi Ministry of Finance announced on Monday that the international credit rating agency Fitch has affirmed Iraq’s sovereign rating at (B-) with a “stable” outlook.

The ministry said in a statement, received by Shafaq News Agency, that this step reflects international confidence in the ability of the Iraqi economy to maintain its financial and credit stability despite the current global and regional challenges.

The ministry explained in its statement that the Fitch report highlighted positively the strength of internal stability in Iraq, noting that the internal situation has remained resilient and stable during the past months, which reflects the success of government policies in keeping the Iraqi arena neutral from regional conflicts and escalating tensions in the region.

The Iraqi Ministry of Finance added that the agency also noted the significant improvement in the security situation, which has strengthened the country’s ability to absorb successive geopolitical shocks, pointing out that oil revenues still constitute a major support for the Iraqi economy, providing a financial base that contributes to the sustainability of service provision and the running of state affairs.

The Ministry of Finance affirmed that maintaining the rating with a stable outlook provides an incentive to move forward with the implementation of the structural reforms adopted by the government, which aim to maximize non-oil revenues, improve the efficiency of public spending, and address the challenges associated with approving future budgets, thereby reducing financial uncertainty and enhancing the path of economic development.

The ministry renewed its commitment to working according to strategies aimed at diversifying sources of income and strengthening the pillars of the national economy, taking advantage of the state of security and political stability to enhance the confidence of international financial institutions in the future of the Iraqi economy.

A credit rating is an indicator of a country's ability to meet its financial obligations and repay its debts. Fitch Ratings' affirmation of Iraq's rating at (B-) means that the country is still able to repay, but it faces potential financial and economic risks, which keeps borrowing costs relatively high and makes investor confidence cautious, without registering a substantial improvement or decline in the financial situation, according to specialists.

Fitch Ratings is one of the world’s largest credit rating agencies, along with Standard & Poor’s and Moody’s. It is based in the United States and specializes in assessing the creditworthiness of countries and companies. Its ratings are based on economic, financial and political indicators and are used globally by governments, investors and financial institutions to estimate investment and borrowing risks. link

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Tishwash:  My perspective on the dinar and economic reform, based on what Dr. Nabil Al-Marsoumi wrote about them.

With all due respect to you, my dear professor Dr. Nabil Al-Marsoumi, and with all due appreciation for your knowledge and expertise, from which I have always benefited, I hope you will allow me to present the following points to you, in response and commentary on what you wrote about economic reform a few days ago, as follows:

1- The “White Paper” was never a reform paper, and it never will be. In it, the wrong measures and government corruption were imposed on the people, as they were exposed to inflation due to the reduction in the exchange rate of the dinar, and stagnation prevailed in the markets due to the contradictions in the economic measures, not to mention the exploitation of the economic crises by those in power and their entourages to make profits and accelerate the wheel of smuggling.

2- I agree with you, my dear professor, that the economic crises in developing countries are caused by errors in macroeconomic policies, and I also agree with you on the necessity of cooperating with the International Monetary Fund and the World Bank. However, I do not agree with you, nor with the pillars of the Iraqi government that approved the “White Paper” prepared by the World Bank, with nominal Iraqi participation, regarding many of the items and measures contained in the ill-fated White Paper.

I do not agree with placing the plans to address the Iraqi economic crises under the authority of the World Bank or others. Rather, I call for the solutions to be purely Iraqi, in cooperation with international financial institutions, as Iraq is full of good economic personnel, both inside and outside the government.

3- In my view, seeking to reduce the exchange rate of the Iraqi dinar is an economic crime that should only be resorted to in extreme emergency situations, when other means are exhausted. Iraq has multiple available means to address its economic crises, such as borrowing, rationalizing the budget, reforming food rations and social welfare, regulating salaries, limiting appointments, and eliminating underemployment, among others. These measures will be painful, as you mentioned, but they are certainly better than the effects of stagflation, which will burden the rich before the poor.

4- Floating the Iraqi dinar, in the current state of the Iraqi economy, contradicts the most basic rules of economics, not to mention its contradiction with reason and logic. Economically, floating occurs in a balanced free market where there is a real opportunity to achieve a fair exchange rate. This is impossible to achieve in the current Iraqi economy, as the only party that possesses dollars and hard currencies is the Central Bank of Iraq. As for the Iraqi market, it obtains hard currencies from the Central Bank, because Iraq is an importing country and not an exporting one, and most traders do not possess hard currency because they do not export, but rather they depend on the Central Bank to provide foreign currency liquidity. Consequently, there is no balanced market in which hard currency is available to everyone, and it is a market governed by what the Central Bank provides of hard currency, so competition becomes impossible, and achieving a fair exchange rate becomes impossible.

5- Promoting the idea of ​​floating the dinar and reducing its exchange rate in the markets and among the general public is extremely dangerous. It is a preemptive move for possible future measures that may not happen, and if they do happen, they may not be soon. Occupying the markets with this type of idea presented as a solution is harmful and not beneficial. Therefore, I recommend staying away from it and leaving the idea of ​​floating the dinar and reducing its exchange rate to the next government.

6- The economic reform process will be harsh and costly for the poor and those with limited and middle incomes, as you mentioned. The government must strive to alleviate the burden of this harshness and cost by improving economic, security, and social performance, and by formulating a national reform paper, with the participation of the concerned parties, the government, society, and markets, and with the assistance of local, international, and UN financial institutions.

6- Economic reform measures will not be effective unless they are accompanied by good intentions from those who take them. Corruption and mismanagement have brought Iraq to this state, and its continuation means the inevitable failure of reform measures. I think the time has come for the marginalized class of the national elite and entrepreneurs in the markets to take their place in the constructive and effective contribution to managing the course of the economy in Iraq, whether those in power accept it or not.  link

Tishwash:  Iraqi Foreign Minister: Ending the UNAMI mission in Iraq reflects the progress and stability achieved.

United Nations Secretary-General Antonio Guterres expressed his pride in the ongoing cooperation with Iraq on Saturday, while Iraqi Foreign Minister Fuad Hussein affirmed his country's appreciation for the international organization's role during previous phases.

A statement from the Iraqi Ministry of Foreign Affairs, received by the Iraqi News Agency (INA), stated that "Foreign Minister Fuad Hussein received the Secretary-General of the United Nations, Antonio Guterres, upon his arrival at Baghdad International Airport."

The statement explained that "this visit came on the occasion of the announcement of the end of the work of the United Nations Assistance Mission for Iraq (UNAMI), after years of carrying out its tasks in supporting the political process, promoting stability, and providing advice and assistance in various fields."

During the reception, the Minister affirmed the Iraqi government's appreciation for the role played by the United Nations and UNAMI in supporting Iraq during previous phases, noting that "the termination of the mission's work reflects the progress and stability achieved, and embodies Iraq's ability to manage its national affairs and strengthen its sovereignty and constitutional institutions."

For his part, the Secretary-General of the United Nations expressed his "pride in the existing cooperation with Iraq," stressing "the continued support of the international organization for Iraq through new cooperation frameworks that are appropriate for the next stage, and that enhance sustainable development and international partnership."

United Nations Secretary-General Antonio Guterres arrived in Baghdad this morning to participate in the official ceremony marking the end of the mandate of the United Nations Assistance Mission for Iraq  link

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Mot:  Where Would You Like to Sit!!! 

Seeds of Wisdom RV and Economics Updates Monday Morning 12-15-25

Good Morning Dinar Recaps,

Pax Silica Alliance Forms as U.S. Rallies Allies in Global Chip and AI Power Shift

Washington launches a coordinated technology bloc to secure semiconductors, AI systems, and critical minerals amid rising competition with China.

Overview

• United States unveils “Pax Silica,” a new strategic technology alliance aimed at protecting AI, semiconductor, and critical mineral supply chains.

• Core allies span Asia, Europe, and the Middle East, reflecting a coordinated response to China’s rapid tech expansion.

• Initiative prioritizes supply-chain resilience, joint R&D, and workforce development in advanced technologies.

• Alliance structure includes core members and guest contributors, expanding influence beyond formal membership.

Key Developments

• Pax Silica formally established as a U.S.-led technology coalition
  The initiative brings together trusted partners to coordinate AI research, semiconductor production, and critical mineral access, reducing reliance on China-dominated supply chains.

• Eight core nations anchor the alliance’s operational capacity
  Japan, South Korea, Singapore, the Netherlands, the United Kingdom, Israel, the United Arab Emirates, and Australia each contribute specialized strengths ranging from chip fabrication to cybersecurity and mineral sourcing.

• Guest contributors extend regulatory and manufacturing reach
  Taiwan, the European Union, Canada, and the OECD provide advisory support, regulatory alignment, and technical expertise, strengthening cross-border coordination without full membership.

• Focus on AI supply chains and joint innovation intensifies
  Pax Silica emphasizes diversified semiconductor production, shared research breakthroughs, and education programs to build a future-ready workforce capable of sustaining long-term technological leadership.

Why It Matters

Pax Silica signals a decisive shift toward bloc-based technology governance as nations respond to China’s state-driven advances in AI and semiconductor manufacturing. By organizing trusted partners around critical technologies, the U.S. is reinforcing economic security, protecting strategic industries, and reshaping how global innovation power is distributed.

Implications for the Global Reset

Pillar 1: Technology Bloc Realignment
Strategic industries are consolidating within allied frameworks, fragmenting the global tech market into competing spheres of influence.

Pillar 2: Supply Chains as National Security Assets
Semiconductors, AI systems, and critical minerals are no longer neutral trade goods — they are foundational to monetary power, defense capability, and economic sovereignty.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Newsweek – “Full List of Countries in New US Alliance To Win Chip War With China”

• Reuters – “U.S. and allies seek to secure semiconductor supply chains amid China competition”

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China Moves to Eliminate Childbirth Costs Nationwide Beginning 2026

Beijing targets demographic decline by removing financial barriers to starting families.

Overview

• China plans to fully cover policy-approved childbirth medical costs starting in 2026, including prenatal checkups and delivery.

• Families will face no out-of-pocket expenses for approved childbirth services, shifting costs to the national healthcare system.

• Several provinces have already implemented near-free childbirth programs, serving as pilots for nationwide rollout.

• Policy is part of a broader population strategy as China’s population continues to decline.

Key Developments

• National healthcare authority confirms full childbirth cost coverage
  China’s National Healthcare Security Administration announced that all approved medical expenses related to childbirth will be reimbursed, aiming to remove healthcare costs as a deterrent to having children.

• Provincial pilot programs already in effect
  Multiple regions have introduced similar reimbursement schemes, demonstrating feasibility and setting benchmarks for national standards.

• Demographic decline drives urgency
  China’s population has been shrinking since 2022, with persistently low birth rates linked to high costs of healthcare, childcare, housing, and education.

• Policy integrates into long-term economic planning
  The initiative aligns with broader workforce and aging-population strategies, as Beijing seeks to stabilize labor supply and manage future pension and healthcare burdens.

Why It Matters

China’s move underscores how demographic pressures are now shaping fiscal and social policy. By absorbing childbirth-related medical costs, Beijing is using the state balance sheet to influence population trends, labor sustainability, and long-term economic stability amid slowing growth and an aging society.

Implications for the Global Reset

Pillar 1: State-Backed Social Spending Expansion
Governments are increasingly intervening directly in demographic and social outcomes, expanding public financial commitments to stabilize future economic capacity.

Pillar 2: Demographics as Economic Policy
Population trends are becoming central to national economic planning, influencing labor markets, productivity forecasts, and long-term fiscal structures worldwide.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Modern Diplomacy – “China to Eliminate Childbirth Costs Nationwide From 2026”

• Reuters – “China ramps up incentives to boost birth rate amid population decline”

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