Seeds of Wisdom RV and Economics Updates Thursday Morning 12-11-25
Good Morning Dinar Recaps,
Crypto among sectors ‘debanked’ by 9 major banks: US regulator
OCC finds major banks restricted services to crypto and other politically contentious industries between 2020–2023; probe may be referred to DOJ.
Overview
OCC preliminary finding: Nine largest U.S. banks placed restrictions or escalated review requirements on customers in certain lawful industries — including cryptocurrency — between 2020 and 2023.
Scope of industries affected: Restrictions also targeted oil & gas exploration, coal mining, firearms, private prisons, tobacco/e-cigarette manufacturers, and adult entertainment.
Possible enforcement referral: The OCC said its investigation is ongoing and could be referred to the U.S. Justice Department.
Key Developments
Banks examined: The OCC reviewed JPMorgan Chase, Bank of America, Citibank, Wells Fargo, U.S. Bank, Capital One, PNC Bank, TD Bank and BMO.
Crypto-specific actions: Banks restricted services to issuers, exchanges, or administrators — often citing financial crime concerns as the rationale.
Regulator response and rhetoric: Comptroller Jonathan Gould criticized debanking as an improper use of bank charter and market power, while commentators (Cato Institute, industry leaders) argue the report omits regulatory guidance that influenced banks’ behavior.
Political context: The review follows an executive order directing a probe into whether banks cut customers off for political or religious reasons.
Why It Matters
Banking access is a foundational plumbing of the global economy. If large banks systematically constrain lawful businesses for reputational or political reasons, that rewires capital flows, concentrates power in alternative providers, and accelerates structural shifts in how value is cleared and settled — a dynamic that can feed broader geopolitical and financial realignments.
Implications for the Global Reset
Pillar — Financial Decentralization: Continued restrictions by major banks push affected industries (notably crypto) toward alternative financial rails and smaller institutions, reducing reliance on incumbent Western banking infrastructure.
Pillar — Regulatory-Driven Fragmentation: When supervisory guidance and bank risk-management intersect with politics, market access fragments along regulatory lines — increasing the appeal of non-traditional or jurisdictionally diversified financial networks.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
Cointelegraph – “Crypto among sectors ‘debanked’ by 9 major banks: US regulator”
Reuters – “US bank regulator says large banks engaged in ‘debanking’ of disfavored industries”
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Jakarta Claims World’s Largest Urban Title As Indonesia Joins BRICS
UN confirms Jakarta as the world’s largest urban area in 2025 just as Indonesia enters BRICS, reshaping regional and global economic dynamics.
Overview
Jakarta surpasses Tokyo: UN reclassification places Jakarta at 42 million, making it the world’s largest urban area and elevating Southeast Asia’s demographic weight.
BRICS timing boosts influence: Indonesia’s full BRICS membership aligns with its rising urban and economic profile, amplifying its strategic leverage.
Digital economy surge: Jakarta’s rapid expansion reflects ASEAN’s tech-driven growth, with the city becoming a major hub for fintech, e-commerce, and startup innovation.
Key Developments
New global ranking: Jakarta now leads Dhaka (36.6M) and Tokyo (33.4M), confirming long-observed local assessments of the city’s scale.
Tech ecosystem dominance: With 2,400+ startups and 80% digital payment penetration, Jakarta acts as a frontline laboratory for digital transformation.
Policy alignment underway: iDEA and the Indonesia Fintech Association plan strategic meetings during National Fintech Month 2025 to align frameworks with Jakarta’s expanding economic role.
Urban pressures continue: Congestion, flooding, and future infrastructure demands—expected to grow with 10 million more residents by 2050—remain major challenges.
Why It Matters
Jakarta’s rise to the world’s largest urban area signals a new gravitational shift in global economic momentum—away from traditional hubs and toward emerging, tech-centered megacities. Paired with Indonesia’s entrance into BRICS, this demographic milestone strengthens the bloc’s influence and positions Southeast Asia as a central player in the evolving global order.
Implications for the Global Reset
Pillar — Demographic Power Shift: Indonesia’s massive urban concentration expands BRICS’ population footprint, tilting economic and geopolitical weight toward emerging markets.
Pillar — Digital Infrastructure Realignment: Jakarta’s fintech and startup ecosystem deepens the bloc’s digital transformation agenda, advancing non-Western innovation hubs.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
Watcher.Guru – “Jakarta Claims World’s Largest Urban Title As Indonesia Joins BRICS”
The Jakarta Post – “Greater Jakarta becomes world’s most populous megacity”
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