Iso20220 Thoughts from Dave at XRP-Lion.

Iso20220 Thoughts from Dave at XRP-Lion.

 11-21-2025

BREAKING: ISO 20022 Shuts Off The Fiat System Forever.

The Truth About November 22, 2025: ISO 20022 Begins—and the Fiat System Reaches Its End

On November 22, 2025, the global financial system crossed a threshold it cannot return from.

This is the date when ISO 20022—the world’s new financial messaging standard—completes its migration across all major banking rails.

This isn’t speculation.

This isn't a theory.

This is a published, locked-in global transition date.

But what most people fail to understand is what ISO 20022 truly means for the legacy financial system.

It does not strengthen it.

It does not save it.

It does not provide stability.

ISO 20022 exposes it.

And that exposure is fatal.

 ~~~~~~~~~~~

1. What ISO 20022 Actually Does

 ISO 20022 is not a currency.

It is not a blockchain.

It is not a digital asset.

ISO 20022 is a messaging standard—a universal language that dictates how banks communicate payment information.

~~~~~~~~~~~

On 11/22/25, the following systems finalize their transition:

 SWIFT 

Federal Reserve payment systems

The European Central Bank

Bank of England

BRICS settlement networks

IMF rails

 All cross-border high-value payment systems

 For the first time in history, every major financial institution will speak the same transactional language.

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

 This has two immediate consequences:

A)   Real-time transparency

 Every payment instruction, every field, every metadata tag is standardized.

 B) No place to hide

 Technical excuses disappear.

Legacy formatting disappears.

Opaque message structures disappear.

The entire monetary system becomes visible.

And visibility is the fiat system’s greatest weakness. 

~~~~~~~~~~

2. Tokenization Doesn’t Save Fiat—It Exposes the Illusion

 Many people think the solution for banks is “tokenized deposits.”

But tokenized deposits are simply the same fiat IOUs—digitized.

They remain:

 100% debt-backed

 0% gold-backed

 liabilities of the issuing bank

 dependent on a collapsing fiat system

 non-compliant with any hard-asset requirements

Digitizing a broken foundation does not repair the foundation.

 ~~~~~~~~~~~~~

ISO 20022 makes it even more obvious that fiat is:

unbacked

overleveraged

hyper-fractionalized

 dependent on endless debt creation

 This is why the old system cannot cross into the new one.

 3. ISO 20022 Makes Fractional Reserve Impossible to Hide

 Once standardized metadata exposes:

 rehypothecation

 synthetic collateral

 multi-layered leverage

 off-balance-sheet liquidity swapping

 internal settlement gaps

 derivative mismatches

 …the entire façade collapses.

 ~~~~~~~~~~~

Under MT103/202 legacy Rails, banks could hide.

Under ISO 20022, they cannot.

Every missing dollar becomes visible.

Every liability becomes trackable.

Every liquidity shortfall becomes undeniable.

It is the equivalent of turning all the lights on in a dark warehouse.

The fiat system is caught completely naked.

 ~~~~~~~~~~~~

4. Why This Matters in the Transition to the Quantum Financial System (QFS)

 From a strategic standpoint, ISO 20022 is the final step needed before major sovereign systems shift into asset-backed settlement.

Within the quantum framework:

 209 BRICS nations have already adopted 100% gold-backed rails.

 XRP, in its role as digital asset collateral, forms the QGLR backbone.

 StarLink transmits 3D data flows into 5D quantum verification.

 Gatekeeper AI™ evaluates intent, purity, and legitimacy of all transactions.

 RLUSD(G) becomes the only Basel IV-compliant, asset-backed settlement instrument for banks and credit unions.

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

 ISO 20022 is not the QFS.

But it enables the QFS to read every legacy transaction with perfect clarity.

This is why it had to happen before anything else.

 ~~~~~~~~~~~

5. What Happens Next: The Fiat System Runs Out of Time

Once the cutover is complete on 11/22/25:

The debt-based monetary system has nowhere to hide.

Every insolvency becomes transparent.

Every derivative mismatch becomes obvious.

Fractional reserve systems can no longer mask liquidity holes.

Banks cannot create synthetic credit behind opaque SWIFT messages.

 The legacy system becomes fully exposed, fully traceable, and fully unsustainable.

 Digitized fiat cannot enter a quantum-secured environment.

 Only hard-asset, gold-backed instruments can.

Which is why the transition to USD(G) and full QFS integration becomes inevitable.

Conclusion: ISO 20022 Doesn’t Save Fiat—It Ends It

 ~~~~~~~~~~

The mainstream narrative says ISO 20022 is an upgrade.

It is—but not for fiat.

It is an upgrade for visibility, for enforcement, for accountability, and for the incoming asset-backed system.

 ~~~~~~~~~~

On November 22, 2025, the old system became transparent…and because it is built entirely on debt, leverage, and fractional illusions…transparency guarantees its collapse.

Summary Statement

 ISO 20022 doesn’t upgrade the fiat system — it exposes it.

And once the world switches to ISO 20022, the legacy fiat system and all its tokenized versions are effectively finished forever.

Why?  Because ISO 20022:

standardizes every transaction

illuminates every liability

reveals every hidden liquidity gap

 exposes fractional-reserve fraud

 destroys opacity in banking ends the ability to mask synthetic credit

 When the lights turn on, the old system cannot survive.

You cannot tokenize debt and pretend it becomes an asset.

 ~~~~~~~~~~~~

ISO 20022 marks the moment when the world sees the truth:

The fiat system was never backed by hard value — only debt.

And under full transparency, debt collapses.

As a result:

The fiat system cannot function.

Tokenized fiat cannot function.

CBDCs cannot function.

Fractional-reserve instruments cannot function.

Debt-based rails cannot cross into QFS.

ISO 20022 permanently shuts down the old system and every tokenized version of it.

Only hard-backed, quantum-secured, asset-based value survives on the new rails.

 @DavidXRPLion

 Iraq:  Iraq is now officially connected to the ISO 20022.  This, fam, is hugely significant.  Remember it is XRP that’is fully ISO 20022 Compliant.  THIS IS HUGE. 

Seeds of Wisdom RV and Economics Updates Saturday Morning 11-22-25

Good Morning Dinar Recaps,

ISO 20022 Goes Live: The New Global Language of Finance Arrives
The world shifts to a unified, data-rich messaging standard powering the next generation of payments.

Overview

• ISO 20022 officially replaces older payment-message formats, bringing a universal, structured XML standard to global finance.

• Banks, payment systems, and central infrastructures now communicate using a harmonized data language—reducing errors, delays, and manual interventions.

• Both domestic and cross-border systems adopt the standard, including Fedwire, FedNow, SEPA, CHAPS, TARGET2, and SWIFT’s CBPR+ environment.

• The November 2025 SWIFT deadline ends the coexistence period, making ISO 20022 mandatory for most global payments.

• Richer data fields improve transparency, fraud detection, sanctions screening, and automated reconciliation for businesses and banks.

Key Developments

• A Universal Financial Language
  ISO 20022 replaces fragmented legacy formats (like SWIFT MT messages) with a modern, structured XML format capable of carrying far more detailed data—street names, building numbers, invoice IDs, purpose codes, and more.

• End-to-End Interoperability
  With every major payment rail moving to the same data standard, financial institutions can “speak the same language.” This eliminates translation errors and enables seamless communication between countries, banks, and payment networks.

• Boosted Automation and Reduced Costs
  The consistency of ISO 20022 enables true straight-through processing. Messages flow from sender to receiver without losing data. Fewer manual fixes mean faster payments and lower operational costs for institutions.

• Enhancing Compliance and Fraud Detection
  Richer data allows automated systems to screen for sanctions, monitor suspicious activity, and reduce false flags that delay transfers. Regulators gain clearer insights into transaction flows across borders.

• Not Just for Cross-Border Payments
  Although SWIFT’s cross-border migration gains attention, ISO 20022 is equally transforming domestic payment systems. Fedwire, FedNow, SEPA, TARGET2, CHIPS, and CHAPS either migrated or are finalizing their transitions.

• Not a Crypto Standard — But Crypto Can Integrate
  ISO 20022 is designed for traditional finance, not cryptocurrency tokens. No crypto asset is “ISO 20022 compliant.”
  However, blockchain platforms that want to integrate with banking systems may adopt its message formats for smoother interoperability.

• A Technology Upgrade, Not a New Financial System
  ISO 20022 does not replace SWIFT, Fedwire, banks, or settlement rails.
  It is the language they use—enabling modernization without rebuilding the global financial architecture.

Why It Matters

ISO 20022 represents one of the most significant upgrades to the global financial system in decades. By standardizing how payment information is structured and transmitted, it strengthens transparency, reduces friction, improves global compliance, and sets the stage for advanced automation. For everyday users, this means faster, more accurate, and more traceable payments—while institutions gain the data foundation needed for next-generation financial services and digital-asset integration.

Implications for the Global Reset

Pillar: Digital Payments Infrastructure
ISO 20022 is one of the backbone technologies enabling the shift toward high-speed, data-rich, globally connected payment systems. Its adoption supports interoperability between central banks, commercial banks, payment rails, and future digital currencies.

Pillar: Regulatory Transparency & Financial Crime Prevention
The move toward structured, granular data strengthens compliance regimes worldwide. Regulators gain unprecedented visibility into flows of money—an essential requirement for the more transparent, interoperable system emerging across global markets.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• NICE Actimize – “Preparing for the ISO 20022 November 2025 Deadline”

• Integrated Research – “What Is ISO 20022 and How Is It Changing?”

• FNBO – “Fedwire’s Move to ISO 20022: What It Means for Your Business”

• SWIFT – ISO 20022 Migration Resources

• U.S. Federal Reserve – Fedwire ISO 20022 Migration Updates

~~~~~~~~~~

Central & South Asia: A Region on the Edge of Transformation
Economic surge, strategic competition, and renewed conflicts reshape the Eurasian heartland.

Overview

• Rapid economic and demographic growth in Central Asian states is raising the region’s global strategic significance.

• Intensifying great power competition: Russia, China, India, Iran, and the United States are increasing political and economic engagement.

• Renewed India–Pakistan hostilities and ongoing Afghan–Pakistani tensions produce security risks for South Asia and spillover effects into Central Asia.

• Shifting trade patterns: Afghanistan is pursuing closer ties with Central Asia to reduce dependency on Pakistan.

• Regional stability now hinges on diplomacy, economic diversification, and external actors’ policies.

Key Developments

• Strong Central Asian Growth
  Central Asia recorded above-average GDP expansion in 2024, with Uzbekistan, Kazakhstan, Tajikistan, and Kyrgyzstan registering growth rates that surpass many other regions—driven by resource exports, investment, and demographic gains.

• US Engagement and the C5 Summit
  The recent C5 meeting hosted at the White House underscores renewed American strategic attention; Washington seeks to shape economic and security cooperation across the five Central Asian states.

• India–Pakistan Escalation
  The May 2025 Operation Sindoor and attendant clashes revived the most serious India–Pakistan confrontation in years. Both capitals are modernizing forces and preparing for potential future escalations.

• Afghanistan–Pakistan Breakdown
  Relations between Kabul and Islamabad have deteriorated since the Taliban’s return to power. Border clashes, trade closures, and diplomatic friction are driving Afghanistan to diversify trade toward Central Asian partners.

• Trade Realignment and Economic Interdependence
  Afghanistan–Central Asia trade approaches $1.7 billion and is growing. Kazakhstan and Uzbekistan emerge as key partners, with bilateral roadmaps targeting substantial trade increases.

Why It Matters

Central and South Asia sit at a strategic fulcrum between Europe, East Asia, and the Middle East. Rapid economic expansion in Central Asia creates new markets, labor pools, and resource corridors—but this growth occurs amid intensifying geopolitical rivalry and fresh security shocks.

For investors, policymakers, and regional stakeholders, these trends offer opportunities (trade, infrastructure, and energy cooperation) and risks (military escalation, refugee flows, and supply-chain disruptions). The balance between outside influence and local statecraft will largely determine whether the region becomes a stable growth corridor or a persistent zone of confrontation.

Implications for the Global Reset

Pillar: Geoeconomic Realignment
Central Asia’s rising GDP and demographic weight feed into a broader geoeconomic shift—new trade corridors, alternative energy linkages, and investment flows will reshape Eurasian connectivity and the global distribution of economic power.

Pillar: Security & Governance
The fusion of authoritarian stability and rapid growth in some states creates governance dynamics that external powers will seek to influence. Stronger surveillance of border security, arms modernizations, and regional rivalries could catalyze new alignments and alter global defense posture.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Modern Diplomacy – “Central and South Asia on the Path of Transformation and Conflicts”

• Reuters – “Afghanistan-Pakistan peace talks collapse, ceasefire continues, Taliban says” 

• World Bank – “Central Asia Economic Update 2024–2025”

• Stimson Center – “Four Days in May: The India-Pakistan Crisis of 2025”

~~~~~~~~~~

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

Why Chinese Billionaires Just Dumped $47 Billion Into Gold (2026 Crash Warning)

Why Chinese Billionaires Just Dumped $47 Billion Into Gold (2026 Crash Warning)

Financial Insight:  11-20-2025

In Q3 2025, Chinese billionaires moved $47 billion out of US stocks into physical gold — the largest capital flight since 2007.

This isn't just portfolio rebalancing. It's the exact same pattern that happened 12-18 months before the 2008 financial crisis when Chinese investors sold $31 billion in US equities right before the S&P 500 crashed 57%.

The wealthiest investors in China have access to real-time manufacturing data, banking intelligence, and government information that Western retail investors never see.

When they spot a crisis coming, they act first. In 2006-2007, they quietly exited before Lehman Brothers collapsed. Now they're doing it again in 2025.

 This video breaks down:

✅ The $47.2 billion capital flight (official data from Q3 2025)

✅ Why this mirrors the 2007 warning signal before the crash

✅ The four systemic risks Chinese billionaires see coming

✅ Why they're choosing gold specifically (and gold's performance in past crashes)

✅ The three waves of capital flight (we're only in Wave 1

✅ Exact portfolio allocation strategy to protect yourself

✅ Timeline: Q2 2026 expected crash based on historical patterns Chinese manufacturers are seeing AI chip orders decline 22% — six months before it shows up in corporate earnings.

They're watching US debt hit $35.7 trillion (130% of GDP).

 They're preparing for potential asset seizures as US-China tensions rise.

And they're front-running the dollar's decline as a reserve currency.

The smart money is moving. The only question is: will you listen this time, or will you be another retail investor who learns too late that when billionaires run for the exits, you should too?

https://www.youtube.com/watch?v=7NiSLQC-XNQ

FRANK26….11-21-25……AKI ANSWERED

KTFA

Friday Night Video

FRANK26….11-21-25……AKI ANSWERED

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=WmEK1JRNwMI

Seeds of Wisdom RV and Economics Updates Friday Afternoon 11-21-25

Good Afternoon Dinar Recaps,

Diplomacy & Peace — Saudi-US and Regional Diplomatic Moves Reconfigure Influence

High-level security and investment pacts — plus mediation signals — reshape regional alignments.

Overview

• The U.S. and Saudi announcements this week (large investment commitments, defense status moves and aircraft/air-mobility pacts) indicate a deepening strategic tie with broad economic implications. 

• Iran has reportedly sought Saudi mediation to re-engage the U.S. on stalled nuclear talks, signalling a possible regional diplomatic opening. 

Key Developments

• U.S.–Saudi: reporting indicates commitments of large Saudi spending across energy, defence and tech and moves to elevate cooperation — potentially including F-35/defense equipment pathways. 

• Saudi tech/aviation deals: agreements to trial eVTOL/air-taxi operations with Archer and PIF-owned operators point to industrial and mobility cooperation announced at regional events. Iran outreach to Riyadh asking for mediation with Washington could reopen diplomatic channels over the nuclear dossier if Saudi leverage proves effective. 

Why it matters
Major security and investment pacts shift political-economic alliances, affect energy and defence planning, and can rewire trade and settlement preferences — all central to the geopolitical layer of the Global Reset.

Implications for the Global Reset

• Pillar: Diplomacy & Peace — Strategic Realignment: Security designations and mega-investment pledges increase the economic leverage of states and can accelerate alternative trade/settlement arrangements.

• Pillar: Finance & Markets: Diplomatic deals influence sovereign risk assessments, foreign direct investment flows, and regional banking relationships.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “US secures $1 trillion Saudi spending commitments spanning nuclear energy to F-35s” 

• Politico – “Trump elevates Saudi Arabia to 'major non-NATO ally' status” 

• Reuters – “Archer partners with Saudi entities to develop and test air-taxi operations” 

• Reuters – “Edgy Iran seeks Saudi leverage to revive stalled nuclear talks with US” 

~~~~~~~~~~

BRICS NEWS: De-dollarisation Progress and Practical Limits

Bilateral local-currency trade and critical-minerals deals advance, but unified de-dollarisation remains complex.

Overview

• BRICS and several emerging-market actions continue to expand local-currency settlement and bilateral trade arrangements — but analysts caution about practical limits to a rapid global de-dollarisation. 

• South Africa and the EU signed a critical-minerals deal this week, tying trade and supply-chain policy into strategic currency and trade discussions. 

Key Developments

• BRICS local settlement: increased bilateral local-currency trade agreements recorded across several members, but experts note a gap between bilateral deals and a unified alternative payments architecture. 

• South Africa–EU critical minerals pact includes cooperation clauses that protect supply lines and strengthen trade-linkage resilience — part of a broader re-tooling of trade corridors. 

Why it matters
Practical progress on local-currency trade and critical-minerals security reduces reliance on single-currency supply chains and encourages the development of alternative settlement systems — an operational pillar of the Global Reset even if full de-dollarisation remains aspirational.

Implications for the Global Reset

• Pillar: Currency — Payments & Settlement: Bilateral settlements and trade agreements build the plumbing for reduced dollar dependence, but scalability and network effects remain hurdles.

• Pillar: Markets/Metals: Strategic minerals and reserve assets interplay as countries hedge currency and industrial risks.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher Guru – “BRICS De-Dollarization Faces a Reality Check” 

• Lowy Institute – “A reality check for BRICS and the lofty dedollarisation agenda” 

• Reuters – “South Africa, EU sign critical minerals deal, vow to defend multilateralism” 

~~~~~~~~~~

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

An Urgent, Unplanned Fed Meeting Just Happened – Something Is Breaking

An Urgent, Unplanned Fed Meeting Just Happened – Something Is Breaking | Michelle Makori

Miles Franklin Media:  11-20-2025

Michelle Makori, President & Editor-in-Chief of Miles Franklin Media, breaks down a quiet, unplanned meeting the Federal Reserve held with America’s top primary dealers and why it signals growing stress in the financial system.

Michelle explains what a repo market is, why the strain is returning to levels last seen in 2018-2019 and why the Standing Repo Facility – created specifically to stop crises – isn’t being used.

This is a warning shot from deep inside the plumbing of the financial system and it matters for every asset class.

Watch Michelle’s full breakdown to understand what’s coming next and why something in the system is already cracking.

00:00 Introduction: The Secret Meeting at the New York Fed

 00:50 Understanding the Repo Market

 02:03 Back to the New York Fed Meeting

02:35 The Fed's Standing Repo Facility

03:12 Liquidity Injection & Its Impact

 04:59 The Fed's Next Moves

05:37 Gold & Market Instability

06:33 Conclusion: The Real Story

https://www.youtube.com/watch?v=3-DevHTCAP8

News, Rumors and Opinions Friday 11-21-2025

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 Fri. 21 Nov. 2025

Compiled Fri. 21 Nov. 2025 12:01 am EST by Judy Byington

Judy Note on Possible Timing of Restored Republic via a GCR: The below is a compilation of five valid sources’ opinions on the roll out of the Restored Republic and new Global Financial System. Please treat as rumor as the Intel changes daily, sometimes hourly, or even by the minute, plus only a select one or two were authorized to expose certain Intel, or exact timing:

Fri. 21 Nov. 2025 Iraqi magazine exposes new Dinar rates, coordinating with Starlink-protected exchanges for Tier 4B patriots. Sudani’s rate announcement hits Iraqi media, confirming Dinar revaluation and signaling BRICS gold integration for VND and ZIM parity.

On Sat. 22 Nov. 2025 the Cabal’s fiat currency SWIFT System expires and the RV/GCR launches, triggering a full GCR rollout. Military-protected Redemption centers will open nationwide for Dinar and Dong holders, the Dinar anchoring RV/GCR launch under ISO 20022 compliance, forcing fiat systems into asset-backed parity. Global desks brace for FX liquidity shift, as Asia and Europe tighten compliance, paving way for seamless asset-backed transitions.

The Sat. 22 Nov. 2025 launch of ISO2002 shuts down the fiat currency system. https://x.com/DavidXRPLion/status/1991451346822930802?s=20

Mon. 24 Nov. 2025 Iraq compliance verified under IMF/BIS reports, green lighting Dinar Forex visibility and igniting prosperity fund distributions.

Tues. 25 Nov. 2025 Redemption Centers officially open nationwide. Tier4b notification (Us, the Internet Group who hold foreign currencies and Zim Bonds) will be sent out in order to set exchange/redemption appointments. The Military and Starlink Satellite System will be protecting exchanges.

Thurs. 27 Nov. 2025 (Thanksgiving) Trump makes Restored Republic and Worldwide Gold Standard announcements.

In Dec. 2025 The Storm peaks with full collapse of the fiat system. Fed goes dark. BRICS gold-backed system dominates, rejecting shotgun narratives for phased RV execution tied to commodity demand spikes.

Starting Mon. 1 Dec. 2025 Nesara/Gesara activates through Trump’s Tariff payments, wiping out the national debt and distributing $2,000 directly to Americans via the QFS. NESARA/GESARA provisions deploy via the QFS, distributing wealth redistribution funds to eligible nations instantly, stabilizing economies with photonic encryption.

Wed. 10 Dec. 2025: BRICS Nations finalize gold-backed currency integration, accelerating Global de-dolarization, seizing Elite funds for Global reparations and enforcing VIP arrests under GESARA Law with QFS Blockchain security. BRICS alliance enforces 1:1 currency parity, accelerating de-dollarization and channeling seized c***l assets into sovereign wealth funds.

In early 2026 Global wealth reallocation peaks, pegging currencies to sovereign memory rather than elite control, fulfilling NESARA jubilee mandates. Federal Reserve crumbles under QFS protocols, replaced by decentralized asset-backed digital currencies, eliminating IRS and shadow government control.

Sun. 1 Feb. 2026 Global Currency Reset initiates under QFS override, erasing legacy debt and transitioning 209 countries to multipolar sovereignty.

In Summary:

Over 200 nations lock into QFS gold parity, rendering fiat systems obsolete and initiating unbreakable blockchain security.

Humanitarian vaults expand with seized assets routing to verified accounts, erasing manufactured poverty forever.

Quantum Financial System activation accelerates as blackout protocols engage worldwide, severing Deepstate banking control by December 2025.

NESARA/GESARA enforcement triggers the largest wealth redistribution in history, reclaiming trillions from elite vaults for direct citizen credits starting mid-December 2025.

The Great Awakening surges as hidden technologies release, propelling humanity into an era of abundance and sovereignty.

Read full post here”  https://dinarchronicles.com/2025/11/21/restored-republic-via-a-gcr-update-as-of-november-21-2025/

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

Militia Man  The HCL...everybody thinks that we have to wait for that.  I don't believe that's the case and here's why.  Governor Alaq has full legal power to change the exchange rate any single day he wants.  There's no vote required.  Central Bank law number 56 of 2004, article 27 - The CBI board alone decides the rate.  Parliament cannot stop him.  He has already  done it twice in 2021 and 2023.  He can do it again tomorrow morning if he chooses...You don't have to worry about parliament  because [the hcl] is going to take place afterwards...once Alaq does a real effective exchange rate.

Frank26   [Iraq boots-on-the-ground report]    OMAR: The Central Bank of Iraq has confirmed they're moving forward with the plan of dropping the zeros from their currency.  This means they are re-denominating the dinar...They haven't provided a strict timeline yet.  FRANK:  Yes they are...They're going to get rid of the 3 zero currency notes and replace them with lower notes.  That is the definition of a Re-denominating...All we need is a date for this mountain of promises.

Mnt Goat  On my Wednesday call to Iraq I was told that we should look for more directions from the CBI to the citizens on how to switch out their larger notes for the lower denominations. My CBI contact refused to give me an exact date as to when the switchout would occur but my common sense says it is VERY close as the CBI is going to publish the directions for the switchout.   I was also told to watch for the Al-Sudani government and the completion of it.  I was also reminded to watch for further information about the accession to the WTO, which I was reminded would be a signal to us...

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

SILVER ALERT! Are You Ready for a 1-to-1 Gold/Silver Ratio?! Here's How it Will Happen!

(Bix Weir) 11-20-2025

Talk about CRAZY DAYZ in the Silver business! For the past 3 months the amount of Silver Imported into India has about DOUBLED for each consecutive month as the price was RISING!

This is unheard of and yet NOBODY in the Silver world is talking about it! WHERE ARE THE SILVER MOUTHPIECES THIS TIME?

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

Seeds of Wisdom RV and Economics Updates Friday Morning 11-21-25

Good Morning Dinar Recaps,

Surging Long-Term Yields Tighten Global Credit Conditions

Longer-dated sovereign yields climb as rate-cut hopes fade, raising funding costs for governments and corporates.

Overview

• U.S. Treasury and global sovereign yields ticked higher after Fed minutes and mixed economic data showed less clarity on near-term rate cuts. 

• Japan’s long-dated yields have jumped to multi-year highs, adding stress to global fixed-income markets and swap curves. 

Key Developments

• Fed minutes signalled committee members remain split on the timing of cuts, prompting investors to reprice expectations and send yields up across the curve.

• Japan: 20– and 30-year yields reached the highest levels seen in years amid concerns over stimulus size and fiscal financing. 

Why it matters
Rising long-term yields increase the cost of borrowing for sovereigns and corporates, reduce liquidity for risk assets, and can accelerate balance-sheet stress in highly levered sectors — a key channel through which monetary policy and fiscal choices feed into the Global Reset.

Implications for the Global Reset

• Pillar: Finance — Liquidity & Credit: Higher yields compress margins for banks and increase rollover risk for governments leaning on debt markets.

• Pillar: Markets: Equity risk premia may widen if yields remain elevated and cut expectations slip.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Barron's – “U.S. Treasury yields edged higher after Fed minutes” 

• Yahoo Finance – “Japan's Yield Shock Threatens Global Markets” 

• Wall Street Journal – “Japan Bond Yields Rise as Likely Stimulus Package Sparks Fiscal Concerns” The Wall Street Journal

~~~~~~~~~~

Tech-Led Rally Reverses, Liquidity Strains Reappear

Volatility returns as AI optimism meets valuation and liquidity concerns.

Overview

• U.S. equities experienced a sharp intraday reversal after early gains driven by AI-sector strength; the S&P and Nasdaq closed materially lower on renewed risk-aversion. 

• VIX spiked and risk assets including crypto sold off as liquidity dried in the middle of the session.

Key Developments

• Nvidia earnings initially buoyed the sector but the rally faded, exposing limited market depth and sector concentration risk. 

• Macro datapoints (jobs and Fed signaling) left traders uncertain about the timing of rate cuts, intensifying flow reversals into safe havens. 

Why it matters
Rapid reversals amplify the feedback loop between asset prices, margin requirements, and liquidity providers — increasing the probability of disorderly moves that can transmit into funding markets and core credit, a core feature of the Global Reset dynamics.

Implications for the Global Reset

• Pillar: Markets — Liquidity & Structure: Higher volatility forces deleveraging, narrows bid-ask spreads, and punishes concentrated positions.

• Pillar: Finance: Market stress often presages tighter credit conditions and raises the cost of balance-sheet adjustment.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• MarketWatch – “Stocks see biggest intraday selloff since April…” 

• Financial Times – “US tech stocks slide as jolt of volatility hits Wall Street” 

• Reuters – “S&P 500, Nasdaq futures under pressure as tech selloff continues”  

~~~~~~~~~~

Central-Bank Gold Buying and Strategic Accumulation Continue

Reserve managers keep adding gold while national banks step up domestic gold operations.

Overview

• Major banks and research houses continue to flag ongoing central-bank accumulation of gold as a strategic reserve diversification trend. 

• Russia and other producers report increased central-bank activity in gold operations and domestic flows. 

Key Developments

• Goldman Sachs: research notes show central-bank purchases sustaining elevated demand and bullish price forecasts into 2026. 

• Russia’s central bank said gold-related operations are increasing, reinforcing the narrative of reserve diversification in emerging-market policy circles. 

• Price action: short-term moves show sensitivity to U.S. jobs and rate-cut expectations; this week gold traded with intraday swings tied to macro prints. 

Why it matters
Sustained central-bank accumulation compresses available above-ground supply for private buyers, inflates strategic asset prices, and signals a structural shift in reserve composition away from pure dollar liquidity — a foundational change for the Global Reset.

Implications for the Global Reset

• Pillar: Metals — Reserve Recomposition: Centrality of gold as a reserve asset strengthens alternatives to purely dollar-centric reserves.

• Pillar: Currency: As central banks diversify, coordinated currency strategies and settlement systems may accelerate.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Goldman Sachs sees continued central bank gold buying in November” 

• Reuters – “Russia's central bank says its operations with gold are increasing”

• Reuters – “Gold falls 1%, poised for weekly loss as US jobs data dims rate-cut hopes” 

~~~~~~~~~~

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“Tidbits From TNT” Friday Morning 11-21-2025

TNT:

Tishwash:  Learn about the "secret operations room" that monitors the pulse of the Iraqi economy and protects the dinar from fluctuations.

 While the domestic debate continues regarding the exchange rate and the future of the dinar, the Central Bank of Iraq's recent statement on the tasks of its Investment Department has revealed another dimension to the monetary landscape—one that is deeper, less visible, yet highly influential.

This department, which manages foreign reserves and balances global market risks, is now described by economists as the "silent backbone" of the Iraqi economy, alongside oil, and the foundation upon which the most significant financial transformations underway in the country are taking place.

Economic expert Nasser al-Tamimi confirmed to Baghdad Today that the department has transformed in recent years from a traditional bureaucratic unit into a true center of gravity, preserving the stability of public finances and defining the Central Bank's room for maneuver in the foreign exchange market. He told Baghdad Today that the prudent management of foreign assets—from government bonds to gold, deposits, and low-risk instruments—has enabled Iraq to weather the waves of global market turmoil and mitigated the impact on the dinar and the country's financial balance.

The Central Bank's technical statement, while employing specialized language regarding balances, transfers, and investment plans, nonetheless attracted the attention of international experts who analyzed its implicit messages. Bankers point out that the Central Bank's explicit declaration that the department's activities aim to stabilize the exchange rate does not necessarily mean an immediate appreciation of the dinar.

However, it is a strong indication that preparations for a stable monetary reform have effectively begun. These experts believe the Central Bank is waiting for the "safest moment" to take any significant steps, given the extreme sensitivity of the Iraqi market.

Any adjustment to the exchange rate system—whether an appreciation or a restructuring—requires a robust structure capable of absorbing shocks.

At the heart of this shift, two phrases in the Central Bank's statement caught the attention of experts: "operational continuity" and "risks associated with oil revenue currencies."

These are phrases typically used in international contexts related to deep monetary reforms and preparing for potential fluctuations that may accompany opening up to global markets.

 Specialists interpret this as part of restructuring Iraq's financial sector infrastructure in line with IMF recommendations, the requirements for joining the World Trade Organization, and gradual integration into the global financial system.

However, the most sensitive transformation is not limited to the investment sector alone, but encompasses an entire system being developed in parallel.

 Starting Saturday (November 22), all cross-border payments in Iraq will transition to the ISO 20022 standard, the system adopted by the most advanced economies. Furthermore, all banks in Iraq have been mandated to finalize their capital plans according to the ICAAP model and undergo rigorous stress tests to demonstrate their ability to withstand exchange rate fluctuations of up to 30%, a collapse in oil prices, or a sudden run on deposits, while maintaining their solvency.

Economists believe these two steps are not merely technical updates, but rather represent—quite literally—the final two key conditions that the International Monetary Fund, the US Treasury Department, the Bank for International Settlements, and major correspondent banks in New York and London stipulated must be met before Iraq could fully participate in the international foreign exchange market.

They emphasize that the fundamental problem with the dinar today is not its market value, but rather that Iraq remains "blocked" from the global exchange market, and that adopting Basel III-ICAAP and ISO 20022 standards is what will pave the way for gradually lifting this blockade.

Analyses indicate that the Iraqi dinar remains trapped in a restricted market, unable to be traded in large quantities except through the daily dollar auction. Furthermore, prior to adhering to the new standards, local banks appeared structurally unstable to international banks, and their payment channels relied on outdated SWIFT systems dating back three decades, placing them under suspicion of money laundering.

Now, with banks required to disclose their actual capacity to absorb shocks, the pretext that prevented major international dealers from dealing directly in dinars is diminishing.

In this context, experts believe that Iraq is nearing the end of the "forced peg" of its exchange rate, which effectively began in October 2021 when it was announced that "the rate will remain fixed until 2025."

With this date approaching and the technical requirements for monetary reform being finalized, some believe that Iraq may be entering a new phase that might not be a direct revaluation of the dinar, but which will at least pave the way for a more stable and transparent exchange market.

Al-Tamimi concludes by saying, “Oil provides the funds, but it is the investment department that ensures those funds are not lost to market fluctuations.”

He adds that the next phase may witness an expansion of the department’s role in regulating monetary policy, and that the strength of reserves and the stability of the banking sector will be the most decisive factors in the future of the dinar. link

Tishwash:  A highly anticipated US visit and Savaya's appearance at the Pentagon send strong messages about a "completely different phase" in Iraq.

What does Washington have up its sleeve?

Baghdad is preparing to receive a high-level American delegation in the coming days, at a time that suggests Washington has decided to move from a phase of quiet observation to one of targeted intervention, coinciding with the redrawing of the power map after the elections.

The visit comes as the controversy surrounding the surprise appearance of US Special Envoy Mark Savaya at the Pentagon has yet to subside, less than four hours after the same coordinating body announced its formation as the "largest bloc"—a move widely interpreted as a direct political message rather than a routine meeting.

Political sources confirmed to Baghdad Today that the American delegation's visit is not merely a protocol visit, but rather carries a clear position regarding the formation of the next government. Washington wants a stable and effective government that does not reflect parallel power structures.

 The US administration believes its political and economic support is contingent on Baghdad's ability to establish a governing framework that prevents armed groups from influencing executive decisions and ensures that the instruments of power remain solely in the hands of state institutions.

Behind these messages lies the issue of uncontrolled weapons, a central focus of the American approach. Washington believes the incoming government will face a direct test regarding the role of factions within the political process, the nature of their participation in governance, and the limits of their security influence.

Diplomatic sources believe the United States wants clear commitments before fully recognizing the new government and may escalate pressure if it perceives the political equation as shifting toward a factional government with significant parliamentary influence.

The economic dimensions are equally, and perhaps even more, present than they appear on the surface. The US administration is preparing to revive major projects such as investment in Baghdad International Airport, which has returned to the forefront as a strategic project no less important than oil and energy.

There is talk within US circles of a desire to develop the airport through operational and investment partnerships that would provide it with an advanced operational infrastructure and connect it to a broader network of commercial air transport. There is also a push to expand US investment in oil and gas fields and to develop the energy, transportation, and port sectors, as these are considered key to long-term economic stability in Iraq.

The appearance of Savaya within the Pentagon has given these files an added dimension. International relations expert Hussein al-Asaad, speaking to Baghdad Today, believes that placing the Iraqi file on the desk of the Secretary of Defense, rather than the State Department, reflects a shift in Iraq's focus from diplomatic discussions to direct U.S. national security concerns.

Al-Asaad explains this shift as a result of growing anxiety in Washington regarding the future of foreign forces, the activities of armed factions, threats related to regional conflict, and the nature of the next government and the potential changes it might bring to the balance of power.

Al-Asaad points out that Savaya, with his economic background, represents a bridge between the security and investment sectors, making his presence at the Department of Defense a sign that Washington is now dealing with the Iraqi file as a complex issue that combines security, politics, and economics. From this perspective, the United States' aspiration to restructure its economic presence in Iraq is no longer separate from its security vision, but rather complements it.

As for the timing, diplomatic sources confirmed to Baghdad Today that publishing photos of the meeting just hours after the announcement of the "largest bloc" coordination framework was not a spontaneous move. According to these sources, Washington wanted to send a clear signal to the political forces that the formation of the next government would be under direct scrutiny, and that the United States would not be lenient with any political formula that weakens the state or opens the door to unchecked influence.

Observers believe that Iraq finds itself at a critical juncture with multifaceted dimensions. Political forces are moving towards forming a government that, thus far, appears to lean heavily towards the influence of armed factions. Washington is intensifying its messaging through the anticipated visit and the movements of the Savaya delegation. Economic issues are resurfacing strongly, from the airport to the oil fields to energy projects. And the regional environment is exerting significant pressure on the shape of future policies in Baghdad.

Between these overlapping circles, the next phase appears governed by a delicate equation: no governmental stability without calming the security situation, no international support without a clear economic vision, and no internal balance without redefining the boundaries of political and military influence. At the heart of this equation, the United States stands closer than ever to the government formation process, at a moment when the first outlines of the coming years are being drawn.   link

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Tishwash: Kurdistan Finance Ministry: Salaries of those not registered in the "My Account" project will be suspended at the end of this year.

The Ministry of Finance and Economy of the Kurdistan Regional Government announced on Thursday that the salaries of civilian and military employees who have not registered themselves in the "My Account" project will be suspended based on a decision by the Federal Ministry of Finance.

The ministry said in a statement seen by “Al-Eqtisad News” that all employees, security affiliates and beneficiary families who have not yet filled out the “My Account” project form will have their salaries suspended when the September salary is disbursed until the form is completed.

She noted that families whose bank card procedures have been completed but who have not yet received their cards must visit the banks to receive them, indicating that the October salary will be disbursed exclusively through the "My Account" project.

 The Ministry of Finance confirmed that about 90% of the employees of the Kurdistan Region, both civilian and military, in addition to those receiving salaries, have completed the registration process, while some of them are still not registered.

She explained that, according to the decision of the Federal Ministry of Finance, any employee or beneficiary in the region who does not have a bank account and does not register in the “My Account” project by the end of this year will have their salaries suspended from Baghdad and will not be disbursed in the region.

She pointed out that the disbursement of salaries after the beginning of next year will not be in cash at all, and that anyone who causes a delay in the registration procedures will bear the legal and administrative responsibility  link

Mot:  Why Do You Do That!!!??? 

Mot:  Real Life is Getting Stranger every Day  

3 Ways To Overcome Fear of Spending in Retirement, According to a Financial Expert

3 Ways To Overcome Fear of Spending in Retirement, According to a Financial Expert

T. Woods    GOBankingRates

James Canole is the founder of the financial advice website Root Financial Partners, and is a CFP professional/financial advisor whose podcast, “Ready for Retirement,” helps guide people toward a comfortable and prosperous nest egg for their retirement years.

On a recent episode of his podcast series, Canole spoke to a retiree facing a fundamental challenge: how to comfortably spend money in your retirement.

Canole introduced his guest, “Ben,” as a man who “saved aggressively” so that he could retire at the age of 53. However, while Ben is enjoying his retirement, he’s found it incredibly difficult to spend money on certain things.

Growing up with a single mom, Ben came to appreciate what “a very important channel for us” money was, and how much he needed to value and appreciate it. As he became older, and aggressively saved in order to build a portfolio upon which he could retire early, his value of money only increased.

As such, Ben has found that the major issue for his retirement has been the struggle to give himself permission to spend the money that he saved and earned. “I hate to say that I’m denying myself,” he lamented, “but I oftentimes feel that that’s the case right now.”

Making the transition from “a saving to a spending mindset” was a problem he never anticipated, but it is one he has had to confront now, to the point that his retirement spending actually continues to decrease. Through Ben’s discussion with Canole, however, the two worked out ways to overcome the fear of spending and allow Ben to enjoy his golden years.

Give Yourself Permission To Spend

You’ve worked hard for your retirement, and you’ve planned ahead. This is the moment you’ve been saving for. If you don’t spend on yourself now, when will you?

Commit to a Spending Decision

Once you book a vacation, or plan a big purchase, stick to it. Ben noted that he booked an expensive vacation for he and his family, and “once I made the decision, then I didn’t regret it at all and I kept thinking that I purposely set up those funds at the beginning of the year so I could do things like that.”

TO READ MORE:  https://finance.yahoo.com/news/3-ways-overcome-fear-spending-120021438.html

We’re at EXACT Level That Triggered Every 40% Crash in History – AI Stocks & Bitcoin to Collapse!

We’re at EXACT Level That Triggered Every 40% Crash in History – AI Stocks & Bitcoin to Collapse!

Danoela Cambone :  11-19-2025

In today’s volatile financial landscape, separating genuine market signals from speculative noise is the ultimate challenge. Few analysts are as dedicated to this task as Gareth Soloway, who recently joined Daniela Cambone on ITM Trading for a sweeping, data-driven market analysis.

Soloway, known for his rigorous technical approach, delivered a stark warning across multiple asset classes: while the long-term outlook remains profoundly bullish for key assets like Bitcoin and gold, investors must brace for significant near-term technical corrections. This is the time for prudence, not panic, built on the pillars of diversification and strategic positioning.

For those celebrating Bitcoin’s recent highs, Soloway offers a necessary dose of technical reality. While he maintains a deeply bullish long-term stance on BTC, his analysis points to significant near-term risk based on historical chart patterns.

Soloway identifies key support levels for Bitcoin between $73,000 and $75,000. He anticipates that after a potential immediate dip, Bitcoin could see a substantial technical bounce, potentially pushing toward the $100,000 psychological mark.

The Warning: This upward move is likely a head-f**e. Soloway projects that following that bounce, Bitcoin is technically poised for a deeper correction—a critical piece of analysis often overlooked by media hype.

The enthusiasm surrounding Ethereum and various altcoins (like Solana) is palpable, but Soloway advises extreme caution. While these assets offer enticing swing trading opportunities, the rapid pace of technological evolution and competition introduces systemic risk. In a market correction, these more speculative assets tend to suffer the swiftest and deepest declines.

Soloway’s technical indicators suggest that traditional tangible assets are setting up for monumental rallies, but only after a necessary seasonal pullback.

Gold has shown remarkable strength, but Soloway notes that current market conditions mirror historical patterns that precede major moves.

He forecasts a short-term retracement for gold, pulling the price back down to the $3,500–$3,600 range. Crucially, this is presented not as a collapse, but as the final staging ground for a much larger rally. Soloway projects that by 2026, gold could potentially soar to $5,000 per ounce, reinforcing its role as the premier store of value.

Perhaps the most compelling opportunity lies in the often-overlooked rare metals. Soloway identifies platinum and palladium as significantly undervalued. Given their scarcity and industrial utility, he suggests they possess substantial upside potential, positioning them as alternative hedges alongside gold and Bitcoin against currency degradation.

Silver is following a similar script, showing strong upward momentum but needing to clear a critical technical hurdle. Soloway expects silver to briefly pull back to around $40 per ounce before resuming its powerful upward trajectory.

Soloway’s most pressing warning is directed squarely at the euphoric equity markets, particularly the technology sector fueled by the AI boom.

He argues that the current valuations in key tech areas are divorced from technical and fundamental reality. Specifically focusing on the semiconductor sector (tracked by the SMH ETF), Soloway projects a significant correction.

Soloway forecasts a 40% correction in semiconductors based on the current historical deviation from the 200-week moving average—a key technical benchmark for long-term health.

Soloway stresses that the euphoria driving the tech sector reflects excessive optimism that historically precedes sharp and painful downturns.

The overarching lesson from Soloway’s comprehensive analysis is unambiguous: diversification is not merely wise; it is essential financial defense.

In an environment where governmental scrutiny on digital assets is increasing, and systemic risks—including potential US dollar devaluation and expanding cyber threats—are intensifying, holding a diverse portfolio is paramount.

Soloway concludes by underscoring the enduring value of physical assets like gold and silver. In an age dominated by digital threats and fragile financial systems, these tangible holdings serve as the ultimate insurance policy against the unknown.

Staying ahead means understanding where the hype ends and the technical realities begin. Soloway’s data-driven outlook provides a crucial roadmap for investors seeking to protect and grow their capital through the inevitable market corrections ahead.

https://www.youtube.com/watch?v=Pn2xkAaUkho