Chats and Rumors, Economics Dinar Recaps 20 Chats and Rumors, Economics Dinar Recaps 20

News, Rumors and Opinions Friday 1-16-2026

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. 16 Jan. 2026

Compiled Fri. 16 2026 12:01 am EST by Judy Byington

Summary:

As we dive into the latest update from Judy Byington, it’s clear that the world is on the cusp of a significant transformation.

The Global Currency Reset (GCR) is (allegedly) underway, and with it, a new financial system is emerging.

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. 16 Jan. 2026

Compiled Fri. 16 2026 12:01 am EST by Judy Byington

Summary:

As we dive into the latest update from Judy Byington, it’s clear that the world is on the cusp of a significant transformation.

The Global Currency Reset (GCR) is (allegedly) underway, and with it, a new financial system is emerging.

In this blog post, we’ll break down the key points from Judy’s report and explore what this means for individuals and the global economy.

Judy Byington warns that we should be prepared for ten days of darkness, which could occur anytime soon. This period is expected to be marked by bank closures, non-functional ATMs, and a main stream media blackout.

To navigate this challenging time, it’s essential to have a stockpile of essentials, including food, medicine, water, cash, and other vital supplies, sufficient for at least 2-3 weeks.

The Quantum Financial System (QFS) is now (allegedly) fully operational worldwide, signaling the beginning of the greatest wealth transfer in history.

This new system is (allegedly) backed by gold and precious assets, and it’s designed to restore economic sovereignty to the people.

 The QFS ensures transparent and secure transactions, free from Cabal interference, and (allegedly) facilitates the forgiveness of debts under NESARA/GESARA.

Redemption Centers are (allegedly) ready to facilitate the exchange of currencies and the redemption of bonds.

 Tier 4B notifications are (allegedly) being sent out, and exchange appointments are accelerating for those holding Iraqi Dinar, Vietnamese Dong, Zimbabwe notes, and other revaluing currencies.

On Sunday, February 1, 2026, Redemption Centers will (allegedly) open to the general public, allowing individuals to set up their personal financial wallets (formerly known as bank accounts) on the new Star Link System.

The RV GCR has (allegedly) been initiated, and it’s irreversible. Bond holders have been meeting with paymasters, and funding is expected to be released over the weekend.

Exchange rates are (allegedly) higher at Redemption Centers than at banks, and 31 currencies are expected to have new rates on the Redemption Center screen by Monday morning.

Dr. Jim Willie’s warning on January 12, 2026, paints a picture of an accelerating collapse of the old fiat dollar system. The deepstate cabal is panicking as their control evaporates, and the hidden shift to XRP and gold-backed settlements is quietly destroying the dollar hegemony.

The COMEX paper scam is on the verge of being shattered by physical delivery demands, and silver is declared a national security metal in multiple nations.

The Global Currency Reset is a significant event that marks the beginning of a new era.

As the old financial system collapses, a new gold-backed system is (allegedly) emerging, promising prosperity and abundance for all.

While there may be challenges ahead, including a potential period of darkness, it’s essential to be prepared and stay informed. By understanding the developments unfolding around us, we can navigate this transition and emerge into a brighter future.

Read full post here:  https://dinarchronicles.com/2026/01/16/restored-republic-via-a-gcr-update-as-of-january-16-2026/

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

Jeff   Again, my strongest opinion I feel the rate change is waiting on the government formation.  That's a critical piece of stability and requirement by the central bank.
 
Frank26   We got to wait till the smoke clears.  I still think we're going to have the prime minister we want.  If it is al-Awadi I'm going to be very happy.

Mnt Goat   Article:  “WHAT DOES FIXING THE DOLLAR EXCHANGE RATE AT 1300 IN THE 2026 BUDGET MEAN? AND DOES THE CENTRAL BANK HAVE A PLAN TO CONTROL EXCHANGE RATE FLUCTUATIONS?...”  This is not the “official” rate for investors, the public to buy and sell dinar...It is just an “official exchange rate policy used” to control stability in the dinar and not the “official” rate going forward for 2026 down from 1320...the 1300 rate will be continued to be used in 2026 budgeting and...it was used since 2023.  Article quote:  "The Central Bank stated that “the official exchange rate that will be adopted in 2026 is (1300) dinars per dollar, which has been in effect since February 2023. 

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

HOLY SH*T! $3T Private Credit Debt is About to BLOW UP!

Steven Van Metre:  1-15-2026

The last time we saw a run up in these risky loans was right before the Global Financial Crisis, and the reason behind it will convince you were are on the cusp of the next financial crisis.

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

 

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“Tidbits From TNT” Friday 1-16-2026

TNT:

Tishwash:  A high-level delegation from the Kurdistan Region is participating in the Davos World Economic Forum.

The head of the Kurdistan Region's Department of Foreign Relations, Safeen Dizayee, announced on Thursday (January 15, 2026) that a high-level delegation from the Kurdistan Region will participate in the Davos Forum this year.

Dziyi told Kurdistan Media Network that the high-level delegation will hold several meetings and discussions with participating delegations during the forum.

 He noted that during the World Economic Forum in Davos in the Swiss Alps, from January 19 to 23, political issues, challenges, regional and international changes, and economic issues will be discussed.

TNT:

Tishwash:  A high-level delegation from the Kurdistan Region is participating in the Davos World Economic Forum.

The head of the Kurdistan Region's Department of Foreign Relations, Safeen Dizayee, announced on Thursday (January 15, 2026) that a high-level delegation from the Kurdistan Region will participate in the Davos Forum this year.

Dziyi told Kurdistan Media Network that the high-level delegation will hold several meetings and discussions with participating delegations during the forum.

 He noted that during the World Economic Forum in Davos in the Swiss Alps, from January 19 to 23, political issues, challenges, regional and international changes, and economic issues will be discussed.

This year's forum will be attended by US President Donald Trump, leading the "largest US delegation" in the history of participation, as announced by the forum's president, Børge Brende, on Tuesday.

This year's forum is expected to be attended by a record 64 heads of state and government, along with 850 global business leaders, as part of a gathering of approximately 3,000 participants from 130 countries. link

Tishwash:  Dr. Mahmoud Dagher: The current stage requires the adoption of advanced banking methods and applications.

Financial and economic expert, Dr. Mahmoud Dagher, stressed that the current stage requires a serious shift from traditional methods to adopting advanced banking application models that include all operations and services without exception, stressing that it is no longer useful to continue working on traditional banking systems, but rather it is necessary to move to newer systems that are able to keep pace with the rapid developments in the banking sector.

Dagher said that this transformation requires, in parallel, competent human resources who possess the technical expertise and ability to manage and operate systems and applications with high efficiency.

He pointed out that fulfilling these requirements will open the way for providing integrated banking services without the need for direct interaction, in line with the nature of modern banking products, whether Islamic or traditional, which are managed today via mobile phone or computer, and will contribute to improving the quality of services and enhancing customer confidence in the banking sector.  link

***********

Tishwash:  The Central Bank Governor discusses with Oliver Wyman ways to improve Iraq's sovereign and credit ratings.

 The National Team and the Technical Committee for Sovereign Rating held a joint meeting with Oliver Wyman Consulting. The meeting was chaired by the head of the National Team, His Excellency the Governor of the Central Bank of Iraq, Mr. Ali Mohsen Al-Alaq, and attended by Dr. Mazhar Mohammed Saleh, Advisor to the Prime Minister and Head of the Technical Committee, along with a group of experts from relevant ministries and the private sector.

The purpose of the meeting was to discuss mechanisms for improving the sovereign and credit ratings of the Republic of Iraq. During the meeting, the most prominent pillars and key issues requiring work in cooperation with international rating agencies S&P, Fitch, and Moody's were discussed.

Emphasis was placed on the importance of applying the five pillars adopted in rating methodologies: institutional quality and financial strength, monetary strength, economic structure and growth prospects, political events and risks, and governance and overall stability.

The meeting also addressed the need to build a comprehensive economic and financial base for Iraq that reflects the reform process, institutional capacities, and future opportunities, ensuring its practical applicability.

 Furthermore, the importance of direct and continuous communication with international rating agencies was stressed to enhance mutual understanding and achieve sustainable positive results.

This meeting comes within the framework of the government’s efforts to improve the image of the Iraqi economy and enhance international confidence, as the Iraqi government had announced in September 2025 the formation of the National Team for Improving the Credit Rating, which includes a select group of experts and representatives of various economic sectors, with the aim of raising the sovereign rating and supporting financial and economic stability in the country.

 Central Bank of Iraq, 
Media Office, 
January 14, 2026  link

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

Tishwash:  After 19 years, Iraq officially returns its ambassador to Moscow.

The Russian presidency announced on Wednesday that Iraq will reinstate its former ambassador, Abdul Karim Hashim Mustafa, to represent it diplomatically in Moscow, 19 years after Mustafa assumed this position.

According to a statement from the Russian presidency, President Vladimir Putin will receive the credentials of Iraqi Ambassador Abdul Karim Hashim Mustafa, along with a group of other ambassadors, in a ceremony to be held at the Kremlin on Thursday, January 15.

Putin will also receive the credentials of the ambassadors of Somalia, Mohamed Abu Bakr Zubair; Gabon, Sosthene Ndimbe; Sri Lanka, Shobini Kaushala Gunasekera; Senegal, Stephane Sylvain Sambo; Rwanda, Joseph Nzapamoita; and Mauritania, Sidiati Cheikh Ould Ahmed Aicha.

Also, the credentials of the ambassadors of Algeria, Tawfiq Jumaa; Bangladesh, Nasrul Islam; Egypt, Hamdi Shaaban Abdel Halim Mohamed; Ghana, Kuma Stem Jeho Appiah; Namibia, Monica Ndilwaike Nshandi; and South Korea, Lee Seok-bae.

Ambassadors from the Middle East will also present their credentials to the Russian President: Bashir Saleh Azzam from Lebanon and Sami bin Mohammed Al-Saadan from Saudi Arabia.

Putin will also receive the credentials of South Korean Ambassador Lee Seok-bae.

The handover ceremony will take place in the Alexander Hall of the Kremlin Palace, as is customary.

According to the Iraqi Ministry of Foreign Affairs website, Abdul Karim Hashim Mustafa has been Iraq’s permanent representative to the United Nations and other international organizations in Geneva since February 2021.

Prior to his appointment in Geneva, Abdul Karim Hashim Mustafa served as Senior Undersecretary of the Iraqi Ministry of Foreign Affairs and also as Undersecretary of the Ministry of Foreign Affairs for Administrative and Financial Affairs. He also served as an advisor to the Iraqi Prime Minister on international relations and diplomacy.

Mustafa was Iraq’s ambassador to the Kingdom of Morocco and to the People’s Republic of China, and from December 2004 to July 2007, he was Iraq’s ambassador to the Russian Federation.

Abdul Karim Hashim Mustafa holds a PhD in Pharmaceutical Sciences from the University of Grenoble in France, obtained in 1987, and a Diploma of Advanced Studies (Master's) in Pharmaceutical Sciences from the same university, obtained in 1984.

Born in Iraq on March 6, 1959, he is married and has three children. In addition to Arabic, he speaks French and English fluently. link

Mot: No Matter What They Say!!!!  

Mot: Scariest Thing Just Happened to Me!!!! 

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Seeds of Wisdom RV and Economics Updates Friday Morning 1-16-26

Good Morning Dinar Recaps,

Dollar Strength Returns as Markets Rally and Commodities Pull Back

Short-term confidence masks deeper reset pressures beneath global markets

Good Morning Dinar Recaps,

Dollar Strength Returns as Markets Rally and Commodities Pull Back

Short-term confidence masks deeper reset pressures beneath global markets

Overview

  • Global equity markets rallied across Asia and the U.S. on strong tech momentum and solid economic data.

  • The U.S. dollar strengthened, reducing expectations for near-term Federal Reserve rate cuts.

  • Oil, gold, and other commodities pulled back, reflecting a temporary shift away from safe-haven positioning.

  • Beneath the surface, currency divergence and liquidity fragmentation continue to build reset pressure.

Key Developments at a Glance

  • Asian equities climbed, led by AI and semiconductor optimism tied to U.S.–Taiwan trade activity.

  • U.S. stocks advanced on bank earnings and technology sector strength.

  • The dollar rose to multi-week highs, supported by resilient U.S. economic data.

  • Oil and precious metals declined, easing inflation fears but stressing exporter currencies.

Asian Markets Rise as Dollar Strengthens

Asian markets moved higher as investor sentiment improved:

  • AI and semiconductor demand boosted technology-heavy indexes, particularly in Asia.

  • Trade optimism surrounding Taiwan and U.S. chip supply chains lifted regional confidence.

  • Strong U.S. data reduced expectations for rapid monetary easing, which supported the dollar.

Currency reactions underscored growing global divergence:

  • The Japanese yen showed volatility, prompting renewed speculation about government intervention.

  • Other regional currencies struggled to keep pace with the stronger dollar, highlighting uneven liquidity conditions.

U.S. Markets Rally While Commodities Retreat

U.S. equities followed Asia higher:

  • Bank earnings surprised to the upside, reinforcing confidence in the financial system.

  • Technology stocks rebounded, reinforcing risk-on sentiment.

At the same time:

  • Oil prices fell sharply, as immediate Middle East escalation fears cooled.

  • Gold and silver pulled back, reflecting reduced short-term demand for safety rather than a reversal of longer-term trends.

This combination suggests markets are pricing stability in the short run, even as structural risks persist.

What This Signals Beneath the Surface

While headline moves appear constructive:

  • Dollar strength tightens global financial conditions, especially for emerging and frontier markets.

  • Commodity pullbacks can strain exporter economies, increasing FX and debt stress.

  • Diverging currency performance reflects fragmentation, not harmony, in global monetary conditions.

These are classic symptoms of a system late in a cycle, not early in one.

Why It Matters

  • Short-term dollar strength does not resolve long-term debt and liquidity imbalances

  • Equity rallies can coexist with rising systemic risk

  • Commodity weakness may delay inflation but amplify currency stress elsewhere

Market calm often precedes structural repricing, not stability.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency in anticipation of a Global Reset:

  • Dollar strength can delay, but not cancel, realignment scenarios

  • Currency value is increasingly tied to trade resilience and liquidity access

  • Exporter currencies may face pressure before broader reset dynamics unfold

  • Resets historically occur after periods of apparent market confidence

Temporary rallies should not be confused with long-term monetary resolution.

Implications for the Global Reset

  • Pillar 1 – Liquidity Divergence: Stronger dollar conditions expose weaker links in the global system

  • Pillar 2 – Asset Repricing: Commodities and currencies continue adjusting unevenly

This is not a return to normal — it is the calm inside a rebalancing system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

Iran Crisis Exposes the Limits of BRICS Unity and Moral Authority

Economic collapse and nationwide unrest test the bloc’s credibility in a multipolar world

Overview

  • Iran is facing nationwide protests amid severe economic collapse and currency devaluation.

  • The Iranian rial has plunged to roughly 1.42 million per U.S. dollar, with inflation above 40%.

  • BRICS unity is under strain, as member states issue cautious, divergent responses.

  • Moral authority and credibility of BRICS are increasingly questioned on the global stage.

Key Developments at a Glance

  • Mass strikes and protests spread across all 31 Iranian provinces, beginning in Tehran’s Grand Bazaar.

  • Internet access was cut nationwide as chants against clerical rule intensified.

  • BRICS members largely remained silent, calling for calm without condemning violence.

  • Internal divisions within BRICS resurfaced over Iran’s 2024 admission and ongoing sanctions exposure.

Economic Collapse Fuels Political Defiance

Iran’s economic breakdown has turned into a political flashpoint:

  • Currency collapse and inflation have gutted household purchasing power.

  • Fuel price hikes, power shortages, and subsidy removals have deepened public anger.

  • According to the Atlantic Council, Iran’s growth is negligible compared to other BRICS nations, while inflation remains the worst in the bloc.

Economic desperation has transformed into open defiance, testing whether BRICS solidarity can withstand internal instability among its members.

BRICS Silence Highlights Internal Contradictions

Responses from BRICS capitals reveal deep fractures:

  • China urged peace and stability, prioritizing order over accountability.

  • Russia condemned Western “interference,” framing the unrest as an internal matter.

  • India, Brazil, and South Africa called for calm without addressing reported abuses.

These divergent positions underscore that BRICS is a coalition of convenience, not a unified values-based alliance.

U.S. Signals Intervention as Bloc Hesitates

While BRICS avoided public confrontation:

  • The White House signaled openness to private communications with Iran.

  • President Trump publicly encouraged Iranian protesters and warned regime officials.

  • Analysts note the contrast between Western rhetoric and BRICS restraint sharpens questions about the bloc’s global role.

Iran’s accession to BRICS in 2024 was controversial from the start, with India, Brazil, and South Africa expressing concerns about sanctions and Western backlash—debates that now appear prescient.

Moral Authority Under the Microscope

Human rights organizations report:

  • Widespread violations of civil liberties during the crackdown.

  • Threats from Iranian officials promising no leniency toward protesters.

BRICS promotes itself as an alternative to Western hegemony, rooted in sovereignty, dignity, and development. Remaining silent amid violent repression risks undermining that entire narrative.

Why It Matters

  • BRICS credibility depends on consistency, not just expansion.

  • Internal crises expose limits of bloc-based protection from sanctions and scrutiny.

  • Multipolar systems without shared standards risk fragmentation, not stability.

This moment forces a reckoning over whether state sovereignty can coexist with moral legitimacy.

Why It Matters to Foreign Currency Holders

For those holding foreign currency in anticipation of a Global Reset:

  • Iran’s collapse shows how fast currencies can disintegrate under sanctions and mismanagement.

  • Bloc membership alone does not guarantee protection from currency failure.

  • Reset scenarios favor stability, governance, and trust, not just political alignment.

  • Divergence inside BRICS highlights risk differentiation, not uniform revaluation outcomes.

Currency realignment historically punishes weak fundamentals before rewarding stronger systems.

Implications for the Global Reset

  • Pillar 1 – Credibility Stress: Moral and governance fractures weaken bloc cohesion.

  • Pillar 2 – Currency Reality Check: Political alignment cannot override economic collapse.

This is not just unrest — it is a stress test of multipolar legitimacy.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

🌱 A Message to Our Currency Holders🌱

If you’ve been holding foreign currency for many years, you were not foolish.
You were not wrong to believe the global financial system would change.

What failed was not your patience — it was the information you were given.


For years, dates, rumors, and personalities replaced facts, structure, and proof. “This week” predictions created cycles of hope and disappointment that were never based on how currencies actually change.

That is not your failure.

Our mission here is different:   • No dates • No rates • No hype • No gurus

Instead, we focus on:
• Verifiable developments • Institutional evidence
• Global financial structure • Where countries actually sit in the process

Currency value changes only come after sovereignty, trade, banking, settlement systems, and fiscal coordination are in place. History and institutions confirm this sequence.

You will see silence. You will see denials. That is not delay — that is discipline.

Protect your identity. Organize your documents.      Verify everything.
Never hand your discernment to anyone who cannot show proof.

You deserve truth — not timelines.

Seeds of Wisdom Team
Newshounds News 

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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RV Updates Proof links - Facts Link

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Follow Fast Facts

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Thank you Dinar Recaps

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Iraq Economic News and Points To Ponder Friday Morning 1-16-26

Agreements Are On The Horizon To Resolve The Presidential Issue.

Negotiations to choose the president of the republic remain a central focus of the Iraqi political scene, given the approaching constitutional deadlines and the limited time available. Dialogues continue between the two main Kurdish parties, the Patriotic Union of Kurdistan and the Kurdistan Democratic Party, amid adherence to the political norms adopted since 2005, in parallel with initial indications that may open the door to an understanding that ends the current stalemate.

Agreements Are On The Horizon To Resolve The Presidential Issue.

Negotiations to choose the president of the republic remain a central focus of the Iraqi political scene, given the approaching constitutional deadlines and the limited time available. Dialogues continue between the two main Kurdish parties, the Patriotic Union of Kurdistan and the Kurdistan Democratic Party, amid adherence to the political norms adopted since 2005, in parallel with initial indications that may open the door to an understanding that ends the current stalemate.

In this context, President Abdul Latif Jamal Rashid met on Tuesday with Mohsen al-Mandalawi, head of the Al-Asas Coalition, to discuss political developments and ways to complete constitutional requirements within the established timeframes. During the meeting, the President emphasized the importance of unifying visions and strengthening coordination among national forces to reach political agreements that contribute to consolidating stability and supporting state institutions.

 Al-Mandalawi, in turn, praised the Presidency's role in supporting the political de-escalation process, affirming his coalition's commitment to fulfilling the remaining requirements based on the principles of partnership and national consensus.

In parallel, the corridors of the Coordination Framework are witnessing escalating political activity. MP Bahaa al-Araji affirmed that the understandings between the Reconstruction and Development Coalition and the State of Law Coalition stem from the principle of complementary roles within the Coordination Framework, serving the requirements of the current phase.

Al-Araji indicated that supporting Nouri al-Maliki's candidacy aligns with the slogan "Iraq First," emphasizing that the priority today must be achieving progress and transcending the logic of procrastination and unproductive political competition.

Regarding the presidency, MP Sarwa Mohammed Rashid, from the Patriotic Union of Kurdistan (PUK) bloc, told Al-Sabah newspaper that political negotiations are still ongoing within the party and with the Kurdistan Democratic Party (KDP), in coordination with other political forces. She stressed adherence to the political convention that allocates the presidency to the PUK.

She clarified that this entitlement is not based on narrow partisan considerations, but rather on political understandings that have contributed to maintaining national balance and political stability in previous phases.

Rashid added that the Patriotic Union of Kurdistan (PUK) has finalized its choice to nominate Nizar Amidi for the presidency, noting his extensive political experience and active presence in Baghdad, as well as his ability to manage the position as a symbol of national unity, a guarantor of constitutional implementation, and a servant of all components of the Iraqi people without exception.

 In contrast, Abdul Salam Barwari, a member of the Kurdistan Democratic Party (KDP), told Al-Sabah newspaper that "there is no definitive new development yet," but there are positive indicators that can be built upon.

He explained that KDP leader Masoud Barzani has presented two main options: the first is to agree on a single candidate from both parties and present him in Baghdad, while the second is to leave the decision to the Kurdish blocs within the Council of Representatives, as happened in the election of former President Fuad Masoum.

Barwari predicted that the outlines of an agreement will become clear within the next week, especially given the link between this issue and the reactivation of the Kurdistan Region Parliament and the formation of the local government.

For her part, political researcher Zahraa Al-Saadi believes that the issue of choosing the president of the republic is one of the most complex issues in the current political stage, warning that the continuation of the Kurdish dispute may keep the position under time pressure and open the door to national interventions to find a consensus formula that enjoys broad acceptance, in order to ensure that the political process is not disrupted and to maintain institutional stability in the country.    https://alsabaah.iq/126439-.html

Government Advisor: The Current Economic Recession Is Seasonal And Will Subside With The Revitalization Of Public Spending.

  • Time: 2026/01/16 14:04:49   {Economic: Al-Furat News} The Prime Minister’s financial advisor, Mazhar Muhammad Saleh, confirmed on Friday that markets are experiencing a seasonal recession globally and locally at the beginning of each calendar year, while pointing to the factors affecting the stability of the exchange rate in light of the current regional conditions.

  • Saleh told Al-Furat News Agency, “At the beginning of each calendar year, markets experience a seasonal recession following the peak of purchases that precedes Christmas, a pattern known in international economic trends.” He explained that “this recession is clearly reflected in our country in consumption indicators, which tend to decline temporarily as a result of the partial depletion of income at the end of the year and the onset of the winter season.”

  • He added that “individuals and the private sector are anticipating trends in government spending and fiscal policy at the start of the new year, which coincides with a slowdown in the circulation of liquidity within the markets, as households and traders tend to hold onto cash while awaiting clarity on the financial outlook, especially in light of the delay in approving or activating the general budget.”

  • Saleh explained that "the transition of the executive authority from a caretaker status to exercising its full powers also affects this vision," noting that "the slowdown in liquidity leads to a temporary contraction in aggregate demand, which deepens the seasonal recession."

  • The financial advisor explained that "this recession often relieves pressure on consumer demand for foreign currency, leading to relative stability in the unofficial exchange rate, as long as external government spending and trade transfers have not yet entered their active phase."

  • Saleh warned that "this stability is being disrupted by noise in the information market, making it fragile and sensitive to the effects of regional geopolitics, which are exposed to strategic risks and fluctuating expectations in a highly sensitive environment."

  • He added that "this recession will begin to gradually recede with the revitalization of public spending, the acceleration of budget implementation, and the increase in liquidity turnover, which will re-stimulate consumption and increase commercial demand for foreign currency from its official sources, within limits that monetary policy can manage."

  • Saleh concluded by saying that "the improvement in consumption, liquidity and exchange market indicators together constitutes an early sign of the end of the seasonal recession and the entry of markets into a phase of gradual recovery."    LINK

The Brother Of Grand Ayatollah Sistani Has Passed Away.

Time: 2026/01/16 14:29:41 Reading: 300 times   Local: Al-Furat News} His Eminence Ayatollah Sayyid Hadi al-Sistani, brother of the Supreme Religious Authority, His Eminence Grand Ayatollah Imam Ali al-Husseini al-Sistani, may his shadow last, passed away today, Friday.

His Eminence’s death came on a day that coincided with the anniversary of the death of the Prophet’s uncle and guardian, Abu Talib, peace be upon him, which added more sadness and sorrow to this day in religious and popular circles.

The agency extends its deepest condolences and sympathies to the Supreme Religious Authority, Imam Al-Sistani, may his shadow last, and to all believers on this painful loss, asking God Almighty to have mercy on the deceased and grant him a spacious place in Paradise.    LINK

The Sudanese Offers His Condolences To Grand Ayatollah Sistani On The Death Of His Brother

Time: 2026/01/16 15:28:36 Reading: 60 times   
{Political: Al-Furat News} Prime Minister Mohammed Shia Al-Sudani sent a telegram of condolence to the Supreme Religious Authority, His Eminence Grand Ayatollah Imam Ali Al-Husseini Al-Sistani (may his shadow last), on the death of his brother, His Eminence Ayatollah Sayyid Hadi Al-Sistani (may God Almighty have mercy on him).

The message of condolence read: “I extend my deepest condolences and sincere sympathy to His Eminence Grand Ayatollah Sayyid Ali al-Sistani (may his shadow last) and his two honorable sons, on the death of his brother, His Eminence Ayatollah Sayyid Hadi al-Sistani, after a noble life spent in research, study, diligence and serving knowledge.”

Al-Sudani concluded his message by saying: "May God have mercy on the deceased and grant patience and solace to his family, relatives and loved ones."   LINK

Mr. Al-Hakim Offers His Condolences On The Death Of The Brother Of The Supreme Religious Authority, Imam Al-Sistani

Time: 2026/01/16 14:58:20    {Political: Al-Furat News} The head of the National State Forces Alliance, Mr. Ammar Al-Hakim, offered his condolences to the Supreme Religious Authority, His Eminence Grand Ayatollah Imam Ali Al-Husseini Al-Sistani (may his shadow last), on the death of his brother, the scholar, the proof, Mr. Hadi Al-Sistani (may God Almighty have mercy on him).

In his message of condolence, His Eminence Sayyid al-Hakim said: “With great sadness and pain, I received the news of the death of the brother of the Supreme Religious Authority, His Eminence Imam Sayyid Ali al-Husseini al-Sistani (may his shadow last), the eminent scholar, His Eminence Sayyid Hadi al-Sistani (may God Almighty have mercy on him), who answered the call of his Lord after a life spent in knowledge and learning and teaching the sciences of the purified family of Muhammad (peace be upon them).”

It is worth mentioning that the deceased was one of the prominent scholars who dedicated their lives to serving the noble science and spreading the knowledge of the Ahl al-Bayt (peace be upon them).    LINK

Trade Ministry Reassures Iraqis: We Have Sufficient And Secure Stocks Of Food Basket Items

Time: 2026/01/16 16:28:56 Reading: 15 times       

{Local: Al-Furat News} The Ministry of Trade confirmed on Friday that there is a sufficient and secure stock of food basket items in its warehouses spread throughout the governorates, while noting the stability of the supply situation and the absence of any indications of shortages of items.

A statement from the Ministry's media office, a copy of which was received by Al-Furat News, stated that "the Ministry has a sufficient and secure stock of food basket items in its warehouses spread across all governorates," stressing that "the supply situation is stable and there are no indications of any shortage of items."

The statement explained that "these measures come based on the directives of the Minister of Trade, Atheer Dawood Al-Ghurairi, regarding the need to strengthen the strategic reserve and ensure the continuity of supplying food basket items, in addition to continuous field monitoring of the supply situation in order to achieve stability and enhance citizens' confidence."

He added that "the ministry continues to implement its approved plans according to precise timetables to ensure the continuous supply of food agents and to meet the needs of citizens without interruption, in line with the government's priorities in supporting food security and maintaining market stability."

The statement indicated that "the ministry relies on daily monitoring and follow-up mechanisms for storage, processing and transportation operations, as well as continuing to conclude contracts and secure basic materials in a way that contributes to enhancing the availability of goods and price stability in local markets," stressing "the ministry's commitment to continuing to work to implement the minister's directives to maintain the availability of food supplies and ensure their delivery to citizens in all governorates."    LINK

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Seeds of Wisdom RV and Economics Updates Thursday Evening 1-15-26

Good Evening Dinar Recaps,

Central Banks Test New Payment Rails as Dollar Weakens and Gold Surges

Why global financial plumbing and currency volatility are converging now

Good Evening Dinar Recaps,

Central Banks Test New Payment Rails as Dollar Weakens and Gold Surges

Why global financial plumbing and currency volatility are converging now

Overview

  • Major central banks have entered live testing of a new cross-border payment system, signaling a structural shift in global settlement infrastructure.

  • The U.S. dollar has weakened while gold prices remain elevated, reflecting growing uncertainty around fiat stability.

  • Together, these developments highlight accelerating changes to the global monetary order that are central to the Global Reset narrative.

Key Developments at a Glance

  • Cross-border payments: Central banks moved into the user-testing phase of a BIS-led global settlement project.

  • Dollar pressure: Markets reacted to political and policy uncertainty with renewed dollar softness.

  • Gold strength: Gold continues to trade near record highs as investors seek monetary hedges.

  • Infrastructure focus: Attention has shifted from speculation to the underlying rails of global finance.

Central Banks Advance Cross-Border Payments Testing

A coalition of leading central banks, including the U.S., Europe, and key emerging markets, has begun advanced testing of a new cross-border payment and settlement framework under the Bank for International Settlements.

This phase moves beyond theory into real-world application, focusing on:

  • Faster interbank settlement

  • Reduced reliance on correspondent banking

  • Lower transaction costs across borders

The testing phase suggests central banks are preparing for a future where legacy systems such as SWIFT may no longer be sufficient for global trade and capital flows.

Dollar Weakness and Gold Strength Signal Trust Shift

At the same time, financial markets are responding to rising uncertainty:

  • The U.S. dollar has shown renewed weakness, particularly against major and commodity-linked currencies.

  • Gold demand remains strong, driven by concerns over debt levels, monetary credibility, and geopolitical risk.

This divergence reflects a broader theme: confidence is shifting away from purely fiat-based systems toward hard assets and alternative settlement mechanisms.

Why It Matters

  • Payment rails shape power: Whoever controls settlement infrastructure influences trade, liquidity, and sanctions enforcement.

  • Dollar dominance faces structural pressure: Infrastructure diversification reduces automatic dollar dependence.

  • Gold’s role is being reaffirmed: Central banks and investors continue to treat gold as monetary insurance.

These are not isolated events — they are interlocking signals of systemic transition.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency in anticipation of a Global Reset:

  • New payment systems can reprice currency utility, not just exchange rates

  • Dollar volatility creates space for alternative reserve and settlement currencies

  • Gold-linked or commodity-backed systems gain relevance as trust in fiat erodes

  • Currency value follows settlement demand, not political promises

In reset scenarios, currencies tied to trade, infrastructure, or hard assets tend to benefit first.

Implications for the Global Reset

  • Pillar 1 – Infrastructure Reset: Central banks are rebuilding global payment plumbing quietly but decisively.

  • Pillar 2 – Trust Reset: Markets are signaling declining confidence in debt-heavy fiat systems through gold accumulation.

This is not short-term market noise — it is long-term monetary repositioning.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

Dollar Slips as Gold Holds Firm in a World Losing Monetary Certainty

Currency volatility signals deeper cracks in the global financial system
January 2026

Overview

  • The U.S. dollar is weakening amid rising political and monetary uncertainty.

  • Gold continues to trade near record highs, reinforcing its role as a monetary hedge.

  • Currency markets are flashing stress signals as investors reassess trust in fiat systems.

  • These moves reflect more than market noise — they point to a structural shift underway.

Key Developments at a Glance

  • Dollar pressure: The dollar has softened against major and commodity-linked currencies.

  • Gold resilience: Gold prices remain elevated despite changing rate expectations.

  • Investor behavior: Capital is rotating toward perceived stores of value.

  • Central bank backdrop: Questions around policy independence and debt sustainability linger.

Why the Dollar Is Under Pressure

The dollar’s recent weakness reflects compounding macro risks, not a single event:

  • Rising U.S. debt and fiscal strain are weighing on long-term confidence

  • Political pressure on monetary policy has unsettled markets

  • Global diversification efforts are slowly reducing automatic dollar demand

As more countries explore alternative settlement systems and reserve diversification, the dollar’s dominance faces incremental but persistent erosion.

Gold’s Strength Sends a Message

Gold’s ability to hold near record highs is especially telling:

  • It is outperforming confidence in fiat currencies, not just inflation expectations

  • Central banks continue to accumulate gold as strategic insurance

  • Investors increasingly treat gold as a neutral reserve asset, free from political control

Gold’s resilience suggests that markets are hedging against systemic risk, not just short-term volatility.

Currency Volatility Reflects Trust Repricing

Across global FX markets:

  • Volatility is rising, even in traditionally stable currency pairs

  • Safe-haven behavior is shifting, favoring hard assets over paper claims

  • Confidence gaps between currencies are widening, based on fiscal and geopolitical exposure

This repricing of trust is a classic feature of monetary transition periods.

Why It Matters

  • Currencies are confidence instruments, and confidence is fragmenting

  • Dollar weakness amplifies global inflation and trade realignments

  • Gold’s role is being quietly re-monetized in central bank strategy

These dynamics often precede larger structural changes rather than resolve themselves quickly.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency with expectations tied to a Global Reset:

  • Currency value depends on trust, trade, and settlement relevance

  • Dollar volatility creates openings for revaluation narratives

  • Hard-asset-aligned systems gain credibility faster in uncertain environments

  • Resets tend to reward preparedness, not timing perfection

Periods like this historically favor those positioned ahead of monetary realignment, not after it becomes obvious.

Implications for the Global Reset

  • Pillar 1 – Confidence Shift: Markets are questioning long-held assumptions about fiat stability

  • Pillar 2 – Reserve Rebalancing: Gold and alternative currencies are reclaiming strategic importance

This is how resets begin — not with announcements, but with market behavior.
Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

U.S. Aircraft Carrier Shifts From South China Sea Toward Iran Hotspot

One carrier, two flashpoints — and a rapidly tightening global chessboard
January 2026

Overview

  • A U.S. Nimitz-class aircraft carrier was operating in the South China Sea before redeployment toward the Middle East.

  • The move coincides with escalating tensions involving Iran and renewed unrest inside the country.

  • The redeployment links Indo-Pacific deterrence with Middle East escalation risks.

  • Markets, energy flows, and global trade routes face rising geopolitical stress.

Key Developments at a Glance

  • Carrier movement: The USS Abraham Lincoln was observed operating near contested South China Sea waters before orders to shift theaters.

  • Dual-theater pressure: The carrier’s presence overlapped with Chinese military drills near Taiwan.

  • Iran flashpoint: Rising internal unrest and U.S. warnings have elevated regional risk levels.

  • Force projection: The redeployment would make the Abraham Lincoln the only active U.S. carrier in the Middle East.

Why the South China Sea Still Matters

The South China Sea remains one of the most contested maritime corridors in the world:

  • China claims sovereignty over most of the waterway, despite overlapping claims from neighboring nations.

  • U.S. naval operations aim to signal freedom of navigation and alliance commitments.

  • Recent Chinese military drills near Taiwan increased regional tension while the carrier was nearby.

The carrier’s operations underscored how Indo-Pacific deterrence remains stretched as global crises multiply.

Why Iran Is Pulling U.S. Forces West

The redeployment comes amid:

  • Escalating internal unrest in Iran, described as the largest in years

  • U.S. warnings and rhetoric signaling potential consequences if violence against protesters continued

  • Iranian statements warning U.S. and allied bases could become targets

Shifting a carrier strike group signals credible military readiness, not merely diplomatic pressure.

Strategic Implications of the Redeployment

  • The U.S. is forced to balance multiple flashpoints simultaneously

  • Carrier scarcity magnifies the signal of escalation

  • Any disruption in the Middle East raises immediate energy and shipping concerns

This movement reflects a world where crisis response is no longer sequential — it is simultaneous.

Why It Matters

  • Energy markets react to Middle East escalation risk first

  • Global trade depends on stability across both the Indo-Pacific and Persian Gulf

  • Military redeployments often precede financial volatility, not follow it

Naval power shifts are rarely symbolic — they are preparatory signals.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency in anticipation of a Global Reset:

  • Geopolitical escalation accelerates demand for safe-haven assets

  • Energy shocks can reprice currencies tied to oil and trade routes

  • Military risk increases pressure on debt-heavy fiat systems

  • Periods of instability often precede monetary realignment

Historically, currency resets emerge from geopolitical stress, not calm.

Implications for the Global Reset

  • Pillar 1 – Geopolitical Realignment: Military posture reflects shifting power centers

  • Pillar 2 – Energy and Trade Risk: Chokepoint instability amplifies systemic vulnerability

This is not just a carrier movement — it is a signal of rising global fracture points.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

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

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Economics, News DINARRECAPS8 Economics, News DINARRECAPS8

Iraq Economic News and Points To Ponder Thursday Evening 1-15-26

An Economist Warns: Any Regional Crisis Will Directly Impact The Iraqi Economy

Time: 2026/01/15 Reading: 45 times  {Economic: Al-Furat News} Economic expert Abdul Rahman Al-Mashhadani confirmed today, Thursday, that the international and regional situation directly affects the Iraqi economy, warning of the repercussions of any potential crisis in the region.

Al-Mashhadani told Al-Furat News Agency that “the international situation, especially in the region, greatly affects Iraq and its economy. If war breaks out, and despite the high oil prices, Iraq will be affected by Iran closing the Strait of Hormuz, as Iraq is considered the only outlet and main artery for exporting Iraqi oil. Even if the closure does not last long, it will have a significant impact.”

An Economist Warns: Any Regional Crisis Will Directly Impact The Iraqi Economy

Time: 2026/01/15 Reading: 45 times  {Economic: Al-Furat News} Economic expert Abdul Rahman Al-Mashhadani confirmed today, Thursday, that the international and regional situation directly affects the Iraqi economy, warning of the repercussions of any potential crisis in the region.

Al-Mashhadani told Al-Furat News Agency that “the international situation, especially in the region, greatly affects Iraq and its economy. If war breaks out, and despite the high oil prices, Iraq will be affected by Iran closing the Strait of Hormuz, as Iraq is considered the only outlet and main artery for exporting Iraqi oil. Even if the closure does not last long, it will have a significant impact.”

Al-Mashhadani added that "the Iraqi economy will also be affected beyond oil due to the market's reliance on many basic Iranian materials, which are included in the food basket of fruits. If these are cut off, it will be difficult to replace them from other countries, which will require time and new contracts. Iraq also depends on Iranian gas, and this interdependence means that any problem in the region will be reflected 100% on the Iraqi economy, and Iraq will be the most affected."  From. Ragheed  LINK

"Energy Security In The Gulf: An Existential Threat To Iraq"

 Economy News — Baghdad   Head of the Iraq Energy Center, Dr. Furat Al-Moussawi    In the geopolitics of energy, no region is more fragile than the Arabian Gulf, and no country more vulnerable than Iraq. Producing more than 4.5 million barrels of oil per day, Iraq has no export outlet other than the Strait of Hormuz in the Arabian Gulf.

This corridor, through which more than 21 million barrels of oil pass daily, equivalent to 20% of global oil trade, turns in a moment of tension or war into an arena that threatens not only the global economy, but also the financial and service existence of Iraq.

Past experience has shown that any disruption in the Gulf raises oil prices by $10–15 per barrel within a few days. While this might seem like an opportunity to increase revenues, Iraq remains at the mercy of a complex equation: high prices are countered by the risk of a complete halt to exports if the Strait of Hormuz is closed, which would mean a collapse in revenues that constitute more than 90% of the general budget.

The most dangerous aspect is that Iraq relies on Iranian gas to operate more than 40% of its national power plants, making any military confrontation between Washington and Tehran a double threat: a financial deficit due to the cessation of exports, and a severe electricity crisis due to the halt in supplies.

This structural fragility reveals that Iraq is not merely a collateral victim of regional crises, but rather the weakest link in the global energy security equation.

While global markets may absorb price increases by diversifying supply chains, Iraq remains without alternatives: no export pipelines outside the Gulf, no ability to replace imported gas, and no electricity grid independent of foreign sources. Thus, any tension in the Strait of Hormuz becomes a direct threat to the state's financial and service-related survival.

A US strike on Iran could trigger a global energy crisis, but in Iraq it would turn into an existential crisis, halting oil exports, collapsing revenues, and causing power outages.

Whoever tampers with the Strait of Hormuz is tampering with the fate of Iraq before tampering with the fate of the global economyhttps://economy-news.net/content.php?id=64597

Basra Crude Oil Prices Rise

Time: 2026/01/15 09:46:27{Economic: Al-Furat News} Prices of Basra Heavy and Medium crude oil rose on Thursday, despite the decline in global oil prices.

Basra Heavy crude prices rose $1.11, or 1.88%, to $60.18, while Basra Medium crude prices climbed 86 cents, or 1.40%, to $62.48.   https://alforatnews.iq/news/%D8%A7%D9%85-%D8%A7%D9%84%D8%A8%D8%B5%D8%B1%D8%A9-%D8%AA%D8%B1%D8%AA%D9%81%D8%B9

The Central Bank Reveals A Decrease In Iraq's Domestic Public Debt.

Today 15:06  The Central Bank of Iraq   revealed on Thursday that domestic public debt decreased at the end of October 2025.

In a report reviewed by Al-Maalomah News Agency, the bank stated that "Iraq's domestic public debt decreased at the end of October of last year to reach 88 trillion and 515 million dinars, a decrease of 0.32% compared to September, which stood at 90 trillion and 615 billion dinars. However, it is 6.58% higher than in 2024, when it reached 83.05 trillion dinars, and 25% higher than in 2023, when it reached 70.558 trillion dinars.

" The bank added that "the decrease resulted from a reduction in loans from government banks, from 7.01 trillion dinars to 5.6 trillion dinars."

He noted that "the debt remained unchanged, whether it was the financial debt, which amounted to 556 billion dinars, the discounted transfers at the Central Bank, which amounted to 50.486 trillion dinars, the treasury transfers at the Ministry of Finance, which amounted to 1.5 trillion dinars, the loans from financial institutions, which amounted to 14.366 trillion dinars, or the bonds, which amounted to 14.137 trillion dinars." (End of quote)  LINK

Savaya Discusses Suspicious Financial Payments In Iraq With The US Treasury

January 15, 2026   London – Al-Zaman   US envoy to Iraq Mark Savaya confirmed on Thursday that he had agreed with the US Treasury Department to conduct a comprehensive review of records of suspicious payments and financial transactions involving institutions, companies and individuals in Iraq.

“Today I met with the U.S. Treasury Department and the Office of Foreign Assets Control to discuss key challenges and reform opportunities in both state-owned and private banks, with a clear focus on strengthening financial governance, compliance, and corporate accountability,” Savaya said in a Facebook post.

He added, “We agreed to conduct a comprehensive review of suspicious payment records and financial transactions involving institutions, companies, and individuals in Iraq that are linked to smuggling, money laundering, and fraudulent financial contracts and projects that fund and enable terrorist activities.”

Savaya continued, “We also discussed the next steps regarding anticipated sanctions targeting malicious entities and networks that undermine financial integrity and state authority.”

The US envoy stated that “the relationship between Iraq and the United States has never been stronger than it is today under the leadership of President Donald Trump.”     LINK

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Bob Moriarty: Hyper Inflation & The Return of the Gold Standard

Bob Moriarty: Hyper Inflation & The Return of the Gold Standard

Palisades Gold Radio:  1-15-2026

Stijn Schmitz welcomes Bob Moriarty to the show. Bob Moriarty is Author, Founder 321 Gold, and a Former Marine Fighter Pilot.

The conversation delves into complex geopolitical dynamics, focusing on the current global tensions between the West's debt-based system and the East's resource-based system.

Bob Moriarty: Hyper Inflation & The Return of the Gold Standard

Palisades Gold Radio:  1-15-2026

Stijn Schmitz welcomes Bob Moriarty to the show. Bob Moriarty is Author, Founder 321 Gold, and a Former Marine Fighter Pilot.

The conversation delves into complex geopolitical dynamics, focusing on the current global tensions between the West's debt-based system and the East's resource-based system.

Moriarty offers a critical perspective on recent global conflicts, suggesting that the United States and Israel are the most aggressive nations, with potentially catastrophic consequences.

Discussing Venezuela, Iran, and global tensions, Moriarty argues that these conflicts are not about oil or resources, but about maintaining Western economic dominance.

He believes the current geopolitical landscape represents a fundamental shift, with the West's debt-based system collapsing while Eastern nations like China, Russia, and Iran are becoming increasingly powerful.

 He emphasizes that these countries are not enemies of the West, but are simply defending their interests.

Moriarty is particularly critical of U.S. foreign policy, describing current leadership as potentially the worst in world history. He warns of a potential financial collapse, comparing the current economic situation to 1929, but "ten times worse."

He strongly advocates for a return to a gold or silver-backed monetary system as a solution to the impending economic crisis.

On precious metals, Moriarty is bullish, believing silver and gold are critical protection during financial chaos. He sees significant potential in these metals, noting their historical monetary importance and current industrial applications.

 He predicts a potential return to a gold or silver standard within the next decade. The discussion also touches on global conflicts, including potential tensions with Iran, the Ukraine-Russia war, and U.S. interventionist policies. Moriarty's perspective is unequivocal: the United States risks significant losses by pursuing aggressive military and economic strategies.

He argues that the world is witnessing a fundamental restructuring of global economic and political power, with the Western debt-based system facing inevitable collapse.

Timestamps:

00:00:00 - Introduction

00:01:05 - Venezuela Intervention Analysis

 00:05:54 - Attack on China Motive

00:08:42 - Trump's Warpath Netanyahu

00:10:01 - Iran Protests CIA Role

00:13:36 - Strait of Hormuz Risks

00:16:39 - Ukraine-Russia Conflict Insights

00:22:10 - Debt vs Resource Systems

00:25:47 - Precious Metals Protectio

n 00:29:11 - Fed Investigation Power Play

00:32:59 - Financial Collapse Parallels

00:37:11 - Silver Investment Thesis

 00:42:55 - Future Gold Standard Outlook

00:45:41 - 321gold.com and Wrap Up

https://www.youtube.com/watch?v=76IsD3H5HTE

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Swisher1776: IQD RV, the Biggest Move yet

Swisher1776: IQD RV, the Biggest Move yet

1-15-2026

IQD RV: BIGGEST MOVE YET AS CBI ADVANCES IRAQ INTO SOVEREIGN RATE UPGRADE EXECUTION

The National Team and the Technical Committee for Sovereign Rating held a joint meeting with Oliver Wyman Consulting. The meeting was chaired by the head of the National Team, His Excellency the Governor of the Central Bank of Iraq, Mr. Ali Mohsen Al-Alaq, and attended by Dr. Mazhar Mohammed Saleh, Advisor to the Prime Minister and Head of the Technical Committee, along with a group of experts from relevant ministries and the private sector.

Swisher1776: IQD RV, the Biggest Move yet

1-15-2026

IQD RV: BIGGEST MOVE YET AS CBI ADVANCES IRAQ INTO SOVEREIGN RATE UPGRADE EXECUTION

The National Team and the Technical Committee for Sovereign Rating held a joint meeting with Oliver Wyman Consulting. The meeting was chaired by the head of the National Team, His Excellency the Governor of the Central Bank of Iraq, Mr. Ali Mohsen Al-Alaq, and attended by Dr. Mazhar Mohammed Saleh, Advisor to the Prime Minister and Head of the Technical Committee, along with a group of experts from relevant ministries and the private sector.

The purpose of the meeting was to discuss mechanisms for improving the sovereign and credit ratings of the Republic of Iraq. During the meeting, the most prominent pillars and key issues requiring work in cooperation with international rating agencies S&P, Fitch, and Moody’s were discussed.

Emphasis was placed on the importance of applying the five pillars adopted in rating methodologies: institutional quality and financial strength, monetary strength, economic structure and growth prospects, political events and risks, and governance and overall stability.

The meeting also addressed the need to build a comprehensive economic and financial base for Iraq that reflects the reform process, institutional capacities, and future opportunities, ensuring its practical applicability.

Furthermore, the importance of direct and continuous communication with international rating agencies was stressed to enhance mutual understanding and achieve sustainable positive results.

This meeting comes within the framework of the government’s efforts to improve the image of the Iraqi economy and enhance international confidence, as the Iraqi government had announced in September 2025 the formation of the National Team for Improving the Credit Rating, which includes a select group of experts and representatives of various economic sectors, with the aim of raising the sovereign rating and supporting financial and economic stability in the country.

Central Bank of Iraq,
Media Office,
January 14, 2026

IQD RV: BIGGEST MOVE YET

YOU DON’T CLEAN BANKS, COORDINATE WITH OFAC, AND EXECUTE RATING REFORMS
UNLESS YOU’RE PREPARING FOR A DIFFERENT PRICING REGIME.

LAW TO EXECUTION

LEGAL AUTHORITY PUBLISHED
CBI EXECUTION PHASE ACTIVATED
LIQUIDITY TOOLS ROLLING OFF
OFAC & U.S. TREASURY CLEARANCE IN MOTION
BANKING BAD ACTORS BEING ISOLATED
SOVEREIGN RATING CASE NOW ACTIVE
INTERNATIONAL TRADE-RATE RAILS BEING CLEARED

THIS IS NOT A PRESS RELEASE — THIS IS SYSTEM CHOREOGRAPHY

LAW ➝ EXECUTION ➝ CLEAN PIPE ➝ FLOW

PRAYERS UP
EYES OPEN
WE MOVE FORWARD

Mark Savaya: Today, I met with the U.S. Department of the Treasury and OFAC to address key challenges and reform opportunities across both state owned and private banks, with a clear emphasis on strengthening financial governance, compliance, and institutional accountability.

We agreed to conduct a comprehensive review of suspected payment records and financial transactions involving institutions, companies, and individuals in Iraq linked to smuggling, money laundering, and fraudulent financial contracts and projects that finance and enable terrorist activities.

We also discussed next steps related to forthcoming sanctions targeting malign actors and networks that undermine financial integrity and state authority.

The relationship between Iraq and the United States has never been stronger than it is today under the leadership of President Donald J. Trump.

https://x.com/Mark_Savaya/status/2011600469299511628

 Source(s): https://x.com/swisher1776/status/2011431221721473311
https://x.com/swisher1776/status/2011657399157

https://dinarchronicles.com/2026/01/15/swisher1776-iqd-rv-the-biggest-move-yet/

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Seeds of Wisdom RV and Economics Updates Thursday Afternoon 1-15-26

Good Afternoon Dinar Recaps,

CLARITY Act Stalls as Crypto Industry Warns It Shields Banks, Not Innovation

Regulatory clarity promised — institutional protection delivered?

Good Afternoon Dinar Recaps,

CLARITY Act Stalls as Crypto Industry Warns It Shields Banks, Not Innovation

Regulatory clarity promised — institutional protection delivered?

Overview

  • The Digital Asset Market Structure and Clarity Act failed to advance today after a Senate Banking Committee delay.

  • Crypto industry leaders, including Coinbase, argue the bill protects banks more than crypto users.

  • Regulatory uncertainty continues, keeping digital assets in limbo heading into 2026.

  • The delay underscores a deeper divide between Wall Street priorities and decentralized finance realities.

What Happened Today

  • The Senate Banking Committee postponed its scheduled markup of the CLARITY Act rather than moving it forward.

  • No committee vote occurred, and the bill did not advance to the Senate floor.

  • Lawmakers cited unresolved concerns and ongoing negotiations over the bill’s structure and scope.

Despite earlier momentum, today’s delay signals that consensus has not been reached on how crypto markets should be governed.

Why the Crypto Industry Is Pushing Back

Coinbase and other digital asset firms have been increasingly vocal, warning that the CLARITY Act:

  • Reinforces bank dominance over custody, settlement, and market access

  • Limits innovation by favoring existing financial intermediaries

  • Creates regulatory hurdles for crypto-native firms while easing compliance paths for large banks

Industry critics argue the bill’s framework repackages crypto activity into legacy banking rails, undermining decentralization rather than clarifying it.

Banks vs Crypto: The Core Tension

At the heart of the debate is who benefits from “clarity.”

  • Banks gain clear jurisdictional authority and compliance pathways

  • Crypto firms face higher costs, licensing burdens, and operational constraints

  • Retail users risk being pushed back into permissioned, centralized systems

This has fueled claims that the CLARITY Act is less about innovation and more about institutional control of digital finance.

Why It Matters

  • Regulatory delays prolong uncertainty for markets, builders, and investors

  • Wall Street-first frameworks risk slowing U.S. competitiveness in digital assets

  • Crypto adoption may migrate offshore to jurisdictions with clearer, more balanced rules

Instead of clarity, today’s outcome reinforces the reality that digital asset regulation remains politically contested.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency in anticipation of a Global Reset:

  • Regulatory stagnation weakens confidence in U.S.-based digital rails

  • Bank-centric crypto policy favors fiat preservation, not revaluation catalysts

  • Alternative settlement systems abroad may gain momentum faster

  • True value shifts tend to follow open systems, not tightly controlled financial structures

In short, currency realignment favors flexibility and neutrality, not regulatory capture.

Implications for the Global Reset

  • Pillar 1 — Monetary Control: Governments remain focused on controlling rails, not liberating value

  • Pillar 2 — Infrastructure: Innovation continues outside traditional banking frameworks

This is not just a crypto bill — it’s a signal about who will control money in the next system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

BRICS vs ASEAN in 2026 Shows Why Alignment May Backfire

When joining a bloc increases risk instead of protection

Overview

  • ASEAN’s growing association with BRICS is triggering tariff exposure rather than insulation.

  • Indonesia’s full BRICS membership and partnership roles for Malaysia, Thailand, and Vietnam increase geopolitical pressure.

  • U.S. tariff threats highlight the costs of perceived alignment in a polarized global system.

  • Strategic autonomy, not bloc loyalty, emerges as ASEAN’s core vulnerability in 2026.

Key Developments at a Glance

  • Tariff escalation risk: Indonesia faces potential U.S. tariffs exceeding 40%, explicitly linked to BRICS alignment.

  • Regional spillover: Thailand, Malaysia, and Vietnam are already confronting elevated tariff regimes tied to geopolitical positioning.

  • Non-alignment under strain: ASEAN’s long-standing neutral posture is increasingly difficult to maintain amid great-power rivalry.

  • Currency implications: Discussions around BRICS-linked settlement systems raise concerns about financial sovereignty rather than protection.

How BRICS–ASEAN Dynamics Expose Tariff Vulnerability

At the center of the BRICS vs ASEAN debate is trade exposure. The U.S. has signaled that deeper BRICS alignment may invite punitive tariffs, reframing economic cooperation as a geopolitical liability. For export-driven Southeast Asian economies, this creates an asymmetric risk:

  • Limited upside from BRICS trade frameworks, which remain loosely structured

  • Immediate downside from Western trade retaliation, which is swift and enforceable

This imbalance highlights how alignment without institutional safeguards can backfire quickly.

Structural Dependence and the BRICS Currency Question

ASEAN’s challenge in 2026 is less about military strength and more about structural dependence:

  • Supply chainsdigital standardsdata sovereignty, and payment rails increasingly define power

  • BRICS-linked currency or settlement systems may reduce flexibility, not enhance it

  • Smaller economies risk becoming rule-takers rather than rule-makers in multipolar arrangements

The push toward alternative payment systems introduces new dependencies without clear governance protections.

Why It Matters

  • Multipolarity without rules increases friction, not leverage

  • ASEAN centrality weakens when bloc alignment overrides strategic neutrality

  • Economic coercion replaces diplomacy in trade policy

  • Tariffs become tools of signaling, not just commerce

In 2026, alignment choices are no longer symbolic — they are priced directly into trade flows.

Why It Matters to Foreign Currency Holders

For readers holding foreign currencies in anticipation of a Global Reset:

  • Tariff pressure erodes currency stability, especially in export-driven economies

  • Bloc association does not guarantee protection or revaluation upside

  • Currencies gain strength from trade access, not political alignment

  • True reset conditions favor flexibility, neutrality, and diversified settlement options

The lesson is clear: currency value follows trade resilience, not bloc membership.

Implications for the Global Reset

  • Trade Access Pillar: Open markets matter more than political alignment

  • Sovereignty Pillar: Control over settlement, data, and standards defines future power

This is not about choosing sides — it’s about avoiding traps in a fragmented global system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

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

Read More
Economics, News DINARRECAPS8 Economics, News DINARRECAPS8

Iraq Economic News and Points To Ponder Thursday Afternoon 1-15-26

Iraq Central Bank Monetary Policy

Monetary policy in Iraq, through its underlying philosophy, relies on what are known as information-based or signal-driven rules to generate stability in the banking and financial market, in line with local and global economic developments. This approach serves as an alternative to direct intervention in the market and the potential for undesirable divisions and distortions that could negatively impact the effectiveness of financial intermediation. These signal-driven and information-driven methods are based on the Central Bank of Iraq's interest rate, also known as the policy rate .

Iraq Central Bank Monetary Policy

Monetary policy in Iraq, through its underlying philosophy, relies on what are known as information-based or signal-driven rules to generate stability in the banking and financial market, in line with local and global economic developments. This approach serves as an alternative to direct intervention in the market and the potential for undesirable divisions and distortions that could negatively impact the effectiveness of financial intermediation. These signal-driven and information-driven methods are based on the Central Bank of Iraq's interest rate, also known as the policy rate .

The Concept

The set of procedures and decisions taken by the Central Bank of Iraq within the framework of achieving its intermediate operational goals, which are to maximize the purchasing power of the Iraqi dinar and to counter inflationary expectations, thereby enhancing the overall performance of the macroeconomy and reflecting this on improving the standard of living in particular.

Goals

The Central Bank of Iraq’s main objectives include achieving stability in domestic prices and working to maintain a stable financial system based on market competition. In line with the aforementioned objectives, the Central Bank works to promote sustainable development, provide job opportunities, and achieve prosperity in Iraq.

Tasks

The Tasks Of The Central Bank Of Iraq Include The Following:

  • Formulating and implementing monetary policy in Iraq, including foreign exchange rate policy.

  • Possession and management of all of Iraq's official foreign reserves.

  • Possession of gold and management of the state's gold reserves.

  • Providing advisory and financial services to the government.

  • Providing liquidity services to banks.

  • Issuance and management of the Iraqi currency.

  • Compiling and publishing data related to the banking and financial system and data related to the economy.

  • Establish, supervise, and promote effective and sound payment systems.

  • Issuing licenses and permits to banks, regulating their operations, and supervising them.

  • Combating money laundering and terrorist financing.

Regulations and decisions related to monetary policy operations

These regulations and instructions cover various aspects of banking and financial operations, including guidelines on liquidity management to ensure the stability of the financial system. To manage liquidity and ensure financial system stability, the Central Bank of Iraq issues specific instructions and guidelines to banks and financial institutions. These instructions include:

Determining the required reserve ratioA specific percentage of bank deposits must be held as a cash reserve at the central bank. This helps control the amount of liquidity available to banks and limits excessive lending.

  1. Open market operationsThe central bank conducts purchases and sales of government bonds to increase or decrease liquidity in the market. These operations are used to control the amount of money in circulation and thus influence interest rates and inflation.

  2. Interest rate managementSetting interest rates on loans and deposits affects the demand for money. A high interest rate reduces borrowing and limits liquidity, while a low interest rate increases borrowing and increases liquidity.

The Following Are The Most Important Instructions Regarding Monetary Policy:

1. Monetary Policy Instructions:

  • Interest Rate ManagementRegulations pertaining to the setting and review of interest rates that affect the financial system. The interest rate set by the Central Bank of Iraq is currently 5.5%. This decision was made as part of the Central Bank's policies to control inflation and support financial stability in the country. This interest rate is consistent with the Central Bank's ongoing efforts to guide monetary policy in line with domestic and international economic developments.

  • Open market operationsThese are instructions relating to how the central bank carries out purchases and sales of government bonds to control liquidity.

 The mechanism by which the Central Bank of Iraq conducts purchases and sales of government bonds aims to regulate liquidity in the financial system and control inflation. This mechanism includes the following:

  1. Selling government bondsThe central bank sells government bonds to commercial banks and investors to absorb excess liquidity from the market. When investors buy these bonds, the funds are transferred from their accounts at the central bank to the government's account, thus reducing the amount of money in circulation.

  2. Purchasing government bondsWhen the economy needs increased liquidity, the central bank buys government bonds from the market. This process injects funds back into the banking system, increasing the amount of money available for circulation.

  3. Interest ratesInterest rates play a crucial role in these transactions. The set interest rate influences investors' willingness to buy or sell bonds. For example, if the central bank raises interest rates, demand for bonds may increase because the yields become more attractive.

These operations help the central bank achieve its monetary objectives, such as price stability and supporting the national economy, by controlling the liquidity available in the financial system.

2- Reserves Management Regulations:

  • Mandatory reserve ratioDetermining the percentage that banks must hold as a cash reserve. It is determined by the Central Bank of Iraq and is currently 18% of current deposits. This ratio means that commercial banks are obligated to hold 18% of their deposits as a cash reserve with the Central Bank, and this reserve cannot be used for lending or investment purposes.

The required reserve ratio is a monetary policy tool used by the central bank to control the amount of money in circulation and to control inflation, as increasing the required reserve ratio reduces the ability of banks to lend, which reduces the amount of money in circulation in the economy, and vice versa.

  • Additional reserve measuresIn some cases, the central bank may require banks to hold additional reserves as a precautionary measure during times of financial crisis or economic instability.

  • Assessing the solvency and liquidity of banksThe central bank continuously monitors the solvency and liquidity of banks to ensure that they have sufficient capital to withstand potential crises.

  • Emergency interventionsIn cases of instability or financial crises, the central bank may intervene by providing additional facilities to banks to ensure sufficient liquidity is available to support the financial system and prevent its collapse.

These tools help to achieve financial stability, control inflation, and support economic growth in Iraq.

3. Foreign Exchange Regulations:

- Exchange RateInstructions relating to the Central Bank's policies for managing the exchange rate of the Iraqi dinar against foreign currencies, which include several key instructions, including :

  1. Official Exchange RateThe Central Bank sets the official exchange rate of the Iraqi dinar against foreign currencies. This rate can change based on economic and political conditions .

  2. Market interventionThe central bank can intervene in the foreign exchange market to buy or sell foreign currencies with the aim of stabilizing the exchange rate. This intervention usually occurs during times of high market volatility .

  3. Foreign exchange reserve managementThe Central Bank works to manage its foreign exchange reserves to ensure that there are sufficient reserves to support the Iraqi dinar in economic or financial emergencies .

  4. Issuing monetary policyThis includes adjusting interest rates and issuing other monetary policy tools to influence the supply and demand for the Iraqi dinar and foreign currencies .

  5. Exchange market controlThe central bank oversees foreign exchange operations to ensure that financial and economic institutions comply with applicable laws and regulations .

  6. Promoting TransparencyThe central bank seeks to enhance transparency in the foreign exchange market by publishing information and reports related to the exchange rate and policies implemented . These policies change over time based on local and international economic and political conditions .

- Exchange Operations: Rules Regulating The Buying And Selling Of Foreign Currencies By Financial Institutions.

 The regulations governing foreign exchange transactions by financial institutions encompass several key aspects to ensure transparency and market stability. These regulations include :

  1. Licenses and registrationFinancial institutions must obtain the necessary licenses from the central bank or the relevant regulatory authority to conduct the activity of buying and selling foreign currencies .

  2. Compliance with standardsFinancial institutions must comply with the standards set by the central bank or regulatory authority, including rules against money laundering and terrorist financing .

  3. Oversight and inspectionRegulatory bodies conduct periodic audits and inspections to ensure that organizations comply with relevant laws and regulations. This oversight may include reviewing financial operations and internal procedures .

  4. Reporting and DisclosureFinancial institutions are required to submit periodic reports to the central bank or regulatory authority, and provide the required disclosures regarding their activities and transactions in foreign currencies .

  5. Limits and restrictionsRegulatory authorities may impose limits on the size of operations or on certain types of transactions to ensure market stability and protect the national economy .

  6. Settlement proceduresFinancial institutions must follow the specified settlement procedures to ensure that foreign exchange buying and selling transactions are executed accurately and quickly .

  7. Risk managementFinancial institutions must develop strategies to manage the risks associated with exchange rate volatility, including the use of hedging instruments when appropriate .

  8. Customer relationsFinancial institutions must provide customers with clear and transparent information regarding exchange rates, fees, and terms related to buying and selling foreign currencies . All these rules aim to ensure the market operates efficiently and fairly, and to protect the economy from potential risks associated with foreign exchange trading .

Tools

In light of the rapid and ever-changing monetary and financial developments worldwide, driven by market needs, the Central Bank of Iraq pursues a monetary policy that keeps pace with these developments. This policy aims to control excess liquidity in banks to manage the money supply and, consequently, curb inflation. The Central Bank relies on two main sets of tools to implement this monetary policy:

 Group 1: Traditional Tools

First: Policy Price

The bank adopted the new monetary policy rate since mid-2023 to be (5.5%) instead of the prevailing rate of previous years, which is based on a set of indicators that keep pace with global developments and financial risks surrounding the country.

Second: Open Market Operations

The Open Market Operations Office was established at this bank in 2023 (previously operating as a department within the Financial Operations and Debt Management Division). It undertakes several key tasks within the framework of monetary policy, including studying domestic liquidity and determining the market's need for new securities.

As part of its monetary policy work, this office studies and determines the liquidity level in the Iraqi banking sector by analyzing deposits, available cash, and credit extended, as well as the lending and borrowing interest rates used by banks. This is done on a weekly basis to gain a comprehensive picture of the monetary situation, the banks' need for securities, and their liquidity requirements to cover short-term obligations.

Furthermore, it identifies the types of securities needed by the market based on the conclusions drawn from these studies. These conclusions, in turn, inform the long-term strategies that the bank aims to implement to achieve price stability . The Central Bank issues the following instruments as part of this process:

A- Issuance of securities by the Central Bank of Iraq

These are central bank transfers and Islamic certificates of deposit, targeting the banking sector (governmental, commercial, and Islamic) as well as individuals with accounts at these banks and government institutions wishing to invest in securities. These securities are issued through auctions conducted by the bank via an approved system, and applications to purchase them are submitted according to the terms and conditions set by the bank. The primary purpose of issuing these securities is:

  • Withdrawing excess liquidity from banks.

  • Reducing private bank lending operations, as securities provide an alternative investment opportunity.

  • Reducing the money supply by applying the two paragraphs above.

  • Reducing inflation rates by directing investment towards holding balances with the central bank.

  • Providing additional liquidity to the bank by reducing its obligations to banks, thus enabling the bank to reinvest it in other instruments.

  • Increasing financial depth by providing securities that can be resold or liquidated at any time banks need liquidity to facilitate their financial transactions.

  • Activating the interbank market for liquidity management involves using securities as a tool for sale within this market or as a guarantee of the liquidity needed by banks. The issuance of securities by the central bank is the first step in activating this market.

  • The repurchase agreement and the reverse repurchase agreementREPO) , because these instruments are considered a starting point for activating the new monetary policy tools.

b) Issuing bonds on behalf of the Ministry of Finance

The Central Bank of Iraq, acting as the financial agent for the government, issues bonds for the Iraqi Ministry of Finance. The primary purpose of issuing these bonds is to finance the state's general budget deficit. The needs are determined according to the Iraqi budget law. The bank announces and promotes these bonds, which target the public and banks. The bank collects the proceeds from the sale of the bonds and transfers them to the account of the Iraqi Ministry of Finance for use within the specified needs of public finance. The bank also undertakes the process of monitoring the repayment of the bond's principal and interest.

c) Rediscount rate (discounting securities in favor of banks)

The office handles the discounting of securities on behalf of banks if they wish to discount the securities issued in favor of the Ministry of Finance in order to provide liquidity to the bank if it needs it.

d- Existing facilities

The need for loan-and-deposit facilities for banks arises when financial systems are underdeveloped, leading to the use of such instruments, which include:

  • Overnight investment.

  • The primary credit of banks, which is at a rate higher than the approved monetary policy rate by adding (2%) to the monetary policy rate, may reach (20%) of the bank's capital.

  • Secondary credit, which is for a longer period and at a higher price than primary credit, becomes the policy price added to it (3%), and it may be guaranteed by securities issued by the Ministry of Finance.

  • The last resort for lending, which allows banks suffering from a financial crisis under exceptional circumstances to grant a loan in accordance with the Central Bank of Iraq Law, at a rate of (3.5%) in addition to the monetary policy rate, and in accordance with guarantees determined by this bank after the approval of the Minister of Finance, provided that the period does not exceed three months, and the Central Bank may renew the period.

The existing facilities at the Central Bank of Iraq, whether for deposits or lending, are completely suspended due to the existence of securities within the open market operations, as well as the securities of the Ministry of Finance, which provide a current opportunity for banks to manage their liquidity without the need for existing facilities.

 Third: Mandatory Reserve Requirements

This is a percentage imposed on deposits in the banking sector, meaning that the Central Bank of Iraq imposes a percentage on deposits according to their type within the sector, including current and current-natured deposits, fixed deposits, savings in dinars and dollars, and the private and government sectors, which have been determined according to the percentages below:

  1. Current deposits of the private sector are (22%) in Iraqi dinars and (18%) in US dollars.

  2. Time deposits in the private sector for all licensed banks (13%) based on the decision of the Board of Directors of this bank No. (63) of 2024.

  3. Government deposits, both current and time deposits, shall be (22%) in Iraqi dinars.

The mandatory reserve is one of the most important monetary policy tools, which works to limit the bank’s ability to grant loans by imposing the above ratios. It is used by the central bank according to the direction of monetary policy. In addition, the mandatory reserve requirements act as a guarantee tool for bank deposits (they are used to pay part of the depositors’ money in the event of a crisis and the bank’s inability to pay).

Group Two: Unconventional Tools

First: Foreign Currency Trading Platform

The Central Bank of Iraq considered the foreign currency sale platform (window) as a means to ensure and stabilize the exchange rate, which contributed significantly to maintaining the stability of the Iraqi dinar exchange rate and providing foreign currency to cover the private sector’s imports of goods and services, as well as the needs of citizens for travel and medical treatment.

The Central Bank of Iraq has established an electronic platform for selling dollars in coordination with international bodies in order to control and regulate the operations of the foreign currency sales window and ensure effective oversight of it.

An international company specializing in building it was commissioned to link banks with the Central Bank through it, with the aim of reducing fraud and terrorism financing and raising the level of performance of the banking sector, which is welcomed by all regulatory and supervisory authorities in the world as it enjoys a high degree of compliance with international requirements and knowledge of the true beneficiary.

 Second: Central Bank initiatives (quantitative easing)

Through its mandate to support development and stimulate the growth of the Iraqi economy, the Central Bank of Iraq seeks to bolster the liquidity of specialized banks with financial initiatives that enable them to provide industrial, agricultural, and housing loans, thereby supporting economic activity and creating job opportunities.

The bank also provides financial initiatives to private commercial banks to finance small and medium-sized enterprises (SMEs). The bank has taken several steps and offered various facilitations, including the following:

  1. Banking facilities through the rescheduling of bank loans to the private sector, especially those owed by small and medium-sized enterprises, as well as increasing the repayment period for existing and future loans.

  2. Continuing to support real activities through the lending policy adopted by the Central Bank and in cooperation with banks operating in Iraq to drive the development process.

https://cbi.iq/page/26

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Let Me Add To This

The Clarity Act isn’t just another regulatory Band-Aid; it’s the kill switch for the old game’s hidden levers.

Once you force atomic settlement, public ledgers, and programmatic supply into law, you don’t merely “regulate” Wall Street you rip out the plumbing that let them rehypothecate, front-run, and manufacture synthetic scarcity for decades.

Ariel: Powerful Post by Mr. Cunningham

1-15-2026

Let Me Add To This

The Clarity Act isn’t just another regulatory Band-Aid; it’s the kill switch for the old game’s hidden levers.

Once you force atomic settlement, public ledgers, and programmatic supply into law, you don’t merely “regulate” Wall Street you rip out the plumbing that let them rehypothecate, front-run, and manufacture synthetic scarcity for decades.

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When every token move is final, visible, and auditable in real time, the arbitrage between paper promises and on-chain truth collapses.

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The Fed’s monopoly on settlement dies the day the first major bank is legally required to settle on a public chain. That day is closer than most people think.

Rob Cunningham: The Clarity Act Is Not “Capture.” It Is Alignment.

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Digital asset markets don’t fail because of innovation. They fail because of opacity, jurisdictional confusion, and discretionary power.

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