Seeds of Wisdom RV and Economics Updates Thursday Evening 10-30-25

Good Evening Dinar Recaps,

Cross-Border Payments & Modernisation — Real-time, Intelligent, Interoperable

Why payments infrastructure is finally becoming the plumbing of the new global reset

Overview
Cross-border payments are undergoing a deep transformation — from slow, opaque, siloed rails to near-instant, high-visibility, smart networks. This change is not just about convenience; it is foundational for a multipolar financial system in which settlement, transparency and speed matter more than legacy incumbency. 

Key developments

• Real-time payment systems and ISO 20022 messaging standards are being adopted widely: improved data, interoperability and reduced reconciliation friction.

• Solutions like SWIFT GPI enable end-to-end tracking of cross-border flows — nearly 60 % of payments credited within 30 minutes, with full delivery within 24 hours. 

• Emerging rails (digital assets, fintech-led routing, programmable accounts) allow payments to reroute dynamically for speed, cost or regulatory advantage. 

What this means for global alliances

• Payment interoperability = alliance interoperability: When major blocs (e.g., BRICS, ASEAN, G7) adopt common messaging or rail standards, they deepen economic alignment.

• Settlement preference as alignment tool: Countries that connect quickly and transparently to modern rails may become preferred trade partners, pushing others into less-connected legacy networks.

• Infrastructure diplomacy: Payment-network governance becomes strategic: who controls node access, routing rules, data visibility becomes part of alliance bargaining.

How this accelerates financial restructuring

• By reducing frictions and latency, the system lowers the cost of doing business across borders — enabling multi-currency and non-dollar settlement to gain traction.

• The greater transparency and real-time nature enable alternative financial ecosystems to emerge that are less reliant on U.S.-centric rails and more regionally autonomous.

• The shift from bank-centrism to rail-centrism means the locus of power moves: from large global banks to protocol/governance owners of payment infrastructure.

Practical signals to watch

• Announcements of new payment-rail alliances, cross-border wallet/funds-transfer hubs, or major banks switching to modern messaging standards (e.g., ISO 20022).

• Countries signing mutual recognition of payment infrastructures or digital-asset settlement links across jurisdictions.

• Reports of major companies routing large cross-border flows via newer rails (digital, wallet-to-wallet) rather than traditional correspondent banking.

Bottom line:
Payments may seem a technical detail — but they are the foundation of global economic exchange. Modern, real-time, interoperable networks are reshaping how money moves, who it moves through and which alliances get preferred access.
This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Finastra – Modernising Cross-Border Payments for a Competitive Advantage

• J.P. Morgan – Cross-Border Payment Modernisation

• SWIFT GPI – Real-Time Cross-Border Payments

• DNB Speech – Cross-Border Implications of Modernising Payment Systems

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Malaysia’s BRICS Bid Gains China–Brazil Backing Amid Trump’s Asian Trade Push

Strategic alliances reshape Southeast Asia’s position in the emerging global financial architecture.

BRICS Expansion Accelerates

Malaysia’s bid for full BRICS membership gained significant traction this week, following public endorsements from China, Brazil, and Russia — three of the bloc’s founding members.
The coordinated support suggests that Malaysia’s full entry into BRICS by 2025 is increasingly probable, marking a milestone in the bloc’s Southeast Asian expansion.

• Brazilian President Lula da Silva affirmed Brazil’s backing during the 47th ASEAN Summit in Kuala Lumpur, calling Malaysia’s entry “a natural step for deeper South–South integration.”

• China’s Foreign Ministry echoed support, emphasizing that Malaysia “shares BRICS’ cooperative goals and development vision.”

• Russia’s Deputy Prime Minister Alexey Overchuk confirmed alignment, noting Malaysia’s “strategic fit within emerging global frameworks.”

If successful, Malaysia would become the second ASEAN nation with full BRICS membership, following Indonesia — strengthening the bloc’s economic footprint in Asia.

Strategic Implications for Southeast Asia

Malaysia’s accession would effectively anchor BRICS influence along the Malacca Strait, one of the world’s most critical trade and energy corridors.
The move signals a shift from dependency on Western-led systems to diversified, multipolar partnerships blending BRICS finance, trade, and digital settlement initiatives.

• Enhanced participation in de-dollarized trade settlements.

• Access to BRICS development financing, alternative to the IMF/World Bank model.

• Expansion of digital infrastructure cooperation, aligning with China’s Belt and Road and Brazil’s south–south fintech programs.

Together, these could accelerate regional integration under a shared digital and resource-backed trade framework.

Trump’s Trade Diplomacy in Malaysia

At the same time, former President Donald Trump’s diplomatic travels through Asia — including Malaysia — have centered on reviving U.S. trade influence in a region increasingly tied to BRICS and China-led frameworks.
During his meetings in Kuala Lumpur, Trump’s delegation emphasized bilateral trade incentives and re-industrialization partnerships, especially in semiconductor and rare earth sectors.

However, these talks occur amid the very BRICS expansion that the U.S. aims to offset.
Trump’s pragmatic strategy appears to position U.S. alliances as complementary rather than adversarial, creating new trade routes that could still integrate with BRICS-linked systems under different governance models.

Global Financial Implications

The Malaysia–BRICS development ties directly into the broader realignment of global finance:

• The inclusion of Malaysia strengthens BRICS’ claim over nearly half of global GDP (PPP).

• Expansion of cross-border digital payment corridors could integrate ASEAN and BRICS via programmable, asset-linked systems.

• A multi-node financial network is emerging — where sovereign trade alliances, real assets, and digital currencies converge outside the traditional Western banking structure.

This mirrors the ongoing global financial restructuring: a transition away from centralized, dollar-dominant systems toward a distributed, multipolar trade and finance ecosystem.

Why It Matters

Malaysia’s advancement toward full BRICS membership — backed by China, Brazil, and Russia — represents more than diplomatic symbolism.
It marks the consolidation of a new financial geography where trade, technology, and sovereignty are integrated through multi-aligned partnerships rather than a single hegemonic axis.

This, alongside Trump’s parallel trade diplomacy in Asia, suggests not decoupling but restructuring — the scaffolding of a global economic reset now taking shape across both blocs.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Source:

• Watcher.Guru – “BRICS New Members: China & Brazil Back Malaysia’s Full Entry”

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Iraq Economic News and Points To Ponder Thursday Afternoon 10-30-25

Iraq Is Second... 29 Million Barrels Of Oil Imported By America From OPEC

Energy  Economy News - Follow-up   The U.S. Energy Information Administration revealed on Thursday that the United States imported more than 20 million barrels of oil from OPEC countries in July, with Iraq being the second largest exporter among these countries.  According to statistics from the administration, the volume of US crude oil imports reached 29.933 million barrels in July 2025.

It indicated that Iraq came second among OPEC countries in terms of oil exports, with a quantity of 9.825 million barrels, while Saudi Arabia came first with exports of 9.996 million barrels, followed by Nigeria in third place with 3.768 million barrels.

Algeria came in fourth with 2.112 million barrels, followed by Libya with 2.011 million barrels, Gabon with 678,000 barrels, Kuwait with 650,000 barrels, and then Venezuela in eighth place with 175,000 barrels.

The administration noted that the remaining member states, Congo, Iran and the United Arab Emirates, did not export any oil to America in July.   https://economy-news.net/content.php?id=61758

Government Advisor: Adopting A Loan Default Insurance Policy Represents A Qualitative Shift In The Lending Structure

Money and Business  Economy News – Baghdad  The Prime Minister’s financial advisor, Mazhar Muhammad Saleh, confirmed on Thursday that the Cabinet’s recent decision to adopt an insurance policy against default on payments instead of a guarantor for housing loans for employees represents a qualitative shift in the structure of bank lending towards enhancing financial inclusion and simplifying procedures.

Saleh said that “the Cabinet’s decision to adopt an insurance policy against default on payments instead of a guarantor in housing loans for employees whose salaries are deposited represents a qualitative shift in the structure of bank lending towards enhancing financial inclusion and simplifying the procedures addressed by the government program, and is an important aspect of the economic reform process in its financial and banking aspects.”

He added: “Therefore, adopting the insurance policy constitutes a double guarantee, as it gives the citizen ease in obtaining the loan without a guarantor, and at the same time provides banks with full protection from the risks of default, which speeds up the lending cycle and increases the efficiency of Iraq’s financial system.”

He pointed out that "this step will positively impact investment in the housing sector by increasing demand for housing units and stimulating the construction and building industries, which will contribute to reducing costs and prices as a result of expanding supply and growing competition."

He explained that “the insurance policy will open up broad horizons for national insurance companies to achieve regular returns from insurance premiums, which will lead to a revival of the insurance business environment and an expansion of its products within the framework of developing the national financial market, and that such a transformation will establish an effective partnership or integration between the banking system and the insurance sector within what is known globally as (bancassurance).”

He added that “adopting the insurance policy instead of the guarantor is not just an administrative procedure, but a structural reform in the national financing system that supports the construction and housing sectors, stimulates the labor market, and at the same time lays the foundations for financial and economic integration that contributes to achieving the goals of sustainable development and is consistent with the principles and objectives of the National Development Plan 2024-2028.”

He noted that “the insurance policy referred to in the Cabinet’s decision is an insurance guarantee that covers the bank against the risk of the borrower not paying the loan installments for any reason (such as death, total disability, loss of employment, or any force majeure circumstances that prevent payment), but under this policy the borrower pays a simple insurance premium once or annually according to the insurance requirements, and in return the insurance company undertakes to pay the remaining amount of the loan to the bank in the event that the borrower defaults on payment for force majeure reasons, and coverage for the risks of payment continues throughout the entire loan term.” https://economy-news.net/content.php?id=61763

Global Oil Prices Decline

Economy | 08:05 - 30/10/2025  Mawazine News – Economy  Brent crude futures fell three cents, or 0.05%, to $64.89 a barrel, while U.S. West Texas Intermediate crude futures slipped 11 cents, or 0.18%, to $60.37 a barrel.
https://www.mawazin.net/Details.aspx?jimare=269353

The Dollar Remained Stable At The Close Of Weekly Trading.

Economy | 11:21 - 30/10/2025  Mawazin News - Baghdad:  The exchange rate of the US dollar against the Iraqi dinar has witnessed remarkable stability in local markets.   The selling price reached 142,000 dinars per 100 dollars, while the buying price reached 140,000 dinars per 100 dollars.  https://www.mawazin.net/Details.aspx?jimare=269372

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

Seeds of Wisdom RV and Economics Updates Thursday Afternoon 10-30-25

Good Afternoon Dinar Recaps,

Shadow Credit Shock: How Hidden Bank Links to Private Debt Threaten Global Stability  

As banks quietly bankroll private-credit giants, regulators warn that the next liquidity crunch may already be inside the system.  

Overview
Regulated banks are increasingly exposed to the booming private-credit (non-bank) sector — through credit lines, term loans, and other facilities. This growth brings potential contagion channels and liquidity mismatches that could stress alliances and financial architecture.

Key developments

• U.S. banks hold roughly $79 billion in revolving credit lines and around $16 billion in term loans to private-credit vehicles as of Q4 2024; while bank exposure to other NBFIs stands at $2.2 trillion.

• The International Monetary Fund (IMF) and other regulators are warning that exposures to private credit — via linkages with buy-out firms and private-equity backed companies — pose financial-stability risks. 

• Many banks struggle to map overlapping exposures where they co-lend alongside private-credit funds, or where one borrower sits in multiple liability chains — creating hidden leverage. 

• Recent banking-stock sell-offs in the U.S. occurred after auto-finance bankruptcies (e.g., firms backed by private-credit lenders) renewed investor anxiety about underwriting quality.

What this means for global alliances

• Risk mutualisation across systems: As banks in different jurisdictions lend into private-credit structures, shocks in one region (e.g., U.S. sub-segments) can propagate globally — forcing cooperative regulatory responses.

• Alignment of regulatory regimes: Countries must coordinate oversight of private-credit linkages and bank exposures — alliances may form around shared standards (rather than purely geographic blocs).

• Financial-system hedges and alternatives: With banks exposed, states and major financial hubs may push for settlement systems and credit facilities that reduce reliance on opaque bank-channels — potentially favouring alternative infrastructures.

How this accelerates financial restructuring

• The growing opacity of private-credit exposures highlights the need for new transparency, monitoring, and settlement frameworks beyond classical banking channels — reinforcing the case for multiple clearing/settlement systems.

• Capital will increasingly flow toward jurisdictions and institutions perceived as less exposed to these cross-links — shifting funding patterns and re-allocating financial centre prominence.

• The fragmentation in credit-intermediation channels supports the emergence of dual (or multiple) financial ecosystems: one anchored in traditional bank networks, another in less regulated, fund-based networks with linkages to trade and state-backed finance.

Practical signals to watch

• Announcements of large bank exposures to private-credit vehicles or borrowings by major private-credit funds.

• Regulatory commentary or investigations focussed on bank–private credit fund linkages in major finance centres (e.g., U.S., Europe, Asia).

• Movements in bank equity spreads, non-bank lending growth, and signs of leveraged credit facilities tightening.

Bottom line:
The intersection of banks and private-credit markets is no longer a niche issue — it has become a structural fault line in the financial system. Financial alliances and infrastructure will increasingly be defined by who sits outside traditional bank-fund channels as much as by who remains inside.
This is not just politics — it’s global finance restructuring before our eyes.                                                                                      

Seeds of Wisdom Team

• Federal Reserve – Bank Lending to Private Credit: Size, Characteristics, and Financial-Stability Implications

• Boston Fed – Could the growth of private credit pose a risk to financial system stability?

• Guardian – Head of IMF says risks in private credit market keep her awake at night

• MarketWatch – Banks’ exposure to private credit may pose contagion risk

• Reuters – Global bank stocks slide on credit worries, U.S. lenders eke out gains

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Metals as the New Money Signal: Gold Now Mirrors Liquidity Cracks in the Global System  

Gold’s surge beyond $4,000 isn’t just a flight to safety — it’s a flashing warning light for global funding stress and the birth of metal-backed finance.  

Overview
Precious and industrial metals are increasingly responding not just to inflation or geopolitics but to liquidity dynamics and financial-system risk. Sharp swings in metals markets reflect cracks in funding and settlement systems. 

Key developments

• A spike in the U.S. Secured Overnight Financing Rate (SOFR) relative to the Fed’s Interest on Reserve Balances (IORB) signals acute funding stress; this in turn has triggered short-term volatility in gold and silver. 

• Analysts argue that the recent rally in gold (above $4,000/oz) is driven less by geopolitics and more by global-liquidity expansion and funding-stress hedging. 

• Commentary warns that liquidity squeezes can hit metals quickly then fade as policy intervenes — yet the underlying structural trend remains. 

What this means for global alliances

• Hard-asset coordination: Countries and regional blocs with strong metal reserves (or metal-settlement facilities) can play a coordination role in a multipolar financial order.

• Settlement hedges: Metals become part of trade-settlement strategies as states diversify from purely fiat or dollar-based systems — alliances may form around shared metal-backed frameworks.

• Liquidity-network blocs: States with access to deep funding markets and metal-backed liquidity may attract capital and trade flows away from those without these buffers — realigning economic alliances.

How this accelerates financial restructuring

• The re-role of metals from “safe-asset” to settlement collateral and liquidity gauge supports a restructuring of the global financial architecture: hard-assets underpin digital and traditional finance alike.

• Liquidity-stress episodes that show up in metals signal the need for parallel funding and settlement systems outside the over-leveraged bank-centre infrastructure.

• Investment flows increasingly favour jurisdictions with transparent metal-settlement chains and central-bank participation — shifting the geography of financial power.

Practical signals to watch

• Further sharp moves in SOFR, IORB or comparable short-term funding rates.

• Announcements of metal-backed settlement corridors, metal-tokenisation initiatives or joint metal-reserve holdings.

• Spreads between metal prices and implied hedge/funding-cost measures (e.g., gold-carry, vault-premiums).

Bottom line:
Metals are often portrayed as safe-havens. But today they are also symptoms and participants in the new liquidity architecture — bridging funding systems, national-reserve strategy, and settlement infrastructure.
This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• FXEmpire – Gold (XAUUSD) & Silver: How Fed Liquidity Stress Could Trigger Pullback

• FXStreet – Keep your eye on the ball: Metals, liquidity, Fed pivot

• Discovery Alert – How Global Liquidity Drives Record Gold Prices in 2025

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Follow the Gold/Silver Rate COMEX

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Thank you Dinar Recaps

Seeds of Wisdom RV and Economics Updates Thursday Morning 10-30-25

Good Morning Dinar Recaps,

Trump’s Trade Deals in Asia — Strategic Trade Meets Financial Settlement

Why the latest U.S. trade pacts in Asia matter for the global financial reset

Overview
Donald Trump’s recent trade agreements with Southeast Asian nations (notably Malaysia, Cambodia, Vietnam and frameworks with Thailand) illustrate how economic diplomacy is being used to recast alliance structures in Asia — and by extension, to reposition access to global trade and financial networks. 

Key developments

• On October 26 2025, the U.S. finalised trade deals with Malaysia and Cambodia, covering about 68 % of U.S.–ASEAN two-way trade.

• The pacts include provisions for export-controls, investment-screening, and tariff concessions tied to broader strategic goals (implicitly directed at China). 

• The U.S. also struck a one-year trade truce with Xi Jinping’s China on the sidelines of the APEC summit (October 30 2025), easing trade-war risk and injecting new momentum into regional realignments. 

What this means for global alliances

• Trade deals as alliance currency: The U.S. uses access and concessions in trade to cement partnerships and counter competing blocs (e.g., China-ASEAN, BRICS).

• Financial settlement risk and loyalty: Countries aligned with U.S. trade architecture may gain preferential access to dollar-flows, debt markets and settlement rails — reinforcing the trade-finance-alliance triangle.

• Regional realignment: Southeast Asia may pivot from being primarily China-linked to diversifying toward U.S. and Western networks — changing trade-ecosystem risks and rewards.

How this accelerates financial restructuring

• Stronger U.S. trade ties with strategic partners allow the U.S. to remain central in settlement systems, yet the incentive for others to build parallel systems rises if they feel excluded.

• As trade deals are increasingly tied to economic security and tech supply-chains, settlement systems upgrade to reflect those linkages — making trade and finance inseparable in the new architecture.

• We are seeing a dual-track system: one anchored in the U.S./West trade-finance model and one emerging from Asia-Pacific/BRICS with its own rails. These trade deals sharpen the contours of that bifurcation.

Practical signals to watch

• Which nations receive settlement-rail access, swap line support or credit enhancements following trade deals.

• Whether new trade agreements explicitly mention payment-system or financial-infrastructure cooperation.

• If nations outside the U.S.–Japan–Australia bloc accelerate links with BRICS or non-U.S.-settlement networks as a hedge.

Bottom line:
Trade is not just about goods and tariffs anymore — it’s about who controls the flow of payments, access to finance and settlement networks. These Asia-Pacific deals reshape the map of alliances, and finance will follow the trade.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Politico – Trump finalises trade deals with Malaysia, Cambodia, frameworks for Thailand & Vietnam

• Reuters – US signs trade deals with Cambodia, Malaysia under Trump

• White House Fact Sheet – President Trump Drives Forward Trade Deals with Southeast Asian Countries

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Jerome Powell’s Rate Cut — Monetary Shift, Global Fallout

Why the Fed’s decision matters not just for the U.S., but for the emerging global financial order

Overview
The Federal Reserve, under Chair Powell, cut its benchmark interest rate by 25 bps, bringing the federal funds rate to 3.75 %-4.00 % on October 29 2025. However, Powell signalled that further cuts are not guaranteed, injecting uncertainty into the global liquidity outlook. 

Key developments

• The second rate cut in 2025 comes amid concerns of labour-market softness and economic slowing. 

• Powell emphasised that “a further reduction of the policy rate in December is not a foregone conclusion.” 

• The Fed’s statement reaffirmed its dual mandate of maximum employment and inflation-at-2 %. 

What this means for global alliances

• Reserve-currency signalling: A U.S. rate cut weakens the dollar’s yield advantage, prompting reserve-holders and trade partners to reconsider currency-diversification and settlement-systems.

• Liquidity shifting: Lower U.S. policy rates can drive capital flows toward emerging markets — those that can offer stable settlement rails become more attractive partners.

• Monetary policy as geo-economic tool: The Fed’s stance influences global yields, funding costs and the competitive positioning of monetary blocs (U.S./G7 vs. BRICS).

How this accelerates financial restructuring

• Lower U.S. rates reduce the structural advantage of dollar-funded trade and settlement systems — creating space for alternative currency systems and rails to gain traction.

• Uncertainty about future U.S. policy increases incentives for countries to seek non-dollar settlement channels and to build reserves in other currencies or hard assets.

• The link between trade/settlement infrastructure and national currency policy becomes tighter — monetary policy decisions matter for alliance structuring and settlement networks.

Practical signals to watch

• Movement in carry trades and dollar funding-cost spreads.

• Reserve-currency diversification announcements from major economies (e.g., central banks increasing non-USD holdings).

• New settlement deals in local currencies following or triggered by the Fed’s rate change.

Bottom line:
A seemingly domestic monetary policy decision — a rate cut by the Fed — is in fact a signal in the global architecture. It influences alliances, settlement rails and the balance of financial power.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Reuters – Fed lowers rates, but Powell suggests move may be the last of 2025

• CBS News – Federal Reserve cuts interest rate by 0.25%

• Axios – Fed cuts again but signals December cut uncertain

~~~~~~~~~

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“Tidbits From TNT” Thursday Morning 10-30-2025

TNT:

Tishwash:  A mysterious visit and closed-door meetings: Trump's envoy arrives in Baghdad "secretly" and meets with prominent political leaders.

On Wednesday (October 29, 2025), journalist Hossam Al-Hajj, known for his close ties to political parties, leaked that Mark Savaya, the special envoy of US President Donald Trump, arrived in Baghdad two days prior and held a series of secret meetings with several heads of political blocs.

According to information relayed by Al-Hajj, the meetings took place away from the spotlight and had a sensitive political character, addressing the upcoming American strategy in Iraq, issues related to the American presence, elections, and regional alliances.

There has been no official confirmation yet from the US Embassy or the Iraqi government regarding the visit or details of the meetings held by the US envoy.  link

Tishwash:  The constitutional clock is ticking... A deputy announces the end date of the parliament's term and reveals the "last minute" sessions. 

Member of Parliament’s Legal Committee, Murtada al-Saadi, revealed on Wednesday (October 29, 2025) the constitutional date for the end of the current session of the House of Representatives, speaking about the possibility of holding limited sessions after the upcoming elections to complete postponed legislation.

Al-Saadi told Baghdad Today, “The current House of Representatives held its first session after taking the constitutional oath on January 9, 2022, and according to constitutional and legal procedures, it can continue to hold sessions and vote on laws until January 9, 2026, that is, after four full years of the current term.”

He explained that “this legal cover gives Parliament the authority to hold sessions, discuss draft laws, conduct readings, and ultimately vote on them,” but he ruled out “holding any new session before November 11, due to the political blocs being preoccupied with election campaigns and field activities.”

He added that “Parliament will hold only one or two sessions after the elections to decide on a group of laws that have reached advanced stages of discussion, especially those that enjoy broad political consensus,” indicating that “a number of these laws have completed the first and second reading stages and are ready to be put to a vote in the coming period.”

This clarification comes as the electoral process enters its final stages, with parliamentary work having been suspended for weeks due to political blocs being preoccupied with alliances and election campaigning. Observers predict that the current session may conclude after the approval of a limited set of laws before the start of the new session in early 2026.  link

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Tishwash:  International Smart Card (QiCard) Showcases Iraq’s Fintech Leadership at Money 20/20 USA “From Iraq to the World” 

DUBAI, United Arab Emirates--(BUSINESS WIRE)--International Smart Card (QiCard), Iraq’s leading provider electronic payment solutions, set to represent Iraq’s rapidly advancing fintech sector at Money 20/20 USA 2025, the world’s most influential event for payments, banking financial innovation, taking place October 26–29, 2025 in Las Vegas.

Official sponsor, International Smart Card (QiCard) marks a defining moment for Iraq’s digital economy demonstrating how a nation once limited by cash is now exporting innovation, financial inclusion, trusted technology globally.

“QiCard was born from a belief that Iraq can be a source of innovation, not just a beneficiary of it,” said Ali Moneim, CEO of International Smart Card (QiCard). “Our participation at Money 20/20 isn’t simply about presence; it’s about proudly sharing an Iraqi success story that has transformed millions of lives through secure and accessible financial technology.”

At the event, QiCard will showcase its biometric smart card systems, secure e-payment infrastructure, and pioneering financial inclusion initiatives that have empowered over 19 million citizens and 50,000 merchants across Iraq. The company’s mission extends beyond technology — it seeks to build a connected Iraq where digital trust and economic participation are within everyone’s reach.

“Our growth has always been driven by empathy and accessibility,” said Ahmed Kadhim, CIO at International Smart Card (QiCard). “Every innovation begins with the needs of our people — from retirees to students and that human-first approach is what we’re proud to present to the global fintech community.”

Money 20/20 USA brings together more than 10,000 industry leaders from financial institutions, regulators, and investors to shape the future of finance. QiCard’s participation underscores Iraq’s emergence as a new fintech hub in the Middle East — proving that local expertise and global standards can coexist to drive sustainable innovation.

“Innovation is not a department at QiCard — it’s our identity,” said Hasan Abdulhadi, Chief Innovation Officer at International Smart Card (QiCard). “From developing biometric authentication to building interoperable payment ecosystems, our goal is to take Iraqi ingenuity beyond borders — to show that solutions born in Baghdad can compete globally.”

Through its participation, QiCard reinforces its commitment to expanding cross-border partnerships, attracting investment to Iraq’s fintech sector, and championing the message that progress, innovation, and financial empowerment can emerge from anywhere.

QiCard is bridging local innovation with global impact.  link

Mot: To-do list

Mot: Over 40 vibes

Fed Cuts Rates to 4% as Market Liquidity Drains

Fed Cuts Rates to 4% as Market Liquidity Drains

Lena Petrova:  10-29-2025

The financial world is holding its breath as the Federal Reserve gears up for its next highly anticipated policy decision. While a quarter-point interest rate cut seems almost a foregone conclusion for many, the real story – the one with profound implications for markets and the economy – lies in what happens to the Fed’s massive balance sheet.

Specifically, all eyes are on the future of Quantitative Tightening (QT), the Fed’s quiet but powerful program of shrinking its asset portfolio. And according to recent insights, we might be on the cusp of a significant pivot away from tightening.

To understand the shift, let’s quickly recap. During times of crisis, like the 2008 financial meltdown and the C***D-19 pandemic, the Fed aggressively expanded its balance sheet, buying trillions of dollars in bonds and other assets. This “Quantitative Easing” (QE) injected massive liquidity into the system, aiming to stabilize markets and stimulate the economy.

Once the immediate crises passed and inflation became a concern, the Fed began Quantitative Tightening (QT). This involves allowing those bonds to mature without reinvesting the proceeds, effectively pulling money out of the financial system. The Fed’s balance sheet, which soared to nearly $9 trillion, has since shrunk to around $6.5 trillion. The goal: to normalize the economy after years of extraordinary stimulus.

For months, the Fed has been on autopilot with QT. But signs are emerging that the financial plumbing is getting too tight. Liquidity in short-term funding markets, where banks and financial institutions borrow from each other overnight, has been showing signs of stress. We’ve seen troubling spikes in overnight borrowing rates, indicating a scramble for cash.

With cash flowing out due to the TGA and no longer being absorbed by the RRP, the ongoing QT program is acting as a “double whammy,” further draining liquidity and making short-term markets increasingly fragile.

Against this backdrop, many economists believe the Federal Reserve will soon pause or even end its QT program. Why? To prevent a full-blown liquidity crisis and stabilize funding markets.

Ending QT would mark a subtle but powerful shift. It wouldn’t be “Quantitative Easing” (QE) – the Fed wouldn’t be actively buying assets again right away. Instead, it would be a move from actively withdrawing liquidity to a more supportive stance, ceasing the drain and allowing market conditions to normalize. This could involve adjustments to the Fed’s standing repo facility to ensure ample liquidity.

The Fed’s upcoming decision is more than just a number on interest rates. It’s a recalibration of its entire monetary strategy, impacting everything from your mortgage rates to corporate borrowing costs. It’s a testament to the complex balancing act central banks perform to keep the economic engine running smoothly.

For a deeper dive into these crucial developments, I highly recommend watching the full video from Lena Petrova, which provides further insights and context.

https://youtu.be/ZJT92zuJj2Q

Iraq Economic News and Points To Ponder Wednesday Evening 10-29-25

Liquidity And Balance Of Payments In Iraq Declined Over The Past Three Months.

Money and Business   Economy News – Baghdad  The Ministry of Planning announced on Wednesday the economic indicators for the country for the first quarter of 2025.

The Central Statistical Organization of the Ministry stated in a report seen by “Al-Eqtisad News” that the most important indicators for the first quarter of 2025 indicate a decrease in merchandise imports compared to exports, which led to a decrease in the net balance of payments to reach 5.9 trillion dinars.

He added that there has been a decrease in public deposits with banks, which has led to a decline in cash liquidity, noting that total bank credit amounted to 71.3 trillion dinars.

He pointed out that the amount of electricity produced in the first quarter of 2025 amounted to 33,142,433 megawatt-hours, while the amount of imported energy amounted to 1,673,496 megawatt-hours.

The unit "megawatt-hour" means the amount of power generated or imported during the actual operating hours of the national electricity grid.     https://economy-news.net/content.php?id=61721

Customs Revenues Exceed 2.15 Trillion Dinars.

Money and Business  Economy News – Baghdad   The Customs Authority has achieved revenues exceeding two trillion and one hundred and fifty billion dinars since the beginning of this year, with expectations that they will reach about 2.5 trillion dinars by the end of the year, according to what was confirmed by the Director General of the Authority, Thamer Qasim Al-Tai.

Al-Ta’i explained in an interview with Al-Sabah, which was followed by Al-Eqtisad News, that this large increase came as a result of adopting modern electronic systems that contributed to doubling the value of imports and improving customs work mechanisms, noting that revenues increased from one trillion dinars in 2023 to more than two trillion dinars this year, and that the complete digital transformation is the main reason for this progress.

Al-Ta’i explained that the revenues achieved will support the state budget within the government’s direction to maximize non-oil resources and support the national economy by revitalizing revenue sectors, in line with the government’s program to achieve accelerated economic and investment growth.

He pointed out that the Authority has begun amending the Customs Law, which dates back to the 1980s, to introduce the concepts of electronic work, digital declaration, and simplification of customs procedures, in order to keep pace with global technological development and contribute to facilitating trade.

Al-Ta’i said that among the most prominent steps of the electronic transformation is the adoption of the “single window” system, which links the government agencies concerned with import and export operations, in addition to the application of the global “ASYCUDA” system to facilitate procedures, reduce time and effort, and reduce corruption rates.

He stressed that the Prime Minister’s interest in the ports and customs file contributed to accelerating the steps of digital transformation and enhancing the Authority’s position as one of the most important sources of non-oil revenues, noting that full automation will reflect positively on the national economy by encouraging investment, raising performance efficiency and reducing operational costs.

In conclusion, Al-Ta’i stressed that the Authority is continuing to develop its legal and technical structure, in order to ensure transparency and smoothness in procedures and enhance the confidence of the commercial and industrial sectors in state institutions.      https://economy-news.net/content.php?id=61717

The Dollar Continues To Rise In Baghdad

Economy | 11:35 - 29/10/2025   Mawazin News - Baghdad:  The exchange rate of the US dollar rose in Baghdad's local markets.  The dollar reached 141,150 Iraqi dinars per 100 US dollars in the Al-Kifah and Al-Harithiya exchanges.

Meanwhile, the selling price remained stable in Baghdad's local currency exchange markets, at 142,000 Iraqi dinars per 100 US dollars, while the buying price was 140,000 Iraqi dinars per 100 US dollars. https://www.mawazin.net/Details.aspx?jimare=269318

Oil Prices Rise Due To Declining US Inventories

Economy | 09:06 - 29/10/2025  Mawazin News -  Oil prices saw a slight increase after a three-day decline, amid reports of a drop in US crude inventories, which bolstered prices in global markets.

Brent crude futures rose 20 cents, or 0.31%, to $64.60 a barrel at 02:03 GMT. US West Texas Intermediate crude futures also climbed 18 cents, or 0.3%, to $60.33 a barrel.

Despite this rise, investors remain concerned about the impact of potential sanctions on Russia, along with expectations of increased production from the OPEC+ alliance, which could limit further gains. https://www.mawazin.net/Details.aspx?jimare=269306

Gold Prices Are Rising Again In Baghdad.

Economy | 29/10/2025  Mawazin News - Baghdad:  Gold prices, both foreign and Iraqi, have risen in local markets in Baghdad.  In the wholesale markets of Al-Nahr Street in Baghdad, the selling price of one mithqal (approximately 4.5 grams) of 21-karat gold (Gulf, Turkish, and European)

reached 793,000 Iraqi dinars, while the buying price was 789,000 dinars. The selling price of one mithqal of 21-karat Iraqi gold was 763,000 dinars, and the buying price was 759,000 dinars.

As for retail prices at goldsmith shops, the selling price of one mithqal of 21-karat Gulf gold ranged between 795,000 and 805,000 dinars, and the selling price of one mithqal of Iraqi gold ranged between 765,000 and 775,000 dinars.

https://www.mawazin.net/Details.aspx?jimare=269319

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

Seeds of Wisdom RV and Economics Updates Wednesday Evening 10-29-25

Good Evening Dinar Recaps,

Currency — Currency Diplomacy and the Slow Shift from Dollar-Only Settlement

How FX moves and central-bank signalling are becoming diplomatic tools, and what that means for alliance economics

Overview
Currency markets are not just pricing interest rates or growth; they are being used deliberately as diplomatic signalling tools (fixes, verbal intervention, managed exchange-rate adjustments). Recent PBOC fixes and dollar moves around trade optimism show how policy and diplomacy interact in FX. FXStreet+1

Key developments

• The People’s Bank of China set a stronger USD/CNY midpoint in recent sessions, signalling support for a firmer yuan amid trade diplomacy. 

• The U.S. dollar weakened modestly as trade optimism increased, reducing some safe-haven FX demand. 

What this means for global alliances

• Instrumental currency policy: States now use FX policy to reward or discipline partners — coordinated moves (e.g., synchronized fixes or intervention) can be an instrument of alliance economics.

• Local-currency preference: As trust networks deepen, countries in the same political/economic bloc increasingly prefer settling trade in local currencies, reducing USD invoicing for aligned partners.

How this accelerates financial restructuring

• Greater use of local-currency settlements and swap lines reduces transaction reliance on the USD → this is a structural shift in the plumbing of cross-border finance. 

• Central bank reference-rate management and verbal signalling become part of diplomatic toolkits: currency action is policy and diplomacy simultaneously.

Practical signals to watch

• New agreements to invoice or settle trade in local currencies (bilateral announcements).

• Expansion of central bank swap lines or regional FX stabilization facilities.

• PBOC and other major central bank midpoint/fixing behavior around high-profile diplomatic events.

Bottom line: Currency policy has become a diplomatic lever. The gradual shift toward multi-currency settlement, coordinated fixes and regional FX facilities will be a core pillar of the emerging financial architecture.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• FXStreet — PBOC Sets USD/CNY Reference Rate at 7.0856 vs 7.0881 Previous

• Reuters — Dollar Hits Two-Week High Against Yen as Trade Talks, Fed Meeting Loom

• Reuters — Global Markets Wrapup (China)

~~~~~~~~~

BRICS Capitals Sign Moscow Pact, Mark New Phase of De-Dollarization

How a municipal-level pact is accelerating the shift away from the dollar and reshaping global alliances

Overview
The BRICS (Brazil, Russia, India, China, South Africa + newer members) de-dollarization drive has taken a concrete step forward: on October 28, 2025 the Moscow City Duma hosted representatives from capitals and major cities of BRICS countries at a signing ceremony of a cooperation agreement aimed at reducing reliance on the U.S. dollar and building a multipolar financial system. 

Key developments

• Mayors, city council heads and parliamentary officials from BRICS member capitals gathered in Moscow to sign the agreement. Pars Today+1

• The agreement emphasises trade in local currencies, alternative cross-border payment systems and municipal diplomacy as tools to challenge Western-dominated financial structures. 

• Russian Deputy Prime Minister Alexander Novak claimed Russia has shifted to local-currency settlements with China and India by 90-95%. 

What this means for global alliances

• Vertical integration of alliances: National governments are now being complemented by municipal layers of cooperation — capitals and cities aligning with national foreign-policy aims.

• New axis of trade & finance: Capitals of BRICS nations coordinating creates a parallel network of economic diplomacy outside traditional Western structures.

• Shared currency strategy: By promoting local-currency trade and payment systems, BRICS members deepen their mutual dependencies and signal a combined alternative to dollar-centric alliances.

How this accelerates financial restructuring

• The pact signals a step toward settlement systems outside the dollar-clearing architecture (SWIFT/dollar-invoiced trade).

• It strengthens the trend toward local-currency invoicing and payments, which reduces exposure to U.S. monetary policy and sanctions risk. 

• City-level diplomacy means the infrastructure of finance is being re-wired from the ground up—making the architecture of global finance more distributed and less U.S./West-centric.

Practical signals to watch

• Announcements from BRICS capitals about trade settlements in local currency or bypassing the dollar.

• Establishment of municipal or regional clearing and payments platforms tied to BRICS frameworks.

• Further coordination of policy between national and city governments in BRICS nations around de-dollarisation and finance.

Bottom line:
This isn’t just rhetorical: by institutionalising cooperation at the capital/city level, BRICS is laying a structural foundation for a multipolar financial system. The dollar remains dominant today—but the scaffolding for its alternative is being built.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Watcher Guru — BRICS Capitals Sign Moscow Pact, Mark New Phase of De-Dollarization

• Pars Today — BRICS capitals sign cooperation agreement in Moscow

• Mehr News Agency — BRICS capitals cooperation agreement signed in Moscow

• TV BRICS — Moscow City Duma launches new format of cooperation between BRICS capitals

• New Politics — The BRICS and De-Dollarization

~~~~~~~~~

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Seeds of Wisdom RV and Economics Updates Wednesday Afternoon 10-29-25

Good Afternoon Dinar Recaps,

Markets — Hope vs. Fear: The Two-Speed Repricing

Why markets are simultaneously rallying on diplomatic hope and testing safe-haven ceilings

Overview
Equities and credit markets have shown optimism tied to high-level trade diplomacy and ceasefire developments, while safe-haven assets (gold, certain sovereign bonds) remain sensitive to headline risk. Markets are price-discovering around two possible pathways — durable détente or episodic relapse. 

Key developments

• Stocks climbed on growing hopes of US-China trade progress; currency moves signalled reduced refuge flows to the dollar.

• Oil and defence equities have trimmed the wartime premium after ceasefire signals, but volatility remains. 

What this means for global alliances

• Market signaling: Rapid market responses to diplomatic actions increase the value of being a first-mover in economic diplomacy (trade pacts, tariff relief).

• Investment corridors: Nations that secure peace or trade deals will attract faster capital deployment; allied states will coordinate to build the accompanying financing platforms (bonds, guarantees, development funds).

• Coalition economics: Economic blocs may tighten policy coordination (tariff reductions, synchronized investment incentives) to lock in advantages.

How this accelerates financial restructuring

• Access to capital will increasingly follow political trust networks; market access becomes another lever in alliance politics.

• Private capital will be channeled into projects that carry diplomatic backing, supported by state risk-sharing mechanisms.

Practical signals to watch

• Sector rotation: inflows into infrastructure, travel, and regional champions after diplomatic wins.

• Changes in sovereign bond spreads for countries central to new trade or peace frameworks.

Bottom line: Markets are a real-time scoreboard of diplomacy; as alliances shift, capital follows swiftly — creating new winners and hastening financial realignment.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Reuters — Global Markets Wrapup (China)

• Reuters — Trump-Xi Trade Talks Near as Investors Turn to History Guide

• Reuters — Global Market Reaction: Two Years of War in Gaza

~~~~~~~~~

Metals — Gold as Barometer, Not Bulwark

Why gold’s volatility reflects political risk and the search for monetary insurance

Overview
Precious metals have seen dramatic moves: gold hit record forecasts and rallied strongly on risk, then softened as trade/diplomatic optimism returned. Gold today functions as a barometer of fear and a strategic reserve preference — and central banks are key actors. 

Key developments

• Analysts and industry forecasts project higher structural prices (some near-term forecasts exceeding $4,000/oz), driven by central bank buying and hedge demand. 

• Price dips occurred quickly when diplomatic or trade optimism reduced safe-haven demand (gold below $4,000 after trade progress headlines). 

What this means for global alliances

• Reserve strategy: Countries seeking autonomy from dollar dependence accelerate gold accumulation and bilateral swap arrangements to insulate from sanctions or policy shocks.

• Strategic signaling: Visible purchases or gold-backed initiatives become diplomatic signals — showing intent to build parallel monetary buffers.

How this accelerates financial restructuring

• Increased gold accumulation by non-Western central banks supports multi-asset reserve diversification, which underpins arguments for multi-currency or asset-backed settlement systems. 

• Private market structures (warehouse, vaulting, and tokenized gold platforms) tied to state partners may become instruments of cross-border trade settlement.

Practical signals to watch

• Central bank gold buying announcements and import/export flows.

• Emergence of new gold-settlement corridors or gold-linked settlement hubs.

Bottom line: Metals, especially gold, are becoming strategic insurance in a world where political alignment equals financial resilience; their price swings are the market’s heartbeat.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Reuters — Gold Dips as Stronger Dollar, US-China Trade Deal Hopes Weigh

• Reuters — Annual 2026 Gold Price Forecast Tops $4,000/oz for the First Time

• Reuters — Gold Industry Sees Price Rising Near $5,000 an Ounce Over 12 Months

~~~~~~~~~
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Follow the Gold/Silver Rate COMEX

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Iraq Economic News and Points To Ponder Wednesday Morning 10-29-25

Expert: Iraqi Banks Need Comprehensive Reform To Free Themselves From The Restrictions Of Dollar Transactions.
 
Economy   October 27, Information / Baghdad Financial and banking expert Mustafa Hantoush confirmed on Monday that the   banking sector in Iraq is on the verge of a new phase,  as it approaches liberation from the restrictions of dealing in dollars, but at the same time it needs radical reforms to   modernize its operational structure and   enhance its efficiency. 

Hantoush told Al-Maalouma News Agency that “about 90% of the Iraqi banking system is still subject to theeffects of dollar restrictions as a result of the   suspicions and   problems      it has experienced in recent years,” noting that “it is expected that in less than three months  some banks will begin to gradually free themselves from those restrictions.”

He added that "the banking process in Iraq is still limited in activity,as it requires the introduction of an integrated system that includes   deposits,   loan financing, and   expanding investment areas, in addition to   updating the standards in place in cooperation with the Central Bank of Iraq."
 
He explained that  "achieving full financial inclusion represents   a fundamental step in developing the sector, through   diversifying banking services and   not being limited to current accounts only," while stressing "the importance of strengthening relations with international banks and   opening new correspondence channels   that enable Iraqi banks to   effectively integrate into the international financial system," adding that "updating technical systems and simplifying procedures to serve citizens   is a crucial stage in the reform process,   provided that   complications and  administrative routine  that  hinder development and   limit the efficiency of banking performance   are avoided." End / 25M      
https://almaalomah.me/news/113919/economy/خبير-:-المصارف-العراقية-بحاجة-الى-اصلاح-شامل-للتحرر-من-قيود      

Iran Proposes Creating A Unified Regional Currency To Boost Trade Among Countries In The Region.
 
October 28, 2025Tehran/Iraq Observer   Iranian President Masoud Pezeshkian proposed on Tuesday the  creation of a unified regional currency for the countries of the region,  with the aim of boosting trade and strengthening economic cooperation,  in light of the continued international sanctions imposed on Tehran.
 
During his meeting with the Tajik Interior Minister in Tehran, Pezeshkian said that  “adopting a common currency in the region could contribute to achieving economic development and expanding areas of cooperation between member states.”
 
The Iranian president pointed out that  “the religious and cultural ties that unite the countries of the region form a suitable basis for strengthening relations and overcoming obstacles to economic cooperation,”  during his speech at the Economic Cooperation Organization summit.
 
The organization was founded in 1985 at the initiative of Iran, Pakistan and Turkey, and currently has ten members, including five Central Asian countries (Tajikistan, Kyrgyzstan, Uzbekistan, Kazakhstan and Turkmenistan), in addition to Azerbaijan and Afghanistan, and the combined population of its countries is more than 550 million people.
 
This call comes at a time when the Iranian economy is facing significant pressure due to US sanctions related to its nuclear program, which have led to a decline in the value of the rial and a rise in inflation rates.      
https://observeriraq.net/إيران-تقترح-إنشاء-عملة-إقليمية-موحدة-ل/  

A Controversial Agreement Between The Central Bank Of Iraq And A Kuwaiti Bank Opens The Door To Financial Debate.

2025 Last updated: October 29,   Al-Mustaqilla - In a surprising move that sparked controversy in financial and economic circles, the Central Bank of Iraq announced on Wednesday the signing of a joint cooperation agreement with the  National Bank of Kuwait - Bahrain Branch,
 
during a ceremony held at the Central Bank headquarters in Baghdad, in the presence of Governor Ali Mohsen Al-Alaq and a number of senior officials.
 
According to the official statement, the agreement aims to enhance cooperation in the areas of   financial transfers,   electronic payment,   training, and the   exchange of modern banking expertise, which observers described as “a step towards a new openness of the Central Bank towards Gulf institutions.”
 
However, the signing of the agreement did not go unnoticed.
 
Economists and observers questioned thereasons for choosing a Kuwaiti-Bahraini bank specifically,given the existence of major Iraqi banks capable of managing   electronic transfers and   payments   locally.
 
Some believe the move may reflect a lack of confidence in Iraqi financial institutions or an attempt to seek external cover to circumvent US sanctions imposed on some private banks.
 
While Governor Al-Alaq emphasized the “deep fraternal ties between the peoples of Iraq, Kuwait and Bahrain,” others considered that the economic file should be managed with professional, not political, standards, especially given the sensitivity of the financial relationship between Iraq and some Gulf states.
 
For his part, the CEO of the National Bank of Kuwait – Bahrain, Ali Fardan, stressed that the agreement will contribute to raising the level of cooperation in transfers and training on modern banking practices, expressing his hope to develop the relationship between the two sides more broadly.
 
While some analysts welcomed the move as a “signal of much-needed economic openness,” others believe it could open the door to new foreign banking influence within the Iraqi market, especially given the challenges facing the local banking sector with   dollar transfers and   compliance with US restrictions.
 
The agreement, which came amid sensitive financial circumstances and declining confidence in internal banking procedures,   opened the door to legitimate questions:
 
Does this partnership represent an opportunity to develop the Iraqi financial sector, or a new gateway for foreign intervention in the banking system?      https://mustaqila.com/اتفاقية-مثيرة-بين-المركزي-العراقي-وبن/    

The Central Bank Of Iraq Signs An Agreement With The National Bank Of Kuwait - Bahrain.
 
October 28, 2025     Under the patronage and attendance of the Governor of the Central Bank of Iraq, Mr. Ali Mohsen Al-Alaq, the   Central Bank of Iraq signed a joint cooperation agreement with the National Bank of Kuwait - Bahrain.
 
The signing ceremony took place at the Central Bank of Iraq's headquarters in Baghdad.

The Bank of Kuwait was represented by its CEO - Bahrain, Mr. Ali Fardan, along with his Deputy, Head of Treasury, Mr. Mohammed Momen, and members of the delegation.
 
The agreement was signed on the Iraqi side by Dr. Mohammed Younis Abu Raghif, Director General of Investments at the Central Bank of Iraq.
 
His Excellency the Governor expressed his warm welcome to the visiting delegation, recalling the deep-rooted ties between the people of Iraq and the peoples of Kuwait and Bahrain, wishing them continued success.
 
For his part, Mr. Fardan emphasized the  importance of enhancing cooperation in the areas of   financial transfers and   electronic payments, in addition to training on the   best modern banking practices between the two parties, and   statistical data.
 
He invited His Excellency the Governor to visit the  headquarters of the National Bank of Bahrain.    Central Bank of Iraq    Media Office    https://cbi.iq/news/view/3032   

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

Seeds of Wisdom RV and Economics Updates Wednesday Morning 10-29-25

Good Morning Dinar Recaps,

Finance — Quiet Liquidity, Loud Fragility

How ample liquidity and low confidence are reshaping incentives for states and markets

Overview
Global finance today is characterized by abundant liquidity but weakening confidence: markets price risk differently, and non-traditional vectors of instability (geopolitical shocks, AI trading, policy mis-steps) loom large. This dynamic is pushing states to hedge with new partners, instruments and settlement arrangements. 

Key developments

• Central banks keeping policy rates higher for longer while discussing targeted easing — liquidity is available but costly for some borrowers. 

• Investor flows rotate between risk assets (on diplomatic optimism) and safe havens (when policy or geopolitical risks spike). 

What this means for global alliances

• Short-term: Countries with strong reserve positions and trusted capital markets — the U.S., EU members, parts of Asia — attract investment during shocks.

• Medium-term: Emerging economies seek bilateral swap lines, alternative credit facilities and non-USD settlement mechanisms to reduce exposure to policy shifts in reserve-currency countries.

• Result: We should expect a proliferation of regional finance pacts and central-bank linkages that mirror geopolitical blocs.

How this accelerates financial restructuring

• The search for resilience encourages diversification away from unilateral liquidity dependence: swap lines, local-currency bonds, and regional clearing hubs gain traction. 

• Private capital reallocates to ecosystems with state support (sovereign-backed infra financing, state-anchored digital money pilots), compressing funding costs for politically aligned partners.

Practical signals to watch

• New or expanded bilateral swap agreements and central bank repo arrangements.

• Shifts in the composition of international bond issuance (local currency vs. USD).

• Private sector deals that are explicitly state-supported.

Bottom line: The finance layer is quietly fragmenting along strategic lines: liquidity remains global in appearance but resilience is being built regionally.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Reuters -- Morning Bid: Gold sold, stocks stall

• Reuters -- Stocks climb to record, dollar edges down on US-China trade optimism

~~~~~~~~~

Diplomacy & Peace — Out with the Old, In with the New

How recent diplomatic shifts (ceasefires, mediation, trade talks) are rewriting strategic alignments

Overview
Recent high-profile diplomatic moves — notably the Gaza ceasefire/middle-east diplomatic momentum and renewed high-level U.S.–China engagement — are reducing some near-term risk premia and prompting states to recalibrate alliances and trade relationships. Diplomacy is becoming the primary driver of market sentiment and alliance formation. 

Key developments

• A multilateral ceasefire and follow-on talks in the Middle East have eased energy/defence risk premia in markets. 

• High-level diplomatic outreach between major powers (U.S.–China engagement) is prompting business confidence and signalling possible tariff/tech restraint pathways. 

What this means for global alliances

• Convergence zones: Countries that broker or support peace can gain strategic influence — they become hubs for trade corridors, reconstruction capital, and security partnerships.

• Realignment pressure: States previously hedging between major powers may now lean into economic corridors that promise faster gains (trade, investment, infrastructure).

• Diplomatic currency: States increasingly use trade concessions, investment packages, debt relief and digital infrastructure deals as diplomatic tools — economic carrots replacing some traditional security pledges.

How this accelerates financial restructuring

• Peace and active diplomacy reduce certain risk premia, making long-dated infrastructure finance and cross-border investment more feasible — this encourages new clearing arrangements and cross-border payment initiatives. 

• The political capital earned by mediators translates into preferential access to reconstruction contracts and financial arrangements — creating new nodes in the global financial architecture.

Practical signals to watch

• Agreements to settle some trade or strategic transactions in local currencies rather than USD.

• New regional reconstruction funds and public-private vehicles tied to diplomatic wins.

• Which states host follow-on diplomatic conferences — hosting equals influence.

Bottom line: Successful diplomacy doesn’t just reduce violence — it unlocks structural economic rewiring that benefits the architects of peace.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Reuters — Mediators step up diplomacy after Gaza truce shaken

• Brookings — What Could the Israel–Gaza Deal Mean for the Middle East?

• Council on Foreign Relations — A Guide to Trump’s Twenty-Point Gaza Peace Deal

• European Business Magazine — Markets Breathe as Gaza Peace Deal Recasts the Geopolitical Map

~~~~~~~~~

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