Iraq Economic News and Points To Ponder Sunday Morning 11-23-25

An Economic Expert Told Nina: Iraq Needs Economic Reform Policies That Will Last Longer Than The Lifespan Of Its Governments

Saturday, November 22, 2025, 11:12 AM | Economy  Number of views: 288   Baghdad/ NINA / Economic expert Dirgham Muhammad Ali affirmed that the formation of the next government presents it with the challenge of completing existing development programs and implementing new ones to rescue the economic situation from the repercussions of escalating rentier spending. In a statement to the Iraqi National News Agency ( NINA) , Muhammad Ali said, "The rentier economy in Iraq has posed a significant challenge to the current government, imposing a high ceiling on investment spending.

The next government needs to complete some of these programs, such as reforming the banking system, investing in associated gas, and moving forward with the development path, in addition to finding radical or phased reform solutions to the near-absolute rentierism of the national economy."

He pointed out that "combating financial corruption and administrative bureaucracy must be completed with concrete steps if we want to reform the economic system," noting the existence of enormous challenges facing the reform process, such as high government expenditures and the difficulty of implementing reform policies within a system of accumulated corruption that has eroded the institutional structure of the Iraqi state for several decades.

Mohammed Ali stressed the necessity of establishing a supreme body for economic reform, under judicial and parliamentary oversight, to implement reform policies that would outlast the lifespan of governments, thus ensuring long-term reform. /End   https://ninanews.com/Website/News/Details?Key=1263156

Dollar Prices Remained Stable In Local Markets As The Stock Exchange Closed

Saturday, November 22, 2025 16:58 | Economy Number of views: 124   Baghdad/ NINA / The dollar exchange rate remained stable in Baghdad markets on Saturday evening, as the stock exchange closed at the start of the week.

The dollar held steady in the Al-Kifah and Al-Harithiya exchanges, recording 141,300 dinars per 100 dollars, the same rate as in the morning.

The selling price at currency exchange shops in Baghdad's local markets also remained stable, at 142,250 dinars per 100 dollars, while the buying price was 140,250 dinars per 100 dollars.

In Erbil, however, the dollar saw a slight increase, with the selling price reaching 140,900 dinars per 100 dollars and the buying price 140,700 dinars per 100 dollars. /End  https://ninanews.com/Website/News/Details?key=1263222

Gold Prices Stabilize Above $4077 Amid Rising Expectations Of A US Interest Rate Cut

Saturday, November 22, 2025, 07:25 | Economy Number of views: 194  Baghdad/ NINA / Gold prices stabilized in spot trading at $4,077.19 per ounce, after falling more than 1% earlier in the session, supported by comments from US Federal Reserve officials that bolstered bets on an interest rate cut next month.

US gold futures for December delivery rose 0.4% to $4,076.90 per ounce, while the precious metal is on track for a slight weekly loss of 0.1%.

As for other precious metals, silver fell 1.2% to $49.99 per ounce, platinum rose 1.2% to $1,529 per ounce, and palladium declined 0.4% to $1,372.44 per ounce. /End  https://ninanews.com/Website/News/Details?key=1263099

Basra Crude Oil Closes With A Weekly Loss Of More Than Two Dollars

Economy | 10:12 - 22/11/2025  Mawazin News - Baghdad:   Basra Heavy and Basra Medium crude oil futures closed lower for the week.  Basra Heavy closed down 96 cents at $59.59 on Friday, posting a weekly loss of $2.48, or 4%.

Basra Medium also closed lower, falling 96 cents to $61.34, and recording a weekly loss of $2.58, or 4.04%. Oil
prices continued their decline for the third consecutive session as the United States pressed for a peace agreement between Russia and Ukraine, which could allow more oil supplies to flow into the global market. Both crude contracts are on track to fall by more than 2% this week, driven by concerns about increased supply. https://www.mawazin.net/Details.aspx?jimare=270638

Bloomberg: Iraq To Sell Lukoil Oil To Avoid Supply Disruptions

Energy   Economy News — Baghdad  Oil from Lukoil's stake in an Iraqi field continues to flow to global markets, easing concerns about supply disruptions following sanctions imposed on the Russian energy giant.

It emerged this month that Lukoil was forced to declare force majeure on oil shipments from its stake in the West Qurna 2 field—a move that allows the company to be released from its contractual obligations. Payments to the company have also been frozen, according to Bloomberg.

This decision — which came after the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) announced sanctions against the Russian company in October — raised questions about whether the oil would continue to flow.

However, informed sources indicated that oil from the field is still being shipped to customers, and that the Iraqi state oil marketing company SOMO is handling the sales and currently holding the proceeds within Iraq. The sources requested anonymity due to the sensitivity of the matter.

The continued operation of West Qurna-2, Lukoil’s largest offshore upstream asset, exemplifies how countries are trying to avoid supply shocks following US sanctions. OFAC imposed sanctions last month on Lukoil and Rosneft, two of Russia’s largest producers, with implementation scheduled for November 21. Some of the restrictions on Lukoil have been postponed until next month.

Iraq was in talks with the US Treasury Department about trying to transfer ownership of Lukoil’s stake in the field before the sanctions took effect, or extending the deadline.

The West Qurna 2 oil field has the capacity to produce approximately 500,000 barrels per day of crude oil destined for refineries in Asia and Europe. Sources indicated that SOMO sells a portion of the field's oil directly to refineries, while the remainder is distributed among other production companies operating within Iraq.

Companies that work with entities subject to US sanctions risk being cut off from the Western financial system and denied access to dollar transactions — a worrying prospect for producers, since oil is sold globally in dollars, and companies make payments to contractors in this currency to finance infrastructure.

The Iraqi Oil Ministry did not respond to a request for comment outside of working hours. Lukoil also did not immediately respond to a request for comment.

The Iraqi government compensates international oil companies by paying them in crude oil instead of cash for their work in the country. These companies also receive a share of "equity crude" based on their ownership percentage in the oil fields, which they can sell on the open market or use in their own refineries.

International companies such as ExxonMobil and Chevron are in talks about acquiring some Iraqi oil fields.

Read on: The list of companies seeking to buy Lukoil's assets expands to include Exxon, Chevron, and Abu Dhabi.

Swiss energy trading firm Gunvor abandoned its bid to acquire all of Lukoil International’s assets after the U.S. Treasury Department described it on social media as a “Kremlin puppet,” asserting that it would never get approval to complete the deal.   https://economy-news.net/content.php?id=62573

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

“Tidbits From TNT” Sunday Morning 11-23-2025

TNT:

Tishwash:  Iraq increases its gold reserves to 170 tons

The World Gold Council announced on Saturday that Iraq bolstered its gold reserves by purchasing six tons during the third quarter of this year, bringing its total reserves to 170 tons.

The Council explained in a report ,reviewed by Al-Maalomah News Agency, that “central banks around the world were the main driver of gold demand during the third quarter, following a noticeable slowdown in the first and second quarters,” noting that “net purchases by central banks reached approximately 220 tons during the aforementioned period.”

Despite the significant rise in gold prices—which have jumped by about 50% since the beginning of the year, reaching record levels—demand from central banks continued to increase as part of policies to enhance financial security and diversify reserves.

The report indicated that "Kazakhstan was the largest gold buyer in the third quarter, with its central bank adding 18 tons, raising its total reserves to 324 tons. The Brazilian central bank also purchased 15 tons in September, bringing its total holdings to 145 tons."

The Central Bank of Turkey continued to bolster its reserves, adding 7 tons to bring its total holdings to 641 tons. The People's Bank of China and the Czech National Bank each purchased 5 tons, while the Bank of Ghana acquired 4 tons.

Conversely, only two countries saw a decrease in their reserves during the third quarter: Uzbekistan, with a decline of 3 tons, and Qatar, with a decrease of 1 ton. link

Tishwash:  US will not accept 'outside interference' in Iraq's new government, special envoy says

Washington is 'carefully watching', Mark Savaya says

 The US will not tolerate any external actors interfering in the formation of Iraq's new government, Washington's special envoy to the country said on Friday.

Mark Savaya, who President Donald Trump last month named as the special envoy to Iraq, said Baghdad had made “significant progress” over the past three years.

 “We hope to see this progress continue in the coming months,” Mr Savaya wrote on X.

He said the US is “carefully watching” the process of Iraq forming its new government following elections this month.

 Mark Savaya @Mark_Savaya

·Follow

I look forward to visiting Iraq soon and meeting with the key leaders. Iraq has made significant progress over the past three years, and we hope to see this progress continue in the coming months. At the same time, we are carefully watching the process of forming the new Show more

9:38 AM · Nov 21, 2025

“Let it be clear that the United States will not accept or permit any outside interference in shaping the new Iraqi government,” he said.

 The special envoy said he would be heading to Iraq soon to meet key leaders.

Prime Minister Mohammed Shia Al Sudani's political bloc won the most seats but a new government could be a way off due to wrangling to build a majority.

Post-election talks between Shiite, Sunni and Kurdish parties in Iraq usually last for months. By convention in Iraq, a Shiite Muslim holds the post of prime minister, a Sunni is parliament speaker and the largely ceremonial presidency goes to a Kurd.

The main challenge for the next government will be addressing long-standing grievances over poor public services, corruption and unemployment – issues that have fuelled mass protests in recent years. The new administration will also need to maintain the delicate balance in ties between Iran and the US, the country's two main allies. link

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Tishwash:  Iraq enters the era of "digital maturity"... Huge leaps in the use of the internet and social media

Iraq is witnessing a significant acceleration in the use of digital technology in its various forms and methods, coinciding with the entry of thousands of international companies into the Iraqi market. This surge in digital consumption is attributed to what could be considered excessive usage.

According to official figures released by global digital companies, most notably We Are Social, this trend is occurring amidst warnings about the continued escalation of reliance on rapidly advancing technologies and their increasing dominance over the lives of Iraqi citizens, despite the positive aspects of the current  digital maturity.

The latest digital data released for October 2025 revealed radical shifts in the Iraqi technological landscape, with the country recording record jumps in internet and smartphone usage rates, a clear indication that Iraq is entering a phase of accelerated "digital maturity".

A report issued by We Are Social, which highlights the adoption of connected services, showed that Iraq is witnessing an unprecedented phenomenon in the use of social media, which grew by a tremendous 17% in just one year, with the number of digital identities exceeding 40 million.

In detailing the figures, the report explained that the number of mobile phone subscriptions in Iraq has exceeded the actual population, reaching 50.8 million subscriptions, in a country with a population of 47.3 million people, and with a penetration rate of 108% of the total population, the concept is established that the Iraqi citizen depends entirely on the mobile phone as a main gateway to the world, with the phenomenon of an individual owning more than one SIM card being widespread.

These figures come in conjunction with the rise in the country’s urbanization rate to 72.2%, which has facilitated the deployment of communications infrastructure in cities and densely populated areas.

The internet is no longer a luxury in Iraq, but a necessity for daily life. The report indicated that 39.6 million Iraqis use the internet, which is equivalent to 83.8% of the population. This widespread use, which grew by 4.7% compared to last year, practically means the disappearance of the “digital divide” that the country suffered from in previous decades, paving the way for distance education services and digital work.

The most controversial and interesting figure in the 2025 report is the "rocketing" increase in the number of social media users, with 5.8 million new users joining these platforms in the last 12 months alone.

Ali Nouri, a researcher and specialist in digital media, believes that “the number of social media accounts exceeding (40.1 million) the number of actual internet users reflects a deep division of Iraqi society in the virtual space, and the multiplicity of accounts for one individual across different platforms, which makes these platforms the new ‘public arena’ for Iraqis.”

Nouri affirms: “This new digital landscape opens the door for the business sector; the data clearly indicates that the Iraqi market is fully ready for a revolution in e-commerce and financial technology (FinTech), and with a user base of this size, companies that do not have a clear digital strategy will find themselves out of the competition.”

He continues, "These figures place the Iraqi government before urgent obligations, most notably the need to move from the traditional e-government to a 'smart government' that provides its services through mobile phone applications to suit the behavior of citizens, in addition to the urgent need for strict legislation related to cybersecurity to protect the data of millions of new users."  link

Mot:  Seasoning is Soooo Much Fun!!!!

Mot: Heeee heeeee heeeee 

The Death of the Financial System

The Death of the Financial System

WTFinance:  11-21-2025

Are you feeling a nagging sense of unease about the global economy, even as headlines tout market highs? You’re not alone.

Beneath the surface of seemingly buoyant financial markets, a profound and potentially seismic shift is underway, driven by unprecedented global debt, currency debasement, and escalating geopolitical tensions.

We recently tuned into a powerful discussion featuring Matthew Piepenburg, Partner of Von Greyerz AG, hosted by WTFinance.

Piepenburg offered a meticulous, sobering, yet ultimately empowering analysis of our current financial landscape, underscoring the critical, often misunderstood, role of gold and silver as fundamental monetary metals.

Piepenburg argues that decades of unchecked spending, relentless money printing, and accommodative central bank policies have led us to a tipping point. The US dollar, once the undisputed titan of global finance, is undergoing a systemic debasement. This isn’t just an academic concern; it’s manifesting as a currency crisis, eroding purchasing power and trust in fiat systems worldwide.

Why does this matter? Because in a world drowning in debt and facing increasingly worthless currencies, the intrinsic value and monetary nature of gold become undeniable.

For the first time, central banks are holding more gold than US Treasuries – a stark testament to the eroding faith in sovereign debt and the accelerating shift towards gold as a strategic reserve asset.

Perhaps the most alarming disconnect Piepenburg highlights is the chasm between a soaring Wall Street and a struggling Main Street. While a handful of overvalued tech and AI stocks propel market indices to new heights, the real economy tells a different story: rising defaults, shrinking job markets, and declining consumer sentiment.

Piepenburg rightly critiques official government data, like the BLS unemployment figures, suggesting they often mask a much grimmer economic truth revealed by private sector analyses.

This creates an unsustainable market valuation, fueled by continuous central bank liquidity which only perpetuate a moral hazard and delay the inevitable reckoning.

Beyond economics, geopolitics are playing a pivotal role. The weaponization of the US dollar in 2022 was a watershed moment, accelerating “de-dollarization” efforts among eastern economies.

This erosion of trust in the dollar as a neutral reserve currency compounds the complexity of reshoring manufacturing and exacerbates existing challenges like political polarization and wealth inequality.

The global financial system is increasingly uncertain, with geopolitical risks amplifying monetary instability.

The concluding message from Matthew Piepenburg is perhaps the most vital: become well-informed. In an era saturated with emotional narratives and partisan agendas, it’s paramount to develop independent, fact-checked opinions.

Understanding the intricate dance between monetary policy, market dynamics, and geopolitical shifts is no longer optional; it’s essential for navigating the ongoing transition in the global economic order.

https://youtu.be/MG3eGGC0DTE

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

Good Afternoon Dinar Recaps,

Iran’s Energy Crisis and Tehran’s Strategic Turn to Russia & China
How blackouts and sanctions are forcing Iran into a risky geopolitical energy pivot

Overview

• After a summer of crippling heat, widespread blackouts, and renewed sanctions, Iran is entering a deep energy crisis.

• Tehran is relying more heavily on Russia and China to stabilize its power sector: building nuclear reactors with Moscow, importing solar and storage technology from Beijing.

• But these projects face serious obstacles—sanctions, funding risks, and geopolitical leverage—and may not meaningfully resolve Iran’s immediate shortages.

• As winter approaches, Iran’s energy future remains precarious: rich in ambition, weak in delivery.

Key Developments

• Domestic Power Crisis Worsens
  Scheduled rolling blackouts have returned amid intense summer heat. 
  Decades of underinvestment, reliance on inefficient gas plants, and a fragmented grid have left Iran ill-equipped to meet peak demand. 

• Russia Steps In with Nuclear Ambitions
  In September 2025, Russia and Iran signed a $25 billion deal to build four Generation III reactors in Hormozgan Province, aiming for up to 5 GW of capacity. 
  This is part of a broader strategy: Tehran hopes to reach 20 GW of nuclear capacity by 2040, including several small modular reactors (SMRs). 

• But the deal comes with risk: Moscow gains deep strategic leverage, and sanctions may complicate delivery. Modern Diplomacy

• China’s Role in Renewables
  Under its long-term cooperation deal with China, Iran is fast-tracking solar and battery storage projects. 
  Chinese firms such as SUNROVER and LDK are leading major PV contracts; China is also helping ship solar panels via land routes. 
  However, currency instability, banking isolation, and limited skilled labor make scaling difficult. 

• Trilateral Diplomacy
  In early 2025, Iran, Russia, and China met in Beijing to coordinate on nuclear strategy and counter Western sanctions. 
  China has publicly defended Iran’s right to “peaceful nuclear energy” in this context. 

• Escalation Amid Sanctions
  The UN Security Council rejected a Russia–China resolution to delay the re-imposition of UN sanctions on Iran, complicating Tehran’s access to key energy technologies. 
  Meanwhile, Iran faces growing domestic discontent: protests over energy shortages have been linked to rising economic and social strain. 

Why It Matters

Iran’s pivot to Russia and China in the energy sphere is more than a technical fix—it’s a political and strategic recalibration. By aligning with Moscow for nuclear power and Beijing for renewables, Tehran is signaling both defiance toward the West and a long-term bet on Eastern alliances. But the immediate utility of these projects is limited: they may take years to produce meaningful relief, especially given worsening sanctions and potential security risks.

Domestically, the energy crisis underscores Iran’s structural fragility: despite its vast oil and gas reserves, the country struggles to maintain a stable, efficient domestic power system. Internationally, the deals deepen Tehran’s dependence on authoritarian partners, potentially limiting its future autonomy.

Implications for the Global Reset

Pillar: Geopolitical Realignment
Iran’s energy turn strengthens its strategic alignment with Russia and China, tightening a geopolitical triangle that challenges Western influence in the Middle East. This trio could become a more cohesive counterweight in energy, defense, and economic diplomacy.

Pillar: Emerging Energy Paradigms
By pursuing nuclear and renewable energy in tandem, Iran is modeling a future in which energy security is tied to geopolitical non-alignment—not just market access. If successful, this could reshape regional infrastructure planning and investment flows.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Modern Diplomacy – “Iran’s Energy Crisis and Tehran’s Strategic Turn to Russia and China”

• Al Jazeera – “Russia, Iran Sign Nuclear Power Plants Deal as Sanctions Loom” 

• The National – “As Iran reels from strikes on its nuclear programme, how will the fall-out affect its clean energy ambitions?”

• Iran Focus – “The Return of Power Outages in Iran Amid Intense Summer Heat” 

• Al-Monitor – “Russia, Iran sign deal to build small nuclear power plants”

• Tehran Times – “Iran, China, and Russia to Convene in Beijing to Discuss Nuclear Issue, Sanctions Removal” 

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What Happens If BRICS Launches Their Currency Tonight?

Hypothetical shock-scenario: a new BRICS currency and the implications for the U.S. dollar, capital flows, and global power.

Overview

• A surprise overnight BRICS currency announcement would trigger an immediate re-ordering of the global financial architecture.

• Dollar dominance would face its sharpest test in decades as developing nations consider alternatives.

• Three major U.S. sectors would feel the shock first:
  (1) global trade & dollar dependency, (2) capital flows & exchange rates, (3) geopolitical leverage & sanction power.

• While this scenario is purely hypothetical, it reflects an already-advancing trend: rapid de-dollarisation and multipolar financial alignment.

Key Developments

• Reduced Dependency on the Dollar
  A BRICS currency—if launched suddenly—would accelerate global trade settlement outside the dollar, reducing exposure to U.S. monetary policy and the risks tied to sanctions.

• Capital Flows & Exchange-Rate Dynamics
  Investors would rapidly readjust portfolios, FX markets would swing, and the dollar’s reserve-currency premium would come under pressure.

• Geopolitical Shift & Economic Leverage
  A unified BRICS currency would signal a major shift in global power, providing emerging economies with stronger negotiating power and reducing Western influence.

• Structural & Practical Obstacles
  Despite growing momentum, real barriers remain: diverging BRICS member interests, convertibility issues, lack of unified monetary governance, and the world’s deep dependence on existing dollar infrastructure.

Why It Matters

Even if no currency launches tonight, the idea alone signals how fragile the current dollar-centric system has become. The world is already moving toward a more multipolar economic order. The BRICS currency narrative intensifies discussions about reserve diversification, trade realignment, sanction-resistant economies, and the future of global finance.

Implications for the Global Reset

Pillar: Monetary System Disruption
A BRICS currency would challenge the Bretton Woods-era dollar order, accelerating de-dollarisation and reshaping global reserve structures.

Pillar: Economic Sovereignty & Global Governance
Emerging economies seeking alternatives to Western-dominated systems highlight a broader restructuring of global governance and the shift toward multipolar finance.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• InvestingNews – “How Would a New BRICS Currency Affect the US Dollar?”

• GIS Reports – “BRICS Making Progress on Payment System”

• Watcher.Guru – “What Happens If BRICS Launches Their Currency Tonight?”

• EBC Forex – “BRICS New Currency vs US Dollar: Can It Change World Trade?”

~~~~~~~~~~

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

Good Morning Dinar Recaps,

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

Overview

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

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

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

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

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

Key Developments

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

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

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

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

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

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

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

Why It Matters

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

• SWIFT – ISO 20022 Migration Resources

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

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

Overview

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

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

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

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

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

Key Developments

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

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

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

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

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

Why It Matters

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

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

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

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Saturday Morning 11-22-25

 Trump's Envoy: We Are Closely Monitoring The Process Of Forming The New Government.

Time: 2025/11/21 21:36:25 Reading: 0 times   {Local: Al-Furat News} Mark Savaya, US President Donald Trump's envoy, confirmed on Friday that Washington is "carefully monitoring" the process of forming the new Iraqi government.
Mark said in a tweet on the X platform, which was followed by Al-Furat News: "I look forward to visiting Iraq soon and meeting with key leaders."

He added that "Iraq has made great progress over the past 3 years, and we hope that this progress will continue in the coming months."  LINK

Iraq Is Moving Towards An American Company To Develop The Hamrin Oil Field.

Energy   Economy News — Baghdad   The state-owned North Oil Company announced that it held a meeting with the American company HKN Energy at its headquarters in Kirkuk Governorate, as part of the government's efforts to develop oil fields and strengthen international partnerships in the energy sector.

The Director General of the North Oil Company, Amer Khalil Ahmed, said in a statement received by “Al-Eqtisad News” that the meeting with the American company delegation came to finalize the technical vision regarding the Hamrin oil field development project, noting that the final version of the development file, which the Ministry of Oil is working on in cooperation with specialized international companies, has been reached.

He added that the meeting comes in implementation of the directives of the Deputy Prime Minister for Energy Affairs and Minister of Oil, Hayyan Abdul Ghani Al-Sawad, regarding the need to accelerate the technical and administrative steps related to developing the fields and increasing production, stressing that the ministry is directly following up on this file because of its strategic importance in enhancing the country’s production capacity.

The general manager explained that HKN is one of the companies that has a memorandum of understanding and a memorandum of principles (HoA) with Iraq, which paves the way for concluding a comprehensive development contract during the next period, after completing the technical conditions specific to the project.

HKN American Company

In a press release following the meeting, HKN Energy said the partnership with North Oil "represents an important step within the company's strategy to develop Iraqi fields according to the latest technologies adopted in the oil sector."

The statement confirmed that HKN is currently working with technical teams from North Oil and the Ministry of Oil to complete the necessary technical and logistical procedures to begin development operations, noting that the coming period will witness “the activation of serious field steps at the level of geological studies, infrastructure development, and preparation of drilling sites.”

The company also expressed its commitment to "supporting the Iraqi government's plans to develop the oil sector and invest in associated gas in northern Iraq," stressing that the Hamrin field project will be one of the pivotal projects in this regard.

Production at the Hamrin field is scalable.

In a specialized comment, oil expert Ali Khalil said that the Hamrin oil field is "one of the important fields in northern Iraq, and has recoverable reserves ranging from 1.5 to 2 billion barrels according to the technical estimates circulating."

The expert explained that the field's current production ranges between 20,000 and 25,000 barrels per day, a production that is "significantly capable of being increased" after the completion of the planned development operations.

He explained that the plan developed with HKN aims to raise production to 50-60 thousand barrels per day during the coming years, which will directly reflect on increasing oil revenues and supporting the national energy network.

Khalil pointed out that one of the most important aspects expected in this project is the investment in associated gas, as studies indicate the possibility of producing between 45 and 50 million cubic feet per day of gas, which can be invested in generating electricity and reducing gas flaring in the region.

He stressed that developing the field will contribute to "revitalizing the local economy in Kirkuk and Salah al-Din, creating job opportunities for young people, and improving the oil infrastructure in the region."
https://economy-news.net/content.php?id=62530

Iraq's Oil Exports Exceeded 110 Million Barrels In October

Energy   Statistics on oil exports from the Iraqi Oil Marketing Company (SOMO) for the month of October showed that more than 110 million barrels of oil were loaded through the ports of Basra and Ceyhan, Turkey, including 5 million barrels of oil from the Kurdistan Region, with a daily average of 188,000 barrels.

According to statistics published by the Iraqi Oil Marketing Company (SOMO), last October saw the loading of 110,650,970 barrels of exported oil by ships at the ports of Basra and Ceyhan, Turkey, which is approximately 3.6 million barrels per day.

Of these, 66,078,192 barrels were light oil exported through Basra ports, and 38,737,914 barrels were heavy oil loaded from the same port.

An official source at the North Oil Company stated in a press release that “this statistic pertains to the quantity of exported oil loaded by ships, after being stored in warehouses at the ports of Basra and Ceyhan, Turkey.”

According to the statistics, out of the total amount of oil in October, the amount of Kurdistan Region oil loaded at the Turkish port of Ceyhan amounted to 5 million, 834 thousand, 864 barrels, which were loaded over 8 days.

Oil exports from the Kurdistan Region via the Turkish port of Ceyhan resumed on September 27, 2025, after having stopped at the end of March 2023.  The statistics stated that the average amount of oil loaded from the Kurdistan Region in October was 188,200 barrels per day. 

Quantity of Kurdistan Region oil loaded at Ceyhan port:

2025-10-3: 647010 barrels

2025-10-6: 331024 barrels

2025-10-9: 1031445 barrels

2025-10-13: 601823 barrels

2025-10-16: 587398 barrels

2025-10-20: 1027119 barrels

2025-10-24: 608680 barrels

2025-10-30: 1000365 barrels

https://economy-news.net/content.php?id=62555

Ports Authority Announces Full Completion Of The New Navigation Channel At The Grand Faw Port

Friday, November 21, 2025 | Economy Number of views: 144  Basra / NINA / The Director General of the General Company for Iraqi Ports, Farhan Al-Fartousi, announced the complete completion of dredging work on the new navigation channel, one of five infrastructure projects belonging to the Grand Faw Port.

Al-Fartousi stated in a press release: "The channel is 100% complete, with a final depth of 19 meters. It extends for 23 kilometers with a width of 200 meters and forms a vital part of the Khor Abdullah waterway."

He added: "The procedures for approving and confirming these depths with the UK Hydrographic Office (UKHO) are currently underway, following the completion of a field survey of the navigation channel by a third party."

It is worth noting that the project is part of the government's plans to enhance the capabilities of Iraqi ports and facilitate the movement of large vessels, contributing to increased trade and logistical efficiency, especially with the imminent operation of the Grand Faw Port. /End   https://ninanews.com/Website/News/Details?key=1263069

Gold Is Declining And Heading For A Weekly Drop.

Economy   21/11/2025   Mawazin News -   Gold prices fell and are on track for a weekly decline after a stronger-than-expected US jobs report reinforced expectations that the Federal Reserve will not cut interest rates at its December meeting.

Spot gold fell 0.2 percent to $4,062.79 per ounce by 01:57 GMT.

The precious metal is down 0.3 percent so far this week. US gold futures for December delivery rose 0.2 percent to $4,068.10 per ounce, according to Reuters.

A US Labor Department report, delayed due to the federal government shutdown, showed that non-farm payrolls increased by 119,000 jobs in September, more than double the expected increase of 50,000.

Traders now expect the US central bank to cut interest rates next month with a probability of about 39 percent, down from a 60 percent forecast earlier this month.

Gold, which does not yield interest, typically tends to rise in low interest rate environments.

The dollar is on track for its strongest weekly performance in over a month on Friday. A stronger dollar makes gold, which is priced in dollars, more expensive for holders of other currencies.

Among other precious metals, spot silver fell 0.4 percent to $50.39 an ounce, platinum rose 0.4 percent to $1,517.95, and palladium gained 0.3 percent to $1,381.22.   https://www.mawazin.net/Details.aspx?jimare=270582

Oil Prices Fell For The Third Consecutive Session

Economy | 21/11/2025  Oil prices continued their decline for the third consecutive session as the United States pressed for a peace agreement between Russia and Ukraine that would allow for increased oil supplies in the global market, while uncertainty surrounding a potential US interest rate cut dampened investor appetite for risk.

Brent crude futures fell 71 cents, or 1.12 percent, to $62.67 a barrel by 0212 GMT, after declining 0.2 percent in the previous session.

US West Texas Intermediate crude futures were at $58.29 a barrel, down 71 cents, or 1.20 percent, after closing 0.5 percent lower on Thursday, according to Reuters.

Both benchmarks are on track to fall more than 2 percent this week due to concerns about increased supply.

Washington is pushing for a peace plan between Ukraine and Russia to end the three-year war, even as sanctions against Russian oil companies Rosneft and Lukoil are set to take effect on Friday. Lukoil has until December 13 to sell its massive international portfolio.

“With Ukraine not yet formally rejecting the agreement, the slim chance of a deal is weighing on prices, as it would eliminate much of the geopolitical risk premium for war that has been added to the price of crude,” said Tony Sycamore, market analyst at IG, in a note.

A stronger dollar has also weighed on oil prices because it makes the commodity more expensive for holders of other currencies.

The dollar is on track for its best weekly performance in more than a month on Friday as investors bet that the Federal Reserve is unlikely to cut interest rates next month.   https://www.mawazin.net/Details.aspx?jimare=270583

In Numbers... Planning Ministry Reveals The Size Of Private Sector Investments In The Five-Year Plan

Economy 21/11/2025  Mawazin News - Baghdad:  The Ministry of Planning confirmed that the volume of private sector investments within the five-year plan will reach 84 trillion dinars.

According to the official news agency, the Ministry of Planning spokesperson, Abdul Zahra al-Hindawi, stated that "Iraq has previously launched its Sustainable Development Vision 2030, which takes into account the fundamental Sustainable Development Goals agreed upon by the international community and reflects them in policies, programs, and development plans according to their phases.

" He pointed out that "the 2024-2028 five-year development plan covers almost the remaining period of Iraq's Sustainable Development Vision 2030 and includes goals related to health, education, poverty reduction, youth empowerment, partnerships, housing, and other 17 goals that are directly relevant to the Iraqi context."

He added, "These goals are translated into policies according to the five-year development plan and other strategies." He pointed out that "Iraq is now preparing to launch its third national poverty reduction strategy, which will cover the remaining five years of Iraq's Sustainable Development Vision 2026–2030.

This strategy will address poverty in its various dimensions, focusing on empowering and supporting the poor in areas such as health, housing, education, living standards, and employment."

He noted that "a special fund has been established to support the poorest areas, aligning with the Sustainable Development Goals and reflecting these developments through programs and policies." He explained that "civil society was a partner in the preparation of the 2024–2028 five-year development plan.

At all stages of preparation, civil society was represented through the presence of active civil society organizations. They were our partners in the preparation phases, and their continued partnership after preparation and launch involves monitoring and oversight to ensure the plan progresses according to its established paths and objectives."

Al-Hindawi explained that "the private sector is a partner in all stages of preparing and implementing the five-year development plan, and it has been given a significant role in the Iraqi investment landscape as defined by the plan.

" He added that "the private sector's contribution to the overall investment program is 35 percent, compared to 65 percent for the public sector, representing approximately 84 trillion dinars in investments to be undertaken by the private sector."

Al-Hindawi pointed out that "strengthening the role of the private sector in development, project implementation, and economic policy formulation came about through the establishment of the Permanent Council for Private Sector Development, chaired by the Prime Minister, with representatives from all economic activities and sectors within the private sector as members.

" He emphasized that "this represents an important step towards achieving a genuine partnership between the public and private sectors to support the private sector and enable it to play its developmental role effectively and robustly."  https://www.mawazin.net/Details.aspx?jimare=270596

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

MilitiaMan and Crew: IQD News Update-Secret operation-Silent Backbone-Pulse of Iraq

MilitiaMan and Crew: IQD News Update-Secret operation-Silent Backbone-Pulse of Iraq

11-21-2025

The Crew:  Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man

Follow MM on X == https://x.com/Slashn

Be sure to listen to full video for all the news……..

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

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

Good Afternoon Dinar Recaps,

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

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

Overview

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

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

Key Developments

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

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

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

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

~~~~~~~~~~

BRICS NEWS: De-dollarisation Progress and Practical Limits

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

Overview

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

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

Key Developments

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

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

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

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

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

Miles Franklin Media:  11-20-2025

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

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

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

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

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

 00:50 Understanding the Repo Market

 02:03 Back to the New York Fed Meeting

02:35 The Fed's Standing Repo Facility

03:12 Liquidity Injection & Its Impact

 04:59 The Fed's Next Moves

05:37 Gold & Market Instability

06:33 Conclusion: The Real Story

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

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

Good Morning Dinar Recaps,

Surging Long-Term Yields Tighten Global Credit Conditions

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

Overview

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

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

Key Developments

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

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

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

~~~~~~~~~~

Tech-Led Rally Reverses, Liquidity Strains Reappear

Volatility returns as AI optimism meets valuation and liquidity concerns.

Overview

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

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

Key Developments

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

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

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

~~~~~~~~~~

Central-Bank Gold Buying and Strategic Accumulation Continue

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

Overview

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

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

Key Developments

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

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

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

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

Implications for the Global Reset

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

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

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

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

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

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

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Friday Morning 11-21-25

Inner Fortress  Learn About The "Secret Operations Room" That Monitors The Pulse Of The Iraqi Economy And Protects The Dinar From Fluctuations.
 
Economy / Special Reports Yesterday, | 629  Baghdad Today – Baghdad   While the domestic debate continues regarding the   exchange rate and the   future of the dinar, the      Central Bank of Iraq's recent statement      on the tasks of its Investment Department has  revealed another dimension to the monetary landscape—    one that is deeper, less visible, yet highly influential.

This department, which   manages foreign reserves and   balances global market risks,    is now described by economists as the   "silent backbone" of the Iraqi economy,        alongside oil, and the     foundation upon which     the most significant financial transformations   underway in the country are taking place.
 
Economic expert Nasser al-Tamimi confirmed to Baghdad Today that the department has transformed in recent years   from a traditional bureaucratic unit   into a true center of gravity,   preserving the stability of public finances and   defining the Central Bank's room for       maneuver in the foreign exchange market.
 
He told Baghdad Today that the   prudent management of foreign assets—from      government bonds to    gold,    deposits, and    low-risk instruments—   has enabled Iraq to    weather the waves of global market turmoil and    mitigated the impact on the dinar and the      country's financial balance.
 
The Central Bank's technical statement, while   employing specialized language regarding      balances,      transfers, and    investment plans, nonetheless    attracted the attention of international experts    who analyzed its implicit messages.
 
Bankers point out that the Central Bank's explicit declaration that the   department's activities aim to stabilize the exchange rate      does not necessarily mean an immediate appreciation of the dinar.
 
However, it is a strong indication that   preparations for a stable monetary reform have effectively begun.
 
These experts believe the Central Bank is waiting for the "safest moment" to take any significant steps, given the extreme sensitivity of the Iraqi market.
 
Any adjustment to the exchange rate system—   whether an appreciation or a restructuring—   requires a robust structure capable of absorbing shocks.
 
At the heart of this shift, two phrases in the Central Bank's statement caught the attention of experts:
   "operational continuity" and   "risks associated with oil revenue currencies."
 
These are phrases typically used in international contexts related to   deep monetary reforms and   preparing for potential fluctuations      that may accompany opening up to global markets.
 
Specialists interpret this as part of   restructuring Iraq's financial sector infrastructure      in line with IMF recommendations, the      requirements for joining the World Trade Organization, and      gradual integration into the global financial system.
 
However, the most sensitive transformation   is not limited to the investment sector alone,   but encompasses an entire system being developed in parallel.
 
Starting Saturday (November 22),   all cross-border payments in Iraq       will transition to the ISO 20022 standard,         the system adopted by the most advanced economies.

Furthermore, all banks in Iraq have been mandated to finalize their capital plans according to the ICAAP model and undergo rigorous stress tests to demonstrate their ability to withstand   exchange rate fluctuations of up to 30%, a   collapse in oil prices, or a   sudden run on deposits,      while maintaining their solvency.
 
Economists believe these two steps are not merely technical updates,but rather represent—quite literally—the   final two key conditions that the      International Monetary Fund, the    US Treasury Department, the    Bank for International Settlements, and     major correspondent banks in New York and London stipulated must be met    before Iraq could fully participate in the     international foreign exchange market.
 
They emphasize that the fundamental problem with the dinar today   is not its market value,   but rather that Iraq remains "blocked" from the global exchange market, and that      adopting Basel III-ICAAP and ISO 20022 standards is what   will pave the way for gradually lifting this blockade.
 
Analyses indicate that the Iraqi dinar remains   trapped in a restricted market,   unable to be traded in large quantities      except through the daily dollar auction.
 
Furthermore, prior to adhering to the new standards,   local banks appeared structurally unstable to international banks, and   their payment channels relied on outdated SWIFT systems dating back three decades,      placing them under suspicion of money laundering.
 
Now, with banks required to disclose their actual capacity to absorb shocks, the pretext that prevented major international dealers from dealing directly in dinars is diminishing.
 
In this context, experts believe that Iraq is nearing the end of the "forced peg" of its exchange rate, which effectively began in October 2021 when it was announced that   "the rate will remain fixed until 2025."
 
With this date approaching and the  technical requirements for monetary reform being finalized,   some believe that Iraq may be entering a new phase      that might not be a direct revaluation of the dinar,         but which will at least pave the way for a more            stable and            transparent exchange market.  

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

He adds that   the next phase may witness an expansion of the department’s role in regulating monetary policy, and that the  strength of reserves and the   stability of the banking sector   will be the most decisive factors in the future of the dinar.    https://baghdadtoday.news/287495-.html   

 The Central Bank Issues A Series Of Instructions To Banks To Improve Services And Prevent The Collection Of Illegal Commissions.
 
November 20, 2025   Baghdad/Iraq Observer  The Central Bank of Iraq issued new directives today   to banks operating in the country,   including a package of mandatory measures aimed at   enhancing the quality of banking services and   protecting the rights of the public.

First – Improving The Level Of Service:
 
The Central Bank stressed the need for banks to   adhere to customer service standards,   provide a suitable professional environment within branches, and   expedite transactions without delay.
 
It emphasized the importance of assigning qualified staff to   deal directly with customers and   activating systems for receiving and processing complaints within specific      timeframes.
 
Second – Prohibiting The Collection Of Commissions Not Stipulated:
 
The bank prohibited the collection of any unauthorized fees or charges, including   commissions on cash deposits or other transactions,      unless listed in the approved commission schedules.
 
It deemed the collection of any amount outside these regulations a clear violation warranting legal action.
 
Third – Simplifying Account Opening:
 
The Central Bank directed banks to adhere to   account opening regulations and   due diligence procedures      without requesting additional documents beyond the official requirements.
 
It emphasized that any unjustified complications would be   considered a disruption to banking operations and would be   addressed according to applicable laws.
 
Fourth – Commitment To Accepting Small Denominations Of Currency:
 
The bank mandated that all bank branches deal with small denominations of currency
   as valid legal tender, and considered   refusal to accept them a serious violation that warrants accountability.
 
The Central Bank indicated that its inspection teams will   conduct surprise field visits to verify compliance with these instructions,    and will take strict measures against banks that violate them,      considering this a breach of         banking discipline and the         rights of customers.    https://observeriraq.net/المركزي-يوجّه-المصارف-بجملة-تعليمات-ل/    
  

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