“Vietnam News” Posted by Henig at KTFA 4-16-2025

KTFA:

Henig:  Việt Nam has 200 million personal payment accounts: expert

April 15, 2025 - 20:40

The banking sector is vital to this transformation, playing a leading role in meeting customer demands and contributing to national digital goals. Recent years have seen significant advancements in the Vietnamese banking industry, aligning with the Digital Transformation Plan for the Banking Industry to 2025, which has a vision extending to 2030

By early 2025, personal payment accounts in Việt Nam are expected to exceed 200 million, according to the Deputy Director of the Payment Department at the State Bank of Vietnam (SBV), Lê Anh Dũng,.

Dũng made the remarks during a two-day conference on World Financial Innovation Series 2025 starting in Hà Nội on Tuesday. He noted that many banks have successfully reduced their cost-to-income ratio (CIR) to below 30 per cent, showcasing improved efficiency through comprehensive digital transformation, positioning them alongside leading financial institutions in the region.

 Dũng emphasised that Việt Nam is entering a pivotal phase of development, aiming to become a developed nation by 2045, as outlined in Resolution 57-NQ/TW by the Politburo. This resolution focuses on breakthroughs in science, technology and national digital transformation.

In this context, digital transformation is not just a trend, but a crucial driver for sustainable economic growth, enhanced national competitiveness and improved quality of life. The banking sector is vital to this transformation, playing a leading role in meeting customer demands and contributing to national digital goals.

 Recent years have seen significant advancements in the Vietnamese banking industry, aligning with the Digital Transformation Plan for the Banking Industry to 2025, (Decision 810/QĐ-NHNN). To enhance operational efficiency, customer experience and risk management, credit institutions have heavily invested in advanced technologies such as artificial intelligence (AI), machine learning, big data, cloud computing and robotic process automation (RPA).

The trend of hyper-personalisation is emerging as a key highlight in the banking sector, enabling the provision of tailor-made products and services for each customer based on real-time data analysis and transaction context. This approach has yielded impressive results, by early 2025, over 90 per cent of financial transactions at many credit institutions were conducted through digital channels. This achievement reflects the industry's commitment to focusing on customers, enhancing user experiences and delivering practical benefits.

Most banks have effectively used the National Population Database to implement customer identification via chip-embedded citizen identification cards. As a result, the number of personal payment accounts has surpassed 200 million, with transaction growth via the internet, mobile devices and QR codes reaching 35 per cent, 33 per cent, and 66 per cent respectively, compared to the same period in 2024. Many banks have successfully reduced their cost-to-income ratio (CIR) below 30 per cent, showcasing their efficiency and alignment with leading financial institutions in the region.

Lê Anh Dũng emphasised that these figures not only highlight the rapid pace of digital transformation but also illustrate financial inclusion, enabling tens of millions of people—especially in rural and remote areas—to access convenient and modern financial services.

 According to Dũng the Vietnamese banking industry, while achieving significant progress in digital transformation, also faces several challenges. The foremost challenge is ensuring network security and data protection. High-tech attacks, such as deepfake technology and identity fraud, are becoming increasingly sophisticated and widespread, necessitating robust security measures.

 There is an ongoing need to invest in modern technology infrastructure and develop human resources equipped with digital skills. This requires coordinated efforts among management agencies, credit institutions and technology partners to address these gaps effectively.

The legal framework must continue to evolve to keep pace with technological advancements and emerging business models. It is crucial to strike a balance between encouraging innovation and ensuring system stability, safety and consumer protection. The Vice Chairman and General Secretary of the Vietnam Banking Association, Nguyễn Quốc Hùng, highlighted the significant impact of digital transformation in the banking sector.

Through this transformation, banks are able to offer practical products and services that enhance user experience for both individuals and businesses. This effort aligns with the government's Project 06, focusing on modernisation and efficiency.

 Key advancements include the implementation of biometric authentication and one-touch payment systems via QR codes. Furthermore, the banking industry is actively leveraging artificial intelligence in two primary areas: AI is used for forecasting and optimising business operations. AI helps in identifying fraud and money laundering risks, ensuring compliance with regulations.

In addition, banks are enhancing online public services, integrating them with the National Public Service Portal. Currently, over 90 per cent of work records are managed online, with nearly 14.6 million accounts and 46.2 million records submitted through the portal. The system has facilitated approximately 26.8 million online payment transactions, amounting to more than VNĐ12.9 trillion (US$516 million). This comprehensive approach underscores the commitment of the banking sector to innovate and improve service delivery through technology. At the sideline of the event, Praveen Venu, co-founder of the Indian Tradepass - the organiser of the event - said digital transformation is becoming increasingly critical across all sectors, particularly in the financial services industry.

 In Việt Nam, there is a significant surge in interest from digital banks and technology providers eager to showcase their capabilities to financial institutions.

 The exhibition features impressive companies introducing cutting-edge digital transformation solutions. Topics of great interest include digital banking, AI in banking, cybersecurity in the financial sector and customer experience. These subjects will be focal points of discussion throughout the two-day event. “We have seen remarkable engagement not only from delegates but also from many technology providers, all eager to participate in this vital conversation.

The impact of digital banking in Việt Nam is substantial, with a growing number of Neo banks emerging across Southeast Asia, positioning Việt Nam as a promising market for this model,” he said.— VNS LINK

Henig:  Việt Nam’s digital future in the spotlight at GSMA Digital Summit Hanoi

April 15, 2025 - 15:05

Stakeholders gathered at the GSMA Digital Summit Hanoi to drive secure, inclusive digital growth and tackle rising fraud threats head-on as Việt Nam fast-tracks its transformation into a leading digital economy.

HÀ NỘI — Leaders from government, industry and the tech sector gathered at GSMA Digital Summit Hanoi on April 15 to address one of the most pressing challenges facing the region’s digital transformation: the growing threat of scams and erosion of consumer trust.

The summit builds on insights from GSMA’s Mobile Economy Asia Pacific and Digital Nations reports and findings from the recent 'Towards an Inclusive Digital Nation: Addressing the Scam Economy and Preserving Trust in the Digital Ecosystem' report, highlighting growing concerns across the region.

 In Việt Nam, 74 per cent of consumers now use e-wallets, yet 89 per cent say they fear account hacking, and 95 per cent are concerned about the misuse of their personal data online. “Việt Nam stands at a defining moment in its digital journey,” said GSMA's Head of Asia Pacific Julian Gorman.

"On one hand, high mobile adoption and a flourishing e-wallet market are unlocking incredible opportunities for economic growth and financial inclusion. On the other hand, rising scams and identity threats are putting consumer trust at risk.

This summit brings industry and government leaders together to take meaningful action - from smarter regulation to innovative fraud solutions - so that Việt Nam’s digital future remains secure, inclusive and built on trust.” At the event, delegates explored practical measures to combat digital fraud, including real-time transaction verification, multi-factor authentication, Silent OTP solutions and closer collaboration between mobile operators, banks and fintech players.

Participants also addressed the threat of SIM-swap fraud - a concern for 78 per cent of Vietnamese consumers, well above the regional average - and how API-driven security tools, such as those enabled by the GSMA Open Gateway initiative, can be effectively integrated across sectors.

A dedicated session focused on the broader 'scam economy' challenge, highlighting how unchecked fraud could stall the adoption of digital services and erode the foundations of the digital ecosystem. Speakers emphasised the need for coordinated action on consumer protection, from enhanced fraud monitoring to public education campaigns.

Despite Việt Nam’s strong digital uptake, challenges persist around digital literacy and extending connectivity to underserved communities. Attendees stressed the importance of public-private partnerships to expand mobile coverage, improve digital skills and support a regulatory environment that promotes both innovation and safety.

Throughout the summit, discussions returned to a central theme: trust. Whether enabling e-wallets, protecting data or delivering public services, the success of Việt Nam’s digital transformation depends on maintaining consumer confidence.

 Stakeholders also called for cross-sector collaboration to create a secure and user-friendly digital environment, rooted in transparency and resilience.

In line with this goal, the GSMA also announced the renaming of the APAC Fintech Forum to the ASEAN Fintech Forum, sharpening the focus of regional collaboration on combatting scams and fraud within ASEAN and tackling the export of scams and fraud from the region. To launch this new chapter, the first ASEAN Fintech Forum Roundtable was held alongside the summit, bringing together fintech, telco and regulatory leaders to explore joint solutions to shared threats and unlock new growth opportunities.

Việt Nam is experiencing remarkable growth in mobile-led services and could soon become a leading digital nation in Asia Pacific, powered by high smartphone penetration, strong connectivity and supportive policies.

 Việt Nam’s National Digital Transformation Programme aims to position the country among the world’s top 30 digital nations by 2030, with bold goals including nationwide 5G and fibre access, the development of over 100,000 digital technology businesses and a workforce of 1.5 million people skilled in digital technologies. — VNS    LINK

Coffee with MarkZ, joined by Andy Schectman. 04/16/2025

Coffee with MarkZ, joined by Andy Schectman. 04/16/2025

MarkZ  Update- Some highlights by PDK-Not verbatim

MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context.  Be sure to consult a professional for any financial decisions

Member: Good morning everybody…..Happy Hump Day

Member: Good morning marvelous Mark and all the marvelous mods

Member: is this our month Mark? My birthday is April 22…..hope it happens by then.

MZ: I think there is an excellent chance. Let’s see…..Trump has talked several times this past week about the need for a reset. Iraq articles states this week that one of their best choices for oil and its changing values is to go ahead and “revalue” which they have been preparing for.

Member: The Treasury Sec. Bessent keeps talking about fixing “currency manipulation” as well.

MZ: Sudani has said that before this term is up- we will see the dinar become the “father of the dollar” or be worth more than the US dollar. Return the dinar to its former glory. Guess what….they are about to have elections. So he has got to do it now if he is going to keep that promise.

Member:  Whoohooo!! Great days ahead!!

Member: I am getting VERY excited with the current RV and world news!!!!!

Member: Any updates on historic bonds? Anything new on groups????

MZ: I have been told bonds are moving very well.

MZ: “ An upcoming meeting between Baghdad and Erbil to resolve the file of exporting Kurdistan oil”  We are close to this stuff being finally resolved. This meeting is on Saturday.

Member: Oh great…another meeting. Sigh

Member: Be like Nike - Just Do It… lol

Member: Mnt Goat (From Dinar Guru) ...No one knows the date of the RV...Our RV is coming but it is all attached to the reinstatement back to FOREX. This is a byproduct of all the reforms.  Iraq is now being methodically pieced back together and the goal is to have a booming economy...My guess, and this is ONLY a guess is that when this Iranian issue is resolved we can expect wonderful things to occur.

MZ: I can buy this one.

MZ: “Ninavah Governor to Nina: The entrance of Korean companies will contribute to the development of the local economy” Korea is well known for manufacturing of durable goods. …and they are looking at making serious investments in manufacturing in Iraq. More evidence they are “international”

MZ: “Economist: financial debts caused a liquidity crisis in government bonds and pension funds”  What are they going to do ?  Changing their value fixes their problems…….

MZ: “ Sudani: I will run for the upcoming elections….which is an opportunity to support reform plans in Iraq”   those elections are coming.

Member: Bruce: Trump said RV happened , IQD about 6 dollars

MZ: it has not already RV’d yet…..possibly some gurus are jumping the gun. They are talking about it though.

Member: AMPEX has gold at $3,338. It hit $3,337 overnight!

MZ: “China discovered the world’s largest gold deposit, alarming markets”  isn’t it crazy how everyone is suddenly finding these assets while we are moving to an asset backed economy?  Curious timing isn’t it???

Member: VIETNAM just discovered 12 NEW gold deposits that are huge. I know they will mine those, so GOLD SUPPLY is increasing right there. Let alone all the "Gold Shows" on TV pulling out millions of dollars!

Member: What if Bix Weir is right and the Grand Canyon is loaded with Gold? That has been a rumor for years.

Member: Reset Gold and Silver… I think we are much better off and ready than we know.

Member: Thanks Mark, Andy and mods……hope you all have a very good day

Member: Stay positive everyone……A important 3 day weekend is coming up.

Andy Schectman from Miles franklin joins the stream today. Please listen to the replay for his information and opinions.

THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY

FOLLOW MARKZ : TWITTER . https://twitter.com/originalmarkz?s=21. TRUTH SOCIAL . https://truthsocial.com/@theoriginalm...

Mod:  MarkZ "Back To Basics" Pre-Recorded Call" for Newbies 10-19-2022 ) https://www.youtube.com/watch?v=37oILmAlptM

MARKZ DAILY LINKS: https://theoriginalmarkz.com/home/

Note from PDK: Please listen to the replay for all the details and entire stream….I do not transcribe political opinions, medical opinions or many guests on this stream……just RV/currency related topics.

 ZESTER'S LINK TREE: https://linktr.ee/CrazyCryptonaut

THANKS FOR JOINING. HAVE A BLESSED DAY! SEE YOU ALL  TUESDAY THROUGH THURSDAY EVENINGS FOR NEWS @ 7:00 PM EST ~ UNLESS BREAKING NEWS HAPPENS!  FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:     https://www.youtube.com/watch?v=NX_RMLEqWPc

MilitiaMan & Crew- Iraqi Dinar data in Real Time news-Exchange Rate Oriented-Mechanisms-Coordination-Cooperation

MilitiaMan & Crew- Iraqi Dinar data in Real Time news-Exchange Rate Oriented-Mechanisms-Coordination-Cooperation

4-15-2025

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

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

https://www.youtube.com/watch?v=IwYPke4dx88

Seeds of Wisdom RV and Economic Updates Wednesday Morning 4-16-25

Good Morning Dinar Recaps,

2 MAJOR KEY EVENTS ON APRIL 16: RIPPLE VS SEC SETTLEMENT AND POWELL’S SPEECH IMPACTING CRYPTO ASSETS

April 16, 2025 – Today marks a potentially pivotal moment in the crypto market as two high-stakes events unfold: the long-awaited conclusion of the Ripple vs SEC lawsuit and a key speech by Federal Reserve Chair Jerome Powell. Together, these developments could significantly influence investor sentiment and shape the near-term direction of crypto assets.

Ripple vs SEC lawsuit Update

After nearly a decade of legal wrangling, the Ripple vs SEC case may finally be over. April 16 was Ripple’s final deadline to file its appellate brief. With no extension granted, the only options were to either submit the filing or reach a settlement.

Sources close to the matter suggest that a settlement has been reached between Ripple and the SEC. As part of the reported agreement, the SEC has dropped its appeal, while Ripple has agreed to pay a $50 million fine and also withdraw its own counter-appeal.

Crucially, there will be no official declaration labeling XRP as a security, which many in the XRP community view as a significant win for the cryptocurrency.

According to Attorney Fred Rispoli on X, Ripple has only two options by April 16. He explained that Ripple cannot ask for more time, so they have only two options. Either they go ahead and file their appeal, which he believes has just a 10% chance, or they announce a settlement or withdrawal, which he thinks is much more likely, with a 90% chance.

 FED Chair Jerome Powell’s Speech

Later today, Federal Reserve Chair Jerome Powell is set to deliver a speech at the Economic Club of Chicago. With U.S. inflation easing and election-year pressure building, Powell’s comments may hint at the Fed’s outlook on future rate cuts.

The market currently expects:

▪️Two rate cuts in 2025

▪️Possibly starting in June or September

However, Powell has repeatedly emphasized caution, citing persistent inflation risks and global uncertainty.A dovish or hawkish tone could significantly influence Bitcoin, altcoins like XRP, and broader equity markets.

@ Newshounds News™
Source:  Coinpedia

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SOUTH KOREAN PRESIDENTIAL CONTENDER VOWS TO PUSH CRYPTO 'AS MUCH AS' TRUMP: REPORT

▪️South Korea’s presidential primary candidate for the right-wing party said he would reform crypto regulations “as much as” the Trump administration.

▪️He also vowed to increase investment into other disruptive technologies, including AI.

A candidate in the South Korean right-wing party's presidential primary pledged to revamp local regulations on blockchain and cryptocurrencies, according to local news agency Yonhap.

"To foster blockchain and virtual assets as an industry, I will reform regulations as much as the Trump administration in the United States," Hong Joon-pyo, a candidate for People Power Party's presidential primary, said during a policy announcement meeting on Wednesday, according to the report.

Hong, who served as mayor of Daegu city up until last week, said that he would work to incorporate blockchain technology into the public sector and administrative services.

Outside of blockchain and crypto, Hong also pledged to invest at least 50 trillion Korean won ($35.1 billion) over five years in research and development for AI, quantum technology and room-temperature superconductors, the report said, as part of his "growth driven by disruptive tech" initiative.

The prominent politician, with nearly 30 years of experience, had previously urged the South Korean government to adopt friendlier policies and regulations on crypto.

In 2021, Hong openly criticized the government's decision to tax cryptocurrency at the time, labeling the move retrogressive and urging the establishment of legal foundations to institutionalize emerging technologies, according to local news outlet Financial News.

South Korea's 20th President, Yoon Suk-yeol, was removed from office on April 4 after the Constitutional Court unanimously upheld the National Assembly's impeachment vote, prompted by his controversial declaration of martial law on Dec. 3, 2024.

With the June 3 presidential election less than two months away, neither of the two major political parties has yet nominated its candidate.

Hong is among eight candidates vying for the People Power Party's nomination. Meanwhile, Yoon's impeachment has given the opposition Democratic Party of Korea an advantage heading into the upcoming election.

@ Newshounds News™
Source:  The Block

~~~~~~~~~

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Thank you Dinar Recaps

6 Things You Should Never Put in a Living Trust

6 Things You Should Never Put in a Living Trust

Preston Hartwick

Tue, November 12, 2024 GOBankingRates

Estate planning provides for the smooth handling of your assets after death. However, only around 32% of American adults have a will, indicating that most people haven’t taken the appropriate steps to prepare for the management of their estate, according to LegalZoom.

One essential tool for estate planning is a living trust. It allows your assets to bypass the lengthy, costly probate process and maintains your financial privacy.

Since a living trust can be amended or revoked at any point during your lifetime, it also serves as a flexible way to control your assets, avoid family disputes and ultimately provide peace of mind knowing that your estate will be managed according to your wishes.

However, not every type of asset belongs in a living trust. This article will cover the assets you should exclude from your living trust and why.

Things To Leave Out of Your Living Trust

Including certain assets in a living trust can complicate estate management, trigger tax consequences or negatively impact the asset’s value.

While it’s always a good idea to consult an estate planning attorney for legal advice, consider excluding the following assets to maximize the benefits of your living trust:

1. Retirement Accounts

Retirement accounts like 401(k)s and IRAs can trigger tax consequences if you include them in your living will.

Since your living trust is a separate legal entity, any transfers you make from a retirement account count as a withdrawal. This makes transfers taxable and subject to penalties for early withdrawal.

One way to avoid this issue is to name the living trust as a beneficiary on the retirement account. Any funds in the account transfer to the trust upon your death and are distributed to other beneficiaries according to your will.

2. Health Savings Accounts and Medical Savings Accounts

Health savings accounts (HSAs) and medical savings accounts (MSAs) only offer tax-free growth if you use the money for medical expenses. Therefore, transferring an HSA or MSA to a living trust would cause you to lose this tax protection.

By keeping HSAs outside your trust and designating beneficiaries directly, you can continue to enjoy the tax benefits of your HSA or MSA.

3. Active Bank Accounts

You can include checking accounts or other active financial accounts into your living trust, but there are easier ways to transfer funds to your heirs and bypass the probate process.

TO READ MORE:  https://finance.yahoo.com/news/6-things-never-put-living-190103941.html

“Tidbits From TNT” Wednesday Morning 4-16-2025

TNT:

Tishwash:  Oil Price Reset in Budget" Bloomberg: Salaries in Iraq Under "Pressure"

 Bloomberg , the international economic network, revealed today, Tuesday, April 15, 2025, the existence of what it described as "Iraqi government efforts" to reset the price of a barrel of oil in the 2025 budget, after it lost about 13% of its total value during the current month as a result of fears of an economic recession following the trade war declared by US President Donald Trump.

The network reported, as translated by Baghdad Today, that Iraqi officials confirmed to it that the government is currently considering "resetting the price of a barrel of oil" in the remaining 2025 budget, with the aim of determining the government's ability to cover operating costs, most importantly salaries, based on the new oil prices.

She continued, "The decline in oil prices places additional pressure on countries that rely on oil for their revenues, especially Iraq, which relies almost entirely on oil revenues to cover its operating budget and finance the reconstruction of its infrastructure destroyed by years of war."

The network also noted that adjusting the price of a barrel of oil in the budget will help the Iraqi government develop a realistic picture of its ability to cover operating costs, in addition to exploring ways to reduce spending as global prices continue to decline.  link

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Tishwash:  Trade Bank of Iraq launches free cash deposit service via ATMs

The Trade Bank of Iraq announced on Tuesday the availability of a free cash deposit service via ATMs for its bank cardholders, stating that this service aims to simplify procedures and provide faster and easier services to citizens.

The bank's media advisor, Aqeel Al-Shuwaili, said in a statement reported by the official news agency, and reviewed by "Al-Eqtisad News", that "the cash deposit service is available to holders of the bank's cards (Visa, Mastercard) issued in Iraqi dinars only," noting that "the service is free and does not require any additional fees."

Al-Shuwaili explained that "the maximum limit for a single deposit transaction is 5,000,000 Iraqi dinars, provided that the number of banknotes does not exceed 150, while the maximum monthly deposit limit is 13,200,000 Iraqi dinars," noting that "other deposits made through the bank's mobile application or through branch cashiers are counted within the specified monthly ceiling."

He explained that "the cash denominations accepted through ATMs are: 10,000, 25,000 and 50,000 Iraqi dinars," calling on customers to "withdraw the transaction receipt after depositing, as it includes its details, in addition to sending a notification of the deposited amount to the customer's email."

He stressed that "the cash deposit service is available through ATMs in the following locations:

* Main Branch: Al-Harithiya - Al-Kindi Street - Building No. (4).
* International Zone Branch: Al-Tashree' District - Green Zone - Block 228.
* Al-Mansour Branch: 14 Ramadan Street - next to Shamisani Restaurant.
* Al-Tahrir Branch: Al-Rashid Street - Building No. (11) - next to the Artists Syndicate.
* Erbil Branch: Waziran - Zakros Street - opposite Sami Abdul Rahman Park.
Haibat Khatun Branch: Al-A'dhamiyah - Omar bin Abdul Aziz Street.
* Al-Saydiya Branch: Al-Alwa Street - opposite SAS Toyota Company.
* Al-Masbah Branch: Al-Karrada - Al-Masbah Intersection - near Dijlah Village.  link

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Tishwash:  A KDP leader: The Kurdistan Region will convince oil companies to resume exports.

Kurdistan Democratic Party (KDP) leader Wafaa Mohammed Karim confirmed that the Kurdistan Region will seek to persuade oil companies operating within its borders to resume oil exports as part of joint efforts between the federal government and the region to resolve the oil crisis.

Karim told Furat News, "Among the important topics discussed by Prime Minister Mohammed Shia al-Sudani during his visit to the region was the extent of the losses incurred by Iraq due to the halt in Kurdistan's oil exports over the past two years, which amounted to $23 billion."

He added, "The region will work diligently to persuade oil companies to resume exports, as part of the recent understandings aimed at ending the stalemate on this issue." link

Mot:  . When You Can Tell -- That YOU Are an ~~~~~

News, Rumors and Opinions Wednesday AM 4-16-2025

Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.

RV Excerpts from Restored Republic via a GCR: Update as of Wed. 16 April 2025

Compiled Wed. 16 April 2025 12:01 am EST by Judy Byington

Sat. 12 April 2025: DOSSIER: THE SIGNAL THEY WON’T NAME – Inside the Tier 1 Blueprint for a Silent $500 Trillion Reset as Global Financial Realignment Is Already in Motion

Sat. 12 April 2025: CLASSIFIED MILITARY INTEL: STARLINK, QFS, GESARA — GLOBAL DEFENSE & FINANCE UNDER STRATEGIC RESET

Global Currency Reset:

Tues. 15 April 2025 Bruce: (RUMORS)

Tier4b didn’t go today because three states Maryland, California, Mass and some Asian countries had banks that didn’t want to comply and get into the QFS system. If the banks don’t comply by tomorrow they will be sold.

Today President Trump had a closed meeting with Tier 1 Banks at Mar a Largo. He told them the Iraqi Dinar has revalued in Iraq at an international rate at a little over $6. It will trade up, plus have a Contract Rate. The banks are ready for us. The Dinar went live today and will be exchanged within 48 hours.

There are 5 crypto coins that are gold backed.

Tier4b (us, the Internet Group) could get notified tomorrow or Thursday.

DOGE payments will also start this week.

The R&R will be in accounts at the Redemption Centers.

17 currencies are going up in value. The Dinar, Dong, Bolivar are going up substantially ($4-$7 for Bolivar).

~~~~~~~~~~

Tues. 15 April 2025 Global Currency Reset …EBS Activated With Trump on Telegram

Sat. 12 April 2025 The U.S. just triggered the Global Currency Reset (GCR) and the Revaluation (RV), shattering the corrupt system that’s enslaved the world for decades.

On Fri. 11 April 2025 a classified Tier 1 operation quietly began. A financial i*******n of $500 trillion is now moving through the global system through perfectly timed veils of tariffs.

Trump’s trade war was about taking down the rigged currency game. The U.S. Trade Representative is now enforcing currency revaluations as part of new deals. No more mamipulation. No more fake valuations. No more China cheating the dollar.

The Federal Reserve plans to print $9.5 trillion to buy out global gold. But the moment they move, the dollar hits ZERO. Gold will shoot to infinity.

Inside the Tier 1 Blueprint for a Silent $500 Trillion Reset as Global Financial Realignment Is Already in Motion

Over $500 trillion in frozen or hidden assets is now being introduced back into circulation under humanitarian cover. This structure prevents manipulation, bypasses corruption, and protects the mission: 80% of the funds directed toward humanitarian infrastructure, 1% for logistical discretion, and 19% anchored in U.S. Treasury bonds to stabilize the sovereign narrative and avoid inflationary shocks.

Tariffs provide the smokescreen. Governments declare economic wins as hidden financial pathways quietly funnel resources through redemption frameworks unknown to the public.

This operation will never be called a reset. It will be labeled as “liquidity flow alignment,” “sovereign debt stabilization,” or “post-pandemic optimization.” But make no mistake: this is a reverse-engineered correction of economic plunder. The theft of wealth, time, and global potential is being quietly reversed—without ever admitting the theft occurred.

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Tues. 15 April 2025 QFS GLOBAL TAKEOVER: 209 NATIONS. 97 OF TOP 100 BANKS. IT’S HAPPENING. …Carolyn Bessette Kennedy on Telegram

Boom. What we’ve been warning about is now undeniable. The Quantum Financial System (QFS) is no longer a theory. It’s rolling out—right now.

97 out of the world’s top 100 central banks are in the middle of a silent transformation. Not tomorrow. Now. They’re being hardwired into the QFS + RTGS architecture—the final phase before full activation.

What does this mean? It means the current monetary regime—the fiat parasite system run by Deepstate bankers—is being dismantled. Fast. Quiet. Global.

An inside source from military intelligence confirms:

179+ central banks are either already linked or in the final stages of integration. Another 80 regional banks are next. That’s 209 total. The entire planet is being absorbed into a new digital command grid—not controlled by governments, but by something far more powerful.

This isn’t about “faster payments.” It’s about total surveillance. Total control. Total reset. No transaction left unseen. No asset left untagged. The financial panopticon has arrived.

Banks involved include: People’s Bank of China – $5.1T assets, Bank of Japan – $5.2T assets, Deutsche Bundesbank – $2T assets, Bank of England – $758B assets, Swiss National Bank, Reserve Bank of India, Bank of France, Bank of Italy — all are in. Even the Federal Reserve regional branches in the U.S. are locked in.

Why aren’t you hearing this on the news? Because once the public connects the dots, it’s over. This isn’t just a financial shift—this is the backbone of the New World order.

The RTGS system ensures real-time, unstoppable transactions. Combine it with QFS and you get a weaponized, blockchain-driven grid with the power to erase wealth, deny access, or approve purchases—based on your compliance.

Gold-backed currencies. Centralized digital IDs. Total obedience. The BIS, IMF, and WEF want one network to rule them all.

This is the storm. If your country’s bank is on that list, you’re already in the system.

Read full post here:  https://dinarchronicles.com/2025/04/16/restored-republic-via-a-gcr-update-as-of-april-16-2025/

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

Frank26  Security and stability, do we have it?  Seems like it because the whole place is beautiful.  But where is the problem?  Where's the origin of the lack of security and stability?  The answer is Iran...We know the problem is Iran and we know once they are under control, we have security and stability for that new exchange rate to come out.  Can it come out right now?  Yes.  But you said we're waiting for security and stability.  I believe we are very well secured and stable with the 9th floor of the CBI.

Militia Man  Iraq doesn't have a whole lot of purchasing power at 1310.  But they have an expectation of purchasing power...The deletion of the zeros project is definitely on their minds, especially the tribal leaders in Iraq, which includes politicians.  They're concerned about the deletion of the zeros project but they're fully aware of it and that's where the purchasing power is.  The average guy on the street doesn't have a whole of dinars.  They want purchasing power because they want prices to come down so they can afford to live.  The wealthy, tribal leaders perhaps, have a lot of cash and they put that cash in the banks.  They think they could get more money in and out of the country...Those folks over there are concerned about their purchasing power.

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Expect Extended Mass Panic In Markets | Chris Vermeulen

Liberty and Finance:  5-15-2025

Chris Vermeulen breaks down the recent market "whiplash" and what it signals for the months ahead.

He warns that despite a short-term bounce, we may have already entered a new bear market with deeper pain to come.

 Chris dives into key technicals on the S&P 500, gold, silver, and the Magnificent 7, revealing patterns eerily similar to past market collapses. He also explains why gold's breakout might be deceiving and why a massive pullback could be looming before the next supercycle.

 If you're trying to make sense of the chaos in equities and commodities, this conversation is packed with timely insight.

INTERVIEW TIMELINE:

0:00 Intro

1:20 Stock market top is in

 6:10 Huge bear market ahead

14:30 Gold miners

17:00 "Everything Crash"

https://www.youtube.com/watch?v=sCNZyF-a5P8

Iraq Economic News and Points to Ponder Tuesday Evening 4-15-25

Oil Continues Its Losses

Time: 2025/04/14 07:56:56 Read: 2,685 times  {Economic: Al Furat News} Oil prices fell on Monday, amid concerns that the escalating trade war between China and the United States could weaken global economic growth and undermine fuel demand.

By 01:26 GMT, Brent crude futures were down 29 cents, or 0.45%, at $64.47 a barrel, while West Texas Intermediate crude futures were down 27 cents, or 0.44%, at $61.23 a barrel.

Both crudes have lost about $10 a barrel since the beginning of the month, as the trade war between the world's two largest economies escalates, according to Reuters.

Goldman Sachs expects Brent crude to average $63 per barrel, while West Texas Intermediate (WTI) crude is expected to average $59 per barrel for the remainder of this year. Brent crude is expected to average $58 per barrel and WTI crude $55 per barrel in 2026.  LINK

Rising Oil Prices

Economy | 09:40 - 04/15/2025   Mawazine News – Baghdad  Oil prices rose in early trading on Tuesday, supported by new tariff exemptions announced by US President Donald Trump and a rebound in Chinese crude oil imports in anticipation of a decline in Iranian supplies.

Brent crude futures rose 27 cents, or 0.42 percent, to $65.15 a barrel by 00:46 GMT, while U.S. West Texas Intermediate (WTI) crude gained 26 cents, or also 0.42 percent, to $61.79.

In the latest development in a tense trade war, Trump said he was considering adjusting the 25 percent tariffs imposed on auto and auto parts imports from Mexico, Canada and other countries. U.S. erratic trade policies have created uncertainty in global oil markets and prompted the Organization of the Petroleum Exporting Countries (OPEC) on Monday to cut its demand forecast for the first time since December.

The Trump administration announced on Friday that it would grant exemptions from tariffs on smartphones, computers and some other electronic goods, most of which are imported from China. That pushed both benchmark crude oil prices to a slight gain on Monday.

Trump said on Sunday he would announce tariffs on imported semiconductors next week, and filings in the Federal Register, the government's official journal, on Tuesday showed that the administration began investigating semiconductor imports on April 1 as a prelude to imposing tariffs.

Prices were also supported by data on Monday showing China's crude oil imports in March rose about 5% from a year earlier, as it increased purchases of Iranian oil in anticipation of tighter US sanctions.

Kazakhstan said on Monday its oil production fell 3% in the first two weeks of April from the March average, confirming a Reuters report, although its output remains above its quota in OPEC+, the grouping of OPEC and allies led by Russia.  https://www.mawazin.net/Details.aspx?jimare=260785

Gold Prices Stabilize In Baghdad Markets

Stock Exchange  Economy News – Baghdad   Foreign and Iraqi gold prices stabilized in local markets in the capital, Baghdad, on Tuesday (April 15, 2025).

Gold prices in the wholesale markets on Al-Nahr Street in the capital, Baghdad, witnessed this morning a selling price of one mithqal of 21-karat Gulf, Turkish and European gold of 666 thousand dinars, and a purchase price of 662 thousand dinars.

The selling price of one mithqal of 21-karat Iraqi gold reached 636,000 Iraqi dinars, and the buying price was 632,000 Iraqi dinars.

As for gold prices in jewelers' shops, the selling price of a mithqal of 21-karat Gulf gold ranges between 665,000 and 675,000 dinars, while the selling price of a mithqal of Iraqi gold ranges between 635,000 and 645,000 dinars.  https://economy-news.net/content.php?id=54456

Today's Dollar Prices

economy | 11:39 - 04/15/2025   Mawazine News – Baghdad   The exchange rate of the US dollar against the Iraqi dinar witnessed a rise in the currency markets in the capital, Baghdad.

The dollar price rose on the Al-Kifah and Al-Harithiya stock exchanges to 147,400 Iraqi dinars for every $100, while yesterday's price, Monday, was 147,300 dinars for every $100.

The selling price at exchange shops in the local markets in Baghdad reached 148,500 Iraqi dinars for every $100, and the buying price reached 146,500 dinars for every $100. https://www.mawazin.net/Details.aspx?jimare=260788

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

Seeds of Wisdom RV and Economic Updates Tuesday Evening 4-15-25

Good Evening Dinar Recap

XRP ETFS LIKELY NEXT TO GET SEC APPROVAL, BEATING DOGE AND SOLANA: KAIKO

XRP exchange-traded funds may be the next SEC-approved product that gives investors exposure to crypto, according to data firm Kaiko.

An XRP-focused exchange-traded fund is more likely to receive approval than other recently proposed spot funds tracking other major altcoins, market research firm Kaiko said in a report released Monday.

XRP's front-runner position comes because of the underlying token's high liquidity, said Kaiko. Spot volume for XRP on American exchanges recently hit its highest level since before a long-running lawsuit in 2020 led to delistings, Kaiko noted in its report. XRP is the fourth-largest cryptocurrency by market cap.

Kaiko added that the SEC's prior approval of a fund giving investors exposure to the coin also worked in XRP's favor. U.S. asset manager Teucrium Investment Advisors launched a 2x leveraged XRP ETF earlier this month.

"It's hard to argue against allowing a spot product when there's already an active ETF like this, which is highly levered and more risky than a vanilla spot ETF," Kaiko's Adam Morgan McCarthy told Decrypt.

Bitwise, Grayscale, 21Shares, CoinShares, and Canary Capital have all applied to list spot XRP funds. The applications and others for ETFs based on Solana, Litecoin, Cardano, and Dogecoin, among other tokens, reflect issuers' growing efforts to address demand for crypto investment products. Kaiko reported that a Solana-based fund was the next most likely after an XRP ETF to receive a regulatory greenlight.

XRP is a virtual coin created by the founders of fintech company Ripple. The SEC sued Ripple at the end of 2020, alleging that its team sold unregistered securities in the form of XRP.

@ Newshounds News™
Source:  Decrypt

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BRICS: WHEN BARACK OBAMA PREDICTED THE US DOLLAR’S FUTURE

When BRICS was formed in June 2009, former US President Barack Obama had predicted the future of the US dollar. Three months after BRICS was formed in 2009, Obama spoke in length about the USD highlighting its importance across the world. The former President revealed that investor’s confidence in the USD is high and will remain the same for many more years.

However, fast-forward 16 years to 2025, the geopolitical landscape has experienced a paradigm shift. Developing countries are advancing financially and competing with the US in tech, trade, and science.

BRICS is also looking to topple the US dollar giving Barack Obama’s 2009 prediction a reality check. The global financial markets are rapidly evolving with emerging economies looking to dominate the geopolitical spectrum.

BRICS: Barack Obama Had Predicted the US Dollar’s Future in 2009, Here’s What He Said

Former US President Barack Obama spoke about the US dollar’s future prospects when the BRICS alliance was launched in 2009. 

He explained that the USD is an extraordinary currency with immense faith and trust from the global investor community. “The dollar is extraordinarily strong right now,” President Obama said in November 2009.

And the reason the US dollar is strong right now is because investors consider the United States the strongest economy in the world with the most stable political system in the world,” said Barack Obama. However, in 2025, the political landscape is different and BRICS and other developing countries want to topple the US dollar.

Barack Obama’s prediction of the US dollar is now on shaky grounds as BRICS countries find the currency intimidating. The White House pressing sanctions on developing countries is what led the alliance to distrust the USD. Even former US Treasury Secretary Janet Yellen confirmed that sanctions gave way for de-dollarization.

@ Newshounds News™0
Source:  Watcher Guru

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77% of Americans Plan To Use Tax Refunds for Essential Expenses: 5 Tips for Using Yours

77% of Americans Plan To Use Tax Refunds for Essential Expenses: 5 Tips for Using Yours

Dawn Allcot  Tue, April 15, 2025   GOBankingRates

For Americans who usually receive a tax refund, that spring windfall sometimes helps cover a treat, like a family vacation, a pool or new patio furniture. But for a majority of people this year, their tax refund is going toward necessities, according to a study from Talker Research, commissioned by TaxSlayer.

The study found that 77% of Americans will spend their tax refund on necessities this year. What’s on the top of their list? More than half (52%) of those polled said the money will go toward rent or utility bills. Meanwhile, 44% will put the money toward groceries and essential goods. Thirty-seven percent are using the cash to pay down credit card debt, with 56% of that group still paying off holiday bills.

This is common — and nothing to be ashamed of — in today’s financial environment.

“If your refund is going straight to keeping the lights on and food in the fridge, that probably says more about the cost of living than your decision-making,” said Taylor Kovar, CFP, founder and CEO of 11 Financial. “That kind of pressure is real.”

However, there are ways to plan ahead to remove some of that financial sting throughout the rest of 2025. Try spending what you can of your tax refund strategically to try to get ahead.

Look at Your Spending Patterns

If you’re consistently running behind on fixed expenses, like your car loan, rent or utility bills, you should “zoom out and look at the patterns,” Kovar advised. “It’s worth seeing if there’s a monthly expense that’s quietly draining your budget.”

See if you can change due dates on bills so everything doesn’t hit your bank account at the same time too. If you have good credit, consider consolidating some of your credit card debt to a 0% interest credit card that you can aim to pay off within 12 to 18 months.

Sometimes, small tweaks like changing due dates and reducing interest payments can provide the breathing room you need.

Use Your Refund To Build a Small Cushion

If you can, deposit part of your refund into a high-yield savings account to provide a buffer for months when emergency expenses crop up or cash gets tight.

“The goal isn’t perfection,” Kovar said. “It’s just trying to make the months ahead feel a little less like a juggling act.”

Plan for the Holidays

TO READ MORE:   https://finance.yahoo.com/news/77-americans-plan-tax-refunds-170500998.html

Short Tuesday Evening News with MarkZ. 04/15/2025

Short Tuesday Evening News with MarkZ. 04/15/2025

MarkZ  Update- Some highlights by PDK-Not verbatim

MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context.  Be sure to consult a professional for any financial decisions

Member: Good evening mark all mods and patriots!!!

Member: I’m ready ready ready ready ready ready and ready

Member: I’m hoping for exciting updates tonight ! Hope to see some money moving

MZ: News continues to remain solid. No new bond news since this morning…but, they continue to get things completed and I was told they expect to have that threshold (30% done) this week….all completed and paid so they can move to the next phase which are CMKX, PP’s ect…….. then it should be our turn….so that is your recap from this morning.

Member: Mark did you see all the ads to the Iraqi people on the new ATM’s? It’s amazing….thousands of them.

Member: Seems like Bruce and Wolverine are very excited.

Member: To be perfectly frank, with all this delay, I don't know how Wolverine and Bruce keep their spirits up. They deserve a medal for persistence and endurance. imo.

Member: I wonder- What is the reason that Iraq has not come out with their new rate.?

Member: We are all wondering that.

MZ: In Iraq: “Parliamentary warning: Banks dominate transfers and corruption threatens the economy”  They are pointing out that foreign owned banks have been doing most of the money transfers., and making hundreds of millions a year. If they domesticate this…and raise the value of their currency they will no longer have this issue.

MZ: All these articles are laying the groundwork for raising the value. Part of that groundwork is convincing the public it is time….And that is clearly the phase they are in.

Member: “We’re unlikely to see the reserves touched, but a revaluation of the dinar, coupled with domestic borrowing, could help bridge a potential deficit,” al-Ansari explained.

MZ: “Congress Delegation visits Iraqi PM” We just had a delegation in the Kurdish region…now there is a delegation in Baghdad. These are a group of democrats. It is clear that both sides of the aisle understand what is at stake here.

MZ: “Vietnam discovers 12 mines containing over 10 tons of Gold”  it feels like everytime we turn around somebody is discovering a new commodity. Lithium in the US…Gold in Vietnam….and much more….they are preparing the world to go back to a commodity super cycle.

Member: Told you. Vietnam will give Iraq a run for its money

MZ: “Ghana orders foreigners to exit the gold market by April 30” We are seeing a move towards sovereigns and commodities. In ground assets are the property of the people….When we get rid of or greatly limit fiat…..and embrace asset or commodity backed currencies…..this kind f thing starts to happen. Countries are preparing for this change.

Member: What do you think about Gold Standard on Monday?? That's what rumors the boards are saying.

Member: I really hope the boards are right this time.

Member: Thanks to all…..and see you in the AM

Member: Sweet dreams to everyone.

THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY

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Note from PDK: Please listen to the replay for all the details and entire stream….I do not transcribe political opinions, medical opinions or many guests on this stream……just RV/currency related topics.

THANK YOU ALL FOR JOINING. HAVE A BLESSED NIGHT! SEE YOU ALL IN THE MORNING FOR COFFEE @ 10:00 AM EST ~ UNLESS BREAKING NEWS HAPPENS!

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