Thursday Coffee with MarkZ. 10/23/2025
Thursday Coffee with MarkZ. 10/23/2025
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: I’m giving thanks for another blessed day!! Good morning to all
Member: here we are approaching the end of October….. still nothing
Member: Oct 24, 1929 the market crashed - could tomorrow be a black Friday?
Thursday Coffee with MarkZ. 10/23/2025
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: I’m giving thanks for another blessed day!! Good morning to all
Member: here we are approaching the end of October….. still nothing
Member: Oct 24, 1929 the market crashed - could tomorrow be a black Friday?
Member: I’ve just been watching Jon Dowling, Mark Z, & Zester Z in their interview. Very good. Interesting what Zester said about the ISO 20022 coins & adoption.
Member: ISO22 in effect 11/22
Member: Zester gave the clearest most comprehensive explanation of our new financial system that I’ve ever heard.
Member: The stress of waiting for this RV is clogging my liver!
MZ: Well, this is a quiet day for news…nothing wrong and the news is good…just not much of it. – I cannot stand these quiet days….I just want something big, fast and quick….they need to git er’done.
Member: Bondholders have become squatters in Reno, waiting on RV…lol
MZ: lol- They have become squatters all over the place…..From Zurich to Reno to Columbia and many other places.
MZ: Bond side is still quiet. I have a contact who has a meeting that starts in 24 minutes or so and a couple others who have meetings today or tomorrow. Hoping to hear some news about timing .
Member: Will we be able to exchange the older dinar with the face of Sadaam Hussein on it?
MZ: I get mixed thoughts on this by many. I think there is a chance, but wouldn’t count on it. I would definitely take it with me at exchange time. Just in case. But I wouldn’t go out and buy any.
Member: I am interested to understand what it means for the RV if Sudani does or does not get re-elected....
Member: I hear Sudani is planning a trip to meet with Trump in Washington DC
MZ: I can confirm that. He is planning a trip to Washington DC
Member: Frank reported that we would see the rate in the budget prior to Parliament recieving it on the 26th. Exchange centers inside Iraq start the 25th to turn in 3 zero notes. Not sure when we RV
Member: Mark, based on all the news coming out of Iraq, geopolitical news, bond news, basics, etc…What is your gut saying about timing??
MZ: Some Iraq news: “ Alaq to Rudaw: The tripartite budget included very large spending and a high level of deficit” he also talks about deleting the zeros in this one. But it seems they had expected to have a new value done halfway through the budget and did not get it done so they now have a deficit. IMO
MZ: That they are talking about the budget and the need to delete zeros in this one sitting tells us something. To me he is telling us they are working on it and we will see it soon.
MZ: I am ready to have it done.
MZ: “No obstacles in the way of withdrawing oil revenues from US banks” Al- Alaq has been on a tour. He is letting us know that all the election year rhetoric is BS. He is trying to keep everyone grounded.
MZ: He also wants us to know the project to delete the zero is well underway …that the project still exists and it is ongoing. They are right now working on it. One thing I found about Iraq – when they say they are working on it- they are really just about done.
MZ: “Iraq is the fourth Arab (nation) in possession of gold” they want us to know they are growing their gold reserves. They have over 162 tons and are on a buying spree and adding more gold monthly to their totals. It is important for the support it gives to the Iraq currency.
Member: Vietnam is operating at peak performance. The nation reported a staggering 8.2% GDP increase in Quarter 3 of 2025
Member: Any guess on the Zimbabwe rv value?
MZ: I continue to hear that on the low side its $11 million per $100T note….and the high side is $50 million per 1 $100T note. Most of what I have heard over the years is around $30 million per $100T bond note.
MZ: On the Zim Agro checks I continue to hear $330 grand per $1 billion.
Member: Metals look like the bounced off of yesterday's lows; the price difference between silver options and physical silver price has tightened again. Something to keep an eye on IMO
Member: Praying this our weekend and we don’t have to have to go through this same old “we’re almost there process anymore.” I love being with you all but mentally exhausted
Member: Blessings & Congratulations To All Celebrating Their Anniversaries & Birthdays Today
Member: Thanks to all …and hoping everyone has a great day today.
MZ: Dr. Scott is planning on joining us this evening.
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
“Tidbits From TNT” Thursday 10-23-2025
TNT:
Tishwash: Central Bank: The project to remove zeros from the dinar is still ongoing and is being planned.
Central Bank Governor Ali Al-Alaq confirmed that the three-year budget "included very large expenditures and a high deficit," noting that the issue of removing zeros from the dinar may witness developments in the coming period.
On the sidelines of Al-Alaq's participation in the Duhok Conference on Economic and Financial Problems in Iraq and the Kurdistan Region, Al-Alaq said, "The budget for the three years included very large expenditures, which is why the deficit was high. However, there is ongoing coordination between the Central Bank and the Ministry of Finance to achieve a high degree of financial stability."
TNT:
Tishwash: Central Bank: The project to remove zeros from the dinar is still ongoing and is being planned.
Central Bank Governor Ali Al-Alaq confirmed that the three-year budget "included very large expenditures and a high deficit," noting that the issue of removing zeros from the dinar may witness developments in the coming period.
On the sidelines of Al-Alaq's participation in the Duhok Conference on Economic and Financial Problems in Iraq and the Kurdistan Region, Al-Alaq said, "The budget for the three years included very large expenditures, which is why the deficit was high. However, there is ongoing coordination between the Central Bank and the Ministry of Finance to achieve a high degree of financial stability."
He added, "The issue of removing zeros from the Iraqi currency is an ongoing project that is being planned, and we may hear developments regarding it in the coming period."
He pointed out that, "With the renewed proposal for the zero-removal project, which is currently being prepared, the currency denominations will be restructured in general, including the 20,000 denomination." link
Tishwash: No obstacles in way of withdrawing oil revenues from US banks: Iraq
The governor of the Central Bank of Iraq (CBI) said Wednesday there are no obstacles in the way of withdrawing oil revenues from US banks, amid recent reports that Washington has sanctioned tens of Iraqi banks due to alleged violations involving illegal dollar transactions.
"There are no obstacles or barriers," Ali Alaq told Rudaw on the sidelines of the second scientific conference of the College of Administration and Economics at the University of Duhok. "We receive... US dollars daily and convert it directly to Iraqi dinars to meet the needs of the Ministry of Finance and pay those who are entitled to dollars in exchange for dinars."
Iraq's oil revenues are deposited in US banks, namely the Federal Reserve, for the purpose of stabilizing Iraqi dinar, management of inflation, and several other critical reasons. The practice originated after the 2003 invasion under UN and US oversight.
In August, Iraq Observatory reported that 35 of the 72 banks currently operating in Iraq have been sanctioned by the US due to alleged violations of illegal US dollar transactions.
Oil revenue is Iraq’s main source of income, and the federal government relies on oil sales to cover its costs and pay the salaries of its civil servants.
Iraq has generated an estimated revenue of $7.1 billion in August oil exports, reported the country's oil ministry.
Issues around budget deficiencies
In June 2023, Iraq passed a three-year budget that included a record $152 billion in spending, allocating 12.6 percent to the Kurdistan Region.
"The three-year budget contains significant expenditures, which is why the deficit has increased," Alaq warned, adding there is, however, "coordination between the Ministry of Finance and the Central Bank to ensure greater financial stability."
He added there are "plans being implemented in coordination between the government and the Central Bank to establish a foundation for financial sustainability that will not face shortages and problems.
"The programs that the government and Central Bank are working on include increasing non-oil revenues to protect against the shocks that hit Iraq's economy.
"I believe there will be significant progress on this matter in the future. Financial sustainability is an important and fundamental goal that we are all working on."
Under Iraq's three-year budget plan for 2023-2025, it was decided that the federal government’s revenues and expenditures would follow a set framework, with the finance ministry preparing an updated revenue and expenditure table each year for parliamentary approval.
However, the 2025 budget table has yet to be submitted to Parliament. In practice, even when such tables are prepared, the figures often differ significantly from actual revenues and expenditures, as seen over the past two years.
Removing zeros from currency
Last week, the CBI announced plans to remove zeros from dinar, as part of efforts to strengthen the national currency.
"The matter of removing zeros from the Iraqi currency is a project that still exists and is ongoing. We are planning for it, and in the future we will see progress on this matter," Alaq said.
Iraq’s national currency, the dinar, has recently demonstrated strong signs of recovery, with the market rate steadily approaching the official exchange rate of 1,320 IQD to the US dollar. After a turbulent period of volatility and speculation link
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Tishwash: Nechirvan Barzani receives a message from Trump
US President Donald Trump expressed his thanks and appreciation to Kurdistan Region President Nechirvan Barzani for his efforts to promote peace and peaceful coexistence, and his endeavors to end conflicts in the Middle East.
The Kurdistan Region Presidency stated in a statement received by Shafaq News Agency on Wednesday evening that Barzani received a letter from the US President on Tuesday evening, thanking him for his efforts and endeavors to achieve peace. He also stressed the importance of ending disputes and tensions in the Middle East.
In his message, Trump emphasized that the nations of the world are capable of overcoming old differences and moving toward a shared future of peace, success, and progress.
The US President expressed his personal commitment and that of his administration to supporting efforts to achieve sustainable peace and end conflicts and violence in the region and the world.
He concluded his message by conveying his greetings and best wishes to the President of the Kurdistan Region, Nechirvan Barzani, and his family. link
Mot: Looking fir a New Trainer - any suggestions – siiiggghhhhh
Mot: Warning!! - Never Turn Your Head!!!
Iraq Economic News and Points To Ponder Thursday Morning 10-23-25
Deposit Growth Declines And Cash Credit Rises In Iraq
Energy and Business 2025-10-22 Shafaq News – Baghdad The Central Bank of Iraq reported on Wednesday a decline in bank deposit growth, while credit growth increased during July.
A bank statistic reviewed by Shafaq News Agency showed that total deposits at banks operating in Iraq decreased by 1% in July, reaching 116.265 trillion dinars, compared to their value in June, which amounted to 117.439 trillion dinars
Deposit Growth Declines And Cash Credit Rises In Iraq
Energy and Business 2025-10-22 Shafaq News – Baghdad The Central Bank of Iraq reported on Wednesday a decline in bank deposit growth, while credit growth increased during July.
A bank statistic reviewed by Shafaq News Agency showed that total deposits at banks operating in Iraq decreased by 1% in July, reaching 116.265 trillion dinars, compared to their value in June, which amounted to 117.439 trillion dinars.
The bank added that central government deposits amounted to 36.22 trillion dinars, while public institution deposits amounted to 25.442 trillion dinars, and private sector deposits amounted to 54.595 trillion dinars.
The statistics indicated that credit growth increased by 2% in July, reaching 73.027 trillion dinars, compared to June, when credit growth reached 71.483 trillion dinars.
The bank explained that credit provided to the central government amounted to 25.77 trillion dinars,
while credit provided to public institutions amounted to 2.43 trillion dinars, and credit provided to the private sector amounted to 44.827 trillion dinars. https://shafaq.com/ar/اقتصـاد/تراجع-نمو-الودا-ع-وارتفاع-الا-تمان-النقدي-في-العراق
Al-Ghariri: Iraq's negotiations to join the World Trade Organization are ongoing.
Yesterday, 18:47 Baghdad – INA Minister of Trade Athir Dawood Al-Ghariri confirmed on Monday that Iraq's negotiations to join the World Trade Organization are ongoing, while stating that regional cooperation and integration are the path to achieving peace, stability, and sustainable development.
A statement by the Ministry of Trade received by the Iraqi News Agency (INA) stated:
"Minister of Trade Athir Dawood Al-Ghariri participated in the sixteenth session of the United Nations Conference on Trade and Development (UNCTAD), held in Geneva with broad participation from representatives of countries and international and regional organizations."
According to the statement, the minister affirmed that "collective action and regional integration represent a fundamental pillar for building a more stable and equitable economic system in light of the transformations and challenges facing the world," emphasizing that "open regional agreements can support the multilateral trading systemand promote sustainable development."
Al-Ghariri pointed out that "Iraq, which is continuing its negotiations to join the World Trade Organization, views regional initiatives as an opportunity to enhance its institutional readiness and align its legislative and investment frameworks, enabling it to effectively integrate into the global economy."
He explained that "regional integration represents a pillar for development and reconstruction, and that cooperation in the areas of infrastructure, simplifying customs procedures, encouraging investment, energy, agriculture, and services contributes to enhancing competitiveness and diversifying the national economy."
At the end of his speech, the Minister praised UNCTAD's significant role in supporting Iraq during its accession to the World Trade Organization, stressing that "regional cooperation and integration are the path to achieving peace, stability, and sustainable development." https://ina.iq/ar/economie/246099-.html
An Economist Explains: Iraq Can Write Off 90% Of Its "Odious" Debt.
October 21, 2025 Baghdad/Iraq Observer Today, economic expert Nabil Al-Marsoumi revealed new details regarding Iraq's foreign debt,asserting that Iraq has the legal right to write off approximately 90% of these debts, which he considered "odious."
Al-Marsoumi explained, in a post on his official Facebook page, that Iraq's total external debt amounts to $54 billion, of which $13.5 billion is active debt, on which the government is paying interest, and $40.5 billion is inactive debt owed to Gulf states, frozen without interest payments and unsettled since the 1990s.
He pointed out that the total amount of these debts does not exceed $18 billion, of which $12 billion is owed to Saudi Arabia and $6 billion to Kuwait, while the remaining claims represent a mixture of several components:
1. Exporting oil to Iraq through the neutral zone between Saudi Arabia and Kuwait, at a quantity of 1.3 million barrels per day.
2. Paying off Iraq's debts to others or guaranteeing loans, as Saudi Arabia helped the previous government to boost its creditworthiness.
3. Equipping Iraq with civilian and military means to serve the war effort, which were considered support rather than official loans.
4. Providing facilities at Saudi and Kuwaiti ports and exemptions from transit fees and customs clearance, including the construction of a pipeline to transport Iraqi oil through Saudi territory.
Al-Marsoumi emphasized that these components do not constitute legal debts unless there is a written agreement, and that the legal principle of odious debt allows for the cancellation of obligations that are not used to serve the public.
He pointed out that the optimal solution to these debts lies in establishing an international arbitration court to separate legal debts from odious debts, which would enable Iraq to pay only about 10% of the legal debts, and cancel the remainder, thus freeing the country from its large external debts. https://observeriraq.net/خبير-اقتصادي-يوضح-بإمكان-العراق-إسقاط-9/
Economist: Domestic Debt Is A Tragedy, And External Debt Is The Most Dangerous.
Economy October 18, 19:09 Information / Special.. Economist Ahmed Abd Rabbuh confirmed on Saturday that Iraq's internal and external debts have reached alarming levels that threaten the country's financial and economic stability.
He warned that continued borrowing without genuine financial reforms will lead to a crisis of confidence between citizens and banking institutions.
In a statement to Al-Maalouma News Agency, Abdel Rabbo said, "Domestic debts represent a true economic tragedy because they are financed by the local banking system, which weakens citizens' confidence in banks and raises fears that their balances or savings will be affected if the crisis worsens."
He explained that "external debts are the most dangerous because they subject the country to external political and economic conditions that limit its financial sovereignty."
He added that "the continued accumulation of domestic debt without regulating government expenditures or a clear plan to direct them toward productive development projects poses a direct threat to the national economy," noting that "the continued delay in approving budgets has exposed weak government performance and the failure to hold accountable those who have exceeded constitutional deadlines for the general budget."
Abdul Rabbo pointed out that "it is unlikely that a new budget or financial schedules will be approved for the current year in light of the lack of real accountability and the decline in oil prices, which will lead to the disruption of investment projects and a slowdown in economic growth."
This warning comes at a time when the government is facing a stifling financial crisis resulting from mounting debt and declining oil revenues, while economic experts are calling for a comprehensive reform of fiscal policy and enhanced oversight of public spending before the country slides into a deeper economic crisis.
https://almaalomah.me/news/113187/economy/اقتصادي:-الديون-الداخلية-مأساة-والخارجية-الأخطر
For current and reliable Iraqi news please visit: https://www.bondladyscorner.com
Seeds of Wisdom RV and Economics Updates Thursday Morning 10-23-25
Good Morning Dinar Recaps,
Don’t be fearful of control by federal reserve because we are going to a gold backed system which takes away their power of debt. They will just go away as we return to our Republic and gold. The base and rails of the system are being laid and there is more info on how this will lead to our new global financial system and reset. Our currency will be digital called Stablecoins, backed by gold. No more debt system so no more Fed control. Our system will be based on gold as our anchor and collateral. That is the direction the world is going and daily we see it happening with record gold purchases and regulations world wide on digital use of currency in the form of stablecoins. Stablecoins will be backed by gold — not fiat treasury bills or bonds like they are now. Seeds of Wisdom Team
IMF and BIS Confront Hidden Fault Lines in Global Private Credit
Regulators quietly move to map shadow lending risks as unregulated markets surpass $2.1 trillion.
Good Morning Dinar Recaps,
Don’t be fearful of control by federal reserve because we are going to a gold backed system which takes away their power of debt. They will just go away as we return to our Republic and gold. The base and rails of the system are being laid and there is more info on how this will lead to our new global financial system and reset. Our currency will be digital called Stablecoins, backed by gold. No more debt system so no more Fed control. Our system will be based on gold as our anchor and collateral. That is the direction the world is going and daily we see it happening with record gold purchases and regulations world wide on digital use of currency in the form of stablecoins. Stablecoins will be backed by gold — not fiat treasury bills or bonds like they are now. Seeds of Wisdom Team
IMF and BIS Confront Hidden Fault Lines in Global Private Credit
Regulators quietly move to map shadow lending risks as unregulated markets surpass $2.1 trillion.
A new phase of global financial oversight is emerging as the IMF and Bank for International Settlements (BIS) intensify cooperation on systemic risk mapping across private credit markets. These unregulated lending pools—now estimated above $2.1 trillion globally—have become the largest blind spot in modern finance.
The IMF’s October Financial Stability Report warns that nonbank lenders could trigger “cross-border liquidity fractures” if defaults rise.
The BIS is coordinating data collection and digital transparency protocols among major central banks to identify risk concentration channels.
Industry insiders suggest the next step could involve tokenized credit reporting systems—an early precursor to a digitally unified financial oversight framework.
This move represents more than regulatory caution; it signals the first visible layer of a transition toward centralized digital control mechanisms capable of absorbing shocks from private markets.
Implications:
The growing dependence on opaque private credit reveals deep structural fragility in the global system. As the IMF and BIS step in to “map” the risks, they are effectively laying the digital scaffolding for a future in which liquidity management and credit issuance converge under programmable central bank oversight—a core feature of the unfolding global financial reset.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources:
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The Dollar Defends Its Final Fronts: Currency Interventions Signal a Shifting Order
Joint U.S.–Japan market action underscores the dollar’s fragility as China quietly rewires reserve holdings.
Global currency markets are showing the early signs of a strategic realignment. For the second time this quarter, the U.S. Treasury and Japan’s Finance Ministry intervened jointly to defend the yen from record depreciation—an effort to preserve stability in a system increasingly strained by diverging interests.
The coordinated move reflects heightened concern over global FX volatility, particularly as China continues reducing its U.S. Treasury holdings, reallocating into euros and gold reserves for the seventh straight month.
Analysts note that Beijing’s shift is not a short-term hedge, but a gradual decoupling from the dollar-centric architecture that has dominated since the 1970s.
Meanwhile, several Asian and Middle Eastern economies are experimenting with local currency trade settlements, further diluting the dollar’s central role in regional transactions.
The interventions reveal a paradox: the defense of the old system confirms the rise of the new. As Washington fights to preserve dollar liquidity, emerging powers are designing multilateral currency corridors and gold-linked trade mechanisms that could redefine global exchange.
Implications:
Each round of intervention buys time, not stability. The pattern reflects the controlled unwinding of dollar dependency, signaling the gradual emergence of regional monetary blocs that may form the foundation of a post-dollar settlement regime—a core component of the global financial reset.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources:
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Thank you Dinar Recaps
MilitiaMan and Crew: IQD News Update-CBI -Remove Zeros Project is Ongoing!
MilitiaMan and Crew: IQD News Update-CBI -Remove Zeros Project is Ongoing!
10-22-2025
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……..
MilitiaMan and Crew: IQD News Update-CBI -Remove Zeros Project is Ongoing!
10-22-2025
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……..
FRANK26….10-22-25…..SO BIG !!!
KTFA
Wednesday Night Video
FRANK26….10-22-25…..SO BIG !!!
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
KTFA
Wednesday Night Video
FRANK26….10-22-25…..SO BIG !!!
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Iraq Economic News and Points To Ponder Wednesday Evening 10-22-25
Central Bank Of Iraq: The Project To Remove Zeros From The Dinar Is Still Ongoing And Is Being Planned.
Local The Governor of the Central Bank of Iraq, Ali Al-Alaq,confirmed that the third budget"included very large expenditures and a high deficit," noting that the issue of removing zeros from the dinar may witness developments in the coming period.
Central Bank Of Iraq: The Project To Remove Zeros From The Dinar Is Still Ongoing And Is Being Planned.
Local The Governor of the Central Bank of Iraq, Ali Al-Alaq,confirmed that the third budget"included very large expenditures and a high deficit," noting that the issue of removing zeros from the dinar may witness developments in the coming period.
On the sidelines of Al-Alaq's participation in theDuhok Conference on Economic and Financial Problems in Iraq and the Kurdistan Region, Al-Alaq said, "The budget for the three years included very large expenditures, and therefore the deficit was high.
However, there is ongoing coordination between the Central Bank and the Ministry of Finance to achieve a high degree of financial stability."
He added, "The issue of removing zeros from the Iraqi currency is a project that is still ongoing and being planned, and we may hear developments regarding it in the coming period."
He pointed out that,"With the renewed proposal for the zero-removal project, which is currently being prepared, the currency denominations will be restructured in general, including the 20,000 denomination."
https://economy-news.net/content.php?id=61468
What did the IMF report say about the economic situation in Iraq?
Economy | 10/22/2025 Mawazine News - Follow-up:
The International Monetary Fund (IMF) revealed, on Wednesday, its expectations for economic growth in Iraq to increase and inflation to decrease.
The IMF stated in a report followed by Mawazine News, "After reviewing the latest report on the World Economic Outlook, the Fund expected economic growth in Iraq to increase, and inflation to decrease."
The report's data came as follows:
Gross Domestic Product (GDP) Growth:
Iraq's real GDP is expected to grow by 0.5% this year, after it was expected in April to record a contraction of 0.2%. In 2026, growth is expected to rise to 3.6%, after previous estimates indicated growth of only 1.4%.
Inflation:
Inflation estimates for 2025 were lowered from 2.5% to 1.5%, and those for 2026 were lowered from 2.7% to 2.5%.
These revisions reflect increased optimism about the recovery of the Iraqi economy and price stability compared to previous estimates. https://www.mawazin.net/Details.aspx?jimare=268915
Does Public Debt Pose A Real Threat To The National Economy? An Economist Explains
Economy | 10:07 - 10/22/2025 Mawazine News – Baghdad Economic expert, Munir Al-Obaidi, clarified the extent of the danger of internal and external debt to the Iraqi economy, indicating that the danger of the internal debt does not lie in its absolute value, but rather in its ratio to the gross domestic product. This is according to data from the Central Agency for Statistics.
Al-Obaidi said in a post reviewed by Mawazine News that “during the past few days, which witnessed widespread media coverage of the internal debt and its amount, this raised legitimate questions about whether this debt poses an actual danger to the national economy, and what is the nature of this danger, if any.
In order to understand the picture accurately, the issue must be analyzed from several interconnected angles, the first of which is the size of the debt relative to the gross domestic product.”
He added, "Iraq's GDP is around 230 trillion dinars, which makes the ratio of domestic debt to GDP around 39%, which is lower than the critical ratio of 50% set by many countries.
" He pointed out that "the concern here stems from the composition of the GDP itself, as more than 65% of it depends on the oil sector. If oil prices decline, the GDP will shrink, raising the debt-to-GDP ratio even if the debt level remains constant, which exacerbates the risk."
He continued, "One of the most prominent challenges is the high interest rates on domestic debt instruments.
Recent bonds were issued with an annual interest rate of nearly 10%, a high rate that could burden the general budget with additional expenditures, especially if oil revenues decline. Over time, the government may find itself facing a financing burden that will be difficult to sustain."
Regarding the deflationary impact on economic activity, Al-Obaidi pointed out that "government bonds represent a tool of deflationary policy. When the state resorts to borrowing from banks at high interest rates, these banks' appetite for financing productive projects decreases.
This means that the private sector will be negatively affected by the shrinking financing opportunities, limiting its ability to contribute to economic growth."
From another perspective, the economic expert explained that "the absence of investment investment opportunities for domestic debt is not a problem in and of itself if it is directed towards strategic and service projects that create added value and job opportunities.
However, when used solely to cover the operating deficit, it becomes a burden that hinders the state's ability to increase its investment spending, thus weakening the growth of the non-oil sectors that the economy needs to achieve diversification."
He concluded by saying, "Government debt has a significant impact on the banking system, as government debt rose by 116% over the course of a year, reaching 13% of total banking system assets, up from just 6% in 2024.
This rapid expansion poses risks to the soundness and sustainability of the banking system, as it increases its exposure to sovereign risks and limits its flexibility in financing other economic activities. Concerns about domestic debt are not only related to its size, but also to the nature of its use, structure, cost, and impact on the overall economic environment.
Therefore, managing domestic debt requires a comprehensive vision that takes these factors into account before embarking on any new expansion." https://www.mawazin.net/Details.aspx?jimare=268908
After Weeks Of Rising Prices, Gold Prices In Baghdad Have Fallen
Economy | 10/22/2025 Mawazine News - Baghdad: Foreign and Iraqi gold prices witnessed a noticeable decline in the local markets in the capital, Baghdad.
The prices of Gulf, Turkish and European gold in the wholesale markets on Al-Nahr Street in Baghdad, this morning, recorded a selling price of one Mithqal of 21 karat, reaching 816 thousand dinars, and a purchase price of 812 thousand dinars, after it was 848 thousand dinars yesterday, Tuesday.
The selling price of one Mithqal of 21 karat Iraqi gold was recorded at 786 thousand dinars, and the purchase price reached 782 thousand.
As for gold prices in individual goldsmiths, the selling price of one Mithqal of 21 karat Gulf gold ranged between 815 thousand and 825 thousand, while the selling price of one Mithqal of Iraqi gold ranged between 785 thousand and 795 thousand dinars. https://www.mawazin.net/Details.aspx?jimare=268914
Basra Crude Prices Rise In Line With The Global Oil Price Rally.
economy | 10/22/2025 Mawazine News - Baghdad - Basra Heavy and Basra Medium crude prices rose as global oil prices rose.
Basra Heavy crude prices rose 36 cents, or 0.60%, to $59.98, while Basra Medium crude prices rose 36 cents, or 0.59%, to $61.13.
Oil prices rose on supply risks related to sanctions and hopes for a US-China trade deal, while investors digested news that Washington was seeking to buy quantities of oil to store in its strategic reserves. https://www.mawazin.net/Details.aspx?jimare=268905
The Dollar Continues To Decline With The Closing In Baghdad
Economy | 04:22 - 10/22/2025 Mawazine News - Baghdad - The US dollar exchange rate fell in Baghdad's markets with the closing of the stock exchange.
The dollar price fell on the Al-Kifah and Al-Harithiya stock exchanges to 141,400 Iraqi dinars for every $100, after it was 141,550 dinars this morning.
Selling prices stabilized in exchange shops in Baghdad's local markets, with the selling price reaching 142,500 Iraqi dinars for every $100, while the buying price reached 140,500 dinars. https://www.mawazin.net/Details.aspx?jimare=268925
For current and reliable Iraqi news please visit: https://www.bondladyscorner.com
Seeds of Wisdom RV and Economics Updates Wednesday Evening 10-22-25
Good Evening Dinar Recaps,
Digital Gold Standard: Could the Next Global System Be Constitutional Money?
Rising gold reserves, blockchain innovation, and America’s founding law may converge in the next era of finance.
The Constitutional Foundation
The U.S. Constitution clearly defines lawful money. Article I, Section 10 states that no state shall “make any Thing but gold and silver Coin a Tender in Payment of Debts.” That provision enshrined a hard-money system meant to prevent inflationary credit creation.
Good Evening Dinar Recaps,
Digital Gold Standard: Could the Next Global System Be Constitutional Money?
Rising gold reserves, blockchain innovation, and America’s founding law may converge in the next era of finance.
The Constitutional Foundation
The U.S. Constitution clearly defines lawful money. Article I, Section 10 states that no state shall “make any Thing but gold and silver Coin a Tender in Payment of Debts.” That provision enshrined a hard-money system meant to prevent inflationary credit creation.
Yet over the past century, the U.S. has shifted from asset-backed to debt-backed currency — first through the Federal Reserve Act of 1913, then the Nixon shock of 1971, which severed the dollar’s convertibility to gold. The result is today’s fiat system, in which value rests on government credit rather than tangible assets.
If a future system were to emerge where digital dollars were backed by gold and issued through the U.S. Treasury rather than private central banks, it could technically comply with constitutional money principles — even in tokenized form.
A Quiet Return to Gold
Central banks worldwide have been steadily accumulating gold.
China, India, Russia, and Turkey all expanded their holdings dramatically in recent years.
BRICS nations have discussed a gold-linked settlement system to replace dollar-based trade.
Even European countries such as Germany and France have increased their reserves or repatriated physical bullion.
This accumulation pattern signals preparation for an era in which gold reclaims its monetary role — not as physical coins, but as digital collateral anchoring value.
The Technological Bridge
Projects by Ripple (RLUSD), the Bank for International Settlements’ Project Aurum, and the IMF’s digital asset pilots all explore tokenized reserves — digital representations of real assets such as gold, commodities, or U.S. Treasuries.
For the first time in history, gold can serve as both a store of value and medium of exchange simultaneously — with instant, borderless transfer and full auditability. Tokenization resolves the logistical barriers that once made the classical gold standard impractical in a global, digital economy.
The Emerging Architecture
Recent policy and institutional signals point to an evolving framework:
The IMF (2024) began referencing “multi-asset reserve systems.”
The BIS advocates “interoperable CBDC and stablecoin systems” backed by tangible assets.
Ripple and JPMorgan are developing cross-border payment rails built for tokenized assets.
The World Gold Council reports record-high central bank purchases through 2024–2025.
These are not isolated events. Together, they form a structural foundation for a digitally collateralized global monetary system — and potentially a constitutional return to hard money in modern form.
Why It Matters
A digital, gold-backed system would shift global finance from debt-based value to asset-based value, transforming the foundations of monetary sovereignty. It could also restore public trust in money’s integrity — the very principle embedded in the U.S. Constitution.
Whether led by governments or private networks like Ripple, this architecture suggests the next monetary reset may not dismantle the system but re-anchor it in real value.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
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Thank you Dinar Recaps
Wednesday Evening News with MarkZ. 10/22/2025
Wednesday Evening News with MarkZ. 10/22/2025
MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions
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
Wednesday Evening News with MarkZ. 10/22/2025
MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions
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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Update VND Stablizing Aginst the USD
Update VND Stablizing Aginst the USD
Edu Matrix: 10-21-2025
Summary of the VND during the last 30 days. Hold on to your VND things are changing slowly.
The global economic landscape is constantly shifting, but occasionally, a country hits a growth streak so powerful it demands attention. This week, Sandy Ingram of Edu Matrix delivered vital insight into one such nation: Vietnam.
Beyond the standard market chatter, Ingram detailed the core dynamics driving Vietnam’s economy forward, resulting in a notable strengthening of the Vietnamese Dong (VND). But first, the Edu Matrix channel offered two critical announcements reflecting the complex environment in which financial reporting operates.
Update VND Stablizing Aginst the USD
Edu Matrix: 10-21-2025
Summary of the VND during the last 30 days. Hold on to your VND things are changing slowly.
The global economic landscape is constantly shifting, but occasionally, a country hits a growth streak so powerful it demands attention. This week, Sandy Ingram of Edu Matrix delivered vital insight into one such nation: Vietnam.
Beyond the standard market chatter, Ingram detailed the core dynamics driving Vietnam’s economy forward, resulting in a notable strengthening of the Vietnamese Dong (VND). But first, the Edu Matrix channel offered two critical announcements reflecting the complex environment in which financial reporting operates.
Here is a breakdown of the key takeaways from the latest Edu Matrix video, covering both crucial channel decisions and the explosive growth fueling Vietnam’s economy.
Financial reporting requires stability and political prudence. Sandy Ingram opened the video with two crucial operational updates:
Ingram announced that Edu Matrix has temporarily paused its coverage and reporting on Iraq. This deliberate decision stems from the violent unrest surrounding the nation’s upcoming elections.
To ensure the channel maintains absolute impartiality and avoids any perception of attempting to influence a fragile political process, Edu Matrix will step back until stability returns. This move reinforces the channel’s commitment to providing objective financial information, separate from political maneuvering.
Viewers are also warned about potential short-term disruptions to video uploads. With volatile weather patterns intensifying in the Caribbean, the threat of hurricanes causing power outages is significant. Ingram emphasized that while the team strives for consistent uploads, temporary delays due to acts of nature may occur.
With the necessary housekeeping complete, the spotlight immediately shifted to Vietnam, where the confluence of strong economic indicators is creating a powerful upward trend for the currency.
For those tracking the Vietnamese Dong (VND) against the US Dollar, the direction of travel has historically been volatile or steadily weakening. That is no longer the case. The VND is showing distinct signs of strengthening, driven by a powerful trifecta of factors:
Vietnam is operating at peak performance. The nation reported a staggering 8.2% GDP increase in Quarter 3 of 2025. This level of growth places Vietnam at the forefront of emerging markets, suggesting robust industrial output, high consumer confidence, and significant foreign investment flowing into the manufacturing sectors.
Strong domestic output combined with thriving international trade has resulted in a hefty $16.8 billion trade surplus in 2025. A sustained trade surplus means Vietnam is earning significantly more foreign currency from its exports than it is spending on imports. This surplus increases the demand for the local currency (the Dong) on the global market, naturally pushing its value higher.
Overseas Vietnamese communities continue to show strong support for their homeland. In the first nine months of the year, remittance inflows reached nearly $8 billion. These funds—sent home by workers and families abroad—inject foreign currency directly into the Vietnamese economy, supporting the domestic currency’s stability and appreciation.
While the economic fundamentals are sound, the role of the State Bank of Vietnam (SBV) cannot be overstated.
Ingram noted that the SBV has been instrumental in managing this transition. By employing a flexible monetary policy, the central bank actively manages its foreign exchange reserves and intervenes in the forex market to prevent excessive weakening or volatility.
The recent move by the central bank to slightly lower its daily reference rate indicates a measured acceptance of the Dong’s weak appreciation. Commercial banks have adjusted their trading rates accordingly, confirming the shift.
Investor Takeaway: Sandy Ingram strongly encouraged viewers to consider holding onto the VND, emphasizing that it is a tradable asset on the global forex market, providing an opportunity for those looking to diversify their currency holdings.
Vietnam offers a compelling case study in focused, high-speed economic development. The combination of trade success, strong domestic production, and prudent central bank management signals a sustained period of stability and potential appreciation for the Dong.
Beyond reviewing geopolitical and economic hotspots, the Edu Matrix channel maintains a focus on accessible wealth building. For long-term investors, Ingram promoted the channel’s membership program, designed to offer affordable guidance on leveraging small, consistent monthly investments.
The core philosophy remains one of patience: harnessing the power of compound interest to grow wealth gradually and reliably over time.
For deeper analysis of Vietnam’s currency movements and the full context of these announcements, be sure to watch the full video from Edu Matrix.
https://www.youtube.com/watch?v=4sxE5Jn8ssM
https://dinarchronicles.com/2025/10/22/edu-matrix-update-vnd-stabilizing-against-the-usd/
Bruce’s Big Call Dinar Intel Tuesday Night 10-21-25
Bruce’s Big Call Dinar Intel Tuesday Night 10-21-25
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the big call tonight. it's Tuesday, October 21st and you're listening to the big call. Thanks everybody again for coming in and tuning in to us. we welcome everybody out there, all over the globe, and beyond. Thank you. So let's go ahead and pray the call in.
All right, Let's talk about where we find ourselves now from an Intel point of view. First of all, yesterday, nine in the morning, until 5 pm there was a conference call with the banks from Treasury talking to the banks from nine in the morning, five in the afternoon. What was the deal ??
Bruce’s Big Call Dinar Intel Tuesday Night 10-21-25
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the big call tonight. it's Tuesday, October 21st and you're listening to the big call. Thanks everybody again for coming in and tuning in to us. we welcome everybody out there, all over the globe, and beyond. Thank you. So let's go ahead and pray the call in.
All right, Let's talk about where we find ourselves now from an Intel point of view. First of all, yesterday, nine in the morning, until 5 pm there was a conference call with the banks from Treasury talking to the banks from nine in the morning, five in the afternoon. What was the deal ??
They were talking about Banks that had branches going away because they were not Basel 3 compliant, which they needed to be by last Wednesday, the 15th of October. That was a deadline. If you weren't compliant by then, you're out.
And so I’m sure, several banks, many banks probably that were, let's call them secondary banks, or tertiary type banks, are being removed. They weren't Basel three compliant, and some might not have been QFs compliant on the financial system, and there were some banks that had been caught shorting silver -- shortage means believing that the price of silver will go down
And it's something that happened, and I think that was something they were not supposed to do, and I think that helped to eliminate some other banks. So you're going to see a real clearing out of certain banks and certain branches as we move forward. That happened yesterday and after that - at 8:20pm - last night bond holders started to be paid out.
We found out that it was primarily what was going on internationally out of Geneva was paying certain international bond holders all day, from last night all the way through today.
Then we also found out that at 5 oclock Eastern today, that our us bond holders were to be paid out over the next four days, meaning the remaining time of today, Tuesday, Wednesday, Thursday and Friday, they'd have them all done by Friday, and I'm sure they're still a little clean up involved in that process but that's happening out of Reno.
So the international bonds were being handled out of Geneva and those are done from what I understand.
Now. Here's the thing about it, nobody gets access to their funds, until we are ready to get access to our funds.
So there's a tendency for everything to be lined up to go at the same time. Oh, and by the way, the way these bondholders were being paid out in our country, I know, starting today at five Eastern was from the largest account down to the smallest account.
So biggest, first in tier three, now tier three bond holders, from the largest account holders down to the smallest by Friday, and that's and they probably will get emails to tell them when, what day they'll have access to those funds.
Now, along those same lines, we're hearing from two or three pretty prominent sources that we should get notified for our exchanges with our 800 numbers, I'm hearing tomorrow and I'm hearing Thursday. Some are saying Thursday, some are saying Wednesday or Thursday.
You know, that's tomorrow. So you know we just never know. I know that we did not get an increase in Social Security yet this month - But there's a possibility, and that is all it is -- a possibility that on that fifth Wednesday, the 29th of this month, the additional amounts could be paid out.
However, as the regular socials went out on the first the eighth, the 15th, and tomorrow, 22nd -- there's still room for a possible final, additional social security increase on that 29th and it could be on the 29th which is a Wednesday of this month, which Be a week from tomorrow.
So we don't know absolutely that's going to be the case. We were told that it should take place in October. We've also been told that our exchanges should take place in October, this year, this this month, and this week is looking good.
We'll see what happens. You know, we do get pushed occasionally, and I think that that's just par for the course - , but it is, let me think, if there's anything else. And you know, we are still looking for a DOGE payment in combination with an R and R payment, and we're looking for the tariff dividends also, but I just don't know. I cannot know telling us go on or not for this month.
Now, the other thing that we found out today is to keep an eye out for an EAS emergency alert system or an EBS, because I believe the legacy media satellites are being taken over and controlled by our military. We'll see what happens, but it could be that we'll see very shortly about some of the media news stations and TV stations that are just have been putting out incorrect news and incorrect information for years and years now.
So we'll see what happens on that. We'll see that's a little premature, maybe, but I want you guys to be aware, to look for something if you see anything on an EBS, EAS, and it could be the beginning, or could be just the military being able to do the news more accurately and truthfully and faithfully. What is really, really happening?
Okay, so that's really what I wanted to say about all that. Tonight. We'll see what happens. I don't have a time tomorrow or on Thursday, but let's just see if we get it.
We do plan to have a call on Thursday night hopefully it’s a celebration call, but we'll have to see what happens, to make sure that we get that
And it's interesting that when was it? A few days ago, we heard a recording that President Trump put out on Truth Social about the Med Beds -
He actually brought him out, talked a little bit about it, and the next day it was taken off, I think a day or two later. And then the next time you heard about it was when the Secretary was asked questions about it, and the press secretary, and she entered and didn't deflect, but she more or less said, this is part of the transparency of the Trump administration.
Was put up, but then it was taken down, and I think that caused more interest than if it had saved us. So we are at the tip here on this what's going on with the med beds
We’ll see what happens in the next couple of days? See if tomorrow or Thursday, this whole thing opens up for us. We pray that all out, And we'll talk to you Thursday. Okay, let's keep an eye on your email.
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