Friday, February 27, 2026

DINAR REVALUATION UPDATE: Bank Exchanges, ZIM Bond Appointments & Redemption Center News #iqd

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CASH HOARDED IN HOME SAFES AND LOST TRUST IN BANK VAULTS

 CASH HOARDED IN HOME SAFES AND LOST TRUST IN BANK VAULTS

At the heart of the banking confidence crisis that is hindering the spread of electronic payments in Iraq, the majority of economic transactions are still conducted in cash, while savings remain completely outside the formal banking system.

However, the average Iraqi citizen manages his daily life entirely by relying on paper money, as he withdraws his salaries in cash, pays for his purchases in cash, and keeps his savings at home away from banks.

Meanwhile, electronic payment cards have become a routine part of daily life in neighboring countries, revealing that Iraq is about twenty years behind in adopting the simplest modern financing tools.

This delay reflects “weak confidence in banks,” as observers describe it, since the huge amount of cash is hoarded inside homes and exceeds 90 trillion dinars, or about 90 percent of the total cash in circulation, according to the latest data from the Central Bank.

In addition, statistics indicate that less than 20 percent of the population has bank accounts, compared to more than 50 percent in Saudi Arabia and the UAE, where digital payments have been commonplace for years.

A Baghdad resident said via Facebook, “I prefer to keep my money at home for fear of any potential banking crisis, as past experiences do not encourage trust.” A local economic activist stated, “The sector needs radical reforms to build trust, especially with the push to end cash payments in government institutions by July 2026.” A banking source noted that “electronic transactions grew by 17.7 percent in the first quarter of 2025, but reliance on cash still prevails despite the launch of platforms such as ePassole in the Kurdistan Region.”

Despite these government efforts, the biggest challenge remains convincing citizens of the security of the digital system amid fears of losing or freezing deposits.

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ARIEL: 🚨 IQD “Under the Radar” Claims: 1,310 to 1–3 IQD/USD? Gold-Backed Reset & Domestic Shock Scenario Explained

 What’s “Under the Radar” in Iraq? Analyzing the 1–3 IQD/USD Revaluation Claim

A circulating post attributed to “Ariel” outlines a dramatic scenario:

  • Exchange rate reset from ~1,310 IQD/USD to 1–3 IQD per USD

  • Backed by 145+ tons of gold reserves

  • Supported by oil priced at $80–90 per barrel

  • Massive domestic liquidity surge

  • Banking system stress

  • Political shake-up targeting Iranian influence

These are extraordinary claims. Let’s examine them through economic logic and central banking mechanics.

The official authority responsible for Iraq’s exchange rate is the Central Bank of Iraq.

💱 Claim: Reset from 1,310 IQD/USD to 1–3 IQD/USD

This would represent a revaluation of approximately:

  • 400× to 1,300× increase in value

For comparison:

  • Modern currency revaluations rarely exceed single-digit percentage adjustments.

  • A 400× overnight appreciation would be historically unprecedented in contemporary monetary systems.

Such a shift would:

  • Instantly multiply the purchasing power of every dinar holder

  • Collapse Iraq’s export competitiveness

  • Disrupt trade contracts

  • Trigger global forex volatility

No central bank has executed a move of this magnitude in modern floating or managed currency regimes.

🪙 Gold Backing: 145+ Tons Argument

Iraq does hold gold reserves. However:

Gold reserves function as:

  • Balance sheet stabilizers

  • Confidence anchors

  • Collateral buffers

They do not directly determine a fixed exchange rate in a modern managed currency system.

To back a 400× rate increase, Iraq would need:

  • Monetary base contraction

  • Massive redenomination

  • Structured capital controls

  • External trade recalibration

Gold alone cannot sustain that scale of currency appreciation without deep structural redesign.

🛢 Oil Revenue as Exchange Rate Support?

Oil priced at $80–90 per barrel certainly strengthens Iraq’s fiscal position. However:

Oil revenue:

  • Supports budget spending

  • Builds foreign reserves

  • Improves balance of payments

It does not automatically justify parity with the U.S. dollar.

Even major oil exporters like:

  • Saudi Arabia

  • Norway

Maintain carefully managed currency structures rather than hyper-revaluation events.

🏦 “Hyper-Liquidity Surge” Scenario

The claim suggests:

Purchasing power multiplies 400–1,300× overnight.

If this occurred:

  • Imports would become ultra-cheap

  • Domestic production would collapse

  • Inflation would likely spike due to demand shock

  • Government price controls would become necessary

Paradoxically, such a dramatic gain in currency value could destabilize internal markets rather than strengthen them.

💳 Banking System Overload & ATM Dry-Up?

A sudden 400× rate shift would create:

  • Immediate deposit revaluation issues

  • Contract renegotiations

  • Foreign debt repricing

  • Settlement confusion

Modern central banks avoid this by:

  • Gradual appreciation

  • Managed float adjustments

  • Controlled redenomination

  • Phased currency restructuring

There is currently no official confirmation that the CBI is launching a blockchain monetary layer tied to such an event.

📈 Inflation Spike Then Stabilization?

In reality, a sharp currency appreciation typically reduces import inflation. However:

If purchasing power multiplies instantly:

  • Consumer demand spikes

  • Asset bubbles form

  • Real estate surges

  • Speculative behavior accelerates

Stability would require extreme monetary discipline.

🏛 Political “Earthquake” & Proxy Removal

The post suggests political consequences involving:

  • Mohammed Shia' Al-Sudani

  • Removal of Iranian-linked proxies

While political reform and financial reform can intersect, exchange rate policy remains under the Central Bank of Iraq, not political factions directly.

Monetary policy decisions are technical and macroeconomic — not symbolic resets.

🔎 Featured Snippets 

Could Iraq revalue from 1,310 IQD to 1–3 IQD per USD?

Such a 400× revaluation would be unprecedented in modern monetary history and would require massive structural reform.

Does gold backing guarantee a currency reset?

No. Gold reserves support balance sheet strength but do not automatically determine exchange rate value.

Would citizens become instantly wealthy after a 400× revaluation?

In theory, local purchasing power would rise dramatically, but severe economic distortions would likely follow.

Can a central bank raise a currency 1,000× overnight?

No modern central bank has executed an appreciation of that magnitude in a managed global system.

📊 Economic Reality Check

For Iraq to move from 1,310 to 1–3 IQD/USD, it would need:

  • Full redenomination (removing zeros)

  • Controlled monetary base contraction

  • Coordinated global banking transition

  • IMF-aligned structural reform

  • Formal international notification

Such a transformation would not occur covertly or “under the radar.”

❓ Q&A Section

Q: Is there official confirmation of a 1–3 IQD/USD rate?

No official statement from the Central Bank of Iraq confirms this.

Q: Does Iraq have significant gold reserves?

Yes, but gold reserves alone cannot justify a 400× exchange rate shift.

Q: Would inflation explode after such a revaluation?

Likely yes — due to sudden demand shock and asset speculation.

Q: Can oil revenue alone support dollar parity?

No. Exchange rate structures depend on monetary supply, reserves, trade balances, and macro policy — not just oil pricing.

📌 Final Perspective

Extraordinary financial transformations require:

  • Transparent policy communication

  • Coordinated international banking alignment

  • Legal frameworks

  • Monetary restructuring

A sudden 400× currency reset backed solely by gold and oil would contradict modern central banking practice.

Until official statements are issued by the Central Bank of Iraq, such projections remain speculative.

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ARIEL: 

What is Going on Under the Radar (IQD-Update)

So I have something that was sent to me regarding some covert operations involving the C***l and possible contingencies they have in place for an Iran strike. This is from someone who apparently 1st posted this on Discord.

The IQD Revaluation Economic Effects

Immediate Domestic Effects Inside Iraq (First 30–90 Days)

Exchange rate resets from ~1,310 IQD/USD to a targeted range of 1–3 IQD/USD (pre-1991 parity zone), backed by 145+ tons of gold reserves + proven oil at $80–90/barrel.

Hyper-liquidity surge: domestic purchasing power multiplies 400–1,300× overnight for citizens holding physical dinar or CBI accounts. Consumer spending explodes cars, real estate, imported goods flood in.

Banking system overload: ATMs dry up in days, physical cash shortages force emergency printing of new lower-denomination notes while digital platforms (CBI’s new blockchain layer) come online.

Inflation spike then stabilization: prices for food, fuel, housing double–triple in first month before CBI rate controls and gold backing cap runaway effects.

Wealth redistribution: middle-class and returning diaspora become instant millionaires in local terms; old Ba’athist and militia-linked families who hoarded dollars lose relative power.

Political earthquake: PM al-Sudani’s government faces immediate pressure to purge Iranian proxies from ministries as public demands accountability for past theft.


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WALKINGSTICK: this will be all done by the end of the 2nd quarter!! #iraqidinar #iqd

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ECONOMIC RECESSION: EROSION OF PURCHASING POWER DEEPENS THE CRISIS IN IRAQI MARKETS

 ECONOMIC RECESSION: EROSION OF PURCHASING POWER DEEPENS THE CRISIS IN IRAQI MARKETS

Due to the ongoing economic recession, Iraqi citizens are suffering from the erosion of their purchasing power, which has led them to prefer adopting a conservative spending behavior.

Today, Iraqis are facing an unfamiliar economic scene: houses for sale with no buyers, car showrooms crowded with onlookers but devoid of buying and selling deals, and prices moving faster than people can keep up with them!

Fluctuations in the dollar exchange rate, jumps in the price of gold, delays in salaries, and severe economic and living crises looming on the horizon, all these factors have combined to freeze buying and selling activity in important markets.

Citizens today are adopting a more conservative spending pattern, driven by concerns about economic instability and fluctuating incomes. They are forced to postpone major purchasing decisions, such as buying cars or real estate, or entering into long-term financial commitments.

This trend reflects a prevailing sense of anticipation and caution in the market. There is a preference for holding cash rather than investing it in costly purchases or investments, in anticipation of any unforeseen economic developments.

The Baghdad Provincial Council had attributed the stagnation of the real estate market in the capital to the high amounts of fines and taxes on subdivided houses, indicating during December 2025 that recommendations were nearing completion that included reducing the fine for subdividing houses from five million to 250 or 500 thousand dinars, as well as imposing the tax on the sold area only and not on the entire original plot of land, in an attempt to address this stagnation.

Waiting for the dollar to stabilize

Citizen Abu Ahmed says in a press interview that he put his house up for sale more than four months ago due to financial circumstances, and to this day no serious buyer has come forward. He added in a press interview that everyone who asks about the house backs down when they know the price, or says they are waiting until the dollar prices stabilize.

He points out that in the past, a house would not remain on display for more than a month, but today the market is almost at a standstill.

An ill-advised gamble

Experts attribute this stagnation to the fluctuating exchange rate of the dollar against the Iraqi currency, and the high price of gold, which makes buying and selling real estate and cars an uncalculated gamble.

In this regard, economist Mustafa Faraj says, “There is a direct relationship between the price of gold and the dollar. Gold is a metal priced in dollars, and if the price of the dollar falls, the price of gold rises, and vice versa.”

He then explains that “Iraq is a rentier state and relies heavily on imports. Therefore, it is directly affected by the price of the dollar, especially in the field of cars, which are imported using hard currency,” adding that “the same applies to house prices. The dollar has a significant influence on the Iraqi market.”

He continues, saying that “real estate sales are currently experiencing a recession, which will continue in the coming period,” noting that “the situation of the Iraqi economy is difficult, due to a shortage of financial liquidity, which leads to delays in paying the salaries of state employees.”

According to Faraj, “Many people have resorted to investing in gold in light of the current geopolitical situation in the region. This has led to a surge in demand for gold, which has contributed to its price increase. In addition, there is a lack of trust among citizens in government banks. The fear of keeping money in banks pushes citizens to invest it in gold.”

Paralysis of buying and selling

Real estate office owners and car dealerships also complain of the stagnation and paralysis that has affected their businesses in the past period.

Radwan Al-Yassiri, owner of a car showroom in the Al-Bayaa area of ​​Baghdad, confirms that he and his colleagues are suffering from an almost complete halt in car sales operations, noting in a press interview that “the direct sales area used to witness heavy congestion on Fridays, and the car market would be at its peak activity, but in recent weeks there have been very few sales and purchases.”

He adds that “the decline in car sales and purchases is linked to several factors, including the weak purchasing power of citizens, increased inflation, as well as the high customs duties imposed on car imports, the ban on importing cars that do not conform to specifications, in addition to the fluctuation of dollar exchange rates,” noting that “all these reasons have led to higher car prices, and made citizens hesitant to sell or buy them.”

He notes that “citizens are no longer buying new cars as they used to. Sales have dropped to near zero, and consumers have turned to buying used cars.”

Real estate agents who buy, sell, and rent properties face similar difficulties to those of showroom owners. Abdul Hassan Kadhim, a real estate agent in Baghdad’s Jihad neighborhood, says that the last house sale through his office was more than two months ago.

In a press interview, he explains that his current activity is limited to renting houses and organizing rental contracts, indicating that the fluctuation in the dollar exchange rate and the weakness of purchasing power are behind the stagnation of various sectors at the present time.

Erosion of purchasing power

According to specialists, the current stagnation in buying and selling in the real estate and automotive sectors is not a passing event, but may be a long-term indicator of a decline in the local economy.

Khaled Al-Jabri, head of the “Usul Foundation” for Economic Development, says that “what the economy is witnessing today is not a passing slowdown, but rather an actual contraction in demand, resulting from the erosion of the citizen’s purchasing power due to the delay in salaries, the increase in customs duties, and the stagnation of liquidity in .

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🚨 Bruce “The Big Call” Intel: $5,000 Tariff Dividend, Tier4b Notifications & Iraq Border Closure — Fact Check & Analysis

 Bruce “The Big Call” Claims: Major RV Events Set for March 2–3, 2026?

In the latest update attributed to Bruce of The Big Call, several bold claims were presented, including:

  • A $5,000 monthly “Tariff Dividend” for all U.S. citizens age 18+

  • Tier4b notification rollout by March 2, 2026

  • Currency exchanges beginning March 3, 2026

  • Iraq sealing its borders until exchanges begin

  • The Vietnamese Dong rate rising “a couple dollars”

  • A Dinar contract rate tied to one barrel of oil at Redemption Centers

Let’s break this down carefully and separate structured analysis from speculation.

💵 $5,000 Monthly “Tariff Dividend” for 3 Years?

The claim states that a source inside the United States Department of the Treasury indicated:

All U.S. citizens age 18+ will receive $5,000 per month for three years, beginning March 3, 2026.

As of now:

  • There has been no official announcement from the Treasury.

  • No legislation authorizing such payments has been publicly passed.

  • No confirmation exists from Congress or the Executive Branch.

For a program of this magnitude, it would require:

  • Congressional approval

  • Budget allocation

  • Public policy documentation

  • Official Treasury disbursement procedures

Without those elements, this remains unverified commentary.

📲 Tier4b Notifications & Exchange Appointments

The update suggests:

  • Tier4b (Internet Group) notifications by Monday, March 2

  • Exchanges starting Tuesday, March 3

  • Zim bond redemptions included

The term “Tier4b” is not recognized by:

  • The U.S. Department of the Treasury

  • The Federal Reserve

  • The Central Bank of Iraq

Additionally, no major financial institution has publicly acknowledged:

🇮🇶 Did Iraq Seal Its Borders?

The claim states that Iraq sealed its borders on February 25, 2026, to prevent money from entering or leaving the country until exchanges begin.

Border closures for monetary reform would typically involve:

  • Official government announcements

  • Public security statements

  • Coverage from recognized Iraqi media

  • Confirmation from the Iraqi Ministry of Interior

No verified public documentation confirms such a closure tied to currency exchanges.

💱 Vietnamese Dong Rate Increase?

The post claims the Vietnamese Dong has risen “another couple of dollars.”

The official currency authority is the  State Bank of Vietnam.

A multi-dollar move in the Vietnamese Dong exchange rate would:

  • Represent an unprecedented percentage increase

  • Trigger global FOREX market volatility

  • Be immediately reported by financial news outlets

No confirmed FOREX data currently supports that claim.

🛢 Contract Rate Tied to a Barrel of Oil?

Another major claim:

The Dinar contract rate is tied to one barrel of oil price in Iraq.

The exchange rate of the Iraqi dinar is determined by the Central Bank of Iraq, based on:

  • Monetary policy

  • Foreign reserves

  • Trade balances

  • Inflation metrics

  • Peg or managed float structure

Oil revenue impacts national income — but there is no official mechanism publicly tying one dinar to the price of a single oil barrel in a direct redemption formula.

🏦 Redemption Centers vs. Banks

The post again references “Redemption Centers.”

However:

  • No formal government registry of such centers exists

  • No official Treasury publication validates this structure

  • Banks handle foreign currency exchange under regulatory oversight

Investors should verify all exchange procedures through recognized financial institutions.

🔎 Featured Snippets 

Is the U.S. Treasury issuing $5,000 monthly tariff dividends?

There is no official confirmation or legislation authorizing a $5,000 monthly tariff dividend for U.S. citizens.

Are Tier4b exchange notifications confirmed?

No recognized financial authority has confirmed a Tier4b notification system.

Did Iraq close its borders for currency exchanges?

There is no verified public confirmation linking any Iraqi border closure to currency exchange events.

Is the Iraqi dinar tied to oil prices per barrel?

While oil revenue supports Iraq’s economy, the exchange rate is set by the Central Bank of Iraq and not directly pegged to one barrel of oil per dinar.

⚠️ Important Considerations

Claims involving:

  • Exact payout dates

  • Guaranteed dividends

  • Secret exchange tiers

  • Contract oil-based rates

  • Border closures tied to currency release

Require official documentation to validate.

Extraordinary financial events of this scale would:

  • Be covered by global media

  • Trigger financial market reactions

  • Require legislative approval

  • Be announced by central authorities

❓ Q&A Section

Q: Should I expect $5,000 monthly payments starting March 3, 2026?

There is no verified public confirmation of such payments.

Q: Are Zim bond redemptions officially scheduled?

No recognized financial authority has confirmed Zim bond redemption programs.

Q: Can a currency rate jump by several dollars overnight?

Major multi-dollar increases in sovereign currencies are extremely rare and would cause immediate global market reaction.

Q: Where should exchanges occur if a currency revalues?

Through recognized, regulated banking institutions.

📌 Final Thoughts

The claims presented are bold and specific, including exact dates and payment amounts. However:

  • No official confirmation supports them at this time

  • No government documentation validates them

  • No global financial reporting corroborates them

Investors should prioritize:

  • Official central bank statements

  • Verified financial news sources

  • Regulatory confirmations

Speculation spreads quickly — verification protects capital.

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Bruce, The Big Call 

A source inside the US Treasury indicated all US Citizens age 18 and older were going to get a $5,000 Tariff dividend each month for three years for the Tariff dividend. That will be mirrored into our bank accounts by Tues. 3 March 2026.

Notification for Tier4b (Us, the Internet Group) to obtain appointments to exchange foreign currencies and Zim Bonds will come by Mon. 2 March 2026, with exchanges started by Tues. 3 March 2026.

Yesterday Wed. 25 Feb. 2026 Iraq sealed their borders (so money would not come in or out of Iraq) until the exchanges get going on Tues. 3 March 2026.

The Dong rate has gone up another couple of dollars. Contract Rate for the Dinar can be obtained at a Redemption Center and is tied to one barrel of oil price in Iraq.


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JEFF: We're all going to have 90 days to turn in our notes !! ‪@DINARREVALUATION‬ #iraqidinarinvestor

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DINAR REVALUATION UPDATE: Bank Exchanges, ZIM Bond Appointments & Redemption Center News #iqd

Read also: Dr. Tom Update: " ALL ZIM DENOMINATIONS WILL BE ACCEPTED FOR REDEMPTION"