Tuesday, November 4, 2025
🌐 Iraq’s Fintech on the Global Stage: QiCard at Money 20/20 USA 2025
🌐 Iraq’s Fintech on the Global Stage: QiCard at Money 20/20 USA 2025
🏦 Key Highlights:
Iraq’s Fintech Pioneer
International Smart Card (QiCard) is Iraq’s leading electronic payment solutions provider.
QiCard is showcasing Iraq’s rapidly advancing fintech sector at Money 20/20 USA 2025 in Las Vegas (Oct 26–29, 2025).
Global Recognition
The event is one of the world’s most influential fintech gatherings, bringing together over 10,000 leaders from finance, tech, and investment sectors.
QiCard represents Iraq as a source of innovation, not just a market for external solutions.
Technological Innovations
Biometric smart card systems for secure payments.
E-payment infrastructure supporting millions of users.
Financial inclusion initiatives impacting 19 million citizens and 50,000 merchants .
Human-Centered Mission
QiCard emphasizes accessibility and empathy, designing technology for students, retirees, and everyday citizens.
The company aims to build trust and digital participation across Iraq, creating a connected and inclusive economy.
Significance for Iraq
Highlights Iraq as an emerging fintech hub in the Middle East.
Demonstrates that local expertise meets global standards, showcasing Iraq’s capability to innovate and export solutions internationally.
💬 Summary:
QiCard’s participation at Money 20/20 USA signals a major milestone for Iraq’s digital economy, proving that a country historically reliant on cash is now contributing cutting-edge financial technology to the global market.
MNT GOAT: 🇺🇸 PRESIDENT TRUMP’S NEW FOREIGN POLICY FOR IRAQ: “MAKE IRAQ GREAT AGAIN” 🌍✨
🇺🇸 PRESIDENT TRUMP’S NEW FOREIGN POLICY FOR IRAQ: “MAKE IRAQ GREAT AGAIN” 🌍✨
🔥 Highlights:
🕊️ The Trump administration’s foreign policy toward Iraq is now clear — a firm stance focused on ending Iranian influence, curbing armed groups, and restoring full Iraqi sovereignty.
🇮🇶 U.S. Envoy Mark Savaya has called on Iraq to unite under one government, strengthen stability, and prosper with U.S. support.
💬 This approach echoes a bold new slogan: “MAKE IRAQ GREAT AGAIN.”
💼 Recent articles confirm that the U.S. is re-engaging economically, especially in banking reforms and energy investments — finally backing Iraq’s growth after years of neglect.
💵 CURRENCY CLARITY: FACTS OVER FICTION!
❌ There is no 1:1 in-country RV coming — and the CBI has never said there would be.
🧮 The math: under the official rate (1320 IQD per $1), removing three zeros yields a rate of ~0.75 USD per new dinar (≈75 cents).
⚖️ The purchasing power remains the same — only the note denominations and faces change.
Example:
Before → 1,000 IQD = $0.75 USD 🪙
After removing zeros → 1 IQD = $0.75 USD 💵
💬 “No change in value, just the scale.” Inflation stays low; smaller notes and coins will return to circulation.
🚫 Stop the Myths:
No “intel guru” stories.
No “secret in-country revaluation.”
No “1:1 switch overnight.”
👉 The CBI’s goal is redenomination, not sudden revaluation.
👉 The real change will come after the redenomination — when Iraq re-pegs to a new currency basket and lists on FOREX.
🙏 Final Thoughts:
Iraq is rebuilding — politically, economically, and spiritually. The alignment of the CBI, GOI, and U.S. strategymarks a powerful shift. Whether the project to remove the zeros begins now or soon, one thing is certain: Iraq is preparing for transformation.
Their words, not mine… No rumors. No hype. No opinions. Just FACTS.
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President Trump’s New Foreign Policy For Iraq:
😊 So, today we now have a really good idea what the Trump administration foreign policy is towards Iraq and the middle east in general. For Iraq we can take a look at the many articles we experienced over the last 6 months alone and piece it all together. Take a look at the most recent article titled “U.S. ENVOY LINKS IRAQ’S STABILITY TO ENDING IRANIAN INFLUENCE AND CURBING ARMED GROUPS”. All I can add to this article is that it is about time the U.S. got involved in Iraq, as far as investment goes and other important issues. “The appointment of U.S. Envoy Mark Savaya urged Iraq to unite under one government, end armed groups outside state control, resist Iranian interference, and build full sovereignty, stability, and prosperity with U.S. support. This just about sums it all up. This new strategy towards Iraq will work closely with Iraq. The new Trump foreign policy towards Iraq strategically culminates in a familiar and powerful slogan—”MAKE IRAQ GREAT AGAIN” aimed at rebuilding a strong, unified, and prosperous Iraqi state.”
😊 You might also want to refer back to an article from the October 21stNewsletter titled “BETWEEN REFORM AND DICTATE, THE CENTRAL BANK LEADS BANKS TOWARD A FINANCIAL TRANSFORMATION WITH AN AMERICAN CHARACTER.” It is in the Archives. I think that about sums it up too. Not much more to say about it. We move ahead and watch the country grow. Somewhere along the way we go to the bank.
Correction:
When I make a mistake, I admit it and then try to correct it quickly. So, in the October 28th Newsletter I need to fix the calculation as follows. The result is 75 cents not 7 cents. This of course is very good news, but in a preceding above paragraph I did state it correctly in my example using the 25k note. I have already fixed the archived version. Thanks again to one of my faithful followers who caught this.
So, again let’s do the math and see what happens to the “official” rate per dinar under 1320. The rate per dinar is .0007575 under the official CBI rate, then drop three zeros = .0007575 leaving .75 or 76 cents rounded. So, the “purchasing” power did not actually change just the currency faces and images, now lacking the three zeros. However, inadvertently the rate does actually change to 75 cents when we talk per dinar and do the math. Am I missing something? Technically the CBI will not do a “formal” rate change, but we all know there will be a change since these smaller notes have to purchase just as much as the larger ones. This is the key.
Another easy example: The purchasing power of 1000 dinars will buy the same before as after the project that the 1 dinar will buy. Both were worth 75 cents before and after removing the zeros.
1000 dinar becomes 1 dinar, both are 75 cents.
Before removing the zeros: you go out and shop for a pair of shoe laces in Iraq. Today they cost 1000 dinars per pair. That’s actually 75 cents USD. You hand the merchant a 1000 dinar note. Purchase completed. There is no way to make change, coins don’t exist. There are no 25 dinar note either worth 25 cents. This is at the root cause of any inflation they do have since the merchant just marks up the shoe laces to 1000 dinars. Even with it, inflation is very low.
After removing the zeros: you go out and buy the same pair of shoe laces and they will still cost 75 cents. No change in cost (purchasing power). You hand the merchant a 1 dinar note and he gives you a 25 cent fil coin back.
We must remember what I am saying and stop all this intel guru nonsense about a 1:1 in-country. As much as you wish it was true it simply does not make any sense from what the CBI tells us in these recent published articles to educate the citizens. To have a 1: 1 situation the CBI would first have to first RV from the “official rate” and this too they told us is NOT going to happen. Read my lips – NOT GOING TO HAPPEN!
How many times must they tell us what is going to happen before we listen?
It is all there right in front of our noses only most refuse to believe. Besides why do you even care what they do in-country? What you want to see is the nominal rate put back on FOREX when it comes out following the project of removing the zeros. It is the repegging to a new basket and off the sole peg to the US dollar that will allow for a very high rate to be announced on FOREX.
Again, they told us they do not plan to float once they remove the zeros (but will float once on FOREX). The mere fact that they talked about not doing a float in the same articles about removing the zeros told us this FACT. Are you listening? Why would they talk about removing the zeros and then talk about whether to float on FOREX. It is like mixing apples and oranges. Get it? It does not make any sense folks. They are talking in these article all about the removing the zeros ONLY. Again, they will not float while on the sole peg to the US dollar while removing the zeros and they told us this many times. How many more times must you hear it. All you intel gurus reading my blog please stop this nonsense of 1:1. Stop these rumors. What the hell does it really matter to you anyhow?
I want to mention again that they told us there would be no change to the purchasing power when they conduct this effort and there won’t be.
So, again I have to ask you as a reader of this analysis- What do you think is happening? Are they going to move ahead this time with removing the zeros or not?
We must continue our prayers for the Iraqi people and the future of Iraq. Let God’s abundance and prosperity rein down upon that nation.
https://mntgoatnewsusa.com/latest-mnt-goat-newsletter/
⚡ EXCELERATE ENERGY CEO: “OUR AGREEMENT PUTS IRAQ ON THE GLOBAL GAS MARKET MAP FOR THE FIRST TIME” 🌍🔥
⚡ EXCELERATE ENERGY CEO: “OUR AGREEMENT PUTS IRAQ ON THE GLOBAL GAS MARKET MAP FOR THE FIRST TIME” 🌍🔥
✨ Highlights:
🇺🇸 Excelerate Energy (U.S.) has officially partnered with the Iraqi government to develop Iraq’s first LNG floating terminal at Khor al-Zubair Port, Basra.
💰 Investment: $450 million — a huge step forward for Iraq’s energy diversification.
🏛️ The signing took place in Prime Minister Mohammed Shia al-Sudani’s office, attended by top U.S. and Iraqi officials, including CEO Stephen Kobus and U.S. Deputy Secretary of Energy James Danley.
💬 Kobus: “This represents a long-term commitment to Iraq’s energy future and regional stability.”
🚢 The project includes:
A floating regasification and storage vessel (Hull 3407) , one of the largest in the world,
Capacity up to 1 billion cubic feet per day,
A five-year gas supply & regasification contract (starting at 250 million cubic feet/day, expandable to 500 million).
🗓️ Commercial operations are planned to begin in 2026, after construction and permits are complete.
🔋 The project will reduce Iraq’s reliance on imported pipeline gas and boost national energy security.
🇮🇶 This partnership marks Iraq’s entry into the global gas market, attracting more American investment into its energy infrastructure.
🚀 Bottom line:
This agreement is more than just an energy deal — it’s a strategic milestone linking Iraq to global markets and strengthening ties with the U.S. 💪🇮🇶🇺🇸
👇 Stay updated with more breaking Iraq economy & energy news:
🔗 BLOG: https://dinarevaluation.blogspot.com/
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MNT GOAT: 💵 STATUS OF THE RV: FACTS, NOT RUMORS 🚫📰
💵 STATUS OF THE RV: FACTS, NOT RUMORS 🚫📰
✨ Highlights:
❌ No RV or dinar reinstatement yet! Don’t fall for “intel guru” hype or clickbait sites.
📚 The five U.S. preconditions for reinstatement remain unmet — review them in the Sept. 16 Newsletter.
💬 The “removal of zeros” project is key — once it starts, there’s no turning back. Movement is expected this month, according to CBI sources.
🏦 Liquidity crisis: Nearly 90% of issued dinars are still held outside banks. The CBI plans to incentivize citizens to deposit and exchange old notes.
💡 A recent article states the lack of liquidity “will be resolved soon” — possibly linked directly to the redenomination process. 👀
🌍 IRAQ’S WEALTH EXPLOSION — BEYOND OIL!
💎 Silica Sands: Billions of dollars under Iraq’s deserts; potential to rival oil income.
💼 Diversification Drive: Customs, tourism, and the Development Road Project are expanding revenue sources.
🇹🇷 Trade with Türkiye expected to surge to $30 billion, potentially doubling later.
⚙️ WTO integration will open new trade channels and global partnerships.
🏦 Banking Reform: The CBI and Oliver Wyman are reshaping Iraq’s banks to match global standards — the “Arab Bank” opening in Baghdad marks a turning point.
🇮🇶 Iraq is wealthy but healing from decades of corruption.
With the GOI, CBI, U.S., and China now aligned, momentum is building fast. The upcoming Nov. 11 elections will be pivotal in determining who leads Iraq’s next phase of growth — and potentially the long-awaited RV path.
👀 The question remains: When will Iraq’s wealth finally reflect in its currency?
👇 Stay tuned and follow for verified updates — FACTS, not FANTASY!
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STATUS OF THE RV
No! There is no RV or Reinstatement of the Iraqi dinar yet. Don’t let these intel gurus or internet idiots fool you with their hyped-up sites. They only want your clickity-clicks.
We don’t need rumors or bank stories. We don’t need three letter agency lies. We have FACTS and TRUTH on our side and will let them speak for themselves.
We all should now be VERY familiar with the five (5) main issues that the U.S. has stated must be completed prior to any reinstatement. In case you forgot you can go to my Archives and find the September 16th Newsletter and review. We know the removing of zeros is to be closely followed by the reinstatement, and so once it has started there is almost no turning back. So, go figure why they have not yet been given the green light.
________________________________________
Well…. I have to add that we should see come movement on the project to remove the zeros this month. Will Iraq begin the swap out of the three zero notes for the lower denominations soon? We read again in the news of the lack of liquidity in the banks as they tell us gain that nearly 90% of issues dinars is outside the banks…still. Just so you know, I was told by my CBI contact that by removing the zeros should bring most of this currency into the banks. I was also told there will be an incentive to do so. We were told in the news from the CBI in connection with the article about removing the zeros, that this issue of lack of liquidity “would be resolved soon”. Really? Folks, this was their words not mine. Why make this statement in an article about removing the zeros if these two events weren’t connected? I don’t know you tell me. One must lead to the other.
So, today’s news brings us yet another article on this subject of lack of liquidity. See article titled “FINANCIAL EXPERT: PEOPLE DO NOT TRUST BANKS AND ARE STORING THEIR MONEY AT HOME.” “Financial expert Mahmoud Daghir revealed on Sunday that the amount of cash held by the public is estimated at around 90 trillion dinars, out of a total money supply of 98 trillion dinars in Iraq”. Folks, I believe they do not want to talk much about the dinar we have outside of Iraq. It could very well amount to very close to a trillion dinars alone. How are they going to retrieve our dinars? This of course is a rhetorical question, as we all know the answer.
😊 I want to spend some time today concentrating on one article in particular. It is titled “A NEW WEALTH TO RIVAL OIL: BILLIONS OF DOLLARS BENEATH THE SANDS OF IRAQ”. Let’s break down this news and look at the impact on Iraq.
- First, we know that Iraq has to diversify and get off the sole source of oil revenues. They call this the “rentier economy”. Diversification helps create a stable economy thus STABILITY. Certainly this newly found Silica will help them in the way. But it does no good unless they can sell it and bring it to market. This takes money.
- Next, we have learned over many years other sources of revenues too such as Customs and Tariffs and how it could rival the oil revenues but only if it could be controlled and the revenues forwarded to the federal government coffers. Kurdistan just agreed to assist in this effort as part of recent the “tripartite” agreement.
- Next, we were told about the massive revenues from the tourist industry such as Holy Sites, restaurants and hotels. This too they told us can almost rival the oil revenues.
- Oh… next did I mention the Development Road Project and it’s potential, but this will take more time to develop. Just today however they announced a massive billions of investment money in this project, so it is going to move along quickly now. 😊
- Then under the tripartite agreement with Kurdistan, GOI and the oil companies, we learned the Cryan pipeline is also pumping oil again for export and we were told this oil revenue could also double the existing oil revenues. 😊
- Then, just in today’s news we learn about the silica find. Global consumption of silica sand reached approximately 479 million tons during 2024, with a value ranging between approximately $14 billion and $72 billion depending on the quality of the sand and the market price. Here the catch with this Silica. Iraq will need a developed country to step in and extract it and bring it to market. Oh… is this also something the US can do? With the Development Road Project, they will also have the means to deliver it. Oh boy, oh boy! Take a peek at the recent news in article titled “IRAQ SIGNS CONTRACTS WITH INTERNATIONAL COMPANIES REGARDING THE DEVELOPMENT ROAD”. 😊
- Take a peek at the recent article titled “TÜRKIYE EXPECTS TRADE WITH IRAQ TO RISE TO $30 BILLION”. Turkish Trade Minister Omar Polat revealed on Friday that trade with Iraq will rise to $30 billion in the medium term, against the backdrop of the “rapid expansion” of economic relations between the two countries. This amount could easily double in the coming years.😊
- The connection with the World Trade Organization (WTO) and what this too will bring to Iraq for favored trading partners. Again, oh boy, oh boy! 😊
- The Central Bank of Iraq identified several key points for the banking reform plan agreed upon with the global company “Oliver Wyman” Take a peek at the recent article titled “CENTRAL BANK: DEVELOPING A “GLOBAL” PLAN TO REFORM IRAQI BANKS IN AGREEMENT WITH OLIVER WYMAN” “Oliver Wyman”, noting that a turning point had been reached with the opening of a branch of the “Arab Bank” in Baghdad, so that banks in Iraq would be no less than the banks of the Emirates and Saudi Arabia. “so that local banks will be at a level comparable to global and regional banks.” 😊
Iraq is filthy rich but remember they suffered from many years of corruption and the lack of desire from the western powers to help them. The good news is they now have leadership from both ends of the spectrum willing to work together, the GOI, the CBI and the western power of the U.S. and even China for that matter. But what about us, yes we are long-term investors in the dinar? Yes, we helped Iraq through difficult times and so when do we get our reward?
The Government of Iraq (GOI) is faced with challenges too. The foremost challenge is the current elections on November 11th. Who will lead Iraq in these efforts. Will they switch to a bozo prime ministers again, like Nori al Maliki or Mustafa Al-Kadhim. I look at these prime ministers as “place holders” doing very little to progress Iraq while the sanctions remained in place and Iraq has to repay billions to Kuwait. Now these sanctions are over, and it is time for Iraq to blossom and it is blossoming.
We know the U.S. wants a part of this Iraqi wealth and Iraq will need a strong partner to help.
One has to wonder where the U.S. was years ago. Why didn’t they get involved sooner? If you recall I talked many times about the lack of US involvement in the Iraqi economy and asked this critical question many times. I also added back then that when the U.S. finally steps up, we will see what we have been waiting for. Now is the time. As evident from the news from Iraq and the U.S. they are now stepping up.
This is easy to understand why Iraq has not moved ahead until now, as there were incompetent U.S. presidents during these early earlier years following the 2003 independence of Iraq. They were not concerned about Iraqi progress but more concerned about filling their own pockets and the pockets of their constituents. This is how these corrupt politicians in the US work. These presidents were also Iranian sympathizers and many even believe that President Obama is a Muslim himself. So go figure why he favored passivity versus actual action in his foreign policy in the middle east, especially with Iranian issues of terrorism. If you want to keep asking what is the holdup of the RV, then go ask these former presidents. They are to blame.
https://mntgoatnewsusa.com/latest-mnt-goat-newsletter/🕵️♂️ A MYSTERIOUS VISIT & SECRET MEETINGS IN BAGHDAD 🇮🇶
🕵️♂️ A MYSTERIOUS VISIT & SECRET MEETINGS IN BAGHDAD 🇮🇶
✨ Highlights:
🔥 Mark Savaya, the special envoy of U.S. President Donald Trump, reportedly made a “secret” visit to Baghdad two days ago.
🗣️ He held closed-door meetings with several major Iraqi political leaders.
📜 Topics discussed: U.S. strategy in Iraq, American troop presence, elections, and regional alliances.
🤫 Neither the U.S. Embassy nor the Iraqi government has confirmed the visit.
👀 Speculation is swirling — could it be about rigged elections or Iranian militia influence inside Iraq?
⚡ ENERGY BREAKTHROUGH: EXCELERATE ENERGY BRINGS IRAQ TO THE GLOBAL GAS MAP 🌍
💼 U.S. company Excelerate Energy signed a $450 million agreement with Iraq to build its first LNG floating terminal at Khor al-Zubair Port (Basra).
🛳️ The terminal will use one of the largest floating regasification units in the world — capacity up to 1 billion cubic feet/day!
🔋 Expected to start operations in 2026, marking Iraq’s entry into the global gas market for the first time.
🇺🇸🤝🇮🇶 Seen as a strategic partnership between the U.S. and Iraq to boost energy security and reduce dependency on imported pipeline gas.
💬 Excelerate CEO Stephen Kobus: “This project enhances Iraq’s stability and future energy independence.”
Stay tuned — the intrigue and energy shifts in Iraq are heating up! 🔥
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💰 A NEW WEALTH TO RIVAL OIL: BILLIONS OF DOLLARS BENEATH THE SANDS OF IRAQ 🌍
💰 A NEW WEALTH TO RIVAL OIL: BILLIONS OF DOLLARS BENEATH THE SANDS OF IRAQ 🌍
✨ Highlights:
🇮🇶 Iraq is not only rich in oil — it’s also sitting on massive silica sand reserves! 🏜️
💎 Anbar Province reportedly holds 600 million discovered tons and over 1 billion tons in reserves, boasting up to 98% purity.
💵 The market price per ton: $100–$150 , meaning billions of potential revenue for Iraq’s economy.
👷♂️ Expected to create 10,000+ new jobs across two provinces.
🚂 “Choo-Choo… Oops, they said it again!” — More talk of wealth… but when will the IQD truly reflect it? 🤔
Their words, not mine!
👇 Stay connected & follow for updates:
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GOLDILOCKS: Banks Ready for Upcoming Currency Swaps – All Tests Finished @DINARREVALUATION #Iraq
Read also: Q & A WITH GINGER ABOUT HOW PEOPLE WILL RECEIVE NOTIFICATIONS AND THE PROCESS IN THE REDEMPTION CENTERS
