Monday, December 29, 2025

FRANK26….12-29-25…….THE THREE

A SENIOR US EMBASSY OFFICIAL: FORMING THE NEW GOVERNMENT IS AN IRAQI DECISION

A SENIOR US EMBASSY OFFICIAL: FORMING THE NEW GOVERNMENT IS AN IRAQI DECISION

The chargé d’affaires confirmed in US Embassy I have Baghdad, Joshua Harris on Thursday, that America remains concerned about irregular financial transactions. Legitimacy inside Iraq, there are no new decisions regarding this matter.

The chargé d’affaires told Alsumaria News in an exclusive statement that Iraqi partners affirm their non-interference and their commitment to not dragging the country into the ongoing conflict in the region, and to maintaining security within its borders, noting that America it works to increase the activity of American companies within Iraq according to the principle of mutual exchange with Baghdad.

He continued, stating that leading 

American companies are actively working with Iraqi partners, which will lead to mutually beneficial partnerships. He emphasized that America is not seeking a new conflict, and its vision for the future is peace in Iraq and throughout the world.

He added that Iraqi leaders understand that including factions in the new government is incompatible with the partnership between Baghdad and Washington.

Regarding the possibility of taking escalatory measures against the factions, the Chargé d’Affaires stressed, “ We encourage Iraqi state regarding the dismantling of factions, he stated that America will defend itself and its interests in Iraq,” indicating that the decision regarding the form of the new government is purely American.

Concerning the lifting of US sanctions on Iraqi banks, he explained that America remains concerned about illicit financial transactions. Legitimacy within Iraq, there are no new decisions regarding this matter.

Regarding the issue of arming and equipping air defense systems…Kurdistan Region. He stated that America is deeply committed to Iraqi sovereignty and to condemning all threats to the country’s security. He added that they are working with their partners in Baghdad and Kurdistan to find ways to protect infrastructure, but he would not go into military details at this time. He further stated that they are demanding that the governments of Baghdad and the Kurdistan Region quickly hold those responsible for the attack on the Kor Mor gas field accountable.


MarkZ Highlights: Market Stress, Silver Suppression, and Iraq’s Push Toward 2026

Introduction: A High-Stress Moment Across Markets and Geopolitics

Recent PDK / MarkZ community highlights point to an unusually intense convergence of events: emergency banking meetingsprecious metals volatilitygeopolitical signals, and accelerating political activity in Iraq.

While opinions vary and no dates are guaranteed, the discussion reflects 

rising global stress within financial systemsand heightened expectations around early 2026, particularly regarding Iraq’s legislative and international posture.

Important Disclaimer (MarkZ):
Everything shared represents opinion and discussion highlights, not financial advice. Always consult a qualified professional before making financial decisions.


Emergency Meetings and Market Intervention: What’s Being Discussed

Banking and Central Authority Coordination

According to MarkZ, emergency meetings reportedly took place involving:

  • Bankers

  • The Federal Reserve

  • European counterparts

The timing and urgency suggest coordinated responses to market pressure.

Why This Matters

Emergency coordination typically signals:

  • Systemic stress

  • Liquidity concerns

  • Short-position risk exposure

MarkZ notes that whatever actions were taken appear to have temporarily suppressed precious metal prices—particularly silver.


Silver Volatility and Suppression Claims

Key Observations from the Community

  • Reports of silver spiking intraday before being pushed down

  • Divergence between paper prices and physical prices, especially in Asia

  • Claims that Shanghai pricing remained elevated relative to Western markets

Strategic Metal Narrative

China’s actions were highlighted as:

  • Restricting silver exports

  • Treating silver as a strategic resource

Mexico was also mentioned as halting certain silver-related deals, reinforcing the idea of tightening physical supply.


Paper Markets vs. Physical Markets

A recurring theme was the contrast between:

  • Paper derivatives markets (COMEX, CME)

  • Physical metal availability in Asia

Late-night coordination calls among market regulators were cited as evidence that volatility risks were recognized in advance.


Banking System Stress and Fiat Concerns

MarkZ framed the situation as one of mounting anxiety within traditional banking systems:

  • Margin calls on short positions

  • Pressure on liquidity

  • Attempts to “plug holes” in a weakening system

Historical patterns were referenced, suggesting that precious metals often retain value during early stages of fiat system resets, before later repricing.


Iraq in Focus: Political Acceleration and Legislative Deadlines

Government Formation and Parliamentary Action

MarkZ emphasized rapid developments in Iraq:

  • Members of Parliament arriving to take oaths

  • Election of parliamentary leadership

  • Push to complete key legislation before January 1

These steps point to institutional urgency as Iraq prepares for the next phase.


HCL Law and January 1st Attention

Community members highlighted the Hydrocarbon Law (HCL) as a major priority, with many MPs reportedly racing to finalize it.

Why HCL Matters

  • Revenue-sharing clarity

  • Investor confidence

  • Legal foundation for broader reforms

Although expectations are high, MarkZ cautioned against panic if immediate outcomes are not visible.


Early 2026 Expectations: Optimism With Caution

MarkZ expressed agreement with commentary suggesting:

  • Normalization rather than sudden change

  • Alignment with earlier CBI-focused analysis

  • A broader global pattern of currency and system adjustments around 2026

However, he clearly stated:

  • He does not set dates

  • Lack of immediate change does not equal failure


Featured Snippet 

Why are markets watching Iraq and precious metals heading into 2026?

Analysts and commentators point to rising banking stress, emergency market coordination, tightening physical metal supply, and accelerated political reforms in Iraq as signals of broader systemic transitions expected around early 2026.


Community Questions and Commentary (Contextualized)

Topics raised included:

  • Bank stability during fiat stress

  • Blockchain and digital systems

  • Tax changes affecting precious metals

  • Bond market silence as a potential indicator

MarkZ consistently emphasized observation over assumption.


Q&A: PDK / MarkZ Highlights Explained

Q: Are banks about to collapse?

A: No official confirmation exists. Discussions focus on stress signals, not certainties.

Q: Is silver being suppressed?

A: Claims center on paper markets versus physical pricing, particularly in Asia.

Q: Will Iraq have a new exchange rate on January 1?

A: No official confirmation. Expectations exist, but patience is advised.

Q: What should observers do if nothing happens immediately?

A: Stay calm and continue tracking verified developments.


Key Takeaways

  • Emergency financial coordination suggests elevated stress

  • Precious metals remain a focal point of concern

  • Iraq is moving quickly on governance and legislation

  • Early 2026 is a widely discussed timeframe—but not guaranteed


Conclusion: Watch the Structure, Not the Noise

The PDK / MarkZ highlights reflect heightened global tensionmarket fragility, and accelerated political action in Iraq. While enthusiasm is understandable, the most reliable approach remains discipline, context, and verification.

Transitions of this scale are rarely linear—and almost never announced in advance.


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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: Great Morning Mark, Mods and Z Family

Member: 3 day count down to 2026!!! Hello everyone

Member: Saw several youtube videos on sliver. Someone is desperately trying to hold silver down. What are you hearing Mark?

MZ: Emergency meetings yesterday between bankers, the Federal Reserve, Europeans …..a huge meeting , a emergency meeting. All hands on deck around 4PM est yesterday afternoon. Whatever they put into play is obviously suppressing metal prices for now. But they cannot affect physical prices in Aisa right now. 

MZ: This is getting wild…buckle up. 

Member: Silver hit $81.50 at 1:30 (PST) yesterday and has been suppressed ever since. 

MZ: Imagine being a banker right now…You know emergency meetings are going on….you know all you shorts are being called…..you know the world is going to crap…..you know the system is crumbling unless they miraculously find more fingers to plug the holes in the dyke. ….but they know their days are numbered. I can only imagine the anxiety they all have. 

Member: Crash the Banks …..Bring on Blockchain and QFS

Member: COMEX, CME and the CFTC had a 1:34 am call on Christmas Eve! They SAW what was coming!!!

Member: I think Shanghai is still trading at $89 so what does that tell you

MZ: You can see what China has done to keep silver from fleeing the country. It is a strategic metal. 

Member: China starting to restrict international sales on silver

Member: Mexico stopped the Samsung silver deal & several others ... no Silver leaving Mexico

Member: I see this as the dip u talked bout mark last ditch to hold it down an then big run

Member: Hey Mark -Washington state is putting a ten percent tax on silver , starting the beginning of the year

Member: Will silver collapse the banks and fiat currency ….What will a bank failure look like?

MZ: I think they will try to keep it as quiet as they can. Many times in a collapse metal prices survive for awhile as they adjust. Lynette Zang did a good video on this. The question is -When did it begin?” Usually when fiat is resetting and collapsing there is about a 9 month period where metals retain before prices come down. Are we at the beginning of that or half way through it. 

MZ: Lynette Zang and What Typically happens and how often we see resets  https://www.youtube.com/watch?v=KZioQ3_MFCs&t=13s

Member: (from Dinar Guru) Mnt Goat  There is so much real optimism and VERY GOOD news for Iraq and yet there is still lots of propaganda news... As investors in the Iraqi dinar, we need to hear optimistic and truthful news and it is all optimistic let there be no mistake about it...There is much more evidence than not that everything is pointing to early 2026 for them to normalize the dinar and place it back on FOREX to trade...I...can only rely on what my contact in the CBI along with the articles were telling us. They are telling us NOW IS THE TIME!

MZ: I agree 100% with that one. 

Member: Frank26 thinks the rate of 1310 will expire on Dec 31st!

Member: Everyone!!! The 29th is setting up the new Govt and perhaps initiating the most important Laws in Iraq. Aka HCL Law. This all goes into affect on 1/1/26. Watching the first few days of 26 for the new rate!

Member: Syria is releasing new currency on Jan. 1

Member: Think about the countries that openly state new currency values coming January 1,2026

MZ: This is the focus in Iraq: “Al Sudani discusses with the deputies of the Ministry of Reconstruction and Development the preparation for the next legislative phase” They are in meetings this morning and trying to seat the new government. 

MZ: “ MP’s (Ministers of Parliament) Start to arrive to take the oath of office and elect the presidency of the Parliament” they are pounding things out. “The Speaker of the Parliament and his two deputies will be elected today and there is no extension of the session”

Member: Officially, Parliament elects Adnan Faihan as First Deputy Speaker of the Council

MZ: Many members of Parliament are in a mad dash to finish HCL by Jan 1st. I am very encouraged with what we are seeing in Iraq right now. 

Member: It is obvious that January 1st will be the day Iraq goes fully international with a new rate!!! 3 more days brother!!!!!!3 MORE DAYS!!!!

MZ: On the bond side its still quiet. This is usual for a Monday morning. 

Member: Are we still going to be able to choose humanitarian projects from a list when we exchange?

MZ: I am being told yes….but don’t think we will know for sure until we exchange. 

Member: I believe we will see the RV in the very first quarter of 2026

MZ: Many people believe that….but if we wake up Jan 1 with no new rate yet- Don’t panic….It’s coming. 

Member: Have a great day everyone….. Won’t be long before we start off a new and wonderful year!



MARKZ: “RV COUNTDOWN ACTIVATED — BIG MOVES UNFOLDING THIS AUGUST!” ⏳🚀🔥 #...

PROS AND CONS OF US EXCLUDING IRAQ FROM THE NATIONAL SECURITY STRATEGY

 PROS AND CONS OF US EXCLUDING IRAQ FROM THE NATIONAL SECURITY STRATEGY

Once a central focus of US Middle East security strategies, Iraq was notably absent from the latest National Security Strategy released by the administration of President Donald Trump.

Safwan Al-Amin, non-resident fellow in the Iraq program at the Atlantic Council, said this factor “reflects several things.” Speaking to Shafaq News, he noted that the first reflection is that “Iraq is clearly not on the administration’s priority list in the region.” So far, he added, “the opportunities that Iraq presents for the US have not been well-defined.”

But more positively, he noticed that this “also shows that Iraq no longer presents a significant threat to US interests in the region, to the point where it needed to be added to the NSS.”

Al-Amin noted that “the administration’s apportionments that would be responsible for coordinating and making policy in relation to Iraq have been delayed, and the team is just beginning to take shape now.” The administration of US President Donald Trump has unveiled its 2025 National Security Strategy, outlining the foreign-policy and defense priorities that will guide Washington in the coming years.

Branded under the slogan “America First,” the document not only declares an end to the era of military interventions and regime-change campaigns, but also introduces an entirely new framework for the Middle East.

10 Key Statements from the Central Bank of Iraq About the Iraqi Dinar in 2025

Introduction: Why 2025 Was a Defining Year for the Iraqi Dinar

In 2025, the Central Bank of Iraq (CBI) issued a series of official statements that collectively provide one of the clearest pictures yet of Iraq’s monetary direction. Rather than speculation, these updates reflect measurable reforms, policy clarity, and institutional intent.

This article summarizes 10 key moments from the CBI in 2025 that directly impact the Iraqi dinar (IQD), financial stability, digital banking, and investor confidence.


1. February 19: One of the World’s Most Monitored Dollar Systems

Following meetings with the U.S. Treasury and Federal Reserve in Dubai, the CBI announced that Iraq’s dollar distribution system is now considered among the most monitored and controlled globally

.

Key Impacts

  • Limits currency manipulation

  • Reduces illicit dollar outflows

  • Aligns with international banking standards

The CBI also urged the public to rely solely on official sources and warned against misinformation.


2. February 27: Cash Transactions Will Gradually Decline

CBI Governor Ali Mohsen Al-Allaq highlighted rapid progress in digital payments.

Major Achievements

  • Financial inclusion doubled from 20% to 40% in two years

  • Expansion of ATMs and e-wallets

  • Adoption of internationally accredited banking systems

Banks are transitioning into smart digital platforms, including plans for digital financial identities.


3. May 8: Official List of Banks for Dollar Purchases

The CBI announced that Iraqi pilgrims can legally purchase U.S. dollars through designated banks and approved companies across Baghdad and other provinces.

Why This Matters

  • Reduces black-market dependency

  • Enhances transparency

  • Reinforces controlled currency access


4. September 4: Inter-Wallet Transfers Launched

The CBI launched inter-wallet money transfer services, allowing faster and more flexible transactions.

Benefits

  • Supports digital transformation

  • Enhances financial inclusion

  • Strengthens business operations

  • Improves liquidity movement

This was described as a qualitative leap in Iraq’s financial system.


5. November 19: Investment Department Supports Exchange Rate Stability

The CBI clarified the role of its Investment Department, emphasizing its mission to:

  • Maintain confidence in the dinar

  • Support exchange rate stability

  • Manage monetary assets responsibly

This statement reinforced the CBI’s long-term stabilization strategy.


6. November 21: New Instructions for Exchanging Dinars

The Central Bank issued detailed regulations for:

  • Trading banknotes

  • Replacing damaged currency

  • Identifying fit vs. unfit notes

  • Sorting and counting procedures

This update improves currency quality control and trust.


7. November 24: Firm Denial of Exchange Rate Changes

The CBI categorically denied any plans to modify the exchange rate.

Official Position

  • Rumors are aimed at market disruption

  • No intention to change the IQD rate

  • Stability remains the priority

This statement directly countered speculative narratives.


8. December 2: Digital Dinar Under Development

Governor Al-Allaq confirmed that:

  • The digital dinar project is underway

  • Launch requires time and infrastructure

  • Exchange rates should not be used to fix fiscal gaps

He warned that devaluation would:

  • Harm low-income citizens

  • Erode confidence in the dinar


9. December 17: Currency Supply Reduced by 5.5%

The CBI reported a 5.5% reduction in issued currency during Q3 2025:

  • 2024: 104,127 billion IQD

  • 2025: 99,681 billion IQD

Why This Is Important

  • Reduces inflationary pressure

  • Improves monetary control

  • Signals disciplined currency management


10. December 18: Inflation Falls to Historic Lows

The CBI announced that inflation dropped to -0.8% in Q3 2025, compared to 3.5% in Q3 2024.

Implications

  • Strong purchasing power

  • Effective monetary policy

  • Increased economic confidence


Featured Snippet 

What did the Central Bank of Iraq say about the Iraqi dinar in 2025?
In 2025, the CBI emphasized currency stability, denied any exchange rate changes, reduced money supply, expanded digital banking, launched inter-wallet transfers, and reported historically low inflation, signaling strong monetary control.


Q&A: Iraqi Dinar and CBI Policy in 2025

Q: Did the CBI change the exchange rate in 2025?

A: No. The CBI explicitly denied any intention to alter the exchange rate.

Q: Is Iraq moving toward digital currency?

A: Yes. The digital dinar is under development, pending infrastructure readiness.

Q: Why is reducing currency supply important?

A: It helps control inflation and strengthens monetary stability.

Q: Are cash transactions being phased out?

A: Gradually, as digital payments and financial inclusion expand.


Key Takeaways

  • The CBI prioritized stability over speculation

  • Digital banking advanced rapidly

  • Inflation reached historic lows

  • Currency control tightened significantly

  • Exchange rate rumors were firmly rejected


Conclusion: A Year of Monetary Discipline and Transparency

The Central Bank of Iraq’s statements in 2025 paint a clear picture: discipline, modernization, and stability. Rather than sudden currency moves, the focus remains on long-term credibility, digital transformation, and protecting the dinar’s purchasing power.

For observers, 2025 stands as a foundational year, not a speculative one.


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10 Things the Central Bank of Iraq (CBI) Said About the Iraqi Dinar (IQD) in 2025

1. February 19: CBI's Dollar Distribution System Among World's Most Monitored

Following meetings with the US Treasury and Federal Reserve in Dubai, the CBI reported recognition of Iraq's US dollar distribution system as one of the most monitored and controlled globally, effectively limiting manipulation and illicit dollar outflows. The bank emphasized significant transformation in international transfers aligning with global banking standards.

The CBI urged reliance on official channels for updates and warned against misinformation.

2.  February 27: Cash Transactions will Gradually Decline

Ali Mohsen Al-Allaq, Governor of the Central Bank of Iraq (CBI), highlighted significant progress in digital payments, citing an increase in ATMs and e-wallets, which helped boost financial inclusion to 40% from 20% in just two years, supported by CBI initiatives.

He noted that Iraqi banks are undergoing major transformations, adopting internationally accredited financial systems to enhance cross-currency transactions and banking operations. Looking ahead, he envisioned banks shifting from traditional entities to smart digital platforms, issuing digital financial identities to facilitate seamless transactions.

3. May 8: Dinars to Dollars -- Official List of Approved Banks

The Central Bank of Iraq (CBI) has announced that pilgrims can purchase dollars through designated banks and companies in Baghdad and other provinces.

4. September 4: CBI Launches Inter-Wallet Money Transfers

The Central Bank announced the launch of inter-wallet money transfer services, enabling individuals and businesses to conduct financial transactions with greater speed and flexibility. The CBI said this development marks a qualitative step in enhancing financial inclusion, supporting digital transformation, facilitating the movement of funds, and strengthening the business sector.

5. November 19: CBI Clarifies Role of Investment Department

The Central Bank issued a statement outlining the role of its Investment Department in supporting exchange rate stability. The department's objectives focus on maintaining confidence in the dinar.

6. November 21: CBI Issues Detailed Instructions for Exchanging Dinars

The Central Bank issued comprehensive instructions setting out criteria for trading and replacing banknotes, including standards for fit and unfit currency, procedures for damaged notes, and mechanisms for counting and sorting.

7. November 24: CBI Firmly Denies Any Plans to Change Exchange Rate

The Central Bank rejected rumours of a possible exchange rate modification, calling such speculation aimed at disrupting markets and undermining economic stability. The bank confirmed there is no intention whatsoever to amend the exchange rate of the Iraqi dinar.

8. December 2: Digital Dinar Under Development; Exchange Rate Not a Fiscal Tool

Governor Ali Mohsen Al-Alaq stated that the digital dinar project is under implementation, but requires time and robust infrastructure before launch. He stressed that the exchange rate should not be used as a tool to address structural fiscal gaps, warning that a devaluation of the dinar would harm low-income groups and erode confidence in the currency.

9. December 17: Currency Supply Reduced by 5.5%

The CBI reported a 5.5 percent decline in currency issued during the third quarter of 2025, falling to 99,681 billion Iraqi dinars from 104,127 billion Iraqi dinars in the same period of 2024.

10. December 18: Inflation Drops to Historic Lows

The Central Bank of Iraq (CBI) reported that Iraq's inflation rate fell to -0.8 percent in the third quarter of 2025, down from 3.5 percent in the same period of 2024.

WALKINGSTICK: IRAQ WILL MAINTAIN THE CURRENCY STABILITY PAIRING THE IQD TO A BASKET OF CURRENCIES

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