🕵️♂️ Tier 4B Notification: Original plan was to notify Tier 4B groups first (Indian Nations, churches, PP’s, etc.) and then announce to the public 1–2 weeks later — like Kuwait RV. Internet makes this tricky now 🌐.
🔒 NDAs likely used to prevent early disclosure of exchange rates for certain tiers.
📅 Financial Reform Timeline: Oliver & Wyman Report → implementation Jan 1, 2026. Pre-customs payment system in Iraq → Dec 1, 2025.
MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context. Be sure to consult a professional for any financial decisions
Member: Good morning Mark, Mods. and all Dinarians from all over the Earth!
Member: Happy Thanksgiving weekend to all….
Member: Mark, what makes more sense tier 4b gets notification exchange then couple weeks later the general public hears it on news or go same time?
MZ: That is a good question and one that I go back and forth with. There was about 10 days between when (their version of 4B) went and the general public when Kuwait RV’d . But with the internet I believe that would be really tough to do now.
MZ: I know they would love to do it that way….Maybe we all get notifications to exchange and then 10 days or two weeks later announced to the public. That was the original plan. They originally wanted to bring in all the groups, Indian nations, church groups, PP’s ect…..then a week or two later and announce it to the general public, This would provide liquidity to the bank system. That was the original design.
MZ: But now, in this interconnected world…..with so many people in on it….can they logistically pull it off now? I know they still want to quietly roll it out to the groups first….If they do it this way…there will be a NDA until it is public. Hopefully only a few weeks if that is the case.
Member: Hope the Gen64 group is one of the early groups to go.
Member: The general public doesn't hold foreign currencies, do they? nothing significant I wouldn't think.
Member: Many of us gifted folks dinar and dong over the years……..they are not following the RV at all…
Member: I handed some close friends currency, told them to hold on to it!! I hope they didn’t end up writing their grocery list on it and toss it out!!
Member: Regarding NDA's – to me it make sense that NDA's would be used for 4B so that they don't divulge Rates of Exchange to Tier 5 people since rates are different?
MZ: If there is a big rate discrepancy …yes there may be a NDA on rates only…
..but I have not specifically been told that……… but it makes sense.
Member: RV Notification: the August Oliver and Wyman Report states financial reform implementation on the ground is Jan 1, 2026. Sudani echoed
Member: A lot of podcasters talking about Dec 2.
Member: Many think the Dec 1st implementation of pre customs payment system in Iraq big deal
Member: (From Dinar Guru) Mnt Goat ...the CBI has been telling us for over a decade they need SECURITY and STABILITY to pull this RV off...in fact Iraq does now have the stability they need...they know the dinar is already stable with the policies now in place...We are there! ...we can clearly now see that the next step is the move to removing the zeros and then to reinstate the dinar.
MZ: We are there.
Member: (From Dinar Guru) Frank26 It's amazing to see the CBI be so bipolar. One minute they tell you they're going to give you [Iraqi citizens] purchasing power, the next minute they say, yeah but everything is stable. It causes you citizens to think you're not gonna get anything...Don't let this confuse you. They have to deny the truth..
.They are trying to put a big obstacle in front of the face of the investors. That's what's happening right now...We are inches away.
MZ: Spot on Frank. They go back and forth in the news to disguise and cloud the timing.
MZ: In Iraq “ Pressure on Iraq to change its exchange rate is a interference with its independence” From Nassieri. He says after the election there is pressure to change the rate and Nasseiri says politics doesn’t get to do that….the CBI is the only one who gets to do that. Politicians cannot force them to change the value.
MZ: “ Fitch affirms Iraq at a B- and the outlook is stable” They say they are in great shape with inflation …just 1 % inflation.
MZ: the bond side has meetings today, tomorrow and Friday in Asia….they don’t do Thanksgiving. I do not have anyone in Reno with big meetings going on this week.
MZ: Groups have been quiet. I think we may not hear anything in the next few days…..But in this quiet -it would be a great time to do it.
Member: Are the redemption people home for Thanksgiving, or are they working?
MZ: One of my banking/wealth management/redemption contacts was asked to stay “on call” within 100 miles or so over this weekend…..to be available within a few hours. That they still want them close and available is a positive sign.
Member: How did you get involved in this investment Mark?
Mark tells his personal story how he heard about the dinar and other currencies revaluations…listen to replay for this story.
Member: We are grateful for how you got involved in this. Thanks for sharing!!
Member: How will we know when the RV happens?
Member: Dinarrecaps said a couple years ago they would change their symbol to look like fireworks when it's time for notification …and everyone will see it at the same time
Member: Mark will do a special podcast. As will all the other gurus…..plus all the dinar sites….It will be posted everywhere…..you will not miss it.
MZ: Dinar recaps and others will be notifying everyone on their mailing lists…..the banks told me they are sending this info to all these sites with their contact and appointment information …then you call and make an appointment …..The banks want you to call them ….They want our business.
Member: "When all HOPE appears to be gone, the switch will flip and RV-NESARA will happen. We're close.
Member: The waiting is the hardest part…hopefully its over soon.
Member: Blessings to everyone have a Wonderful Blessed Thanksgiving tomorrow.
✨ Bottom line: CBI is in control, reforms are in place, and the “train” 🚂 toward monetary stability and digitalization is moving — carefully, but steadily!
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First Issue: The Parallel Market Rise
There is still the lingering issue of the parallel market vs the ‘official’ CBI rate. To have stability in the economy the CBI must control the parallel market. Recently there seems to be ongoing spikes in the parallel market and many believe this can be resolved with an increase in the ‘official” CBI rate. When any of these articles I present today talk about a rate increase they are actually talking about increasing the amount of dinar to buy 100 US dollars like increasing from 1320 to 1400 or 1440. So this is not a good thing as it actually decreases the rate of the dinar against the dollar. We want the inverse. Get it?
Why do many economists feel the issues with the dollar recently can be resolved by raising the ‘official’ CBI rate again to over 1320 to something like 1400 or 1440 to fix the dollar crisis. But will it? What other issues are involved that will be impacted if the CBI did change the rate?
In the article titled “AN ECONOMIST IDENTIFIES A REASON BEHIND THE SUDDEN RISE OF THE DOLLAR AGAINST THE IRAQI DINAR” on Tuesday, economist Manar Al-Obaidi attributed the rise in the exchange rate of the dollar against the Iraqi dinar in the parallel market to the imminent implementation of the customs pre-calculation mechanism. While praising this mechanism, he said that despite its temporary side effects on the local market, it will raise the country’s customs revenues to 6-8 trillion dinars annually. So, the key word here is temporary
The he added that “despite the widespread talk about an intention to change the official exchange rate, the Central Bank’s statement was clear and decisive: ‘There will be absolutely no change in the exchange rate,’” adding that “this announcement alone confirms that the Central Bank is committed to monetary stability and will not make any changes to the official rate.” Now I want to reiterate again this is not the exchange rate that we are looking at for our RV. Iraq is still on the sole peg to the dollar. Remember also this is actually a good thing in that the CBI is not going to change the exchange rate as they would change it to something like 1400 or 1440 that actually lowers the value of the dinar not make it greater.
So, I want everyone to understand today that the mess they are in about the customs and tariffs and the wide speculation in the increase in revenue it will generate that this comes with a price as the price of goods may go up since they cost more for the importer. Get it? But the Iraqi economy must adjust. Does this increase the purchasing power of the citizens? No, of course it will decrease but not enough to cause massive inflation. The CBI knows this and is not going to make ‘knee jerk’ reaction and raise the official rate to 1400 or 1440 just because some economists write their ‘opinion’.
We see this absolute silliness even more in one of today’s article (among many) titled “AN EXPERT QUESTIONS THE ANNOUNCED INVESTMENT FIGURES IN IRAQ, PREDICTING A SIGNIFICANT RISE IN THE EXCHANGE RATE” when on Saturday, 11/22 Nabil Al-Marsoumi, an economics professor at the University of Basra, questioned the amounts announced for investment in Iraq, while predicting a “significant” increase in the exchange rate. He also called for reforming the salary system and “moving away from media hype in assessing the Iraqi economic reality.” But remember his version of increasing the exchange rate is to go backwards not forwards. Get it? I do not feel his predictions will happen, he is purely speculating and economists should not do this. They should stick to FACTS and Al-Marsoumi is not well-informed.
Al-Marsoumi, noted that “the exchange rate should be changed, and I expect it to be between 180,000 and 200,000 dinars per 100 dollars.” WOW this would absolutely kill the Iraq economy. Do you see how silly these solutions are? They do not take into consideration all aspects of the economy. Then in contrast, economist Alaa Al-Fahad described the weakness of non-oil revenues as a “major problem”. Yes, we already know that Iraq must diversify and under the leadership of al-Sudani this plan is already in motion. Why don’t they mention all the good reforms like almost doubling the oil revenues since Kurdistan reopened the major pipeline to the Basra ports along with the new wells being drilled. Seems their cup is always half empty rather than half full. But I have to add that Al-Marsoumi’s suggested solution tops them all for stupidity. This is not just my opinion but comes from my CBI contact when we reviewed many of these articles over the weekend in my call to Iraq.
Everyone should go read today’s article titled “LEARN ABOUT THE “SECRET OPERATIONS ROOM” THAT MONITORS THE PULSE OF THE IRAQI ECONOMY AND PROTECTS THE DINAR FROM FLUCTUATIONS” in full contrast to Al-Marsoumi’s suggested knee-jerk solution to the problem of the parallel market.
While the domestic debate continues regarding the exchange rate and the future of the dinar, the Central Bank of Iraq’s recent statement on the tasks of its Investment Department has revealed another dimension to the monetary landscape—one that is deeper, less visible, yet highly influential. This department, which manages foreign reserves and balances global market risks, is now described by economists as the “silent backbone” of the Iraqi economy, alongside oil, and the foundation upon which the most significant financial transformations underway in the country are taking place.
Economic expert Nasser al-Tamimi confirmed to Baghdad Today that the department has transformed in recent years from a traditional bureaucratic unit into a true center of gravity, preserving the stability of public finances and defining the Central Bank’s room for maneuver in the foreign exchange market. He told Baghdad Today that the prudent management of foreign assets—from government bonds to gold, deposits, and low-risk instruments—has enabled Iraq to weather the waves of global market turmoil and mitigated the impact on the dinar and the country’s financial balance.
The Central Bank’s technical statement, while employing specialized language regarding balances, transfers, and investment plans, nonetheless attracted the attention of international experts who analyzed its implicit messages. Bankers point out that the Central Bank’s explicit declaration that the department’s activities aim to stabilize the exchange rate does not necessarily mean an immediate appreciation of the dinar.
Here’s the part that I like most in this article and I quote – “However, it is a strong indication that preparations for a stable monetary reform have effectively begun. These experts believe the Central Bank is waiting for the “safest moment” to take any significant steps, given the extreme sensitivity of the Iraqi market. Any adjustment to the exchange rate system—whether an appreciation or a restructuring—requires a robust structure capable of absorbing shocks.”
It becomes obvious when economic experts like Nasser al-Tamimi come forward with FACTS to back up his statements they make much more sense and we can see the CBI has a plan and is working towards that plan. Part of the plan is to remove the zeros and then move to FOREX pending a review for inflation. Again even al-Tamimi is telling us the next measures must be carefully planned and they must pick the “safest moment” to take any significant steps. Remember these next moves are drastic but they are long awaited and the people have been educated and expect them.
Bottom line in looking at this recent surge in the parallel market is that “Iraq’s reserves now exceed $100 billion,” indicating that “there is significant international praise regarding the Central Bank’s management of the financial file.”
Al-Fahad said: “There is a great understanding between the Ministry of Finance and the Central Bank,” noting that “the Central Bank has refused more than once to tamper with the exchange rate, and the next government should stay away from the exchange rate and not manipulate it.”
Yes, this is the part that really scares me in that the result of this next election they put in some idiot into the office of prime minister who then proceeds to kill everything good that Al-Sudani and the CBI has accomplished much like Joe Biden vs Trump. Since Iraq is now on the verge of going forward with the final stages of the plan to reinstate this would not be a good thing for us investors to watch happen. So, we carefully watch this election cycle play out and pray that al-Sudani or someone like him is the next prime minister. Also that they can move on the next government quickly.
Are the spikes in the parallel market beyond the ‘official’ rate really a huge concern for the CBI?
I have to say unequivocally NO! These spikes in the dollar are not a major concern for the CBI and Ali al-Alaq, the governor of the CBI has told us this many times and made it very clear. This lack of a major concern stems from the fact that Alaq knows the reasons for the spikes and these reasons are being addressed but take time to implement. These spikes were expected, as he also told us. Alaq also knows the ‘next stage’ and what is coming.
However, there are economists that do not feel the same way as Alaq. They conjure up articles and publish them. The information may be factual in some, just very outdated. They do not know or understand the true economy of a capitalistic state and still rely on social ideology concepts of the Saddam Heisen era as their main driver for solutions. They may also not be aware of the planned financial reforms already put in place or planned for the very near future.
Experts have differing views on the nature of the government’s measures and their results, with a general agreement on the need for a comprehensive reform package rather than relying on a single tool.
So, to us investors, as we read many of these articles we must misunderstand what is really happening behind the scenes. We must dig deeper to understand and go beyond some, not all of these articles. I call them foolish article, much like propaganda. Boy oh boy, I have to tell you there are a couple of these articles published recently and you would think that the author was living ten years ago and not in the current, as they do not even mention all the financial reforms but rather concentrate on how the economy was in the past. They even go so far as to insist on financial reforms that have already been put in place. Yes, it is ironic or should I say pathetic?
So, we know that in Iraq, the exchange rate of the US dollar in Iraq has been under renewed pressure recently, amid widespread economic debate about the reasons for the rise and its impact on the general budget and the local economy. Remember that the finance committee had to hold off on the 2025 projects due to lack of funding which was caused by a sudden drop in oil prices, below what the budget could endure. To me this was a VERY GOOD thing and financially responsible. Rather that criticizing these moves, (with giving their own sound solutions) the economists should be praising the government.
These so-called ‘experts’ have differing views on the nature of government measures and their results, with a general agreement on the need for a comprehensive package of reforms instead of relying on a single tool. Oh… is this not already what the CBI is doing? What the hell do they think a ‘comprehensive package’ means? It’s a package of many not a single tool. The CBI now has this comprehensive package of reforms and they have already rolled out many but it takes time to work, as they must work together to resolve these issues. Let’s take a look at some of the reforms:
De-dollarizing Iraq;
Mandatory electronic deposits for Baghdad salaries, no more cash
Ending the currency auctions and going to correspondent banks for transfers;
Limiting the amount of dollars for travel abroad;
The Customs and Tariffs reforms (the Ascuda System);
The ISX Stock Market reforms;
The Insurance reforms;
All these wonderful projects like the Development Road and Port of Faw projects;
Redefining the valuable natural resources within Iraq and the plans to bring them to market;
Instituting banking reforms for private banks, even closing banks that can’t meet solvency limits;
Now we just learned about mandatory electronic deposits for all Kurdistan salaries, no more cash (we knew a year ago that they told us they needed Kurdistan to follow Baghdad on this move);
Etc. etc,
You know, I could go on and on with all the reforms from just the past four years. And so what the hell are these economists talking about when they say needing more reforms? Iraq is at the point in that the ‘currency reform’ coupled with the digital currency could be the answer they have been waiting for. But as Alaq has said this takes careful planning and first they had to put other measures in place.
For instance, Kurdistan just announced that all public employees and salary recipients in the Kurdistan Region will be required to receive their salaries digitally through personal bank accounts under the MyAccount project, the Region’s finance ministry announced Sunday, adding that cash payments will no longer be available starting at the beginning of 2026. The finance ministry’s statement comes as the initiative enters its final stage. The deadline was established under a February agreement between Baghdad and Erbil requiring all public employees to open private bank accounts by the end of 2025 to ensure salary payments. Why is this important to us investors?
You might want to go read the recent article titled “GOVERNMENT ADVISOR: DIGITALIZATION AND INCREASING NON-OIL REVENUES ARE FUNDAMENTAL TO FINANCIAL REFORM.” I believe the article speaks for itself as to why it was so important to get Kurdistan on the electronic payments of salaries. Yes, no more cash being handed out. Will this finally break the parallel market?
No! There is no RV or Reinstatement of the Iraqi dinar yet. There are NO newer smaller category notes issued or pictures even shown to anyone yet by the CBI and that includes the 10 and 50 categories. This is per my CBI contact.
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 so let the FACTS speak for themselves.
I also want to thank everyone for their lovely and heart-felt comments especially from one of my loyal readers Joy Snyder. It is nice to know I am appreciated for all the hard work I do to bring the TRUTH and UNDERSTANDING about this investment to you.
If I were you, I would keep the champagne in the frig. The show is not over until the fat lady at the circus sings….. lol.. lol.. It is mid-November and the CBI may still go ahead with removing the zeros in time for a January release. Oh… but remember it does not have to happen exactly on January 1st as there are thirty-one days in the month. They could also change the plan and remove the zeros in early January and release in late January. There are options.
This is going to be a very long read today and so settle down in a comfortable chair, grab a hit cup of tea or coffee and relax. Try to absorb what I am about to tell you. Remember that the RV we are looking for can still be killed (stopped/delayed) and nothing is certain. I know they have told us it is motion now and it is but until they switch out the currency, they can still delay this reinstatement.
I also would want everyone to listen carefully to the ENTIRE audio commentary when you clicked on the Newsletter today. It is chockfull of information. Play it again and again if you didn’t get what is being said. We are almost done with this RV saga. It is so close I can smell it like I smell a roasting turkey in the oven…lol.. lol.. lol..
Remember the CBI has been telling us for over a decade they need SECURITYand STABILITY to pull this RV off. Do they now have it? In the audio commentary I am trying to demonstrate that in fact Iraq does now have the stability they need. You will learn clearly what their definition of stability is and how they apply it. We are there!
In today’s news, like so many other Newsletters, I am going to take a couple of the main threads in the news and dive deeper and connect the dots for you. I hope this will make much more sense of the articles and tie them all together for you. I am doing this because if you know anything from all the past news, I brought you, we can clearly now see that the next step is the move to removing the zeros and then to reinstate the dinar. It is not about paying off Iraqi debt and stabilizing the dinar. These are not major concerns of the CBI at this time as they know the dinar is already stable with the policies now in place. The debt is not enormous and in fact is much less than most Arabic countries. Be careful when you read many of today’s articles. I will try to clarify them for you.
Many of you ‘glass half empty’ people may not see it as I do because you don’t read the articles as I bring them and you give up reading my Newsletters. All you want is a date and a rate, then you exit my Newsletter. That is a shame since you are really missing out on some fantastic news.
So, what are the two main threads that I am going to clarify?
There is so much news pouring out of Iraq in all areas. The two main areas of concern seem to be the following two issues of the lingering parallel market rise and the elections. I will address them and connect them to the RV and why it's important or not, to resolve them first.
✨ Stay tuned… the choo-choo 🚂 might be getting ready to move!
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AN EXPERT QUESTIONS THE ANNOUNCED INVESTMENT FIGURES IN IRAQ, PREDICTING A SIGNIFICANT RISE IN THE EXCHANGE RATE.
(I think this guy is a quake! )
On Saturday, November 22, 2025, Nabil Al-Marsoumi, an economics professor at the University of Basra, questioned the amounts announced for investment in Iraq, while predicting a “significant” increase in the exchange rate. He also called for reforming the salary system and “moving away from media hype in assessing the Iraqi economic reality.”
Al-Marsoumi said in a televised interview followed by “Al-Jabal” that “internal debt is not beneficial to Iraq, but repayment continues,” asking: “Is it reasonable to resort to selling assets to address internal debt?”
He added that “internal debt is not for building projects and investments, but rather for covering current expenses,” calling for a move away from “media hype” in assessing the economic reality.
He continued, “There is no official data to support the government’s announcement regarding fuel self-sufficiency,” noting that “they talk about attracting $100 billion in investments, and Dubai World has only received $50 billion.”
He pointed out that “the financial failure is accumulated from previous governments and the salary system needs to be reformed,” and asked: “Would some groups agree to reduce their salaries?”
Al-Marsoumi stated that “most of the MPs who won obtained their votes through promoting appointments.”
He said, “The UAE has seven sovereign wealth funds, while Iraq doesn’t have even a quarter of one,” noting that “Iraq’s ability to borrow from banks has become limited, and this is a predicament.”
He explained that “reforming the salary system and state property are the most prominent areas that should be addressed,” revealing “imports entering Iraq through unofficial ports.”
He noted that “the exchange rate should be changed, and I expect it to be between 180,000 and 200,000 dinars per 100 dollars.”
In contrast, economist Alaa Al-Fahad described the weakness of non-oil revenues as a “major problem”.
Al-Fahd, who was present at the same meeting, said, “A lot of the debt will be converted into investment projects, and this is not a problem,” indicating that “weak non-oil revenues represent a major problem.”
He pointed out that “the absence of the Development Fund puts the next government at a crossroads,” noting that “external debt has decreased, but radical solutions are absent, and talk of large figures regarding debts confuses the Iraqi public.”
He added that “Iraq’s reserves now exceed $100 billion,” indicating that “there is significant international praise regarding the Central Bank’s management of the financial file.”
He said: “There is a great understanding between the Ministry of Finance and the Central Bank,” noting that “the Central Bank has refused more than once to tamper with the exchange rate, and the next government should stay away from the exchange rate and not manipulate it.”
💵 Central Bank of Iraq Confirms Stability! ✅ Exchange rate is stable 📉 Achieves lowest inflation in the region 🏦 CBI focused on price stability (official rate only, not FOREX)
📝 Key Takeaways:
Law No. 56/2004 📜 guides monetary & exchange rate policy
CBI has no plans to adjust the Iraqi dinar official rate
"THE CENTRAL BANK OF IRAQ CONFIRMS THE STABILITY OF THE EXCHANGE RATE AND ACHIEVES THE LOWEST INFLATION LEVELS
IN THE REGION."
(Full articles in the Articles Section) "The Central Bank Law No. (56) of 2004, particularly Article 1/4/A, clearly defines its core functions in formulating and implementing monetary policy, including exchange rate policy. In this context, the Bank affirmed that it has no intention of adjusting the exchange rate of the Iraqi dinar, in line with its central objective of ensuring price stability, an objective that has been successfully achieved
in the past period." Remember that this exchange rate they talk about is the 'official' CBI rate not yet on FOREX and still under the sole de facto peg of the US dollar. This is not what we are so much concerned about
as investors.
..Choo-Choo...
....The choo-choo has stopped and is waiting........
In the article titled “AN ECONOMIST IDENTIFIES A REASON BEHIND THE SUDDEN RISE OF THE DOLLAR AGAINST THE IRAQI DINAR” 