Tuesday, December 30, 2025

MARKZ: End-of-Year Rumors, Regional Currency Shifts, and Iraq’s Digital Transformation

Important Disclaimer from MarkZ

“Please consider everything on this call as my opinion. People who take notes do not catch everything, and it’s best to watch the video to get full context. Always consult a professional for financial decisions.”

This disclaimer sets the tone for a measured and responsible discussion, especially during periods of heightened speculation.

End of the Year Sentiment: Hope, Fatigue, and Anticipation

With only days left before the new year, the community expressed a mix of:

  • Hope

  • Fatigue

  • Cautious optimism

Many members voiced that the “rollercoaster ride” feels long overdue for an end, reflecting widespread desire to move forward rather than continue waiting.

72-Hour Rumors and Market Speculation

When asked about claims from TNT Tony suggesting action within 72 hours, MarkZ responded calmly:

“We will soon find out. Are we hopeful? Are we hearing many rumors that this is accurate? Yes. So it could be… Stay calm.”

MarkZ neither confirms nor dismisses the rumors, emphasizing patience and emotional balance.

Iran: Currency Collapse and Political Fallout

MarkZ addressed reports that the Governor of Iran’s Central Bank stepped down, connecting it to deeper instability.

Key points:

  • Iran’s currency is in freefall

  • Economic pain has driven public protests

  • Government officials are reportedly resigning or going into hiding

“When your currency falls—people take to the streets.”

This serves as a reminder of how closely currency stability and social order are linked.

Syria vs Iraq: Two Different Currency Approaches

A member asked whether Iraq might follow Syria’s move of removing two zeros.

MarkZ clarified:

  • Syria: Removes zeros first

  • Iraq: Plans to increase purchasing power first, then remove zeros

“A very different approach.”

This distinction aligns with Iraq’s previously stated monetary strategy.

Global Currency Changes: Coincidence or Connection?

Members noted that several countries are issuing or preparing new banknotes:

  • Syria

  • Bank of England

  • Japan

  • Sri Lanka

One comment summarized the sentiment well:

“This tells me there is a reset coming without telling me there is a reset coming.”

MarkZ responded:

“I very much think it is RV related. Many countries are announcing currency changes right now.”

Is the US Gold-Backed? Does It Matter?

When asked whether the US must announce a gold-backed currency before any RV:

  • MarkZ did not confirm this requirement

  • He emphasized global movement rather than US-only action

Regarding claims that Trump is in charge of a reset:

“Many think he is… but I do not.”

Iraq Update: Parliament and Digital Transformation

Parliamentary Progress

MarkZ cited reports:

  • The House of Representatives began a new session

  • Election of the second deputy speaker is underway

  • Positions are being seated and sworn in

“They are moving forward.”

Digital Transformation Milestone

Another key article discussed:

  • 859 Iraqi government entities adopting e-governance

MarkZ noted this aligns with Iraq’s White Papers, stating that:

  • Digital governance is necessary

  • It supports increased purchasing power

  • It enables eventual removal of zeros

Banking & Exchange Insights

Members shared experiences with currency exchanges:

  • Some exchanges claim no appointment or phone number needed

  • MarkZ advised caution

“Make certain they verify your currency right there in front of your eyes.”

Others prefer waiting for official notifications to ensure:

  • Proper verification

  • Trained personnel

  • Best exchange conditions

MarkZ emphasized personal choice while urging vigilance.

Bond Updates & Group Activity

MarkZ shared that:

  • Group representatives recently resumed activity

  • Meetings are ongoing

  • No confirmed bond update yet

“I am not expecting breakaway awesome news tonight—but I will update when I know.”

Featured Snippets 

Is there truth to year-end RV rumors?
MarkZ acknowledges widespread rumors but urges calm, patience, and verification before drawing conclusions.

Why is Iran experiencing protests?
Iran’s currency collapse has triggered economic pain, resignations, and public unrest.

How is Iraq preparing for currency reform?
Iraq is advancing parliamentary seating and expanding digital governance, which supports purchasing power increases.

Q&A Section

Q: Is Iraq deleting zeros now?

A: No. Iraq plans to raise purchasing power first, then remove zeros later.

Q: Are global currency changes connected?

A: MarkZ believes many are related and part of broader monetary adjustments.

Q: Should I exchange currency immediately?

A: MarkZ advises caution, verification, and consulting professionals.

Key Takeaway from MarkZ

MarkZ’s update reflects the reality of this moment:

  • Rumors are intense

  • Global signals are increasing

  • Iraq continues incremental progress

  • Patience and preparation remain essential

This is a time for observation, not emotional decisions.

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 Hashtags

#MarkZ #IraqiDinar #IQD #CurrencyReset #GlobalCurrency #IraqNews #DigitalTransformation #EGovernance #MiddleEastEconomy #FinancialReform #EndOfYearUpdate

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 Mr Mark Z and ALL of YOU here

Member: Only 2 days until the new year….fingers crossed it’s a great one. 

Member: Is the rollercoaster ride coming to a stop finally ? I’m ready to get off the ride now and move forward!!!

Member: TNT Tony says within 72 hours- any truth to this?

MZ: We will soon find out. Are we hopeful? Are we hearing many rumors that this is accurate? Yes. So it could be….Stay calm 

Member: Just read that the Iranian CBI governor just stepped down because ot their currency collapse. Will others follow suit? 

MZ: “Surge of Economic pain pushes Iranians to the streets” their currency is in complete freefall and collapse. The government leaders in Iran are ducking and hiding. So yes I think more will follow suit. 

MZ: They have people dropping left and right from their government. Including the Central Bank Governor and employees. Iranian people are protesting in the streets. When your currency falls -people take to the streets. 

Member: Syria has taken away 2 zeros. Is it possible Iraq will do that? 

MZ: Iraq says they will first lift the purchasing power and then delete the zeros….a very different approach. 

Member: Mark, What is your take on many countries announcing the release of new currency. Is it RV related? I am still waiting on the US to announce asset backed currency

MZ: I very much think it is RV related. Many countries are announcing currency changes right now. 

Member: I wonder- do we need a public announcement that the US is GOLD backed before we RV?

Member: Banks in Budapest, Hungary, will be closed for 4 days from January 1st to the 4th. They are getting ready for some changes

Member: Syria, Bank of England, Japan and Sri Lanka, ALL issuing and getting ready to issue new bank notes... This tells me there is a reset coming without telling me there is a reset coming!

MZ: There is no bond update yet. I know group people are finally back in position today. They had been traveling over the weekend. They had some meetings yesterday and have more this afternoon. It will probably be pretty late this evening before I get an update on that front. 

MZ: So I will give that update in the morning unless it is just break away awesome news. I wouldn’t care if it was midnight….But, I am not expecting that type of news. 

Member: I am so sick of talk, talk, talk…..we need some ACTION!

Member: Is Trump in charge of the reset?

MZ: Many think he is….but I do not.  

MZ: In Iraq: “ The House of Representatives bell rings to mark the start of the new session for the election of the second deputy speaker of Parliament”  they are getting positions sat and sworn in. They are moving forward.  

MZ: “Iraq’s Digital Transformation: 859 Government Entities adopt E-Governance” They said in their “White Papers “ that this was necessary for them to raise their purchasing power and remove their zeros. 

Member: I talked with a Florida exchange about taking the dinar and dong….and they said we will not need a phone number- to just come in unless we were a whale.

MZ: Just make certain they verify your currency right there in front of your eyes.  

Member: I believe if the bank does verify you currency on site…I think taking a few notes and seeing how the process goes is ideal first

Member: I will wait for the 800 numbers to know I am going to the best place with the best trained personnel……but you are all free to do what you want.

Member: Thanks Mark and Mods….Hope everyone has a great day today. 

Lewis Hermes joins the stream today. Please listen to the replay for his information and opinions. 


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⏳ "Countdown to Revaluation: U.S. Pressure Builds – Trump Steps In?" 🇮🇶

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SAMIR AL-NASSIRI: THE BANKING REFORM PLAN IS BEING IMPLEMENTED SUCCESSFULLY ACCORDING TO ITS TIMETABLE

 SAMIR AL-NASSIRI: THE BANKING REFORM PLAN IS BEING IMPLEMENTED SUCCESSFULLY ACCORDING TO ITS TIMETABLE

Banking consultant and expert Samir Al-Nassiri confirmed that the Central Bank, Oliver Wyman, and other banks are continuing to implement the standards of the banking reform plan in partnership and daily coordination, according to the plan’s timeline, which was launched on April 7, 2025.

The Central Bank published the project implementation mechanisms and the banks signed an agreement to comply with the plan. Preparations are now underway to launch the first evaluation cycle during the first quarter of 2026.

The procedures and efforts undertaken by the Central Bank of Iraq, in cooperation and consultation with the consulting firm and private banks, have resulted in tangible steps during the current quarter in facilitating the implementation of the objectives, programs, mechanisms and standards of the comprehensive banking reform project, within the framework of implementing the Central Bank’s third strategy.

He explained that the main objective of this project is to build a sound, modern, comprehensive and flexible banking sector that contributes to achieving rapid growth in the national economy, a cumulative increase in GDP, and enhancing the market value of the banking sector.

 Al-Nassiri pointed out that economic reform begins with banking reform, explaining that the challenges facing the Iraqi economy simultaneously present significant opportunities to reform and develop the banking and financial sector, in line with the government’s program and the Central Bank’s future vision. He added that the banking sector will play a pivotal role in achieving sustainable development and attracting investments, as well as supporting ongoing efforts to activate non-oil productive sectors with the aim of diversifying national income sources and ensuring financial sustainability and balanced economic growth.

 Al-Nassiri explained that the role of the Central Bank is also embodied in regulating the financing of foreign trade and implementing infrastructure projects related to comprehensive digital transformation, in addition to expanding the use of electronic payment tools in a way that enhances the achievement of financial inclusion.

 He stressed that these efforts will contribute to providing real opportunities for reforming, developing and empowering the private banking sector during the period 2025–2028, through a set of key objectives, most notably:

* Developing the Iraqi banking system to keep pace with internationally approved banking and accounting standards.

* Building a sound, modern, comprehensive and flexible banking sector capable of adapting to economic changes.

* To enhance citizens’ confidence in the local banking sector and achieve international recognition of its transparency, progress, and commitment to international standards, thereby strengthening the confidence of global correspondent banks in dealing with it.

* Rehabilitating restricted or weakly active banks to enable them to return to the banking market with their full internal and external activities.

* Refocusing the role of banks on their core function of financing and lending for development, while promoting financial inclusion and increasing its rate in accordance with the established plans.

* To promote the transition from a cash economy to a digital economy by attracting funds circulating outside the banking system, which represent about 90% of the money supply, and bringing them into the formal banking cycle.

Al-Nassiri explained that although the period specified for their implementation according to the banking reform project and the Central Bank’s strategy extends to three years, what was achieved during the years 2023, 2024 and 2025 is considered an important achievement, as solid foundations and rules were built that formed the main pillar for the desired reform path.

He added that these achievements will contribute to the process of evaluating and classifying Iraqi banks based on the extent to which they achieve the goals set within the banking reform project, in accordance with the approved international standards and criteria.

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MILITIAMAN & SANDY INGRAM: Iraq’s Currency Adjustment and Integration into the Global Financial System

Introduction: Shifting the Conversation Forward

Two respected voices in the Iraqi dinar space—Militia Man and Sandy Ingram—are now converging on the same conclusion from different angles:

Iraq is positioning itself for global financial integration, and the future of the dinar is about adjustment, not “revaluation.”

This shift in language marks a more realistic, globally aligned understanding of how modern currencies evolve.

Militia Man: Iraq Is Laying the Groundwork for Global Integration

Militia Man emphasizes that Iraq has been steadily completing the necessary prerequisites to integrate into the global financial system.

“Iraq has been doing everything they need to do to set themselves up for integration into the global financial system.”

What This Integration Includes

These efforts are not theoretical—they are ongoing and measurable.

Is Progress Still Happening This Year?

According to Militia Man:

“Are there still things happening within this year? Absolutely.”

This reinforces that Iraq’s reform process is active, not stalled, even as it transitions into the next phase.

Sandy Ingram: It’s Not a Revalue—It’s a Currency Adjustment

Sandy Ingram addresses one of the most misunderstood topics in the dinar community.

“The word ‘revalue’ will just fall off a cliff.”

He explains that Iraq’s monetary future should be viewed through the lens of:

  • Market dynamics

  • Investor confidence

  • Exchange rate mechanisms

Why Language Matters

In global finance:

  • Currencies adjust, they don’t magically revalue

  • Market forces determine long-term value

  • Central banks guide transitions, not instant jumps

Floating, Adjusting, and Market Forces

Once Iraq:

  • Achieves full integration

  • Allows its currency to float or semi-float

  • Aligns with international markets

Then, according to Sandy Ingram:

“They will feel the full force of global investors behind them.”

At that point:

  • Supply and demand take over

  • Foreign investment influences value

  • The IQD finds its level organically

What Determines the Future Value of the IQD?

Not speculation—but fundamentals:

  • Trade volume

  • Oil and non-oil revenues

  • Foreign direct investment

  • Market confidence

These factors will ultimately decide:

“What the IQD will float or rise to.”

Featured Snippets 

Is Iraq integrating into the global financial system?
According to Militia Man, Iraq has completed many foundational steps required for global financial integration and continues making progress.

Is the Iraqi dinar going to be revalued?
Sandy Ingram explains that Iraq’s currency future is about adjustment, not revaluation, driven by market forces.

What happens when the IQD begins to float?
Global investors enter the market, and supply and demand help determine the dinar’s value.

Q&A Section

Q: Has Iraq finished all reforms?

A: No, but many critical steps have been completed, and progress is ongoing.

Q: Why is “revalue” the wrong term?

A: Modern currencies adjust through markets rather than fixed revaluations.

Q: Who determines the IQD’s future value?

A: Market forces, guided by Iraq’s economic fundamentals and investor demand.

Key Takeaway: A More Mature Narrative

Militia Man and Sandy Ingram together point toward a more realistic and mature outlook:

  • Integration before appreciation

  • Adjustment before speculation

  • Market forces over hype

This evolution in thinking aligns Iraq’s currency story with how global finance actually works.

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Hashtags

#MilitiaMan #SandyIngram #IraqiDinar #IQD #CurrencyAdjustment #GlobalIntegration #ForexMarkets #FloatingCurrency #FinancialReform #MiddleEastEconomy #GlobalInvestors

Militia Man 

 Iraq has been doing everything they need to do to set themselves up for integration into the global financial system. 

 That's where we're at...Are there still things happening within this year?  Absolutely.

Sandy Ingram 

 The word "revalue" will just fall off a cliff because it's not about a "revalue", it's a "currency adjustment". 

 Once Iraq puts itself in a position for the currency to float or do whatever it is they're going to do, they will then feel the full force of global investors behind them.  That will determine...what the IQD will float or rise to...


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MNT GOAT: 👉 “CBI Nears Trigger Point for Currency Redenomination” #iqd #dinarrevaluation

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The Sudanese government directs the release of a new batch of payments owed to contractors

 The Sudanese government directs the release of a new batch of payments owed to contractors

Prime Minister Mohammed Shia al-Sudani directed on Sunday the release of a new batch of payments for completed work as part of a series of payments to Iraqi contractors.

The office of Prime Minister Mohammed Shia al-Sudani said in a statement received by Al-Ghad Press that he chaired a meeting on Sunday regarding the contractual obligations of contractors, in the presence of the Undersecretary of the Ministry of Planning and the head of the Contractors Union.

According to the statement, the meeting included a review of the details of contractual obligations, their amounts, and the sums due to contractors implementing projects for all ministries and governorates, in order to guarantee the rights of contracting companies and support the stability of the construction sector, which is one of the most important drivers of the national economy.

Al-Sudani directed the release of a new batch of payments for completed work as part of a series of payments to Iraqi contractors, stressing the government's commitment to monitoring projects and their implementation phases and ensuring the payment of financial dues to contractors, in order to move forward with infrastructure and service projects  link


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CLARE & FNU LNU: Syria’s Currency Exchange Begins January 2026 While Iraq’s Digital Banking Still Lags Behind

Introduction: Two Countries, Two Very Different Stages of Reform

Recent articles highlighted by Clare and Fnu Lnu reveal a sharp contrast in the region’s monetary and banking readiness.

  • Syria is preparing for a formal currency exchange process starting January 1, 2026

  • Iraq, meanwhile, is only taking initial steps toward regulating digital and virtual assets

Together, these updates offer a grounded look at where the Middle East stands today in currency reform versus financial modernization.

Syria’s Central Bank Announces Currency Exchange Procedures

Article: “The Central Bank of Syria Requires Citizens to Follow New Procedures When Exchanging Currency”

The Central Bank of Syria has officially outlined the rules citizens must follow to exchange old Syrian pound banknotes for new ones.

This announcement confirms that Syria’s redenomination process is no longer speculative—it is operationally planned.

Key Details from the Central Bank of Syria

According to Governor Abdul Qader al-Hasriya:

  • Two zeros will be removed from the nominal value

  • 100 old Syrian pounds = 1 new Syrian pound

  • Start date: January 1, 2026

  • Duration: 90 days (extendable)

  • Cost: Free of charge, no fees or taxes

“The replacement process will be carried out free of charge without imposing any fees or taxes.”

This clarity reflects a structured and citizen-focused rollout, designed to ease transactions and stabilize the economy.

Why Syria’s Move Matters Regionally

Clare highlights that:

  • Sanctions relief made this reform possible

  • The timing aligns with broader regional monetary changes

  • A 90-day window signals confidence in execution

Syria’s approach demonstrates how political clearance + central bank readiness enables decisive action.

Iraq and Digital Assets: A Reality Check from Fnu Lnu

Article: “Iraq Has Taken Initial Steps Towards Establishing a Regulatory Framework for Virtual and Digital Assets”

While Syria prepares to exchange physical currency, Iraq is still at the starting line of financial modernization.

Fnu Lnu emphasizes the wording:

“Initial steps” means they haven’t even begun the real work yet.

Iraq’s Banking System: Behind the Curve

According to Fnu Lnu:

  • Iraq’s banking structure is at least two steps behind

  • The global financial system is moving toward:

    • FinTech

    • Tokenization

    • Digital assets

  • Iraq is still working on basic regulatory foundations

“There is no point in fixing the wagon while the rest of the world is driving Ferraris.”

Why This Matters for Currency Reform Expectations

Fnu Lnu’s position is clear:

  • A modern currency requires a modern banking system

  • Digital frameworks cannot be rushed

  • Preparation takes time, infrastructure, and expertise

This suggests that while Iraq may progress economically, full financial integration is a longer-term process.

Featured Snippets 

When does Syria begin its currency exchange?
Syria will begin exchanging old banknotes for new currency on January 1, 2026, with a 90-day window that can be extended.

How much will Syria charge for the exchange?
The exchange process will be free of charge with no fees or taxes imposed.

Is Iraq ready for digital banking and tokenization?
According to Fnu Lnu, Iraq is still in the early stages and remains behind global FinTech standards.

Q&A Section

Q: Is Syria redenominating or revaluing its currency?

A: Syria is redenominating by removing two zeros to simplify transactions.

Q: Does Iraq have a full digital asset framework?

A: No. Iraq has only taken initial regulatory steps.

Q: Can Iraq modernize quickly?

A: Not instantly—banking and FinTech reforms require time and structural upgrades.

Key Takeaway: Progress Is Not Uniform

This update highlights a critical truth:

  • Syria is operationally ready for a physical currency exchange

  • Iraq is still laying foundational rules for digital finance

Both are moving forward—but at very different speeds and stages.

Understanding this distinction helps manage expectations and focus on realistic timelines instead of hype.

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 Hashtags

#ClareUpdate #FnuLnu #SyriaCurrency #CurrencyExchange2026 #DigitalAssets #IraqBanking #FinTech #Tokenization #MiddleEastEconomy #MonetaryReform #CentralBankNews #GlobalFinance 

Clare  

 Article:  "The Central Bank of Syria requires citizens to follow new procedures when exchanging currency" 

Quote: "The Central Bank of Syria announced the regulations that must be followed by citizens and customers when submitting old Syrian pound banknotes to authorized entities for exchange for new banknotes, as part of the ongoing preparations for the upcoming exchange process...

The Governor of the Central Bank of Syria, Abdul Qader al-Hasriya...explained that the standard for the replacement process is to remove two zeros from the nominal value, so that every hundred old Syrian pounds will be equivalent to one new Syrian pound, noting that the replacement process will begin on January 1, 2026 and will continue for 90 days, which is extendable, and will be carried out free of charge without imposing any fees or taxes."

Fnu Lnu  

Article:  "Iraq has taken initial steps towards establishing a comprehensive regulatory framework for virtual and digital assets, aligned with international best practices." 

 Initial steps means they haven't even begun the task at hand. I told you they are not ready and the banking structure is at least two steps behind the world of FinTec and  Tokenization. There is no point in fixing the wagon while the rest of the world are driving Ferraris. They are not prepared to play the game yet and it is going to take time to prepare.

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FRANK26 & OMAR: Iraqi Gazette Sparks Global Speculation: New Monetary Directives Fuel Dinar Exchange Rate Discussions

Iraqi Gazette Sparks Global Speculation: New Monetary Directives Fuel Dinar Exchange Rate Discussions 🚨  Featured Snippet: Why Is Everyone ...