Friday, January 9, 2026
The Central Bank of Iraq is the first institution to implement a "programs and performance" budget
The Central Bank of Iraq is the first institution to implement a "programs and performance" budget
The Board of Directors of the Central Bank of Iraq approved the bank's budget for 2026, based on the program and performance budgeting methodology.
The bank explained in a statement: "Adopting this methodology aims to move from the traditional approach based on expenditure items to a modern approach that focuses on programs, results, and performance indicators, thereby contributing to increased spending efficiency, enhanced transparency and accountability, and supporting performance- and results-based decision-making."
He pointed out that "previous budgets were prepared according to the traditional method adopted by all state institutions," emphasizing that this approach makes the Central Bank of Iraq the first institution in the Iraqi state to implement a program and performance budget, a step that reflects its commitment to adopting the best international practices in managing its financial resources.
The bank explained that "the 2026 budget included strategic programs, institutional development programs, operational programs, in addition to oversight and regulatory programs, which were prepared according to clear programs, specific activities, and measurable performance indicators subject to periodic evaluation, thus contributing to improving the efficiency of plan implementation and achieving optimal resource utilization."
It affirmed that "adopting a program and performance budget is a pivotal step within the financial and administrative reform path pursued by the bank, enhancing the strength and sustainability of institutional performance and keeping pace with modern developments in expenditure management at the regional and international levels."
The Central Bank of Iraq expressed its readiness to provide technical support and training to Iraqi state institutions, assisting them in transitioning from the traditional method of budget preparation to modern, internationally recognized methods, thereby contributing to the development of public financial management and strengthening the principles of efficiency and good governance. link
BRUCE: Iraqi Dinar Contract Rate Explained: Bruce Reveals Redemption Center Strategy & RV Timing
Featured Snippet
Is there a special contract rate for the Iraqi Dinar?
According to Bruce, the Iraqi Dinar carries a contract rate available ONLY at Redemption Centers, not at regular banks. This rate was reportedly established during President Trump’s first term in coordination with Iraq’s Prime Minister and Central Bank, and is described as extremely high and “stellar.”
Bruce Disclaimer
All information shared by Bruce represents opinion and sourced interpretation.
This content is for educational purposes only.
Always consult a qualified financial, tax, or legal professional before making any financial decisions or currency exchanges.
Critical Alert: Do NOT Go to a Regular Bank with Iraqi Dinar
Bruce made a very strong and clear statement:
“If I had dinar, there’s no way in this world I would go to the bank.”
Why?
Because:
The Iraqi Dinar has a CONTRACT RATE
That rate is available ONLY at Redemption Centers
Banks will NOT offer the contract rate
The contract rate is described as:
Terrific
Very high
Excellent
Stellar
This distinction could mean a massive difference in value for dinar holders.
Who Set Up the Dinar Contract Rate?
According to Bruce:
The contract rate was established during President Trump’s first term
Coordinated with:
The Prime Minister of Iraq
The Central Bank of Iraq (CBI)
Designed specifically for Redemption Centers, not public bank counters
This reinforces the idea that the dinar exchange process is strategically structured, not random or retail-based.
Vietnam Dong Rate: No Contract, But Still Strong
Bruce clarified an important distinction:
Iraqi Dinar
✅ Has a contract rate
✅ Redemption Center ONLY
Vietnam Dong
❌ No contract rate
✅ Still expected to have a very strong international rate
Bruce emphasized:
“The dong rate that we've heard in the last few days is quite good, quite high, and everybody will be pleased with it.”
This suggests that dong holders may still experience significant gains, even without a formal contract rate.
RV Timing Update: Friday / Saturday Window
One of the most anticipated parts of Bruce’s update involved timing.
According to a recent source:
RV activity may begin on a Friday / Saturday
This aligns with:
International banking cycles
Reduced market interference
Strategic rollout timing
Bruce described this timing as “great.”
While no date is guaranteed, this window has appeared consistently across multiple independent sources.
Redemption Centers vs Banks: Key Differences
| Feature | Redemption Center | Regular Bank |
|---|---|---|
| Contract Rate | ✅ Yes (Dinar) | ❌ No |
| Higher Rates | ✅ | ❌ |
| Structured Appointments | ✅ | ❌ |
| Wealth Management Teams | ✅ | Limited |
| NDA / Protocols | Possible | No |
Bottom line:
If you hold Iraqi dinar, Redemption Centers are critical.
Q&A – Quick Answers for Currency Holders
Q: Should I exchange dinar at my local bank?
A: According to Bruce, absolutely not.
Q: Does the dong have a contract rate?
A: No, but the expected rate is still very strong.
Q: Who created the dinar contract rate?
A: It was reportedly established under President Trump’s first term with Iraq’s leadership.
Q: When could the RV start?
A: Sources suggest a Friday / Saturday window, though timing is not guaranteed.
Q: Will everyone get the same rate?
A: Contract rates apply only under specific protocols at Redemption Centers.
Strategic Insight: Why This Matters
Understanding where and how to exchange could mean the difference between:
A standard retail rate
Or a life-changing contract rate
This is why preparation, education, and patience remain essential.
Final Thoughts
Bruce’s message is clear:
Dinar holders must be strategic
Redemption Centers matter
Timing appears close
Rates — especially on the dinar — could be exceptional
As always, stay calm, informed, and prepared.
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Bruce
...If I had dinar there’s no way in this world I would go to the bank – because the dinar has a contract rate at the redemption center ONLY – and it’s terrific - ...it’s very high - President Trump set that up in his first term with the Prime Minister and the central bank of Iraq, and it's a stellar rate, excellent rate...the rate on the Dong is not a contract rate. It is on the dinar, but not on the Dong but dong rate that we've heard in the last few days is is quite good, quite high, and everybody will be pleased with it...
...the timing for the RV... our recent source... that we received was talking...like a Friday/Saturday start for us, which is great.
UN assessment: Iraq today is unrecognizable compared to years ago
UN assessment: Iraq today is unrecognizable compared to years ago
The UN coordinator in Iraq, Ghulam Ishaq Zai, gave an optimistic assessment of the situation in the country, stressing that Iraq has strengthened confidence in its institutions and is moving steadily towards stability, while noting that the country has become "remarkable and unrecognizable" compared to what it was years ago.
The United Nations website, in a report seen by Shafaq News Agency, stated that Isaac Ze spoke about the transition from the United Nations Assistance Mission for Iraq (UNAMI), whose mandate officially ended last December, to a new partnership with the Iraqi authorities focused on development.
The report quoted the UN envoy as saying that "Iraq today is unrecognizable and wonderful, especially for those who lived through the turbulent early years of the transition," noting that a country devastated by war after the 2003 invasion has now succeeded in building confidence in its institutions and is moving towards greater stability.
Ishaq Zee explained that poverty rates in Iraq have decreased from 20% in 2018 to 17.5% during the period 2024-2025, noting that preliminary reports indicate that Iraq now occupies an advanced position in the Human Development Index, which measures life expectancy, education levels and living standards.
The report indicated that the improved security environment helped about 5 million internally displaced people return to their areas, while those who remained in the camps were mostly due to housing or civil identity issues.
The UN envoy also touched on what he described as an "important milestone," namely the parliamentary elections held last year, in which the participation rate reached 56%, an increase of 12% over the previous elections, with a wide participation of women who constituted about a third of the candidates.
According to the report, the UNAMI mission was established in 2003 to assist Iraq in its transitional phase after the fall of Saddam Hussein’s regime. It went through difficult phases that culminated with the control of large areas of the country by ISIS before its defeat at the end of 2017. The mission ended its work on December 31, 2025, while the United Nations will continue its activities in Iraq under the leadership of Isaac Ze.
The report noted that the new phase of cooperation is based on a five-year development agreement, signed with the Iraqi government on December 25, which constitutes a roadmap to support national priorities, including education, health, economic growth, environmental protection and good governance.
The report also quoted Isaac Zee as saying that the current goal of the United Nations is "to support the social and economic needs of Iraq and to build on what has been achieved over the past two decades," noting that Iraq will contribute to financing the implementation of these programs, in an indication of the development of the partnership and the government's shift from the role of aid recipient to partner and supporter.
The report concluded by noting that the United Nations team in Iraq currently includes 26 agencies, funds and programs of the international organization. link
COFFEE WITH MARKZ: Iraqi Dinar Revaluation Update: CMKX, Prosperity Packages, Taxes & Iraq’s 2026 Budget Explained
Featured Snippet
Is the Iraqi Dinar about to revalue?
According to recent discussions, Iraq’s 2026 budget references an exchange rate of 1300 IQD, which stabilizes the budget but does not represent a market revaluation.
Many experts believe a separate overnight RV, redenomination, or international reset could still occur before or after official Gazette publication.
MarkZ Disclaimer
Please consider everything on this call as my opinion.
People who take notes do not catch everything, and it is best to watch the full video so you get everything in context.
Always consult a licensed financial professional before making any financial decisions.
Community Sentiment: Waiting, Watching, and Preparing
As another week draws to a close, the dinar community remains watchful. Members continue to ask the same critical question:
“To revalue or not to revalue — that is the conundrum.”
While frustration is understandable, the underlying developments suggest movement behind the scenes, both in Iraq and internationally.
Prosperity Packages & CMKX Update
Prosperity Packages (PPs)
At this time, there are no new confirmed updates regarding Prosperity Packages. However, there is a lot unfolding globally, and many indicators suggest this is a period of positioning rather than delay.
CMKX Shares
Reported valuation: $8–$10 per share
Fines & penalties portion: $8–$10
Trust portion: $8 per share
Long-term holders hope compounded interest could push values into double digits
While no official announcement has been released, expectations remain cautiously optimistic.
U.S. Income Tax: Is Cancellation Coming?
One of the most talked-about topics is the potential end of U.S. income tax.
Key Observations:
Former President Trump continues to mention it publicly
Scott Bessent and other administration voices are echoing similar language
Momentum suggests major tax reform is being discussed seriously
Opinion: Income tax could be canceled or radically restructured soon — though timing remains uncertain.
Many are understandably hoping this happens before April 15th.
Will Currency Exchanges Be Taxed?
Short Answer: Possibly — but not guaranteed.
Some believe exchanges may be non-taxable events
Others are preparing for taxation just in case
Best Advice: Hope for the best, prepare for the worst.
Always consult a CPA or tax attorney before exchanging.
Iraq’s 2026 Budget & the 1300 IQD Rate Explained
A recent report from Shafaq News states:
“Officially, the exchange rate in the 2026 budget is 1300 Iraqi dinars.”
Important Clarification:
This is a budget rate, not a market revaluation
It helps stabilize government accounting
It does not eliminate the possibility of:
Overnight RV
Redenomination
International rate reset
Experts emphasize that budget math and market value are two separate mechanisms.
Central Bank of Iraq (CBI) Under Pressure
CBI Governor Al-Alaq was questioned in Parliament
Lawmakers asked why a new rate was not included
Citizens are increasingly concerned about purchasing power
Contractors are frustrated with the ASYCUDA customs system
These pressures suggest the CBI cannot delay indefinitely.
Political Developments in Iraq
Once the President is seated, there is an estimated 80% chance that Sudani will be chosen as Prime Minister
U.S. Embassy and Washington representatives are holding unusual multi-day meetings
Discussions reportedly involve non-oil revenues, corruption, and governance
Additionally, rumors continue to circulate about U.S. forces potentially leaving Iraq, though this remains unconfirmed.
Gold, Silver & Legal Tender Momentum
A major milestone:
12+ U.S. states have now passed laws recognizing gold and silver as legal tender
This trend aligns with broader expectations of:
Currency resets
Asset-backed systems
Monetary reform
Do We Need to See the RV in the Gazette First?
Answer: Probably not.
Many believe:
The RV may occur before Gazette publication
Banking and exchanges could already be completed by the time it is officially posted
Q&A – Quick Answers for Investors
Q: Is the 1300 IQD rate the RV?
A: No. It stabilizes the budget, not the market.
Q: Are Prosperity Packages active?
A: No new confirmations yet.
Q: What is CMKX worth?
A: Estimated $8–$10 per share, based on fines, penalties, and trust structure.
Q: Will currency exchanges be taxed?
A: Unclear — prepare responsibly.
Q: Is something big coming?
A: Many signs point to significant financial change, though timing remains unknown.
Final Thoughts
Despite delays, uncertainty, and rumors, the larger picture continues to align. Political shifts, monetary reforms, legal tender laws, and international coordination suggest that preparation is more important than impatience.
“God is about to bestow a great blessing on all of us. Let us rejoice and be glad.”
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Thursday, January 8, 2026
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