I am an IQD investor who believes this investment would help me fund my retirement. I am an experienced U.S. tax professional with the Department of Treasury for over 25 years...The IQD was once worth $3.22 in 1991...But here's what Iraqi dinar investors are not being told. Iraq has been through hell since 2003.
A historical exchange rate does not automatically establish what a currency should be worth today. There are new standards. Today the goal post has moved. A currency value of $3.00 to 1 Iraqi dinar banknote 25 years ago is no longer worth that today. This is 2026. Before 2003, Iraq had two lavish flowing rivers through the countryside, amazing infrastructure and people with money in the bank. Life was good until it wasn't.
The problem with comparing the dinar of decades ago with today's dinar ignores major changes in Iraq's monetary system, economy and the amount of IQD banknotes scattered around the world.
They have overprinted the money...Back before 2003, Iraq had a closed currency ...The currency was not readily available to foreigners.
You couldn't get your hands on the Iraq dinar...
The mere fact that we have possession of the currency is an indication that things are very different...This is why you must hold on to your currency. The supply and demand factor is coming back into play because the CBI has admitted to destroying Iraqi dinar banknotes.
🚨🇮🇶 80% OF IRAQ’S MONEY OUTSIDE BANKS — AND HOW THIS COULD CONNECT TO “DELETE THE ZEROS” 💵
A former Iraqi MP says roughly 80% of Iraq’s money is being held outside the banking system, contributing to the current liquidity problem.
🏠 Cash outside banks ⬇️ 🏦 Bring funds into the banking system ⬇️ 💳 Expand electronic payments ⬇️ 🔄 Increase formal financial circulation ⬇️ 🇮🇶 Modernize Iraq’s monetary system
🔥 HERE’S WHERE “DELETE THE ZEROS” BECOMES INTERESTING.
The Delete the Zeros project is fundamentally about modernizing Iraq’s currency structure, improving the efficiency of cash circulation and supporting a more modern banking system.
If Iraq can move a significant amount of cash from homes and informal circulation into the banking system, it could make the transition toward a more efficient, digitized monetary system much easier.
And there is an important connection with the recent discussion about printing more currency to address the liquidity crisis:
💰 Iraq may not simply need more money.
It may need to bring the money that already exists back into the financial system.
That means banking reform + electronic payments + currency restructuring could all become important pieces of the same larger monetary transformation.
⚠️ The 80% figure is a claim by former MP Abbas Sarout, not an independently verified CBI statistic.
But the bigger question remains:
Could bringing dormant cash into the banking system be part of the groundwork for Iraq’s next monetary phase and the long-discussed “Delete the Zeros” project? 🇮🇶💵
80% OF MONEY IS OUTSIDE BANKS… FORMER MP CALLS FOR A NEW STRATEGY TO ATTRACT HOARDED FUNDS
Former MP Abbas Sarout confirmed on Thursday that 80% of Iraqi money is hoarded in homes, away from banks, noting the need to reconsider the strategy for attracting funds to the banking system.
Sarout explained to Al-Maalouma that “Iraq is suffering from a liquidity crisis that has begun to affect salary distribution, given that 80% of the money is hoarded outside banks. This requires serious attention to adopt a strategy that creates incentives to encourage citizens from all walks of life to deposit their money in banks and adopt electronic payment methods, a strategy used in most countries worldwide.”
He added that “this mechanism ensures the government’s ability to distribute salaries, grant loans and advances, and conduct financial transactions,” pointing out that “the majority of financial transactions in Iraq still rely on traditional methods, and this has many drawbacks.”
He stressed “the necessity of citizens having confidence to deposit their money in banks, as this will create balance, sustain the flow of funds, and foster greater flexibility, particularly in ensuring the financial capacity to meet obligations.”
Looks like Wolvie was right. The RV GCR Tier 4B has begun in Miami, Florida.
What the video says (translated into English):
This is it, folks. The word going around is that the information coming in indicates that the RV has started the Tier 4B phase in Miami, Florida today, but it will not be made public.
For the next 48 to 72 hours, we'll see what happens. In the meantime, keep the prayers coming. A lot of information is coming in suggesting that things are happening very soon, and some insiders are saying that this RV/GCR revaluation—the Global Currency Reset—must happen before the 15th.
But, as you know, dates come and go. Keep praying, keep the positive mindset, and keep believing. We are very close. We know we are right on the edge of the wealth transfer and the beginning of a great era, a great victory, and an awakening to the light.
Looks like Wolvie was right . The RV GCR Tier 4B has begun in Miami Florida
Castellano:
Parece que Wolvie tenía razón . El RV GCR Tier 4B ha comenzado en Miami, Florida
Lo que dice en el video traducido al castellano..!!!
Esto es gente. Dicen por ahí, la información que llega es que el RV ha iniciado el nivel 4B en Miami, Florida hoy, pero no se publicará públicamente.
Eh, durante 48 a 72 horas, así que veremos qué pasa, pero mantengan las oraciones entrando. Mucha información está llegando, que está sucediendo muy pronto y algunos de los expertos están diciendo que esta reevaluación del RV GCR, la reconfiguración monetaria global tiene que suceder antes del 15, pero ya sabes, las fechas van y vienen, pero mantén tus oraciones, mantenlas fluyendo, mantén la mentalidad positiva, estamos muy cerca, sabemos que estamos justo en el precipicio de la transferencia de riqueza y el.
Gran era en esta gran victoria de despertar a la luz.
🇮🇷🇮🇶 IRAN’S MESSAGE TO IRAQ: “OUR SECURITY COOPERATION IS AT ITS BEST” — WHAT DOES IT REALLY MEAN?
📰 NEWS SUMMARY
Iranian Foreign Minister Abbas Araqchi stated that relations between Iran and Iraq are “at their best,” emphasizing close cooperation in politics, economics, trade, security, and border affairs.
He specifically highlighted security cooperation, border protection, coordination between the two countries, and the development of joint transit routes. He also described the recent Iraqi prime minister’s visit to Tehran as productive.
At first glance, this sounds like a positive statement about strong bilateral relations.
🇮🇷🤝🇮🇶
But there is one part of this statement that deserves much closer attention:
⚠️ “SECURITY COOPERATION”
This is where things become particularly interesting.
Iraq is currently working toward placing all weapons and security decisions under the exclusive authority of the Iraqi state. At the same time, Baghdad is confronting the sensitive issue of armed factions and militias with longstanding ties to Iran.
So when Tehran publicly says that security relations between Iran and Iraq are at their best, it naturally raises an important question:
What does Iran mean by “security cooperation,” and who ultimately defines Iraq’s security policy — Baghdad or outside powers?
🎯 THE POLITICAL MESSAGE BEHIND THE STATEMENT?
This could reasonably be viewed as a carefully worded political message from Tehran.
Iran is emphasizing that security cooperation with Iraq remains a central part of the bilateral relationship at precisely the moment when Iraq is trying to strengthen its sovereignty, state authority, and exclusive control over weapons.
We cannot say from this statement alone that Iran is currently giving direct orders to Iraqi militias. That would require independent evidence.
However, the timing and wording are significant.
The message can be interpreted as:
🇮🇷 “Our security relationship with Iraq remains strong, and we intend to preserve our strategic role.”
Meanwhile, Baghdad's position increasingly appears to be:
🇮🇶 “Iraq must control its own weapons, territory, and security decisions.”
🔥 THIS IS THE REAL PULSE
This isn't necessarily about whether Iraq and Iran should have diplomatic or economic relations. Countries can cooperate while maintaining sovereignty.
The real question is:
How much influence will Iran continue to have over Iraq’s internal security architecture?
That is the issue to watch.
If Iraq truly wants to move toward greater sovereignty and stability, then the direction is clear:
🇮🇶 Iraq must control its own security. 🇮🇶 Iraq must control its own weapons. 🇮🇶 Iraq must decide its own alliances. 🇮🇶 Iraqi territory cannot become a battlefield for outside powers.
💵🇮🇶 WHY THIS MATTERS FOR IRAQ’S FUTURE
For those watching Iraq's economic and potential currency transformation, this issue is much bigger than politics.
Security and stability are fundamental foundations for economic reform, international investment, banking modernization, and ultimately any major currency reform.
So while Iran may describe the relationship as being at its “best,” the question Iraq must answer is:
Who has the final word on Iraq’s security — Baghdad or external interests?
That may be one of the most important questions Iraq faces right now. 🇮🇶🔥
First sovereignty. First stability. Then the deeper economic and monetary transformation. 💵📈🇮🇶
IRAN: OUR RELATIONS WITH IRAQ ARE AT THEIR BEST, AND COOPERATION INCLUDES THE ECONOMY, SECURITY, AND BORDERS.
(Mnt Goat: I have never heard of such bullshit. You see when you know the truth you can spot lies a mile away.)
Iranian Foreign Minister Abbas Araqchi affirmed on Monday that relations between Iran and Iraq are at their best, noting the close cooperation between the two countries in the political, economic, security and border fields.
During his visit to Iraq to participate in the Arbaeen pilgrimage of Imam Hussein (peace be upon him), Araqchi said that the Arbaeen pilgrimage represents a major maneuver that reflects the unity of the Iraqi and Iranian peoples and the depth of the religious and ideological ties between them.
He added that the recent visit of the Iraqi Prime Minister to Tehran witnessed fruitful discussions, stressing that joint cooperation includes coordinating political positions, economic and trade files, securing borders and regulating movement across them, as well as developing joint transit routes.
There is a lot of information circulating about Iraq’s liquidity crisis, cash being held outside the banking system, the growing money supply, and the future of the Delete the Zeros project.
According to what Mnt Goat says was discussed with her alleged CBI contact, these issues are closely connected to Iraq’s broader monetary reform and potentially to what many of us are watching for—the RV.
⚠️ IMPORTANT: The following reflects what Mnt Goat attributes to her contact and is NOT an official CBI confirmation of an RV or a new exchange rate.
📰 1️⃣ THE LIQUIDITY CRISIS
One of the main topics discussed was the growing amount of physical cash remaining outside the banking system.
Recent reports have warned that Iraq could face increasing pressure to print additional currency to cover salaries and avoid a deeper financial crisis.
But according to the contact, the problem is not simply getting money into the banks.
💡 The CBI already electronically deposits salaries and pensions into bank accounts.
The bigger problem is:
👉 How do you keep that money inside the banking system?
💳 2️⃣ WHY DOES THE MONEY LEAVE THE BANKS?
The contact reportedly explained that Iraq still depends heavily on cash.
Although POS systems and electronic payments are expanding, many businesses—especially in remote areas—still lack reliable 24/7 electricity.
When electronic systems cannot operate, businesses return to cash. 💵
Therefore, cash remains necessary for everyday commerce.
🔢 3️⃣ THE BIG ISSUE: LOWER-DENOMINATION NOTES
This was one of the most interesting points discussed.
According to the contact, a significant amount of the cash accumulating outside the banking system consists of 250, 500, and 1,000 dinar notes.
Why?
Because these notes are constantly used as change when citizens make purchases using larger denominations such as:
💵 5,000 💵 10,000 💵 25,000 💵 50,000 dinars.
People receive the smaller notes as change and often simply take them home and store them.
When enough people do this, the marketplace begins experiencing a shortage of lower denominations.
📈 4️⃣ WHY DOES THE CBI KEEP PRINTING THEM?
According to this explanation, the CBI continues needing to print lower denominations because they continually disappear from circulation.
And this creates a potential problem:
🔄 More small notes → more currency in circulation → increased money supply → greater monetary pressure.
The contact reportedly said larger notes are mainly being printed to replace damaged ones, while lower denominations remain the greater challenge.
Therefore, continuing to print more and more small notes could eventually make the underlying problem worse.
🧩 5️⃣ IT MAY NOT SIMPLY BE A "LACK OF TRUST"
Another important point from the conversation is that the problem has often been described as citizens simply not trusting the banks.
According to the contact, the situation is more complicated.
In other words, people may not necessarily be hiding money from banks; in many cases, the economy still requires cash to function.
🔄 6️⃣ WHERE DOES DELETE THE ZEROS COME IN?
This is where the discussion becomes particularly interesting.
According to the contact, Delete the Zeros could help address some of these issues by reorganizing Iraq’s currency denominations and eventually withdrawing certain notes from circulation.
The process would require an official exchange or conversion period.
Once the deadline expired, large amounts of currency remaining outside the banking system could potentially lose their validity.
This could also help the government identify or neutralize large accumulations of undeclared or illicit cash.
🚨 7️⃣ CORRUPTION AND CASH OUTSIDE THE SYSTEM
The contact reportedly indicated that one potential benefit of the process would be reducing the ability to use large amounts of cash accumulated outside the financial system.
But an important distinction must be made:
❌ Not all cash outside banks is stolen money.
Much of it may simply belong to citizens and businesses.
The key point is that a structured currency exchange could give the government greater control and visibility over cash remaining outside the banking system.
💵 8️⃣ WHAT COMES AFTER DELETE THE ZEROS?
This is probably the part most interesting to those following the dinar.
According to the reported conversation, once the currency conversion is completed, the next step would need to involve the international value of the dinar.
The discussion reportedly referenced:
🌎 Returning the dinar to international/FOREX trading 📈 Recognizing its effective value 💱 Consideration of the REER (Real Effective Exchange Rate) 🔄 And eventually a revaluation.
Again:
⚠️ This is what Mnt Goat says her contact explained. It is NOT an official CBI announcement that an RV is coming.
🏦 9️⃣ THE ROLE OF THE CBI, IMF, WORLD BANK & U.S. TREASURY
According to the account, the CBI has a plan that would require coordination and approval involving institutions such as:
🇮🇶 CBI 🌎 IMF 🏦 World Bank 🇺🇸 U.S. Treasury.
The idea presented is that Iraq would need to satisfy certain conditions before fully implementing such a major monetary transformation.
🛢️ 1️⃣0️⃣ THE OIL & GAS LAW — HCL
One of the obstacles identified in the conversation was the Oil & Gas Law (HCL).
The argument is that Iraq needs a clearer legal framework for the distribution and management of oil revenues.
This remains particularly important because oil continues to represent a major source of Iraq’s government revenue.
🛡️ 1️⃣1️⃣ SECURITY, MILITIAS & FACTIONS
The second major obstacle mentioned was internal security, particularly armed militias and factions operating outside full state control.
According to the account, greater stability and state control over weapons would be important conditions for certain international steps.
In other words:
HCL + SECURITY/STABILITY = two major issues reportedly identified as obstacles.
📊 1️⃣2️⃣ WHY NOT SIMPLY CHANGE THE EXCHANGE RATE?
The conversation also addressed proposals from some MPs to change the exchange rate directly as a solution to the crisis.
According to the contact, this could actually be counterproductive.
If the exchange rate is changed before the underlying problems are resolved, it could create:
DO NOT USE AN EXCHANGE-RATE CHANGE AS A SUBSTITUTE FOR ECONOMIC STABILITY.
🔥 1️⃣3️⃣ THE BIGGEST WARNING
According to the conversation, Iraq may be reaching a point where time itself is becoming a critical factor.
Iraq has discussed Delete the Zeros for years.
But while the project remains delayed, the CBI continues dealing with problems involving lower denominations, liquidity, and the money supply.
The concern is that a monetary structure originally designed to help manage inflation could eventually contribute to additional inflationary pressure if the supply of lower denominations continues expanding.
🔎 MY ANALYSIS
This is where I believe we need to separate what makes economic sense from what remains speculation.
There is a logical argument behind the discussion: a major monetary reform requires the infrastructure to support it.
Iraq needs:
🏦 A stronger banking system 💳 Greater electronic-payment adoption ⚡ Better electricity infrastructure 📊 Inflation control 💰 Better revenue management 🔢 Efficient currency denominations 🛢️ Economic reforms 🛡️ Security and stability.
And this connects with something we have been seeing repeatedly in recent reports:
IRAQ NEEDS TO BUILD STABILITY BEFORE EXECUTING A MAJOR MONETARY TRANSFORMATION.
Delete the Zeros should not be viewed as a magic solution that automatically creates wealth.
The reform must work within an economy prepared to absorb it.
🇮🇶💵 MY OPINION
And this is where my opinion aligns with the central point of this conversation:
AS I HAVE ALWAYS SAID: STABILITY MUST COME FIRST! 🔥
If Iraq wants Delete the Zeros—and eventually an RV—to function properly inside the country, it first needs to make sure the reform does not trigger a surge in inflation, prices, or costs.
It is not simply about changing banknotes.
It is about preparing the entire economy for the transformation.
That is why, in my view, the most important thing is not simply hearing the words "RV" or "Delete the Zeros."
What matters is watching whether Iraq continues making progress in:
