Friday, December 26, 2025
AN IRAQI BANK SWITCHES TO THE GLOBAL STANDARD “SWIFT MX”
AN IRAQI BANK SWITCHES TO THE GLOBAL STANDARD “SWIFT MX”
The National Bank of Iraq announced that it has successfully completed the transition to the new global standard ” SWIFT MX ” for financial messages, in a step that constituted a significant milestone in the bank’s technological infrastructure modernization and enhanced readiness for digital transformation.
The bank said in a statement, “The implementation of this transformation comes as part of the bank’s transition from the old MT standard to the MX ISO 20022 model , which is the most advanced, structured and data-rich framework in the global financial messaging sector. The transformation process was carried out across all operational channels with high efficiency and minimal downtime, reflecting the bank’s strong technical readiness, accurate planning, and commitment to providing its services without any significant interruption.”
He pointed out that “this transformation is an advanced step within the strategic roadmap of the National Bank of Iraq to modernize its systems, enhance its compatibility with global best practices, and provide an advanced digital banking experience for its individual and corporate clients.”
Frank26 Iraq Boots-on-the-Ground Report: Lower Denomination Dinar & White Papers Signal Imminent Shift
Fresh boots-on-the-ground intel from Iraq, shared by Frank26 and Firefly, is reigniting excitement across the dinar community. Iraqi television is openly discussing lower denomination dinar notes, the completion of the White Papers, and what appears to be the final steps toward Iraq’s international financial reintegration.
As always, this information represents opinions, observations, and interpretations, not financial advice.
⚠️ Frank26 / MarkZ-Style Disclaimer
Please consider everything shared as opinion. News commentary, translations, and interpretations may not capture full context. Always consult a qualified financial professional before making any financial decisions.
Boots-on-the-Ground Intel from Iraq
Lower Denomination Dinar Notes: “Imminent”
FIREFLY reports:
A well-known Iraqi economist appeared on national television
He stated that:
Lower denomination dinar notes are lined up
They are not yet on the streets
The Central Bank of Iraq (CBI) says the launch is imminent
All preparations are complete
This is significant because lower denominations are essential for a meaningful currency value shift, daily commerce, and international acceptance.
Who Is This Economist Really?
FRANK26 clarifies:
The economist is:
Highly educated
A media financial adviser
Not officially part of the CBI or GOI
He shares professional opinions, not policy announcements
“Every day he comes out and expresses his opinion.”
Despite this, the fact that Iraqi media is openly discussing monetary reform is seen as a strong confidence signal.
The White Papers Explained (Why They Matter)
What Are the White Papers?
The White Papers are Iraq’s long-term economic reform blueprint, written before Prime Minister Sudani took office, designed to:
Stabilize Iraq’s economy
Modernize banking and monetary policy
Return Iraq to the international financial system
According to Iraqi TV:
The monetary reform portion is completed
The only remaining step is going international
Frank26’s Key Insight: What the White Papers Are Waiting For
FRANK26 explains:
The White Papers are waiting on one final requirement
The same thing that:
The HCL (Hydrocarbon Law) is waiting for
The budget is waiting for
The people are waiting for
“You can’t go international until you get what the White Papers are waiting for.”
🌍 Featured Snippet: Why Going International Is the Final Step
The White Papers serve as Iraq’s passport to the international community. According to Frank26, once this final condition is met, Iraq can:
Re-enter global markets
Allow the dinar to float
Complete its monetary reform process
This step would finalize years of preparation.
Lower Denominations & Currency Float: Why This Is Critical
Lower denomination notes are not practical unless:
The currency has real purchasing power
Inflation is controlled
Iraq is positioned internationally
Frank26 emphasizes:
International status comes first
A currency float follows
The LDs support normal daily transactions
Encouraging Signs from Iraqi Media
Frank26 highlights one key factor:
“The fact that they talk about it is extremely encouraging.”
Iraqi media openly discussing:
White Papers
Monetary reform
Lower denomination dinars
…suggests growing transparency and confidence.
Q&A – Most Asked Questions
Q: Are lower denomination dinar notes already circulating?
A: No. They are prepared and ready, but not yet on the streets.
Q: Is this confirmation of an RV date?
A: No specific dates are given. This is preparatory signaling, not an announcement.
Q: What is Iraq still waiting for?
A: Final alignment between:
HCL
Budget
International financial compliance
Q: What happens after Iraq goes international?
A: According to Frank26:
The dinar can float
Monetary reform is completed
White Papers are fulfilled
Final Thoughts
The convergence of:
Iraqi television discussions
Prepared lower denominations
Completed White Papers
Ongoing HCL and budget alignment
…points to a country positioning itself for a global financial return.
While patience is still required, the narrative inside Iraq itself is changing — and that matters.
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Frank26
[Iraq boots-on-the-ground report]
FIREFLY:Your favorite economist is back...today on Iraqi television. He says the lower denomination dinar note are lined up for release...They are not on the streets just yet...The central bank is saying the launch is imminent. All the preparations are in place...
FRANK: You have to remember who this man is. He's an economist. He's well educated. But he's a financial adviser for the news. He is not associated with the CBI...GOI. He's associated with the media. Everyday he comes out and expresses his opinion
RESEARCH CENTER: IRAQ IS AT A PIVOTAL MOMENT TO ADDRESS ITS ECONOMY AND REVIVE THE PRIVATE SECTOR
RESEARCH CENTER: IRAQ IS AT A PIVOTAL MOMENT TO ADDRESS ITS ECONOMY AND REVIVE THE PRIVATE SECTOR
The “ Center for Research and Strategic Studies ” stated that Iraq needs a “realistic diagnosis of its economic imbalances” in order to implement appropriate reform prescriptions, a step that will not succeed without a strong private sector, instead of relying on the state, which acts as if it is the sole engine of the economy, meaning that the country is facing a “pivotal moment.”
The Jordan-based “Links Center” said in a report translated by Shafaq News Agency that the Iraqi economy has suffered for many years from a clear paradox: it possesses large financial resources, but its ability to transform these resources into real and sustainable development is weak.
The center explained in its report that the relative financial stability that Iraq is witnessing today does not necessarily mean the soundness of the economic structure, but rather hides behind it accumulated structural imbalances resulting from excessive dependence on oil, the inflation of the role of the state, and the weakness of economic and administrative institutions,” adding that “any serious talk about reforming the Iraqi economy must start from a realistic diagnosis of these imbalances before moving on to reform prescriptions.”
According to the report, successive governments have succeeded in managing short-term stability by expanding public spending, taking advantage of oil revenues and high cash reserves. However, this approach has created a fragile economy that depends more on oil shocks than on production.
He continued, saying that public budgets have ballooned significantly since 2004, not as a result of growth in the productive base, but due to the expansion of operating expenses, especially salaries and subsidies, which has made the state the largest employer and source of income in the country. This has imposed a constant burden on public finances and limited the government’s ability to direct resources towards long-term investment and development.
The report argued that the economy cannot become a productive economy as long as government employment remains a substitute for real job opportunities in the private sector, adding that reforming the salary scale and linking wages to productivity, along with redefining the role of the state from a direct employer to a regulator and supporter, represents a fundamental step in the path of reform.
The report considered the social support system to be another example of structural dysfunction, explaining that the comprehensiveness of the support, despite its social importance, led to a great waste of resources and reduced the effectiveness of social protection.
He added that reform does not mean reducing support as much as it means redirecting it towards the most needy groups, and linking it to real economic empowerment policies that open the way for work and production instead of permanent dependence on subsidies.
The report stated that the energy sector represents one of the most prominent structural challenges that drain public finances and hinder growth, noting that the huge spending on electricity has not succeeded in providing a stable service, due to imbalances in management, governance and collection.
He pointed out that the continued flaring of associated gas is a glaring example of mismanagement of resources, as Iraq loses billions of dollars annually that could have been turned into a source of energy, income and job opportunities. Therefore, the report concluded that real reform in this sector requires a comprehensive restructuring, not partial or temporary solutions.
The report continued, stating that Iraq possesses important strengths, most notably monetary stability, high foreign reserves, and low inflation. However, these indicators will remain of limited impact unless they are translated into real growth in the real economy, which requires a radical reform of the banking sector to enable it to finance investment and production, and not just be an intermediary for trading liquidity.
The report concluded by saying that no economic reform in Iraq can succeed without a strong and effective private sector, explaining that the state is no longer able to continue as the sole engine of the economy.
He added that “what is required is a stable business environment that protects the investor, reduces bureaucracy, and provides clear and fair rules for competition, as the efficient private sector is not a substitute for the state, but rather a key partner in achieving development.”
The “Links Center” report concluded that the Iraqi economy stands today at a pivotal moment. Either the current financial stability will be invested in launching real structural reforms that rebuild the economy on the foundations of production and diversification, or dependence on oil and public spending will continue, with all the future risks that entails. It concluded by saying that “reform is not just a political option, but an economic necessity to ensure stability and development for future generations.”
MarkZ Update: Dinar Revaluation Rumors, Global Reset Signals, and Silver Market Shock
MarkZ Update: Dinar Revaluation Rumors, Global Reset Signals, and Silver Market Shock
The end of the year is bringing intense financial chatter, global monetary reform signals, and renewed expectations around the Iraq Dinar revaluation (RV). In the latest MarkZ discussion, members and moderators shared critical updates involving bond movements, Middle Eastern currency reforms, silver shortages, and the weakening U.S. dollar.
As always, this post compiles opinions, rumors, and interpretations shared publicly, meant for informational purposes only.
⚠️ MarkZ Disclaimer
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 so that you get everything in context. Be sure to consult a professional for any financial decisions.
Key Highlights from the MarkZ Call
End-of-Year Energy & RV Expectations
Asian contacts believe bond releases may occur before the New Year
Rumors suggest:
January 1st: Bond releases
January 2nd: Currency notifications
⚠️ Take with a trainload of salt
Some group contacts are reportedly traveling to Reno, often seen as a potential indicator of movement
Iraq Dinar & Budget Developments
Iraq’s 3-Year Budget & Political Timing
Iraq may attempt another three-year budget structure
A new 2026–2028 tripartite budget would require:
A seated parliament
Formal vote and approval
Why January Matters
Former CBI Governor Dr. Shabibi stated January is the best window to reinstate the dinar at a significant rate, aligning with budget allocations
MarkZ: “That pretty much checks out.”
HCL, Article 140 & Monetary Reform Progress
Iraq leadership reportedly met to:
Finalize the HCL (Hydrocarbon Law)
Implement Article 140
There is hope this could be presented and passed early next week
Digital Payments & Economic Independence
K-Card Major Update
0% commission initiative launched to:
Support merchants
Promote electronic payments
A major step toward:
Modern banking
Increased money velocity
Reduced cash dependence
Energy Independence
Iraq is connecting floating gas platforms to production stations
Goal: Complete independence from Iranian gas
Long-term objective: Become a gas exporter
🌍 Global Reset Signals & Fiat Currency Stress
Silver Market Shock
Shanghai silver reportedly hit $83
A silver dime now holds over $5 in metal value
Massive physical silver shortages
A mystery buyer allegedly demanded $4+ billion in physical delivery
MarkZ: “We are watching the demolition of fiat currency live… IMO.”
Black Swan Warnings
London silver market experiencing a run
Demand vastly exceeds supply
Possible cascading effects on:
Banking system
Fiat currencies
Global markets
Dollar Decline & Global Currency Shifts
U.S. dollar posts worst performance since 2003
Syria reportedly plans to announce a new currency in 2026
Iran expected to lop four zeros (not a true RV, in MarkZ’s opinion)
Currency-Specific Opinions (MarkZ)
| Currency | Outlook |
|---|---|
| Iraqi Dinar | Over $3+ potential |
| Zimbabwe (ZIM) | Humanitarian use, not circulation |
| Bolivar | Expected to perform well |
| Iran | Likely a lop, not revaluation |
📌 Featured Snippet: Are We Close to Currency Exchanges?
According to MarkZ, multiple signals—including bond chatter, Iraq budget timing, energy independence, and precious metal stress—suggest the global system is under pressure. While no dates are guaranteed, early January remains a high-interest window.
Q&A – Most Asked Community Questions
Q: Will the Iraqi Dinar revalue over $3?
A: MarkZ believes it will exceed $3, in his opinion.
Q: Is the Global Economic Reset already starting?
A: Many indicators—silver shortages, fiat currency decline, and digital payment expansion—suggest systemic change is underway.
Q: Is ZIM still part of the RV?
A: Yes, but as a humanitarian settlement, not a tradable currency.
Q: Why is silver so important right now?
A: Silver shortages expose weaknesses in fiat systems and banking leverage, potentially triggering market resets.
Final Thoughts
As we approach a new year and new financial quarter, optimism remains high among watchers of global monetary reform. Whether January brings breakthroughs or continued delays, the signals are louder than ever.
Stay grounded, patient, and informed.
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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: GM everyone! Hoping everyone had a Merry Christmas
Member: TGIF……..Are we there yet???? Stop the car Mark we need to RV!!
MZ: Hope everyone had a Merry Christmas
Member: Apparently we all survived getting our RV Lump of Coal again for Christmas
Member: Today is boxing day in the UK and Canada.
Member: Anyone else have the Heebie Jeebies this morning….like something is a bout to happen???
MZ: Bonds are still quiet, but 2 of my Asian contacts are convinced that they are still going before the new year. Take this with a trainload of salt- but their rumors are – they are being told that they will release on Jan 1st….and that we will get our currency notices on Jan. 2nd. That is what they are telling them right now. That is their chatter right now.
MZ: I do have some group contacts that have a travel day tomorrow to go back out west to the Reno area. Hopefully we will hear more news tomorrow.
Member: (From Dinar Guru) Mnt. Goat: We have been told that Iraq is going to try the 3-year budget again and there will be another tripartite budget for 2026-2028 and it can’t be opened until it is voted on and passed in the new parliament . Remember the reasoning behind Dr Shabibi telling us that January is the “best opportune time to reinstate the dinar with a significant rate” is that the annual budget its supposed to be ready to open and allocated out to spend in January... obviously, this may NOT going to be the case but it may be close.
MZ: That pretty much checks out.
Member: Franks contact said Tuesday that the Iraq leaders got together an discuss the finalizing the hcl an implementation of 140. Maybe Monday we hear they passed it?
MZ: I know that they hope to present it on Monday …What Frank is hearing is similar to what I am hearing. Based on that statement.
MZ: “ K-Card Launches 0% commission initiative to support merchants and promote e-payment in Iraq” This is a big move. Part of the monetary reforms to modernize and get money moving in the system. I wish they did this in the US.
MZ: “Connecting the pipes of the floating gas platform to all production stations and putting them into service before June” This is before all the air conditioning and the hot season….This is a plan to unhook from Iran. Iraq is working on being 100% independent and a exporter of gas.
MZ: “Planning : The Central organization for Standardization and Quality Control proves its role in the global regulatory system” they are International and up to speed with the world.
Member: the 6pm dinar recaps rumors from yesterday stated that the global economy reset has started.
Member: Silver in Shanghai hit $83 last night
Member: a silver dime now has 5.20 worth of silver in it
MZ: Isn’t that crazy
Member” Have you heard that most of the all majority banks are short by a billion on silver they don’t have enough metal or silver…maybe a system crash and a reset?
MZ: We are watching the demolition of fiat currency live……imo . “This is what a run on the London silver market looks like” . There is far more demand than there is supply…..A big purchaser of silver- about $4.something billion….a mystery buyer demanding physical delivery of silver…..I don’t know if this will hit the markets today but by Monday it should definitely start affecting markets. Buckle up and watch this starting early next week.
Member: Black Swan event is on the way
Member: I wonder what happened to opening Fort Knox to see if there is gold actually there?
MZ: “Globally-the dollar records worse performance since 2003” IMO the implosion is happening right in front of us.
Member: Syria is releasing new currency on Jan 1.
MZ: Yes “Syria to announce new currency on Jan.1, 2026”
Member: Iran is also about to lose 4 zeros.
MZ: Iran’s may be a simple lop, They are not stable so I think there will not be any kind of revaluation. IMO
Member: will the dinar rate be over $3?
MZ: I believe the dinar rate will be over $3.
Member: Is the Zim still in the RV?
MZ: I believe so….I believe it will be used as a humanitarian process and not a currency.
Member: What about the Bolivar?
MZ: I think they will do well.
Member: Mark, do you think we are close to be able to exchange ???????
Member: I haven't heard anyone speaking about the St Germain or Rodriguez Trusts this Christmas? I wonder – were they opened?
Member: Next week is a new year and a new first Quarter……hopefully a new financial system, asset backed currency and reset.
Member: It makes sense that it starts at the new year……fingers crossed.
MZ: My podcasts should go back to normal next week except no podcast on New years Eve (Wednesday Night)
Member: Hello MODS, thank you for all of your hard work throughout this year, and always. We love and appreciate all of you.
Mod: BREAKING NEWS: MarkZ's WEEKEND OR WHEN TRAVELING email address: Don't Write Me@NeverOnWEEKENDS.Com SERIOUSLY, MARK NEEDS A LITTLE TIME FOR HIMSELF FOR REST AND REC. THANK YOU!
Thursday, December 25, 2025
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