Dinar Observer Daily

Clare – Dinar Guru  Article: “After the Kormor attack, Savaya told the Iraqi government: Let it be clear, there is no place for armed groups” Quote:  “Mark Savaya, President Donald Trump’s envoy to Iraq, stressed on Thursday the importance of eliminating ‘armed groups’ from Iraq, indicating that America supports a strong Kurdistan within a unified and stable Iraq. Savaya said in a post on the X website…’armed groups operating illegally and moving with hostile foreign agendas carried out an attack yesterday on the Kormor gas field.’ The Iraqi government must identify those responsible for this attack and bring them to justice. Let it be clear that there is no place for such armed groups in a fully sovereign Iraq.“

Kaperoni – Dinar Guru   Looks like the new CBI building is almost done.

Sandy Ingram – Dinar Guru   I’m going to explain why the IQD revalue may finally happen and when and the process of what’s going on.  Never have I ever made any predictions before and I’m still not making a prediction.  What I’m telling you is based upon the facts and the news that have been confirmed and verified, things are pointing to a set chain of events… The potential is the Iraqi dinar will rise in value on its own as time goes forward…The development road project will force Iraq to modernize its banking system.  That’s already happening. This gives the central bank of Iraq the environment to raise the value of the dinar because if they don’t raise the value, they’re going to leave millions and millions and millions  of dollars on the table.

Samson – Dinar Guru  Article:  “WITH DOCUMENTS : THE CENTRAL BANK OF IRAQ ISSUES STRICT INSTRUCTIONS FOR BANKS TO DEAL WITH SOCIAL MEDIA CELEBRITIES AND INFLUENCERS“

Militia Man – Dinar Guru  They’re not going to tell you exactly when that’s going to happen.  The change can happen quickly with minimum disruption.  How do we know that? Because the last revaluation of Iraq, Alaq just came out at one moment and said effective immediately we’ve changed the rate.

Clare – Dinar Guru  Article: “The Central Bank on the decision to include celebrities in ‘money laundering’ investigations: It’s to protect the economy, not to restrict it“  Quote:  “The Central Bank of Iraq confirmed on Wednesday that classifying social media celebrities and influencers as being involved in money laundering was done to protect the national economy and does not represent a ‘restriction’…the Central Bank of Iraq’s circular regarding the official warning to banks and financial institutions against dealing recklessly with social media celebrities and influencers, and classifying them as (high-risk and multiple-risk clients), is extremely important.“

Clare – Dinar Guru   Article:  “Trump’s envoy: Fundamental reforms are needed in Iraq”  Quote:  “Mark Savaya, President Donald Trump’s envoy to Iraq, renewed the United States’ support for ‘legitimate’ Iraqi security institutions, noting that the partnership between the two sides has made significant progress over the past years.”

Militia Man – Dinar Guru   This isn’t just Iraq doing this [currency reform].  This is the world helping, the largest financial systems in the world, IMF, United States Treasury and Bank of International Settlements.  Those are the gatekeeper.  They are making sure they do this right…

Kaperoni – Dinar Guru   The only way the Iraqi dinar can rise in value has to be based on Iraq’s own economic growth and diversification of their economy. This takes time and would be gradually.

Sandy Ingram – Dinar Guru   Article: “Pentagon awards $252 million Iraqi F-16 contract to US firm“

Jeff – Dinar Guru   The elections are the turning point to Iraq going international.  It’s these elections that bring in and introduce the rate change.  When they form the government and complete the elections, they will also be implementing the banking reforms.  But I want you to understand a critical piece of the puzzle.  Before they can bring forward the banking reforms, they have to revalue the currency because part of the banking reforms have to do with foreign currency practices, rules and policies.  The rate has to change for those foreign currency measures. 

Clare – Dinar Guru  Question: “Wouldn’t the official rate (not the exchange rate) between the old and new currency introduced Have to be 1 to 1 for us to obtain any wealth from this?” ONCE IT IS ON FOREX WHICH IS THE GOAL, YOU WILL BE ABLE TO EXCHANGE AT THE RATE IT IS AT THE BANK YOU CHOOSE AT THAT TIME, FOR WHATEVER CURRENCY YOU WANT IT EXCHANGED IN IMO.

Mountain Goat – Dinar Guru   …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.

Clare – Dinar Guru   Article:   “As confirmed by Shafaq News, the US Deputy Secretary of State will visit Baghdad and Erbil on Thursday“

Sandy Ingram – Dinar Guru  It’s going to be harder to get the Iraqi dinar.  You’re going to want to hold on to your IQDs.  Do not play with them.  Do not compromise them in any way.  And don’t do what I did.  I put mines into a safe deposit box.  And now because the bank couldn’t keep up with all my different [digital nomad] locations, the price of the deposit box increased and I have a balanced owed.  Therefore the bank has taken the IQD which I can get back but I have to come back to the US and do the paperwork …Don’t put your IQD into safe deposit box because no matter what happens …you may not be able to access your safe deposit boxes.  Find another way and another place to safely secure your IQD bank notes.  [Dinar Guru Note:  Consult your financial advisor to determine the best storage solution for your unique circumstances.]

Kaperoni – Dinar Guru   Article:  “The National Bank of Iraq successfully completes its transition to the new global standard, SWIFT MX“

Jeff – Dinar Guru    Article:   “Iraq anti-corruption and arbitration initiative enters new phase“  2012/2014 the central bank was coming out stating due to political corruption they’re not ready to consider revaluing the currency …That’s the number one item they want to control, reduce and eliminate, put banking reforms in place, digital electronic banking to control  transaction and tracking and so forth…Iraq is shifting towards full international compliance because they’re going International.

Militia Man – Dinar Guru  There was an article out that has a lot of people unnerving…But you got to really get the context…The Iraqi dinar exchange rate…had a lot of turmoil.  You see things all over the internet.  This is based on the CBI official statement from November 24, 2025…The central bank states there’s no intention to adjust the exchange rate of the Iraqi dinar…Inflation has dropped to historic lows, the lowest in the region…The bank supports the current exchange rate with ideal levels of foreign reserves, currencies and gold…This isn’t chaos, It’s preparations for smooth operations…  [Post 1 of 2….stay tuned]

Militia Man – Dinar Guru   In the 2012 Interview at the US Chamber of Commerce, [then CBI governor] Dr. Shabibi…noted that before major adjustments like a real effective exchange rate update, there would be a short burst of what he called ‘propaganda use’. This means a wave of articles, statements and leaks that seem like disinformation or hype.  The goal,  flush out speculators and provide cover so the bank to act quietly when ready… Look at today’s CBI statement through that lens…Strong denials of change, the dismissal of external talk as market confusion, it matches Shabibi’s description of the final phase before potential moves…A lot of the things I saw on the internet today, I just smile and like it…Shabibi’s insights  remind us the real story often hides in the preparation, not the headlines.  So stay informed…  [Post 2 of 2]   [Dinar Guru Note:  See Dr. Shabibi’s interview in Guru MarkZ’s 11-25-2025 post below.]

Clare – Dinar Guru  Article: “An economist reveals the reason for the decline in the dinar’s exchange rate in the parallel market”  Quote:  “The real movement in the market is not related to the official exchange rate, but rather to the imminent implementation of the pre-calculation mechanism for customs, a long-awaited step, as starting from 1/12/2025, no bank will be allowed to execute an external transfer unless the customs duties have been calculated in advance.“

Mountain Goat – Dinar Guru  Quote from report by Oliver Wyman:  “2026 will be on ground implementation – meaning distribution of lower notes and a new exchange rate”  We know from former CBI governor Dr. Sinan Shabibi that he along with the IMF are  the architects of the monetary reform plan for Iraq…More than a decade ago he said that a major revaluation of the dinar (like what we are looking for) “is best suited to occur in the beginning of the fiscal year and would most likely also be coincided with a reinstatement to FOREX”.

Militia Man – Dinar Guru   It’s like mirror mirror on the wall who’s telling the truth after all?  …There’s some actor involved.  Who’s telling the truth?  …The key players…do tell the truth.  The 3 biggest voices in Iraq…Sammy, Finance Minister, Alaq, the CBI governor and Saleh, the prime minister’s advisor.  Those are the one I listen to…They’re feeding us  information consistently.  They’re setting the stage…It’s very powerful information…Sammy…Alaq…Saleh… are independent by law…But over the last 30 days they’ve been saying almost the exact same thing using different words…To me this is not an  accident.  This is the mirror we’ve been waiting for because they need to be in line with each other.  They have to be independent but…on the same page.

Pimpy – Dinar Guru   I want you to understand something.  Once the zeros are removed, it’s not going to be 25,000 x $3.22 or $4.25.  That’s not going to happen.  The zeros are going to be deleted.  Your 25,000 dinar now is 25 dinars x $3.22 or $4.25…I have 5,000,000 Iraqi dinars.  After they delete the zeros, multiply that, let’s just say to be on the safe side, just use their $3.22, my 5,000,000 dinars is now worth $16,100.  I’m not mad at that.  I’ll take it.  I know a lot of you think you’re going to be instant millionaires..

Mountain Goat – Dinar Guru  On my Wednesday call to Iraq I was told that we should look for more directions from the CBI to the citizens on how to switch out their larger notes for the lower denominations. My CBI contact refused to give me an exact date as to when the switchout would occur but my common sense says it is VERY close as the CBI is going to publish the directions for the switchout.   I was also told to watch for the Al-Sudani government and the completion of it.  I was also reminded to watch for further information about the accession to the WTO, which I was reminded would be a signal to us…

Pimpy – Dinar Guru   Be careful of all the articles out there that talk about the exchange rate.  It’s okay to talk about them, it’s another thing to get overly hype for them.  The truth of the matter is nobody’s going to know until the actual exchange rate comes out or until they get on the Forex.  That’s when the truth will come out. 

Militia Man – Dinar Guru  The HCL…everybody thinks that we have to wait for that.  I don’t believe that’s the case and here’s why.  Governor Alaq has full legal power to change the exchange rate any single day he wants.  There’s no vote required.  Central Bank law number 56 of 2004, article 27 – The CBI board alone decides the rate.  Parliament cannot stop him.  He has already  done it twice in 2021 and 2023.  He can do it again tomorrow morning if he chooses...You don’t have to worry about parliament  because [the hcl] is going to take place afterwards…once Alaq does a real effective exchange rate.

Sandy Ingram – Dinar Guru  The reason why Iraqi dinar investors may want to be more than concerned [about the next PM’s priorities] is the development road project is on the agenda.  We want that to stay on the agenda because many of us are thinking once Iraq becomes an international trading hub they will have little choice about increasing the value of their currency…

Pimpy- Dinar Guru  When I talk about lopping off the zeros, they’re talking about take it off the nominal rate [the numbers on the notes]... They’re not losing any purchasing power.  25,000 times the currency exchange rate .00076 equals $19.  If you take the zeros off, and that includes the exchange rate, 25 times .76 is still $19.  They haven’t lost any purchasing power whatsoever.  The only thing that’s changed is the nominal value.  The [numbers] on the currency is called a nominal value…They still have purchasing power whether it’s a 25 dinar or 25,000 dinar…because they take the 3 zeros off the currency and it comes off the exchange rate.  That’s how they maintain their value.

Militia Man – Dinar Guru   The need is to get the rate ready first and then pass the laws because it’s going to be cheaper for them to do so.  When they pass these laws it is going to be far cheaper to the country of Iraq than they would be if they were today.  In other words, the plan would be to make it cheaper, more stable, make the system work better for Iraq…The architects of this have been brilliant.  I’m fascinated on how well they’ve done…The last 72 hours the elections have been done, banking rails are live, they’re making fuel at home, Gold and reserves are higher than advertised…BIS application filed and accepted for review…Things are working quietly in the background…Alaq has the legal button in his hands.  Let’s hope he pushes it.

Pimpy – Dinar Guru   Re-denomination is a process of changing the face value of banknotes, the face value.  So a 25,000 dinar becomes a 25.  A redenomination itself is considered symbolic as it does not have any impact on the country’s exchange rate.  The zeros are removed but the purchasing power stays the same…Deletion of the zeros, removing of the zeros, lopping off the zeros, all the same thing.  All they’re doing is change the way the bank notes look but the purchasing power stays the same.