The Central Bank of Iraq introduces a new electronic system for replacing damaged currency.

The Central Bank of Iraq introduces a new electronic system for replacing damaged currency.

link    I did the video it's below

Transcripción en español al pie de la página 

The Central Bank of Iraq announced on Sunday the introduction of a new electronic system for replacing damaged currency, as part of its efforts to simplify procedures and make it easier for citizens to access this service more quickly and efficiently.

The video for this My FX Buddies SPecial Edition blog post is below here:

The bank explained in an official statement that the system allows citizens to submit requests to replace damaged currency electronically via the “Aur” platform, by entering and confirming the required data, and the competent authorities in the Central Bank of Iraq will complete the necessary procedures to complete the replacement process.

The statement affirmed that the introduction of the system comes within the Central Bank of Iraq’s directions towards digital transformation and the development of services provided to citizens, which contributes to simplifying procedures, reducing time and effort, and raising the efficiency of banking services provided to the public.

The statement noted that citizens wishing to benefit from the service can submit their applications through the "Our" electronic platform via the link: https://currency.app.cbi.iq.

The bank also made it possible to view the details of the "Instructions for Replacing Damaged Currency" through its official website via the following link:

https://cbi.iq/page/86 .

video instructions below here:

 

Damaged and defective banknotes and replacement standards

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Instructions and standards for handling and exchanging banknotes, and counting and sorting mechanisms

 

The Central Bank of Iraq, pursuant to its amended Law No. 56 of 2004, is responsible for determining the denominations, sizes, and shapes of Iraqi currency (paper and metal), printing banknotes, and minting coins. It is also responsible for their destruction, replacement, and identification of defective currency. The Central Bank may refuse to replace or confiscate such currency (paper and metal) if the conditions outlined in these instructions are met. Iraqi banknotes are uniform across all denominations, possess absolute legal tender status, and are accepted by the Central Bank of Iraq, its branches, banks, institutions, and the public. Discrimination between denominations by imposing a specific denomination on the public or refusing to accept a particular denomination is unacceptable and illegal. We urge all banks to adhere to the instructions and standards for the circulation and exchange of banknotes, as well as the counting and sorting mechanisms, as detailed below:

 

1. Standards for the circulation of banknotes

A- Banknotes valid for circulation

The banknote issued by the Central Bank of Iraq remains valid for circulation even if it is exposed to any of the following:

First: If a tear or more occurs in it that does not exceed (3) cm and is repaired with transparent adhesive tape from one side or from two sides and does not affect its features.

Second: If it has a cut in one of its corners by about (2) cm and it does not affect its features.

Third: If signs of handling and use appear on it, and it has not suffered any harm or damage that affects its shape, color, and size.

 

b) Banknotes that are not valid for circulation

First: Banknotes are considered invalid for circulation if one of the descriptions listed below applies to them, and their holder shall be compensated for their full value   [ except for damaged banknotes as described in paragraph (1/B/Second/3)] immediately upon their presentation to government and private banks and their branches. The banks shall subsequently deposit them with this bank or one of its branches, and the equivalent amount shall be credited to their accounts without imposing any penalty.

1. If the banknote is worn or damaged, even though it is not torn and no parts of it are missing.
2. If the paper consists of two parts (different numbers) and its area is similar to the area of ​​the original banknote and it is fixed with adhesive tape.
3. If the banknote is secured with one or more transparent adhesive strips along its length or width.
4.  If the banknote has a cut in more than one corner.
5. If the banknote is defective in printing (in terms of design, size, color, or other security features that a genuine banknote has).
6.  If it contains seals or writings that do not affect its external appearance.
7. If the banknote loses less than 50% of its area.

Second: Banknotes damaged as a result of burning, burial, or any other reason:

 

Damaged banknotes resulting from burning, burial, or any other reason not mentioned in paragraph (1/b/First) shall be received exclusively by this bank and its branches according to the following mechanism:

1. Required documents:

A-  Civil status ID, unified card, or department ID and residence card with the citizen's phone number.

B-  Support from the police station or a judicial authority in the event that banknotes are damaged as a result of being shot or contaminated with blood as a result of accidents.

c) Providing proof of the source of funds, as follows:

• Any amount exceeding (10,000,000) dinars (ten million dinars) up to (25,000,000) dinars (twenty-five million dinars) requires the submission of the department’s identity if the employee is employed, or a payslip showing the amount of income and length of service, or proof of an income source that corresponds to the size of the amount to be exchanged. The earner must submit proof of practicing his profession, such as a professional practice license from the competent sectoral authorities, a shop lease agreement, a production car annual certificate, or anything else that proves the existence of an income source that corresponds to the size of the amount.
• Any amount exceeding (25,000,000) dinars (twenty-five million dinars) up to (100,000,000) dinars (one hundred million dinars) requires the submission of property ownership documents, shares, a sales contract, or any official documents proving the legitimacy of the source of those funds (company ownership document, partnership, contract, or equipment contract) in accordance with the size of the amount submitted.

2. If the required documents submitted are not satisfactory due to their lack of authenticity or their inappropriateness and the size of the amount submitted, the applicant shall be referred to the legal department for the purpose of submitting a written undertaking in which he assumes legal and criminal responsibility for the accuracy of the information submitted and that those funds came from legitimate sources and are not related to any illegal work or suspicious operations.

3. A fine of (10%) of the value of damaged banknotes shall be collected in favor of this bank, due to their damage as a result of misuse, burial, burning, or any other reason, with the exception of banknotes damaged as a result of circulation, the details of which are shown in paragraph (1/B/First), which shall be replaced without imposing a fine.

4. If it is not possible to count the damaged banknotes, they shall be estimated by a committee formed for this purpose, and the committee shall issue its decision within fifteen working days.

 

2. Confiscation of damaged banknotes:

Damaged banknotes deemed unfit for circulation, as described below, will be confiscated. The holder or the party who presented them will be notified of the confiscation decision. Those whose banknotes have been rejected and confiscated have the right to submit a request to the Governor or his designee, through the Director General of Issuance and Treasury or the Director General of the bank branch, to reconsider the decision. The decision of the Governor or his designee will be final.

A-  If changes are made to the external appearance of the banknote as a result of writing, drawing, printing, stamps, or if it contains an adhesive substance.

B-  If the banknote loses 50% or more of its area or is made up of two parts on one side, and in the event there is evidence that convinces the central bank that the missing parts of the banknotes have been completely destroyed, they shall be partially or fully compensated for.

 

3. Confiscation of counterfeit and perforated papers:

• The counterfeit papers are confiscated, and the person in possession of them is provided with a receipt confirming receipt of those papers by the cashier or a competent employee of the Central Bank of Iraq and its branches and all banks and their branches. The details (number of counterfeit papers, their denominations, the name of the depositing customer in whose deposits they appeared and his account number) are recorded in a register by the cashier.
• The confiscated counterfeit papers are stamped with the counterfeiter’s seal bearing the name of the bank and branch and sent to the central bank by way of an official letter containing the information in paragraph (a) above.
• Banks must act in accordance with our letter No. (9/4/551) dated 1/12/2024 in the event of discovering counterfeit papers.
• A banknote is altered to make it look similar to a real banknote by placing or attaching different parts of counterfeit or fake currency.
• Banknotes with four holes in each banknote that were leaked from the banknotes that were invalidated and prepared for destruction in our branch (Mosul) after the occupation of it by terrorist gangs in 2014, where the holes were glued on for the purpose of promoting them as shown in Appendix No. (1), are to be confiscated by the banking system and handed over to the Central Bank of Iraq.

 

4. The mechanism for counting and sorting banknotes in banks

 

• Banks must prepare counting and sorting centers with an area that is appropriate to the size of their deposits, and they must seek to acquire modern machinery and update it continuously to ensure the counting and sorting of banknotes that they receive from their customers, while employing qualified workers to do this, provided that we are provided with the number and types of machines used by the General Administration and its branches.
•  Banks send their cash deposits to the vaults of this bank and its branches after counting, sorting, and separating any damaged banknotes.  The deposits are then placed in well-sealed, high-quality bags using specialized bag-sealing machines. An additional strip of tape is added at the seam for extra durability, along with adhesive tape matching the color of the banknotes inside. An identification tag is placed on each bag describing its contents (banknotes), the bank's name, the denomination, the name of the person who packed the bag, and the deposit date (either on the bag or the identification tag). Ideally, each bag should be labeled with the name of a single cashier and contain 40 bundles of 1000 banknotes each, securely tied at both ends using specialized machines. Each bundle should contain 10 packets, and each packet should contain 100 banknotes. Two identification tags should be placed on the first 100 banknotes and the last 100 banknotes, stamped with the bank's name, the full name of one cashier, the denomination, and the date. If there is more than one cashier, the tags should be added. A box in a single bag or identification papers that do not belong to the depositor's bank, which records the differences to the bank.
• The name of the cashier cannot be determined for the discrepancies discovered in bank deposits if the counting and sorting operations in this bank were carried out through universal machines and the discrepancies are recorded on the bank.
• The packaging of one bag (40 bundles) is done in two ways, as follows:

First: The denominations (250, 500, 1000, 50000) dinars are arranged vertically in (7) bundles for five rows, so the number becomes (35) bundles. As for the remaining five bundles, two of them are arranged horizontally on the sides and the remaining three are arranged vertically in the middle, so the number becomes (40) bundles.

Second: The denominations (5000, 10000, 25000) dinars have a base of (4) bundles horizontally in two rows and a height of (10) bundles, so that the total number of bundles in the bag becomes (40) bundles.

 

• For regulatory purposes, banks are required to notify the central bank of the date and amount of deposits in both currencies (local and foreign).
• Banks should open windows for the public to exchange damaged and worn banknotes, announce this through informational signs and advertisements, organize a special register for damaged currency, deliver it to this bank and its branches, promote the circulation of small denomination banknotes, and supply all bank branches with them.
• Banks deposit damaged banknotes received from their customers or from the general public, regardless of the quantity, even if it is a single banknote, provided that they are properly sorted and genuinely damaged. They are sent with letters indicating their condition and amounts, according to a delivery schedule determined by the Issuance and Treasury Department. If there are banknotes suitable for circulation in your damaged deposits and in large quantities, it is considered a banking violation for which the bank is held accountable.
• Those authorized to review this bank/issuing department and treasuries are nominated through the electronic platform dedicated to this purpose, as well as the names of the bank's employees used to transfer cash deposits into this bank, their addresses and identification documents, provided that they carry identification cards (badges) specific to the bank, otherwise the bank bears the legal responsibility.
• Correspondence with this bank shall be signed by the Director General of Government Banks, the authorized manager for private banks, and the regional manager for foreign branches, or their representatives in their absence.

 

5. The mechanism for counting and sorting banknotes at the Central Bank of Iraq:

• Fines imposed on discrepancies discovered in your Iraqi banknote deposits are calculated as follows:

First: The discovered increase is recorded in the bank's current account deposits.     

Second: The discovered shortage in the bank’s deposits is recorded on his current account and a fine is imposed in the manner determined by the bank from the value of the banknotes (the shortage). The fine rate has currently been set at (100%) of the value of the banknotes with compensation for the shortage from his account.

Third: In the event that counterfeit banknotes are discovered within the bank deposits (whether they are identical or different from the declared category), they are confiscated and a shortage is recorded in both cases (an increase or decrease of 100 banknotes), and the fine percentage is recorded in the manner determined by the bank. The fine percentage is currently set at (500%) of the value of the counterfeit banknotes discovered, with the shortage being compensated from the bank’s account.

Fourth: When Iraqi banknotes appear that are in violation of the authorized banknotes, their number is recorded as a decrease in both cases (more or less than 100 banknotes) with the imposition of a penalty for the decrease at a rate of (100%) and the discovered banknotes (of different denominations) are recorded in the bank’s deposits to its current account.

Fifth: When non-Iraqi currency denominations appear, they are handed over to the bank's authorized representative and a shortage is recorded in both cases (an increase or decrease of 100 notes) with the imposition of a penalty for the shortage at a rate of (100%) of the authorized denomination.

Sixth: Banknotes perforated with four holes, as referred to in paragraph (3/e) and discovered within bank deposits, shall be confiscated and recorded as a shortage in both cases (an increase or decrease of 100 banknotes), with the penalty for the shortage imposed as in paragraph (5/a-second).

• The bank has the right to object to the results of the counting and sorting within one week from the date of being notified of the results, and the bank's authorized representative is allowed to view the video recording made by surveillance cameras of the process of opening the bank's bags.
• Official communications and correspondence with the Bank Follow-up and Reconciliation Department, and sending the results of the counting and sorting operations and copies of the identification papers for the cashiers via email ( followup.iss@cbiraq.info ). The identification papers will be destroyed seven days after the bank is notified of the differences, and the bank has no right to claim them.
• The receipt and delivery of banknotes in both local and foreign currencies will take place during official working hours, currently set from (8:30-2:00). No vehicles or persons belonging to the banks will be allowed to enter outside of these times. These deposits and withdrawals will be transported and received by secure vehicles to or from this bank. If your deposits are delayed beyond the times mentioned above for reasons convincing to the management of this bank and its branches, these deposits may be received as a trust for a period not exceeding one working day, according to a trust deposit form. The amounts received must be packaged and sealed with the bank's seal in a way that ensures they cannot be opened except in the presence of an authorized person on the morning of the following working day for the purpose of withdrawing the trust and conducting the initial examination of it.
• The responsibility of the Central Bank of Iraq and any bank, cashier, or any person is at the point where the banknotes leave its possession. The person receiving the banknotes is supposed to not leave the point of receipt before verifying the amount. The recipient of the banknotes from this bank may request to have the counting operations carried out by him and whomever he wishes from his department’s staff, under the supervision of the Central Bank’s employees, including providing and preparing all the counting requirements of counting machines and bundles. After the counting process is completed, the bank becomes responsible for the banknotes it pays out, even if they bear the identification cards of the entities from which they were received .
• If the bank discovers an error in its deposits (an increase or decrease) and before the counting and sorting process of those deposits is carried out, it must inform the Issuance and Treasury Department at the end of the deposit day or at the beginning of the following day, by sending an official letter in which the amount of the error and the type of category are accurately specified. After the counting and sorting processes of those deposits, the difference amount is verified to match what is mentioned in the bank’s letter, in the presence of the authorized person, and the bank compensates for the decrease without imposing a penalty or delivers the increase, if any, according to an official report.
• If a bank keeps the identification cards of the central bank or another bank and includes its deposits and pays them for circulation in that manner, it is considered a violation for which the bank will be held accountable.

 

6. Foreign banknotes

• Cash deposits: This bank accepts deposits of foreign banknotes subject to a counting and sorting fee for all denominations and issues, according to the mechanism outlined below:

First: Adherence to the official deposit times mentioned in paragraph (5/d).

Second: Sending an official letter to this bank authorizing the bank’s employees to deposit foreign banknotes, and in accordance with the deposit slip, which shows the details of the amount and is stamped with the bank’s seal, the name of the authorized person and his signature.

Third: Sending an electronic memory containing the numbers of the deposited banknotes along with a paper list of the numbers for every (100) banknotes. In case of non-matching numbers, the numbers recorded by the bank shall be adopted.

Fourth: Banks send their foreign currency deposits (dollars and euros) after counting, sorting and packing them according to currency denominations to the vaults of the Central Bank of Iraq and packing them in good quality bags (thick nylon). Each bag contains (10) bundles (ten bundles) as a maximum, and each bundle contains (1000) banknotes (one thousand banknotes) tied tightly and distributed into (10) bundles (ten bundles). Each bundle contains (100) banknotes (one hundred banknotes) packed in nylon bags and sealed by heat ironing or sewing them with the designated machine after adding a strip to increase the bag's durability. An identification card is placed on the bag describing its contents of banknotes, the name of the bank, the type of denomination, and the date of deposit, along with including the name of the person who packed the bag.

Fifth: The foreign banknotes deposited on the same day are counted and sorted. If there are any discrepancies, the bank's authorized representative will make the compensation directly. If it is not possible to count and sort them on the same day, they are deposited in the foreign currency treasury for counting and sorting, and the working date is determined later.

Sixth: Counterfeit foreign currency (dollars and euros) will be confiscated, with the shortage being compensated by the bank's authorized representative.

Seventh: In the event of a shortage in foreign currency deposits (dollars and euros), it will be compensated by the bank's authorized representative.                                                                                                                                                   

 Eighth: When an increase in foreign banknotes appears, they are delivered to the bank's authorized representative against a receipt.

Ninth: When foreign banknotes appear that are different from the authorized banknotes, they shall be replaced with the same denomination and any shortage shall be compensated for by the authorized person.

Tenth: Filling one bag involves placing two bundles horizontally in two rows, so the number of bundles becomes (8) bundles. As for the last two bundles, they are vertical to the third row, so the number becomes (10) bundles.

Eleven: When damaged foreign currency deposits appear among the bank's deposits and are rejected by the counting and sorting machines, the bank has the option of either compensating for the number of notes or having this bank replace them through the Federal Reserve, provided that the bank bears the cost of replacement.

Twelve: The bank shall be provided with a receipt of confirmation in the event that the accounting entry cannot be made, and it may be received as a trust as in paragraph (5/d).

• Cash payments:

First: Cash payments via the foreign currency buying and selling window:

• Providing the bank with a written undertaking upon receiving the subscription amount for the foreign currency buying and selling window, obliging it to distribute the share of the companies participating with it according to the electronic distribution of this bank and sending the undertaking within (48) hours.

Second - Cash payments from the bank's balance with this bank:

• The bank is committed to providing Excel spreadsheets with the numbers of foreign banknotes received, distributed to the last beneficiary in installments or a single payment. If the bank does not distribute all or part of the amount, we are notified in an official letter showing the amount remaining in its vaults.
• The bank is not allowed to submit more than one withdrawal request per day.
• The criteria used to reject foreign banknotes (dollars and euros) during counting and sorting operations if they meet one of the descriptions detailed below:

First: If it has a cut in one of its corners, or it has been gnawed, or it has lost any part of the paper area.

Second: If it is torn and repaired with transparent adhesive tape from any side.

Third: If it contains a large seal or several small seals that affect its features.

Fourth: If signs of wear and tear (deterioration) appear on it, affecting its shape or features.

Fifth: If foreign materials stick to it and affect its features, such as inks, dyes, glues, ground, cooked, pasteed materials, fats, or oils.

Sixth: If it is stored in incorrect storage conditions, which leads to it turning yellow or emitting a musty smell.

 

7. Mechanism for transferring cash deposits

All banks must use their own armored vehicles or those of entities specialized in transporting funds for the purpose of transporting cash deposits to and from this bank and between banks, and provide us with the types and numbers of the armored vehicles or the entity responsible for the transport.

 

8. Compliance with the instructions outlined above

If banks fail to comply with the applicable instructions, repeat banking violations, and fail to respond to our letters when requested, the Issuance and Treasury Department will recommend referring the violating bank to the Committee for Determining the Sanctions Imposed on Banks and Non-Bank Financial Institutions in accordance with the Central Bank of Iraq Law.

 

9. The above instructions shall come into force from the date of issuance of the book and shall replace all our previous books and circulars on this matter.

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The US Treasury lifts restrictions on a number of Iraqi exchange companies - Breaking News

 

link

 

The US Treasury lifts restrictions on Iraqi exchange companies

The US Treasury Department has lifted restrictions on a number of Iraqi exchange companies, after verifying that they meet the compliance standards approved by the Central Bank of Iraq, allowing them to return to participating in dollar sales to travelers.

This step comes as part of strengthening compliance with regulatory controls and organizing foreign currency sales operations in accordance with approved frameworks.

Swift credits reach local banks, but traders are stuck between two exchange rates - Urgent

 

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The SWIFT transfers of foreign credits arrived at the local banks on Sunday, but the local banks are still refraining from releasing them to traders and importers, amid uncertainty about the approved exchange rate.

A source told Baghdad Today that private banks attribute their refusal to the lack of clarity regarding the final pricing from the Central Bank, and whether the dollar price will be calculated on the basis of 132,000 or 152,000 dinars per 100 dollars.

He added that the Central Bank of Iraq noted, in a letter dated October 7, the adoption of the previous exchange rate for amounts deposited before the change in the dollar exchange rate.

The source pointed out that the delay in launching the SWIFTs and the ambiguity regarding the exchange rate coincided with a noticeable rise in the dollar prices in the parallel market.

(The right of reply is guaranteed to private banks and to anyone whose name or title was mentioned) 

In response to what Baghdad Today published, the Central Bank directs banks to facilitate foreign transfers - Urgent

 

link

The Central Bank of Iraq directed all licensed banks to facilitate foreign transfer procedures for their customers and completed transactions, while strengthening their account balances abroad according to their needs.

According to a letter issued by the Investment Department of the Central Bank and received by "Baghdad Today", the bank will work to strengthen banks' balances abroad according to their needs, while exempting them from the deposit period requirement through the RTGS system.

The directive comes in response to what was published by Baghdad Today regarding the delay in releasing the SWIFTs of foreign credits for traders and importers, amid ambiguity about the approved exchange rate.

Below is the text of the document as received by Baghdad Today. 

 

Licensed banks under pressure from the Central Bank: 4 days to complete foreign transfers - Urgent

 

link

 

The Central Bank of Iraq directed licensed banks on Sunday to complete foreign transfer operations within a maximum period of four days, warning of punitive measures against banks that exceed the specified deadline.

A source told Baghdad Today that the Central Bank sent a strongly worded letter to all licensed banks, stressing the need to adhere to the specified timeframe for completing any banking transaction related to foreign transfers, and confirming that banks that violate this will face the prescribed penalties.

The source added that the directive comes in support of import operations, and within the framework of the Central Bank’s efforts to reduce speculation and control the parallel currency market.

32 Iraqi banks under dollar restrictions... Will US sanctions expand?

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The Iraqi banking sector is entering one of its most sensitive phases, after years of measures that restricted dozens of banks' access to US dollars, amid accusations of the existence of networks to transfer funds out of the country, and fears that Iraqi financial institutions are being used to circumvent sanctions imposed on Iran.

According to a review by the Independent Press Agency of the official list published on the Central Bank of Iraq’s website in February 2026, 28 banks appear on the list of banks restricted from dealing in dollars, and four banks appear on a separate blacklist, bringing the total number of banking institutions mentioned in the document to 32 banks.

But the figure needs an important clarification: not all of these banks are necessarily subject to the same US sanctions, and restricting dollar transactions does not automatically mean closing the bank, freezing its customers’ deposits, or preventing it from dealing in Iraqi dinars.

28 banks restricted to the dollar

4 banks on the blacklist

32 Total published list

The figures are taken from a document published by the Central Bank of Iraq in February 2026, and are not a new count of US sanctions issued in October.

Concerns increased after the US Treasury Department announced, on October 15, 2026, sanctions against the International Bank for Development, Investment and Finance, as part of a US operation targeting what Washington describes as the financial infrastructure that helps Iran access dollars and finance its external networks.

The US Treasury Department says the bank facilitated financial transactions linked to Iran, used Iranian capital, and sent dollar profits to Tehran. These are official US allegations, not the findings of a published Iraqi judicial investigation.

This escalation raises a central question: Are the US measures limited to specific banks, or is Iraq moving towards a broader phase of restructuring its banking sector, which may include new restrictions and stricter regulatory measures?

First: What does it mean to prevent the bank from dealing in dollars?

One of the common mistakes in dealing with the Iraqi banking file is treating the terms “dollar ban”, “American sanctions”, “guardianship”, and “license cancellation” as identical procedures.

In fact, these are different procedures in their causes and legal and financial implications.

Type of procedure	What does this mean in practice?
Dollar restriction	The bank is prohibited from participating in designated dollar channels, and this may extend to direct and indirect dealings.
US OFAC sanctions	Restrictions on funds and transactions may apply depending on the type of listing, and may include asset freezes and bans on US transactions.
Banking guardianship	Supervisory intervention in the management of the bank or oversight of its management in accordance with Iraqi law.
Withdrawal of leave	Termination of banking license in accordance with legal procedures
Ban on bank correspondence	Transfers could not be made through a correspondent bank or in a specific currency, either due to a regulatory decision or risk management.

The Central Bank of Iraq clarified in an official statement dated July 20, 2023, that banks prohibited from dealing in dollars can continue to provide their services in Iraqi dinars, as well as conduct international transactions in other currencies within the applicable regulations.

He also confirmed at the time that the external transfer requests from banks affected by that round of restrictions did not exceed 8% of total transfers. This percentage pertains to the period covered by the statement and should not be generalized to the current transaction volume in 2026.

Second: The official list of banks restricted from dealing in dollars

These are the names of the 28 banks listed in the first section of the Central Bank of Iraq document, along with their bank identification numbers as published in the document. These codes are not bank account numbers or numbers related to US sanctions decisions.

List of restricted banks – 28 banks

there is much more to this article more tables and graphs and questions and answers it won't fit here so if you want to read all of that click here

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Tienen un... Incluso tienen un video de instrucciones para ellos. Es como de 47...3:50
minutos. Déjenme ver. ¿Es este? Sí, dije minutos. 47 segundos. 56 segundos.4:02
Pero por supuesto, todo está en árabe. No hay palabras. Solo son capturas de pantalla.4:09
Así que, pero um, lo miraré más tarde como esto. Quiero tratar de ver si puedo...4:17
conseguir que lo traduzcan. Pero volvamos.4:23
Así que, el Banco Central de Irak anunció el domingo la introducción de un nuevo...4:30
sistema electrónico para reemplazar moneda dañada como parte de sus esfuerzos para simplificar los procedimientos y hacerlo más fácil,4:40
disculpen, [aclara la garganta] para que los ciudadanos accedan a este servicio de manera más rápida y eficiente. Ahora, eso no es...4:48
nuevo. Ya tenían reglas y todo eso. Bien. El banco explicó en un comunicado oficial que...4:56
el sistema permite a los ciudadanos presentar solicitudes para reemplazar moneda dañada...5:03
electrónicamente a través de esta... a veces es solo UR, así que quién sabe, pero...5:11
ellos saben, así que eso es lo más importante, ¿verdad? plataforma ingresando y confirmando los datos requeridos y las...5:18
autoridades competentes en el Banco Central de Irak completarán los procedimientos necesarios para completar el proceso de reemplazo...5:26
El comunicado afirmó que la introducción del sistema se enmarca dentro de las directrices del Banco Central de Irak hacia la transformación digital y el...5:36
desarrollo de los servicios proporcionados a los ciudadanos, lo que contribuye a simplificar los procedimientos, reducir el tiempo y el esfuerzo y...5:45
elevar la eficiencia de los servicios bancarios proporcionados al público. Así que, y esta es una forma...5:53
también quizás los ciudadanos digan: no sé si confío en eso, pero ya tienen esta moneda dañada...6:02
que están guardando. No la han entregado. Así que quizás la usen para ver si funciona, ya saben, ya saben...6:10
cómo son los humanos. Bueno, voy a probar a ver si funciona, ¿verdad? Luego si funciona, quizás la use, ¿verdad? [risa]6:19
Así que, uh, en esto tienen un enlace a un CBI, pero ven lo bajo que es este número.6:26
Ya están en 200 y algo.6:29
Así que esto es 86. 86. Eso es gracioso porque luego los lleva a este...6:36
uh documento. Así que, si no han visto esto antes, entonces este es un excelente momento para que lo vean. Billetes dañados y defectuosos...6:45
y estándares de reemplazo. Así que es una lista. Les dicen, ya saben, la ley de 2004.6:54
Aquí les hablan sobre los billetes.6:58
Um, y luego enumeran todas las cosas que pueden tener. Quiero decir, llegan...7:05
hasta grasa, sangre, si no saben qué es, si algo está roto, si es esto, si es...7:13
aquello, son muy específicos sobre lo que pueden entregar y lo que no.7:21
Así que esto tampoco es nuevo. Lo nuevo es el sistema electrónico...7:28
¿verdad? Les hablan sobre el conteo y la clasificación.7:35
Bien. Um, vean, así que es muy largo...7:45
y lo revisamos. Bueno, yo lo revisé cuando salió por primera vez hace quizás dos años. No sé. Pierdo...7:53
la noción del tiempo. Pero ahí está. Así que toda esta es información importante para que ellos sepan. Así que no tiene...8:02
nada que ver con el RV. Las instrucciones anteriores entrarán en vigor a partir de...8:10
el lo que sea, no sé, la fecha de emisión del libro y reemplazarán...8:16
todos nuestros libros y circulares anteriores sobre este asunto. Pero estoy...8:23
adivinando um si ha habido actualizaciones uh probablemente solo actualicen esa...8:31
página, ¿verdad? Y uh porque no hicieron una página nueva, los envían a la página antigua. Así que sí, a la página original. Y...8:40
como dije, ya lo revisé cuando salió por primera vez porque algunos de nosotros pensábamos: se están preparando para el RV. Se están preparando para darles...8:48
los nuevos billetes, ¿verdad? Pero aquí estamos todavía años después. Bien. Así que pensé que eso iba a ser el final de...8:56
eso, ¿verdad? Por eso tengo las formas de apoyar el canal aquí. Pero definitivamente tienen que hacer clic. Sí.9:05
Hagan clic en el pulgar arriba. Consideren suscribirse, ¿qué es? Háganlo.9:09
Ding. Tienen que activar la campana si quieren que les notifiquen cuando haga nuevas actualizaciones. O consideren hacer clic en el botón de compartir. Solo háganlo. Sí.9:21
Consideren un Super Thanks de YouTube. Oh, definitivamente. Dense hype al video.9:26
Um, podrían ir a “buy me a coffee”, que definitivamente... Oh, tengo. Déjenme um... Debí...9:34
haber tenido esto listo, pero normalmente no hago esto en ediciones especiales, pero ¿por qué no, verdad? ¿Por qué no?9:48
Oh, creo que lo tengo.9:51
¡Yay! Gracias. Gracias. Sí. De todos modos, gracias a todos los que dan el pulgar arriba en los comentarios, pero uno de mis...10:00
apoyadores regulares, JD, gracias. Gracias.10:06
Um, así que Cash App es signo de dólar dishwash y luego PayPal. Bien. Así que grande o...10:13
pequeño, lo aprecio todo. Gracias de antemano por su generosidad.10:18
Bien. Y luego salieron más cosas. Así que el... y todo era noticia de última hora,10:25
urgente todo. El Tesoro de EE. UU. levanta las restricciones a un número de casas de cambio iraquíes. Um, así que esto es solo...10:34
un poquito. Oh no. ¿Saben qué? Puede que me haya olvidado.10:43
[resoplido] Oh, espera. Creo que está al final. Creo que está al final.10:46
Bien. Pero veremos. [risa] Así que el Tesoro de EE. UU. y luego han salido más artículos desde entonces y uno de...10:54
ellos dice con um con el como instando de Ali Z o ya saben, como si él...11:04
hubiera tenido algo que ver. El Tesoro de EE. UU. levanta las restricciones a las casas de cambio iraquíes.11:11
Y debería decir algunas porque no son todas. Sí. Vean, han levantado las restricciones a un número de casas de cambio...11:19
iraquíes después de verificar que cumplen con los estándares de cumplimiento aprobados por el Banco Central de Irak,11:28
permitiéndoles regresar a participar en las ventas de dólares a viajeros. Este paso se da como parte del fortalecimiento...11:36
del cumplimiento de los controles regulatorios y la organización de las operaciones de venta de moneda extranjera además con los marcos...11:45
aprobados. Así que esto se remonta si recuerdan, puede que no. ¿Por qué lo harían, verdad? Cuando Ali Z...11:54
estuvo aquí y pidió esos siete bancos. ¿Recuerdan que había siete bancos de los que decía: “Oh, las restricciones...12:02
van a ser levantadas”? Y luego nosotros dijimos: “Uh, no tan rápido, amigo. Tienes que hacer algunas cosas”. Así que...12:11
um, el gobierno lo ha hecho. Y me pregunto si todo esto tiene algo que ver con el gobierno. Y hay un artículo que dice que...12:20
Washington, no es que aprueben, pero Washington felicita al nuevo gobierno iraquí...12:27
o bla bla bla, pero hablaré de eso más tarde. Pero así casi como si me hubieran oído decir: no sé. Me...12:36
parece un poco sospechoso. [risa] Bien. Ahora, los créditos de Swift...12:43
llegan a los bancos locales, pero los comerciantes están atrapados entre dos tipos de cambio. Así que, por supuesto, ¿qué significa eso? Así que hay...12:52
bancos locales que han recibido transferencias de dólares, ¿verdad? Dice créditos extranjeros.12:58
Vean, ni siquiera están diciendo dinero, dólares. Nos están moviendo a créditos.13:04
Y si ven películas como El Quinto Elemento, Yo, Robot,13:11
cosas así, no hablan de dinero. Hablan de dinero, pero tienes tantos créditos en tu...13:19
cuenta, ¿verdad? No lo llaman dinero. Y pero lo que sea. Pero los bancos locales todavía...13:27
se abstienen de liberarlos a los comerciantes e importadores en medio de la incertidumbre sobre el tipo de cambio aprobado. Pero...13:35
no hay ninguna. Les están diciendo: “Miren, emitimos una carta diciendo que si algo está fechado antes del...13:43
7 de octubre, entonces lo hacen a 1320. Si es después del 7 de octubre, entonces lo hacen a 1520”. Pero...13:51
[risa]13:52
así que entonces el banco central en respuesta a lo que están escuchando dirige a los bancos a facilitar las transferencias extranjeras.14:04
Así que dijeron: no anden jugando. Tienen el dinero de estas personas.14:09
Dennles su dinero. Es así porque son dólares. Disculpen [aclara la garganta]. Para ver esto, el viento y todo realmente está...14:17
afectando [aclara la garganta] mi... y bebí agua y café y todo y todavía me está afectando.14:24
Así que me disculpo por eso. Así que según una carta emitida por el departamento de inversión del banco central...14:33
y recibida por la noticia, el banco trabajará para fortalecer los saldos de los bancos en el extranjero según sus necesidades mientras...14:42
los exime del requisito del período de depósito a través del sistema global en tiempo real. ¿Verdad? Creo que eso es lo que significa RTGS.14:55
Así que están diciendo: no retrasen esto. Estas personas necesitan su dinero. Y están...15:03
incluso renunciando, me suena a que están renunciando a algo, ¿verdad? Están eximiendo este requisito del período de depósito...15:11
porque se han retrasado. Y yo traduje esto y [aclara la garganta] dice más o menos exactamente lo que está aquí.15:21
Así que no hay necesidad de, ya saben, hacer todo eso.15:23
Así que luego salió una carta más fuerte. Bancos licenciados bajo...15:31
presión del banco central: 4 días para completar las transferencias extranjeras. Así que miren [aclara la garganta] nuestro hermoso billete de 100 dólares.15:39
¡Woo!15:41
Bien. De todos modos, um sí. Así que eso es lo que dice esto. Les hemos dirigido a...15:48
manejar este asunto. Ahora, como quieren jugar, tienen 4 días. Tienen 4 días y luego una advertencia de...15:56
medidas punitivas contra los bancos que excedan el plazo especificado porque este dinero es para los comerciantes. Así que los...16:04
comerciantes tienen que comprar cosas por las que tienen que pagar en dólares para poder vender a la gente en Irak que van a...16:13
usar lo que deberían estar usando dinar pero podrían estar usando dólares [risa]16:20
pero de todos modos así que sí, eso salió. Todo esto ya... bueno es de día, ya saben...16:26
allá son las... son las 6:21 de la tarde...16:34
allá. Pero todo esto salió antes de las 5:00 de la mañana, mi hora.16:40
Así que, ahora este es un gran artículo.16:44
32 bancos iraquíes bajo restricciones de dólares. ¿Se expandirán las sanciones de EE. UU.?16:51
Miren eso. ¿No es una foto genial?16:53
Ahora, ellos todavía no se ven así, pero eso es a lo que aspiran. Esto es como el río Tigris o el Éufrates.17:02
No sé. Sí tienen este puente.17:05
Este puente está hecho, pero um estos edificios, no están allí, pero creo que eso es a lo que aspiran...17:13
hacer. Así que esto es sobre el sector bancario, sobre um nuevas...17:22
regulaciones, nuevas uh digitales, nuevas cosas de tecnología.17:29
Pero también desglosa...17:31
[aclara la garganta]17:32
el estatus de los bancos.17:38
Así que hay 28 bancos restringidos al dólar, cuatro bancos en la lista negra y tienen preguntas y respuestas. Oh,17:47
miren, tienen um tablas y gráficos.17:54
Bien. Así que luego puse aquí que hay mucho más en este artículo. Más...18:02
tablas y gráficos y preguntas y respuestas. Oh bueno, cabría aquí porque también publico en otro lado. Um pero...18:13
es... es... es solo para los ciudadanos. Oh, no debería decir eso. No debería decir...18:20
eso. Hay personas nuevas que quizás quieran saber estas cosas. ¿Por qué no está...18:27
esto um esto debería estar funcionando? H porque este es un blog en vivo.18:36
Bien. Bueno, me alegra haberlo probado. Oh, espera. Dice vista previa.18:42
¿Por qué dice vista previa? ¿Eh?18:51
Vean, puede que lo haya revertido a un borrador porque a veces solo soy [aclara la garganta]18:58
casi dije una palabra que ofende a algunas personas. Oh, aquí vamos.19:04
Aquí vamos. A veces solo soy tonto así. Bien. Así que veamos. ¿Funcionará ahora? [aclara la garganta]19:13
Bien. Sí. Así que vean, si quieren ver el resto, [aclara la garganta] solo hagan clic allí y los llevará...19:20
allí, que aquí está.19:26
Bien. [aclara la garganta] Vean. Así que aquí están sus bancos con el código bancario. No necesitamos eso. ¿Para qué...19:33
necesitamos eso? Um, aquí hay más preguntas y respuestas. ¿Por qué estos bancos están en esta lista?19:44
Aquí hay algo. Oh, está cargando lento porque estoy grabando.19:49
Así que aquí hay más. Así que vean, es muy extenso. Muy bueno. Pero muchos de nosotros que hemos estado aquí por mucho tiempo, sabemos...19:58
esto. Um, pero no estoy seguro de por qué están diciendo si se expandirán las sanciones aparte de,20:06
ya saben, acabamos de poner sanciones a un... Um, pero no lo harán.20:15
Están diciendo: “No, no enviamos, no hicimos lo que nos están acusando”. Que era ¿qué? Enviar dinero al vecino.20:24
Bien. Y sí quería mostrarles.20:28
El dólar cerró en el mercado paralelo a...20:37
esto es herbal por encima de 1700.20:42
Cerró en 1704. Así que 1.704,5...20:49
dinares por $1, ¿verdad? Porque quitamos esos dos ceros y quitamos esos dos...20:57
dígitos. Y en el área de Bagdad,21:04
cerró. 1690 es el más alto. Así que todavía tienen problemas.21:12
Sí, todavía tienen problemas para mantenerlo. Y estaba relativamente estable. No sé qué pasó. Algo...21:20
pasó este fin de semana para que subiera así. Pero de todos modos, esta fue una edición especial.21:29
Um, me parece gracioso ver todo este movimiento tan rápido, lo cual me alegra ver todo este movimiento. Y realmente,21:37
tal vez me estoy adelantando, pero realmente creo que pueden usar este sistema, este nuevo...21:46
sistema, este sistema electrónico para reemplazar moneda dañada.21:52
o quizás un sistema similar cuando llegue el momento de entregar también sus billetes de 30.22:01
Pero veremos. Bien. Así que gracias por ver. ¿Hicieron? ¿Hicieron clic en el pulgar? Bien. Pulgar arriba. Gracias.22:11
Bien. Así que, um cerraré con acumular mientras esperamos a que el tipo de cambio se aprecie.22:19
No se salten ninguna comida y paguen todas sus facturas. Disfruten el resto de su domingo. Domingo.22:26
Y um [aclara la garganta] sí, porque volveré. Bueno, pretendo volver. Bien. Gracias de nuevo.