🚨 Banking System Changes Explained | Digital Dinar, SWIFT & Tokenization

Added: 2026-05-20

[00:00:01]Hey guys, this is Melanie Hines. I traditionally do the fastest Iraqi dinar summary on the net, but you do know I have public accounting experience. And people keep asking, or maybe you're not asking, but I'm sensing it. So, I want to do this video before I take a nap and get ready for our 5:00 PM. People keep asking, is the blockchain replacing Swift? What is tokenization? Is the banking system changing right now? Yes to all of that. It's all connected. Like I've been saying, it's all connected.

[00:00:32]So, let me try to explain. Tokenization is kind of like uh something being able to trade on the blockchain, right? So, a US Treasury bond. They just literally had a settlement of a US Treasury bond between using the XRP ledger between JP Morgan with a guy they just hired to run their digital asset portfolio under JP Morgan Kexus or whatever the name of that is. And this guy was from Goldman Sachs. Within eight days of his job, he did a settlement from JP Morgan to Japan on the XRP ledger and they did it off banking hours. So, this just happened like within the last week.

[00:01:14]Tokenization means it could it could be on the blockchain exclusively. Okay.

[00:01:19]Digital assets. Well, you know, we've been studying the Iraqi dinar. I'm the one that talks about the digital dinar.

[00:01:25]Digital assets are they live and breathe on the blockchain. U an example of a digital asset the XRP that everybody holds. Not the XRP ledger that that transaction was done on but the XRP itself is a digital asset. Bitcoin digital asset also a ledger because there's a you know and then there's other digital assets. I talked about that this morning on my Zoom. I told you what my portfolio is and what the asset allocation is for my portfolio. Why do banks care? Like I said, you know how I've said generally everybody wants it?

[00:02:01]Well, banks need faster settlement. Why?

[00:02:04]Because a lot of their money is caught up. For example, if I want to do a wire, like when I paid off my mortgage, I did a wire from my bank to the bank that had the mortgage because my mortgage is sold a lot, right? Mortgages get sold, right?

[00:02:19]So, I I did the wire. I got the instructions, got the wire done, but it took a couple days to settle. This XRP thing that just happened on the XRP ledger happened in 5 seconds from America to Japan. I'm just talking about it took a few days to settle a wire that went from my bank that I've been with many years all the way to my mortgage holder which was here in the US. So, why do banks care? Banks want it. So, how do we think it's going to hand happen? I've often said I think Swift is going to merge because why? Why get rid of the old when you can just upgrade the original system? Banks are slow to change. I used to work with Price Waterhouse. They're now PWC. These things are behemoth companies. They have people all over the world. They change slowly just like any big mammoth companies change slowly. So, they're going to take the existing payment system that the banks are used to and upgrade it with digitized rails. How do they do that? I don't know. I'm not I'm not a systems person, but I'm assuming they're going to take the old Swift system that takes three days and just modernize it with some digital structures on top of it. So, Swift would still be the foundation, the digital structures would be on top of it. That is an option for them. Like not like the transaction I just said. JP Morgan tested this transaction. I believe that was just a test. One US Treasury bond with the digital rapper. It's very interesting what's going on right now.

[00:03:52]And that's what gave me the idea to do this video. I hope this is helping you.

[00:03:57]So, let's see. I hope that helped. Let's see.

[00:04:03]So, in Iraq, we know they have a brand new digital system. They know they're getting everybody on the digital cards.

[00:04:09]They passed out cards, right? This is kind of pulling that in. But this is more general for anybody to understand what's happening in your banks that nobody's paying attention to and nobody's explaining it. I like to take complex topics and make them simple. It kind of gives me I love a challenge, right? So the Iraqi modernization is happening through their central bank digital coin that's on handle forex on Coinbase, mostly hidden except I talk about it every day. It's mostly hidden. Most people aren't focusing on it. They did that for a reason. and it's on handle 4x. It's the digital dinar, not comparable to the US dollar or anything else. It's just sitting there and it was I shared the value in my intel summary.

[00:04:51]You can watch my intel summary. I'll probably put a link to my intel summary today so you can tie this in. Um, electronic payments. Iraq is focusing on electronic payments. I I read you that whole summary this morning on my intel summary in the first five minutes.

[00:05:05]Electronic payments, global banking trends, and digital systems. The Iraqi banking system is the most modern digital system I think in the world. I think they used Iraq as a test market because it's in a very uh tricky area and then they put it in Turkey then they put it in Syria and then only then when the systems were interconnecting you know I did some articles today about Turkey and Syria working with Iraq then Trump went after Iran. This is a plan.

[00:05:31]This is a plan to get everybody on the same system if they can do it in the Middle East. They they've done it in America, but very more freedom minded because they're not using just one.

[00:05:40]They're not just using the Fed now, which is the central bank digital coin that was created under the Biden era for obvious reasons. No, Trump came in and they did the crypto legislation. What was it called? The Genius Act. They that allowed all banks to get issue their own stable coins. Meanwhile, also what's going on right now is they just gave a ton of banks charters. A bunch bunch of digital asset holders charters to become a traditional bank. But it's not a traditional bank. It's a new digital bank. So, all these things are changing.

[00:06:11]I hope you're beginning to understand. I hope this is becoming simple for you.

[00:06:15]Why? Because you can invest in the infrastructure.

[00:06:18]We already have some pieces for those of us that are in my portfolio. I'll be looking at some other pieces of this banking system that we can get involved in for my members. Right guys, I'm excited about this. I'm so excited that I wanted to make this for you. I hope this helps. Comment down below if you like this. I've never made one like this explaining just this, but it does incorporate with what's going on with Iraq because that's why I have this understanding because I've been studying Iraq and what they've been doing.

[00:06:44]So now big picture, we all know change doesn't happen overnight, especially if the systems evolve gradually. I don't think this is this shift is going to happen overnight, right? Like the XRP, everybody's like anxious. When's XRP's value going to crime? It's not going to happen overnight, but but they're going to take some people are going to be just digital and they're going to Freedom in America is the key. Some are going to innovate faster than others, but the older banks that most people are into like JP Morgan Chase, etc., they're beginning to get into this more and more, but it takes time. So, it's not going to be overnight, right? Just like Iraq, it's God's timing. I think that could happen faster because they've they've been in these new digital systems for a while now, and they have a new prime minister that's a banking and finance guy. There's no coincidences, don't you think? So, is blockchain replacing Swift? What do you think? This is the truth about what's going on right now. You can look up the JP Morgan that they hired a Goldman Sachs guy and then see that they did a trade, right? You can look that up for yourself. Um, what do you think? Comment down below. I, like I said, I'm going to see you live at five. I've never done a video like this. Comment down below. Do you like this? If you do, please subscribe, tap the bell, um, hit the like, comment down below. I love you all. Bye.