Iraq is a risky country. And most banks will not deal with the dinar even when they move to Article VIII. At least initially anyway. So for gurus to be talking about cashing in/rates/spreads it’s all nonsense at this time. One of the reasons banks will avoid the dinar is because of its potential to be volatile. Most banks by nature are conservative and avoid these types of currencies. That is why I never really discuss the next step of cashing out/exchanging is because until the dinar is internationally convertible (Article VIII) and used in commerce there is no point. And if the dinar floats and gradually appreciates as we expect, it’s a whole different process as investors may have to get involved with market makers/brokers or dealers to set up accounts. Time will tell.