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✅ What points to the $45 billion-per-month restart

Several recent reports cite that a team at Bank of America (BofA) expects the Federal Reserve (“the Fed”) to commence “reserve-management purchases” of short-term Treasury bills at a pace of $45 billion/month starting January 2026.

The reasoning given: banking-system reserves have reportedly tightened, and repo-market pressure has increased — pushing the Fed to resume buying Treasury bills to inject liquidity and stabilize short-term rates.

This would mark a reversal of the “quantitative tightening” (QT) that the Fed undertook since 2022 — i.e. allowing securities to mature without replacement — and instead shrink (or at least stabilize) the balance-sheet runoff.

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⚠️ Why this is still a projection, not a guarantee

The “$45 billion/month” plan hasn’t been officially announced yet. The forecasts stem from analysts (not from a Fed decision paper).

Other analysts expect a smaller monthly purchase pace — e.g. one estimate expects $15–$20 billion/month rather than $45B.

The actual amount will likely depend on evolving conditions: short-term liquidity demand, money-market rates (repo market), banking-sector reserve levels, and broader economic/interest-rate policy.

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🌎 Why this matters

If the Fed indeed resumes large-scale Treasury purchases, that would re-inject liquidity into the U.S. financial system. This could ease strain in money markets (e.g. repo markets), lower short-term interest rates, and improve funding conditions for banks and lenders.

It would also signal a shift in the Fed’s policy stance: from tightening liquidity (QT) back toward stabilization or mild expansion — which might influence not just rates, but credit conditions, risk-asset demand, and investor sentiment globally.

For global markets (including emerging markets), a more “liquidity-friendly” Fed could reduce systemic funding stress and dampen volatility — though other macro factors will still matter a great deal.

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🧭 What to watch next

The upcoming Fed policy meeting (expected December 9–10, 2025) and the official statement from Fed Chair Jerome Powell. That will be the clearest signal whether the plan advances.

Money-market benchmarks, repo-market rates, and bank reserve data — if liquidity remains tight, the chances the Fed moves toward the high end (e.g. $45B) increase.

Treasury yield curves (especially short-term), and how markets price in future rate moves — because renewed Fed buying could push yields lower for short-maturity securities.

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📌 My take

The “$45 billion/month starting January” headline is plausible — and quite possible — but for now, it remains a forecast, not an official commitment. Many analysts view it as a technical, liquidity-management move rather than a “QE-style” economic stimulus.

🚨🚨🚨

Australia is preparing to introduce one of the most consequential digital policy changes in recent years. Starting 10 December 2025, anyone under 16 years old will no longer be allowed to create or maintain accounts on major social platforms such as Facebook, TikTok, YouTube, Instagram, X, and Snapchat, among others.

This decision follows extensive studies examining the psychological and behavioral effects of social media on young people. After reviewing strong evidence of long-term negative impacts—from attention issues and addiction patterns to worsening mental health—the Australian government concluded that a broad restriction was necessary to protect its youth.

Why This Move Matters?

1. Young Users Make Up a Large, Highly Active Segment

Teenagers represent one of the most active demographics on nearly every major social platform. Their usage habits drive high engagement, viral trends, and large portions of ad revenue.

Limiting their access will not only transform online culture, but also significantly reduce the daily activity that these platforms rely on.

2. A Meaningful Economic Impact

Teenagers are also a major force in online consumer behavior. Their engagement have great influence for e-commerce, advertising profitability, brand visibility, and digital markets in general.

A ban of this scale could result in:

◾reduced online shopping activity
◾lower advertiser returns
◾decreased platform revenue

This makes Australia’s decision especially bold given the economic repercussions.

A First Among Advanced Democracies

Although geographically distant, Australia is firmly aligned with Western politics and culture. It is a high-income, technologically advanced democracy, and its digital policies have the potential of influencing global discussions.

It's the first time a major democratic nation has moved into such a strict age-based social media prohibition. Its decision could also serve as a model—or a warning—for other countries.

Despite knowing the potential economic effects, Australian leaders have expressed confidence in the long-term benefits. Protecting mental health and reducing harmful digital behaviors outweigh the short-term drawbacks.

Could This Spill Over Into Other Online Sectors?

Australia’s policy may consider widening debates about safeguarding vulnerable groups from digital risks such as:

▪️addiction

▪️gambling behaviors

▪️high-risk online trading

▪️harmful or manipulative algorithms

If governments begin applying similar protective measures to other industries, platforms involving online trading, gambling, or high-risk financial products could face new regulations or even bans.

This could drastically affect major entities—spreading to gambling platforms or global crypto exchanges such as Binance—if policymakers view them as harmful to young or unprepared users — not just underages.

Much will depend on:

Will other countries follow Australia’s lead?How strict their measures become?Which industries they decide to regulate next?

Whether this becomes a global trend or remains an isolated case will depend on how the policy performs, how the public reacts, and how deeply governments decide to intervene in the online lives of young people.
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Binance founder Changpeng Zhao (CZ) has made a bold and powerful statement that’s igniting major discussions across the crypto industry. According to CZ, “All governments should track all their spending on the blockchain, an immutable public ledger. It’s called public spending for a reason.”

His message points to a future where transparency is the default, not an option. Using blockchain for government finances could:

Eliminate corruption

Improve trust between citizens and the state

Provide real-time insight into how public funds are used

Set a global standard for accountability

As countries explore digital currencies and Web3 integration, CZ’s vision may not be far away. The only question is: Are governments ready for this level of transparency?