There are two separate financial systems: commercial paper and metal money.

They do connect and interact, but think of them as totally separate for the moment and turn your attention to the most immediate problem:

Commercial paper is the world of stocks, bonds, promissory notes, securitized assets, etc. It's just paper and it results in "debts" and "credits" on ledgers or account books.

A ledger is supposed to keep a running account of debts and credits; an account book keeps track of just one side of the ledger, either all the debts or all the credits.

In 1946, the United States Government Accounting Office (GAO) switched to a different accounting system called "Double Accrual Accounting" or what most of us call keeping two sets of books.

They did away with the ledger.

They split the account books into two completely separate accounting systems both operating under Bar Codes, one for debts, one for credits.

United States carries the debt side: XXX-XX-XXXX
America carries the credit side. XXXXXXXXX

Everyone at the various US Treasuries is used to working with the debt side, because the United States accrues the debt.

Debts are logged on the CUSIP system.
Credits are logged on the AUTOTRIS system.

The two sides are never ledgered, never brought together to "balance" the accounts.

This results in a situation where the debt just keeps piling up on one side and those who only see the debt side fixate on that.

Meanwhile, the credit is piling up in the other account book.

To make it all that much more obscured, they split the income streams {"double accrual" ) coming into the credit side account book into public and private income streams and then split them each again into budgeted and non-budgeted income.

Public income includes all the money coming in from public sources, private income includes the money coming in from private sources -- our purloined estates, in other words.

They split both sources, both public and private, into "budgeted" and "unbudgeted" --- the only money that we see is the budgeted income and the United States account book that tracks the debt.

This makes people fix their attention on the arbitrary amount budgeted as if that is the only money available, and also fixes attention on "the US Debt"--- which, of course, shows only the debt side of the account books.

The "unbudgeted income" is shunted immediately into investment, pension, and revenue funds --- and that just happens to be the lion's share of the income by a large margin.

These huge, Huge, HUGE investment pools are used to rig the entire economic system of the world, and nobody knows they exist, except the top bankers and top investment, pension, and revenue fund managers.

You may have noticed that in the midst of the government shutdown, the pensions keep clicking along. This is because the funds backing the pensions are in a separate system operated by the Social Security Administration that is funneled off the "private" side of the income stream and the non-budgeted income stream investments from the pension fund pools.

It's all just manipulated bookkeeping ---hooey designed to expedite black budgets and political slush funding. And it's compartmentalized so that one hand literally does not know what the other is doing.

As a result, all your former U.S. Treasury Secretaries only know their part in the overall scheme. They are being led to slaughter, because everyone will look to them for answers and all they can do is stand there and pull an Elmer Fudd... yubadadubah, I don't know.

Tell them that they need to have a Zoom Call with Grandma as soon as possible, and we will start to put together the pieces to make a whole quilt.

Meantime, put this little "Thought Experiment" in front of their faces and see if they start to show signs of life:

Fred, a government employee, comes into Sam's Diner. It's lunch time, and Fred is hungry, so he sits down, looks at the menu, and decides he wants a Cheeseburger and Fries.

The waitress comes, takes his order, and returns a few minutes later with his Burger Basket. He eats his lunch, drinks his coffee, she brings his bill.

Fred gives her an I.O.U. issued by "the Federal Reserve" as payment -- literally, a promissory note -- and goes back to work. She puts this I.O.U. in the cash register and passes it onto the next customer as change for a hundred dollar I.O.U.

The second customer leaves Sam's Diner, walks across the street, and uses Fred's original I.O.U. a second time, to buy four pairs of socks.

It's the same I.O.U. and it's being used a second time.

The first time, Fred got a cheeseburger, fries, and coffee in exchange. The second time, Customer Two got four pairs of socks.

The cheeseburger, fries, coffee and socks are all actual and factual.

The debt note is unreal, a symbol of value issued by an unknown debtor--- because the Federal Reserve was and is a private club and is only using a duplicitous name to give the public the impression that it is part of our Federal Government.

And within two transactions, half that debt is already not only "off-ledger", but not being tracked at all.

Each time the same Federal Reserve Note passes hands, the actual "debt" owed by the Federal Reserve increases, and so does the "credit" owed to the living Americans, who are providing actual goods and services in inequitable exchange

The people using and accepting these "notes" (under force of Legal Tender Laws that are supposed to apply only to government employees and "United States" Corporations) have no way to evaluate the credit-worthiness of the "Federal Reserve" but have been circumstantially obligated to extend credit to it for over a hundred years.

Every time that 'Federal Reserve' debt note is used in a transaction, it is extracting actual goods and services from the living people and from our economy in inequitable exchange for a promise to pay in the future.

Each Federal Reserve Note used in this fashion may be exchanged hundreds and hundreds of times during the course of its "lifetime", and it will continue to extract actual goods and services every time it is used to "pay" for something, but of course, it doesn't actually pay back anything in exchange.

This inequitable exchange is the source of the ever-burgeoning "United States National Debt".

It's also the source of the utterly immense "American National Credit" --- owed for the actual goods and services paid out by the living people, and never paid for by the Federal Reserve.

The 1909 "Federal Reserve System" went bankrupt in 2009, right on schedule, and cast its debts right back onto the people who extended all the credit to it in the first place.

Thus, the living people and our actual economy were bilked over and over and over in a "something for nothing" scam every time a Federal Reserve Note was used in a transaction, and then, on top of it, the living people were tagged as the Underwriters responsible for paying the debts (plus interest) of the Federal Reserve System's bankruptcy.

Is this the "good faith service" owed by the other Principal Parties to The Constitution of the United States and The Constitution of the United States of America? Hardly.

Their fraudulent misrepresentation of the American People as British Subjects, and later, as disembodied Roman Municipal Estate Trusts, their inexcusable latching upon our assets, failure to disclose, and crimes of misrepresentation, personage and barratry against us stand as full condemnation of the corporations.

The living people are owed an absolutely immense amount of credit and the return of actual goods and services, or both. It is this fact that has caused the corporations to implement a forced reduction of the population --- they are attempting to kill as many of their creditors as possible.

This criminality must end, either with the total liquidation of these corporations, or their forfeiture and placement under new management.

All this drive for "population reduction" does is further condemn the corporations and those responsible for their existence and administration -- and gives further absolute proof of corporate criminality.

These "dead" entities have been forcing the living people to pay their debts, their taxes, their loans, their slush funds, their investment costs, and everything else for more than a hundred years.

And now, their extraction mill must turn and roll in the other direction.

This basic circumstance as herein described is the source of the American National Credit and the National Credit owed to all the other living people from other countries who have been bilked by this same basic fraud scheme operated under different names.

No wonder those who have profited most from the con games are squealing the loudest, but there is one paramount fact. Corporations are ultimately formed and operated by living people, so as living people, all stand to gain from this reversal.

We are ordering the credit accounts to be brought forward; we are making realistic estimates of the off-ledger credit owed to the living people. We are ordering credit to be issued from the American side to immediately offset "National Debt" and the establishment of prepaid credit accounts for all living people.

Each prepaid credit "Harmony Dollar" will be equal in value to one January 1st 1970 US Silver Dollar or the then-equivalent of $48 Federal Reserve Notes, and for every Harmony Dollar spent an equal value-number of Federal Reserve Debt Notes will be removed from the system, until all debt notes are cancelled and only credit remains.

As consumers receive back Harmony Dollars as spendable prepaid credit -- just like a gift card -- and spend these credits back into the economy, they automatically pay down the remaining off-ledger debt amassed by the Federal Reserve.

The Harmony Dollar has been attacked and derided as a "Universal Currency", apparently because people think it is running competition with national currencies. The proper way to look at it is as an available miniature hedge fund that anyone, anywhere, can access.

Because the value of the Harmony Dollar ultimately depends on the success or failure of each national currency, each success is to be celebrated no matter which country is excelling, and each failure or loss in value, is buffered.

The debt-credit system has been vilified and misrepresented as being funded on "thin air", but domestically, it has always been funded by the labor, energy, performance contracts, goods and services provided by living men and women, and internationally, it has been funded by standard commodities -- gold, silver, and most recently, refined petroleum products.

The only thing bad about this system, which has some advantages, is the way in which evil men and dishonest bookkeeping conspired to defraud and enslave the living people for the benefit of corporations.

So, "someday" has come, and prepaid credit is the means we shall use to extract payment-in-kind, which is perfectly fair and easily implemented.

Everyone knows how gift cards work. We already paid.

The only thing that might be argued is our choice of the January 1st 1970 dollar-value standard.

We could have gone back to 1934, but in order to do that, we would have to also invoke what happened in 1909, which would have triggered an "insurmountable debt" scenario that would have caused death and destruction instead of what is needed --- gradual correction beneficial to the living people of this planet.

As the present debt is removed using the 1970 standard, it gradually becomes possible to adopt different standards and address commercial debt back to 1934, back to 1909, and ultimately back to when all this started, in the 1840's.

The only thing we need to fear is ignorance and lack of resolve.

The living people of this planet and the planet itself have been pillaged by corporations operated by men and women -- some knowingly, some unknowingly -- engaged in criminal activities that have benefited their corporations at the expense of life and peace.

We are now called to set things right, so that life may be nurtured again and peace returned. We are aware that it isn't just the present generation's losses that need recoupment. We must all also be aware that the problem(s) plaguing the credit and monetary systems developed over the course of 185 years, and accept that complete correction will take decades to fully accomplish.

As the True Creditors, the living people are free to establish those ways and means best suited to their ultimate and mutual benefit and the benefit of the planet. The 1970 value standard allows us to "unbind" in reverse sequence and follows the Maxim of Law, "As a thing is bound, so it is unbound."

As the living people sense the return of their freedom, dignity, and position in creation, and begin to explore and experience life -- not as slaves, not as debtors, but as co-creators, miracles will come and vast changes, too, as our discernment expands.

The planet as a whole has been deeply indoctrinated into the concept of "money" so we will need financial systems to deal with money and credit for a while longer, but we can already see a day when we will look back on this and it will all seem -- not just funny -- ridiculous.

We will address the asset-backed monetary system in another posting.

Notice to Agents is Notice to Principals; Notice to Principals is Notice to Agents.

Issued by:
Anna Maria Riezinger -- Fiduciary
The United States of America
In care of: Box 520994
Big Lake, Alaska 99652
November 8th 2025

Source: http://www.paulstramer.net/2025/11/international-public-notice-debt-credit.html