An Open Letter to President Trump on Behalf of the American People & Analysis of The Urgent Case for a Clean Slate and Citizen-Centered Financial Renewal
As someone who deeply believes in freedom and the sovereignty of the American people, I can think of no more fitting moment than July 4th to bring this forward. This isn’t just a day for fireworks—it’s a day for truth. For a long time, I’ve been working quietly on a citizen-centric solution to the transformation already underway in our financial system. What we’re seeing now isn’t just an upgrade to digital infrastructure—it’s the foundation of a surveillance-grade enforcement regime, and the people deserve to understand what’s at stake before it’s too late.
Social media is flooded with misinformation, a cocktail of hopium and scripted narratives pushed by paid influencers and controlled assets. These voices are encouraging Americans to embrace a system they don’t fully understand—one that’s already being deployed under the guise of modernization. But the reality is unavoidable and straightforward: once the Fedwire system completes its ISO 20022 transition, there are only two paths forward. And most of what’s being said out there by popular personalities is either dangerously uninformed or intentionally deceptive, designed to pacify the public and preserve the old hierarchy of control.
We must confront the truth. The public is being kept deliberately unaware, and an uninformed people are an easily ruled one. That’s why I’m speaking now. To clarify. To challenge. And to offer solutions, not fear. Not fantasy. Reality, rooted in accountability and freedom. Because if this reset is going to happen, then it must serve the people, not the machine.
A nation that begins with freedom builds a future worth governing. Without it, we don’t escape history—we automate its cruelty. The clean slate isn’t rebellion. It’s restoration. Tore Maras
The United States is undergoing a quiet but monumental shift in its financial infrastructure. The Federal Reserve is aligning with global standards, such as ISO 20022, by merging data-rich transaction formats with AI-powered enforcement engines, like the IRS’s aACS. This isn’t just modernization—it’s the rise of full-spectrum financial surveillance, where every dollar, every transfer, and every tax obligation is tracked, verified, and enforced instantly. But here’s the catch: if we allow the system to carry over all existing debts—student loans, mortgages, tax bills, and corporate liabilities—we’re not transitioning. We’re just digitizing the chains—a system this powerful cannot be built on broken promises and unequal burdens.
A proper reset—deleting all personal and tax debt—is not just humane; it’s strategic. It clears the slate, so automation doesn’t feel like punishment. It gives Americans a fresh start in a system that no longer requires taxes to be filed or enforced manually. In a world where compliance is instant and error-free, the burden on people should be lifted, not codified deeper. A proper reset makes automation work for the people, not against them.
Before I begin to explain what is happening, I would like to share my open letter to President Trump.
President Trump (@realDonaldTrump),
If I may be direct with you, this is the moment to do something no one’s had the guts to do. Currently, we stand at the threshold of a comprehensive financial transition. The IRS is already automated through the aACS system. It’s not coming—it’s here. Taxes are now enforced in real-time by AI. Every dollar moved is scanned, cross-referenced, and verified automatically. There’s no more need for audits, courtrooms, or filing cabinets. The system is self-enforcing. And that’s precisely why this is the right time to wipe the slate clean.
Carrying over the mountain of old tax debts and broken compliance structures into this new system only makes the machine work harder to clean up the past. That’s not modernization—that’s digital punishment. However, if we eliminate all back tax debt, forgive penalties, and start fresh, we free up the IRS and ACS to focus on the present. No more bureaucratic baggage. No more fear. It simplifies everything. People aren’t hiding. They’re ready to participate.
Do you want energy in the economy? Do this. People will feel free again—no garnishments, no liens, no looking over their shoulders for a bill from ten years ago. They’ll spend, invest, take risks. It would give Americans something they haven’t had in a long time: hope. And you’d be the one who gave it to them.
It’s not just about fairness—it’s strategic. The system is now capable of real-time taxation at the point of transaction. You don’t need to chase people anymore. With a clean slate, the system starts as it should have always been—simple, instant, and transparent. You remove the fear, you restore dignity, and you finally let Americans thrive in the economy you rebuilt.
Sir, you always said you’d do what no one else would. This is it. Reset the system. Make it new. Let the people breathe.
Respectfully.
T.O.R.E.
WHAT IS GOING ON?
The Federal Reserve is transitioning its high-value money transfer system, known as Fedwire, to a new communication standard called ISO 20022. This isn’t just a tech upgrade. It’s a global language for payments, and the U.S. is finally joining the rest of the world in using it.
Currently, the Fedwire system utilizes an outdated format that restricts the amount of detail that can be included in transactions. With ISO 20022, every payment message becomes smarter: it carries more information, like full sender and recipient addresses, purpose of payment, and other key details. That means fewer errors, better fraud detection, and smoother audits. It also means your bank won’t have to guess anymore when something looks fishy.
This change becomes mandatory for all U.S. financial institutions using Fedwire on July 14, 2025. It’s not optional.
To clarify, this transition pertains to Fedwire, which facilitates large, time-sensitive money transfers, such as transactions between banks or business settlements. It’s not the same as FedNow, which is the Fed’s instant payment service for smaller everyday transactions.
So what’s the bottom line? The U.S. is finally upgrading to a modern, global standard. That means a more secure, more transparent, and much more efficient system for moving money. And by clearing out the old format, the entire infrastructure becomes easier to regulate, track, and audit—something that would pair very nicely with a fresh start or even a larger financial reset.
From Obscure Banking to Transparent Systems
For over a century, the Federal Reserve operated with a level of independence that made it feel like a black box—publicly sanctioned but privately managed. But that opacity is no longer sustainable. With public trust fading, digital currency looming, and surveillance tech already embedded in payment networks, the next phase of finance demands something different: clarity, control, and automation.
And that’s exactly what we’re seeing.
The shift to ISO 20022 is like gut-renovating the wiring and plumbing of the financial house. It replaces vague, outdated message formats with a universal, structured, data-rich language for financial transactions.
This matters because every single payment—especially the big ones between banks—will now carry clear, traceable metadata:
- Who sent it.
- Who received it.
- Where it came from.
- What it was for.
This isn’t just cleaner; it’s surveillance-grade transparency, but built into the system itself. It also makes it impossible to hide money the way people used to—offshore, through shell companies, or with ambiguous invoices, etc.
So, if you’re imagining a world where the U.S. Treasury takes direct control, or where the financial system wipes the slate clean, this kind of format is necessary. The new system needs to see everything in order to start fresh.
SURVEILLANCE-GRADE TRANSPARENCY
This isn’t just cleaner; it’s surveillance-grade transparency, but woven into the plumbing of the financial system itself. We’re not talking about post-facto audits or whistleblower leaks. We’re talking about a permanent, real-time paper trail on every transaction embedded in the very format that carries the money.
With ISO 20022, there’s no such thing as a “gray area” anymore. The payment message isn’t just “$4.2 million wired to XYZ Holdings.” It now includes exact sender and recipient addresses, payment purpose codes, entity identifiers, and timestamped context. Every transfer is a full dossier. It’s designed to leave zero wiggle room.
So let’s say someone like Ambassador Todd Robinson—hypothetically—were using diplomatic shields and offshore accounts to launder money, pay bribes, or shuttle funds between cutout shell companies. Under the old system, he could hide behind loosely formatted Swift messages, generic invoice descriptions, and geographic loopholes. But in the ISO 20022 world? That whole operation collapses.
Why? Because now:
- Shell companies must be clearly identified in structured fields.
- “Consulting services” invoices that once masked a payoff must now include purpose-of-payment tags traceable to both origin and destination accounts.
- Cross-border transactions trigger automated flags in both jurisdictions’ systems.
- Every intermediary bank in the chain becomes part of the record—no hiding in the corridors of correspondent banking.
The days of secret accounts in Belize or wire transfers routed through six banks in Luxembourg are numbered. Not because someone’s watching—you don’t need eyes anymore. The system itself becomes the watcher.
And with the IRS’s aACS AI running real-time audits, and Treasury tightening its grip on monetary flow, you don’t need an investigator to catch financial crimes. You just need data access. And guess who has that now? Not just the Fed. The Treasury. The government. The machine.
This is why ISO 20022 is a financial panopticon—not just for the average citizen, but especially for the elite who’ve built entire careers hiding money. In a world where everything is visible, power doesn’t come from secrecy anymore. It comes from control over the visibility.
What is aACS?
aACS stands for automated AI Collection System, and it’s the IRS’s next-generation intelligence engine—designed not for the world we used to live in, but for the hyper-digitized one we’re in now. It marks a total break from the old days of manual auditing, where an agent would sift through paper records and issue notices months later. This is a real-time, machine-driven enforcement network. It doesn’t wait for red flags; it looks for patterns, predicts behavior, and acts before most people even know they’re being watched.
The system compares your W-2s, 1099s, bank records, even your Venmo and PayPal transactions—on the spot. Crypto wallets? Already mapped. aACS doesn’t just wait for you to file; it builds a living picture of your financial activity and compares it to what the system knows should be there. If something doesn’t add up, like unreported income, offshore irregularities, or inconsistent transfers, the AI sees it instantly and flags it—before a human ever needs to get involved.
What used to take weeks or months now happens in seconds. Notices, collection letters, payment plans—those are now auto-generated and dispatched without human review. On top of that, aACS has digital forensics capabilities. It can dissect blockchain activity, trace funds through privacy coins, and even pull patterns from social media spending. If you flash cash on Instagram, and your tax return doesn’t match, it’s noted.
In short, aACS isn’t enforcement—it’s preemptive control. The IRS doesn’t knock anymore. It just acts. A double-edged sword is apparent.
Considering the aACS, is the IRS’s new AI-driven enforcement engine. Once the financial data is fully standardized and readable (thanks to ISO 20022), it becomes effortless for aACS to monitor, ENFORCE, and act on tax compliance—in real-time.
This isn’t hypothetical. aACS already:
- Scans transactions across multiple platforms.
- Matches payment records to tax filings.
- Flags anomalies or patterns of evasion automatically.
Combine that with ISO 20022, and the IRS no longer has to “investigate” your finances. They already know. The only thing left is what they decide to do about it.
The Fed-Treasury Dynamic: From Private to Public?
While the Fed is technically still independent, the legal and political landscape is shifting. Executive orders like 14215 have begun asserting more White House influence over independent agencies. Simultaneously, the Fed is integrating its systems with broader Treasury infrastructure (e.g., through digital payment rails, CBDC readiness, etc.).
What does that look like in practice? A slow but deliberate absorption of power:
- The Fed maintains its façade of autonomy.
- Meanwhile, Treasury gains operational control through tech, data standards, and AI oversight.
The transition to ISO 20022 makes this easier. The data from the Fed’s systems can now flow seamlessly into Treasury databases, where it can be processed, audited, and enforced using Treasury-grade AI like aACS.
Execution Paths and Consequence Analysis
The United States is undergoing a quiet but monumental shift in its financial infrastructure. The Federal Reserve is aligning with global standards like ISO 20022, merging data-rich transaction formats with AI-powered enforcement engines like the IRS’s aACS. This isn’t just modernization—it’s the rise of full-spectrum financial surveillance, where every dollar, every transfer, and every tax obligation is tracked, verified, and enforced instantly. But here’s the catch: if we allow the system to carry over all existing debts—student loans, mortgages, tax bills, and corporate liabilities—we’re not transitioning. We’re just digitizing the chains. A system this powerful cannot be built on broken promises and unequal burdens.
Right now, tens of millions of Americans are drowning in legacy tax debt and personal debt, especially post-COVID. They’re burdened with penalties, compounding interest, and the constant threat of enforcement. Many simply can’t afford to pay, which leads to wage garnishments, frozen bank accounts, and a level of financial stress that suffocates everyday life. Others are caught in an endless loop of audits, appeals, or installment plans that never seem to end. This isn’t just a human tragedy—it’s a systems failure. All of this outdated debt clogs up the IRS’s new AI engine, aACS, forcing it to waste processing power on chasing money that will never be recovered. Instead of optimizing for real-time compliance, the system is stuck dragging the dead weight of decades past.
PATH ONE: Transitioning with Debt -The Default Option
When you carry over all existing debt—student loans, mortgages, tax bills, corporate liabilities, and even the national debt—into a new financial system, you aren’t building something new. You’re dragging the worst parts of the old system with you. Every inefficiency, every unfair structure, every imbalance remains baked in from day one. The people already struggling under debt stay exactly where they are: at a disadvantage. Meanwhile, those holding assets—land, stocks, capital—walk into the new era with their wealth intact and untouched. The gap doesn’t close; it gets wider.
On top of that, the logistics are a nightmare. Trying to convert old debt contracts into a new digital or cryptographic framework is a recipe for disaster. You’re asking for fraud, technical errors, legal battles, and data integrity issues that could paralyze the system before it even launches.
And then there’s the banks. If you let them carry their current power into this new system, they keep control over your credit history, your liens, and every legal hook they’ve embedded into your finances. That means the same institutions that profited from the last collapse are given front-row seats in the next one. Their leverage stays intact. Worse, their balance sheets—stuffed with trillions in unproductive debt—become the burden of a system that’s supposed to be efficient, innovative, and free.
You cannot transition into something better while clinging to the chains of what broke us.
When a new financial system inherits the weight of the old one—complete with its overleveraged debts, entrenched inequalities, and bloated inefficiencies—it is not a transition into something better. It’s a rebranding of failure. The illusion of progress collapses the moment you realize that all the structural flaws of the previous era have been uploaded wholesale into the new framework. Every predatory loan, every unjust lien, every student debt issued under-inflated tuition and broken promises—these all remain tethered to the individual while the system itself tries to pretend it’s “modernized.”
But nothing truly changes.
The wealth gap, which is already at historic highs, doesn’t narrow—it calcifies. Those saddled with debt—whether it’s credit card balances, medical bills, or tax arrears—enter the new system with the same burdens they carried before. Their every transaction is now instantly monitored and enforced through real-time AI engines like the IRS’s aACS. There’s no room for negotiation, delay, or relief. Debt is no longer a bureaucratic inconvenience. It’s a 24/7 enforcement regime coded into the operating system of modern finance.
Meanwhile, those who hold assets—landowners, corporate investors, equity holders—retain every advantage. Their wealth is digitized, protected, and often subsidized. Take the 2008 financial crisis, for example. Banks that overleveraged were bailed out, while homeowners were foreclosed on. That wasn’t just a bailout—it was a message. Inherit the future, but leave the poor behind. That pattern is repeating. Now, in the digital transformation era, those who profited from the last collapse are positioned to dominate the new one.
The structural danger here isn’t just about fairness—it’s about fragility. When a financial system starts with inequality coded into its foundation, it cannot sustain itself. Consumption stagnates because the average person is underwater. Innovation dies because entrepreneurs can’t take risks with debt breathing down their necks. And trust—the cornerstone of any economy—erodes completely when people realize the system doesn’t offer relief, just rebranded repression.
If we bring legacy debt into a real-time financial environment, we are not automating justice. We are automating despair. The machine becomes relentless, efficient, and merciless—not because it’s broken, but because it’s doing exactly what it was designed to do: enforce old obligations with perfect digital precision. And that, ultimately, is the quiet doom of the economy. A system that demands productivity but ensures paralysis. A future that promises innovation but replicates inequity. A nation that upgrades its code but not its conscience.
That is not a transformation. That is a trap.
Path TWO US ECONOMIC REVIVAL AND RENEWAL: Why the Clean Slate is the Only True Transition
When a new financial system carries forward the weight of the old one, we don’t call that a transition—we call that a trap. A future built on the same corrupted foundations is not progress; it’s a digital relabeling of failure. It may feel modern, it may operate faster, it may be branded as efficient or intelligent, but when it still enforces decades of financial injustice, when it still leaves the same people at the bottom and protects the same interests at the top, it’s nothing more than a high-tech version of the same old exploitation.
We’ve seen this before. In 2008, Wall Street crashed the economy with reckless overleveraging. When the dust settled, it wasn’t the bankers who lost their homes—it was the people. The financial elite were bailed out with taxpayer dollars. The working class was left with foreclosure notices and ruined credit. Nothing was forgiven. Nothing was reset. It was a warning disguised as a rescue: the system doesn’t collapse under its own corruption—it gets rebooted, and the corruption is reinstalled. Today, we’re at a similar inflection point, only this time the infrastructure is digital. AI like aACS automates tax enforcement in real time. Blockchain records make every transaction traceable. There is no delay, no paperwork, no wiggle room. But the debt—the legacy of a broken economy—is still here, carried forward into this high-speed, high-surveillance system with zero adjustments. That is not modernization. That is mechanized misery.
A true transformation doesn’t start by translating broken contracts into digital code. It starts by asking whether those contracts ever had legitimacy in the first place. Was a student loan taken out under inflated tuition and false promises of upward mobility truly a contract—when the economic future it banked on no longer exists? Is a lien placed on a struggling household fair when the tax system was never designed to accommodate real people? Should the back taxes of the working class be enforced at machine-speed, while the largest corporations exploit global loopholes with impunity?
We are at a turning point where we can choose to replicate injustice faster or finally confront it. And if we want this new system to work—not just function, but actually serve—we need to begin with a clean slate. Not because it’s politically convenient. Not because it’s generous. But because it’s the only way the system won’t collapse under its own contradictions.
Imagine a financial reset where debt is forgiven and enforcement begins from zero, not from the backlog of a crumbling era. This would not just restore confidence—it would spark energy. People would invest, spend, and create again. Small business would rebound. Mental health would improve. Communities would breathe. With AI enforcement in place, real-time taxation would replace antiquated filing systems. There would be no need to cheat, no need to fear. The government wouldn’t have to chase people—it would already know, in real time, what’s fair, what’s owed, and what isn’t. It’s clean. It’s efficient. And more importantly, it’s just.
This is not a utopian dream. It is a historical necessity. Every empire that has collapsed under economic strain had one thing in common: it prioritized protecting its creditors over renewing its citizens. If we fail to learn from that, we will not survive the digital age of finance. This isn’t just an economic decision—it’s a national survival strategy. The path forward isn’t in faster enforcement of old chains. It’s in cutting them. That path—the path of renewal—is the only one that doesn’t lead us straight back to the cliff.
As the United States navigates a pivotal transformation in its financial infrastructure, two distinct paths emerge for addressing the nation’s mounting debt: continuing with the current trajectory or implementing a comprehensive debt reset. The Federal Reserve’s adoption of advanced technologies, including AI-driven systems like the IRS’s Automated AI Collection System (aACS), signifies a shift toward real-time financial monitoring and enforcement. This modernization aims to enhance efficiency and transparency but also raises concerns about privacy and the potential for overreach.
President Donald Trump’s administration has recently passed the “One Big Beautiful Bill,” a $3.4 trillion package that extends tax cuts and increases spending on defense and immigration enforcement . While proponents argue that these measures will stimulate economic growth, critics highlight that the bill is projected to add approximately $3.3 trillion to the national debt over the next decade. This approach continues the pattern of accruing debt without addressing the underlying fiscal challenges.
In contrast, a full debt reset—eliminating existing personal and tax debts—offers an alternative strategy. Such a reset could immediately increase consumer purchasing power, reduce economic disparities, and simplify administrative processes. By starting anew, the government could redesign the tax system with greater simplicity and transparency, potentially incorporating real-time digital taxation methods. This approach may also alleviate public concerns about the increasing automation and surveillance in financial systems, fostering a sense of empowerment and trust among citizens.
While the idea of a comprehensive debt reset is unconventional and would require careful consideration of its implications, it presents an opportunity to address systemic issues in the nation’s fiscal policy. As the country stands at this crossroads, the choice between maintaining the status quo and embracing transformative change will have a significant impact on the future economic landscape.
The Clean Slate Is Necessary—But the Elite Advisors on Their Pedestals Can’t See It
Since President Trump’s first administration, I’ve been working on a way to steer our financial future away from the centralized, debt-entrenched model championed by the CCP—a system that, when implemented in China, carried over massive legacy debt and structural inequalities into its new surveillance-backed financial infrastructure, ultimately widening the wealth gap and pushing nearly 500 million people into poverty despite rapid GDP growth. The CCP’s transition, heavily documented by the World Bank and IMF, funneled resources into state-owned enterprises and asset-rich elites while burdening the working class with housing debt, digital credit scoring enforcement, and limited mobility. That’s the cautionary tale. What we need is the opposite: a reset that injects freedom, purchasing power, and trust into the U.S. economy from the bottom up—not a digitized replay of authoritarian debt management. This path—the clean slate—isn’t just ideal; it’s necessary if we want innovation, dignity, and American resilience to win the next era and make the Golden Age truly GOLDEN.
Strategic Considerations
Critics will predictably raise the specter of moral hazard when confronted with the idea of a full debt reset. They’ll say it rewards irresponsibility, undermines fiscal discipline, and sends the wrong message to future borrowers. But that argument collapses the moment the reset is applied system-wide. This isn’t selective forgiveness for a few; it’s a structural correction applied across the board—to individuals, to corporations, and to the government itself. It becomes not an act of favoritism, but a rebalancing of an economic playing field that has, for decades, been tilted by predatory lending, unaffordable housing, overpriced education, and backroom bailouts that served the top while blaming the bottom.
To ignore this imbalance is to repeat the very mistake that defined the post-2008 economy. Banks were rescued. Ordinary Americans were not. The asset holders were rewarded with stock buybacks, artificially inflated markets, and quantitative easing. Meanwhile, working families were handed tighter credit, stagnant wages, and ballooning debt. This reset is not a blank check for carelessness—it is a reckoning with a system that has operated with impunity for far too long.
Still, one cannot ignore the need to address asset asymmetry. Simply erasing debt while leaving untouchable assets in the hands of those who’ve already benefitted from decades of tax arbitrage, capital gains loopholes, and offshore havens would only reinforce economic stratification. A just reset may require transitional capital controls, time-bound asset levies, or even national infrastructure investment programs funded by high-end holdings. In 2020, countries like Argentina, Spain, and South Korea introduced emergency wealth taxes to balance the scales during pandemic recovery. It can be done, and done fairly, especially if the outcome is long-term growth, restored public trust, and a re-energized middle class.
From a purely operational standpoint, there is no better moment for this reset than now. The infrastructure is already being laid. A clean-slate system, free from legacy debt, is the ideal launchpad for a digital currency ecosystem—whether that’s a central bank digital currency (CBDC) or a distributed public ledger framework that ensures transparent, real-time exchange. Without the clutter of old debt contracts, disputed tax records, and legacy account reconciliations, we can build a truly modern economy that works with precision, not delay. China’s rollout of the digital yuan offers a cautionary tale: by tying it to an opaque surveillance regime and burdened with unaddressed internal debt, they created a programmable currency without public confidence. In contrast, America has the chance to lead with purpose, transparency, and fairness if it begins with a reset, not a retrofit.
Ultimately, this isn’t about policy. It’s about people. A thriving, growing, and happy America cannot be built on generational debt and economic fear. The clean slate is not a fantasy—it is the only path forward that matches the scale of the transformation already underway. Automation, AI enforcement, digital currency—these forces are already in motion. The question is whether they’ll serve the people or subdue them. If we begin with freedom, not punishment, we create a system worthy of the nation it governs. If we do not, we risk repeating history with more intelligent machines and colder consequences. The clean slate isn’t radical. It’s rational. It’s American. And it’s long overdue.
FINAL THOUGHTS
This surveillance-grade financial system was built to expose the criminals who’ve hidden behind power, privilege, and offshore accounts, not to entrap the working class. But if we launch it while dragging forward the weight of existing debt, we will criminalize millions of hard-working Americans by default. The algorithms won’t see intent, only imbalance. They’ll flag missed payments, back taxes, and old obligations as violations, not symptoms of a rigged economy. And just like that, ordinary citizens become targets in a system they were never meant to escape. The wealth gap will explode—not inch wider, but shatter records, eclipsing even China’s stark inequality. America, the most taxed and exploited consumer population on Earth, will see its people punished for surviving. If we don’t wipe the slate clean now, we will automate injustice and institutionalize despair. A proper reset isn’t optional—it is the only way to ensure this new system serves justice, not perpetuates control. Without it, we won’t have a financial system—we’ll have a digital prison.
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1 comment
Sounds like the Biblical Jubilee