The Clean Slate Doctrine: Reclaiming the American Economy

An Open Letter to President Trump on Behalf of the American People: 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 simple and unavoidable: 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

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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.

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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.

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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, shell companies, 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.