[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @InfinitelyDean Dean N Onyambu Dean N Onyambu posts on X about zambia, money, bank, liquidity the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::166106097/interactions)  - X Week XXXXXX -XX% - X Month XXXXXX +16% - X Months XXXXXXX +375% - X Year XXXXXXX +69% ### Mentions: XX [#](/creator/twitter::166106097/posts_active)  - X Week X -XX% - X Month XX -XX% - X Months XXX +410% - X Year XXX +97% ### Followers: XXXXX [#](/creator/twitter::166106097/followers)  - X Week XXXXX +1.20% - X Month XXXXX +4.60% - X Months XXXXX +27% - X Year XXXXX +42% ### CreatorRank: XXXXXXX [#](/creator/twitter::166106097/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [countries](/list/countries) [currencies](/list/currencies) **Social topic influence** [zambia](/topic/zambia) #89, [money](/topic/money), [bank](/topic/bank) #3352, [liquidity](/topic/liquidity), [loops](/topic/loops) #357, [health](/topic/health), [carry](/topic/carry) #774, [$2413t](/topic/$2413t), [remainder](/topic/remainder), [what is](/topic/what-is) **Top accounts mentioned or mentioned by** [@grok](/creator/undefined) [@chilemoono7](/creator/undefined) [@bygones2023](/creator/undefined) [@mofnpzambia](/creator/undefined) [@mwangocapital](/creator/undefined) [@bankofzambia](/creator/undefined) [@alicetalksfooty](/creator/undefined) [@spencerhakimian](/creator/undefined) [@patriotic610](/creator/undefined) [@cbkkenya](/creator/undefined) [@aomenya](/creator/undefined) [@espnuk](/creator/undefined) [@fmwenge](/creator/undefined) [@lfctandy](/creator/undefined) [@robinjbrooks](/creator/undefined) [@bygones24](/creator/undefined) [@opportunik](/creator/undefined) [@bradsetser](/creator/undefined) [@mutisungezulu](/creator/undefined) [@swedishrumble](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "1 /7 Zambia still runs a shallow engine. Broad money M3 is about XXXX% of GDP compared with a decade-average of 25.5%. Most of that apparent deepening comes from the kwacha's valuation of dollar deposits not from real expansion in local-currency balances. See the money supply chart" [X Link](https://x.com/InfinitelyDean/status/1997116932395262400) 2025-12-06T01:32Z 2809 followers, XXX engagements "A lower reserve ratio frees a little liquidity but in a system like ours it does not translate into new private credit. Banks already place more than half of their local currency deposits into government securities and still lend only about XX% of deposits. The structural story is not the size of SRR. It is the sovereign demand for deposits the heavy foreign currency share of the loan book and the narrow corporate channel that absorbs almost everything before it reaches SMEs or households. The Journey of K100 shows that clearly. The SRR increase was a targeted defence against depreciation and" [X Link](https://x.com/InfinitelyDean/status/1997206098722324575) 2025-12-06T07:26Z 2811 followers, XX engagements "6/7 The Journey of K100 shows how each new kwacha deposit is trapped. About K26 sits as reserves. Roughly half of the remainder cycles into government securities directly or through collateral loops. What is left flows through a concentrated corporate and payroll book before a small slice reaches everyone else. See the local currency deposits and government securities split chart" [X Link](https://x.com/InfinitelyDean/status/1997116954537058603) 2025-12-06T01:32Z 2809 followers, XX engagements "A few hours ago the Kenyan government published the full health cooperation framework with the United States. The timing is not accidental. Public debate has focused on reports of a 25-year data-sharing clause. The signed document reads differently and is worth a careful read. Three things the framework confirms: X. This is a 5-year fiscal and systems compact not a charity envelope. The framework runs from 2026 to 2030. The United States intends to provide approximately $XXX billion. Kenya commits to step up domestic health spending by an additional KES10 billion KES20 billion KES35 billion" [X Link](https://x.com/InfinitelyDean/status/1998127578138235277) 2025-12-08T20:28Z 2810 followers, 1822 engagements "@Kela_Mulenga" [X Link](https://x.com/InfinitelyDean/status/1998135496435019805) 2025-12-08T21:00Z 2808 followers, XX engagements "1/7 Zambia does not have a policy rate problem. It has a transmission problem. A rate can signal intent but intent means nothing if the system beneath it cannot carry the message" [X Link](https://x.com/InfinitelyDean/status/1998217267381956986) 2025-12-09T02:24Z 2810 followers, 1342 engagements "The current framework essentially subsidises dollarisation. Banks can accept USD deposits lend them to exporters importers or the government and earn a spread with minimal regulatory friction. The Statutory Reserve Ratio at XXXX% on both currencies is a symmetric blunt instrument that punishes Kwacha intermediation just as much as dollar intermediation" [X Link](https://x.com/InfinitelyDean/status/1998434123590066221) 2025-12-09T16:46Z 2810 followers, XXX engagements "The SEC fee rules set a levy of XXXXX% on the buy side and XXXXX% on the sell side of every securities exchange trade and apply the same rates to off-market trades. This is instrument neutral. It applies to equities and to bonds. LuSE then layers an exchange commission on top. On the published equity trading schedule each side of a trade pays XXXXX% to the SEC and XXXX% to LuSE with brokerage commissions around XXX% and some brokers also note a small central depository levy. The Capital Markets Master Plan itself acknowledges that the LuSE business model relies heavily on trading fees from" [X Link](https://x.com/InfinitelyDean/status/1998435055098544378) 2025-12-09T16:50Z 2810 followers, XXX engagements "SaveNet groups alone mobilise over K70.0 million in savings but this capital circulates in closed loops disconnected from the sovereign yield curve. The Lusaka and Copperbelt provinces (with the highest density of bank branches) have the highest proportion of adults in informal savings groups (17.7% and XXXX% respectively in FinScope 2020). This is not exclusion due to distance. This is active substitution. Urban populations with access to banks are choosing informal groups" [X Link](https://x.com/InfinitelyDean/status/1998435431503827111) 2025-12-09T16:51Z 2810 followers, XXX engagements "One chart has sat with me all weekend. It shows the share of total bank lending in Zambia that is absorbed by the top XX largest loans. For most of the last decade those XX exposures have taken more than XX% of the entire loan book. In recent years the ratio has sat closer to XX% with peaks near 70%. In a system where money supply is already small and where a large share of bank assets is locked into government securities this matters. We do not only have concentration in corporate lending. We also have concentration in lending to the government. The sovereign piece is the classic sovereign" [X Link](https://x.com/InfinitelyDean/status/1995357189611934144) 2025-12-01T05:00Z 2808 followers, 2128 engagements "Zambias 5.2B Dollar Reserves Milestone: A Win Worth Celebrating While We Stay Honest About The Road Ahead 💪🏾 This started as a simple conversion with a friend (@OwenSichilima) on whether the headline reserves story is as strong as it sounds. Let me share where that conversation went. First the win. Zambias gross international reserves now stand at about $XXX billion as at end September 2025 the highest level ever recorded and roughly XXX months of import cover. BoZ shows this is up from about $XXX billion at end June. At the same time preliminary data show the current account moved from a" [X Link](https://x.com/InfinitelyDean/status/1996652729473630301) 2025-12-04T18:48Z 2808 followers, 6437 engagements "Zambia has a financial inclusion story. It does not yet have a financial health story. By 2020 about X in XX adults were in the system. Yet only XXXX% were financially healthy and more than X in XX borrowers took credit just to cover living expenses. The policy rate is trying to speak through a household balance sheet that is fragile overexposed and underinsured. But the blockage is not only about households. It is about a banking system that has found a rational reason to ignore them. On Tuesday I release Part X of Structure Before Sentiment. This chart is only one layer of that story. We" [X Link](https://x.com/InfinitelyDean/status/1997893905644421134) 2025-12-08T05:00Z 2810 followers, XXX engagements "I have not seen it anywhere. But going by the Kenya one see below. The US Government and the Government of Kenya intend to continue specimen testing including genetic sequencing and sharing data on detected pathogens subject to the existing laws and regulations of the Government of Kenya. The Participants may enter into further subsidiary agreements to give effect to any provisions of this Framework and any other contemplated commitments required including financing agreements data sharing agreement and specimen testing agreement" [X Link](https://x.com/InfinitelyDean/status/1998134474765377699) 2025-12-08T20:55Z 2809 followers, XX engagements "The transmission mechanism relies on the interbank market to distribute liquidity from surplus to deficit banks. In Zambia this market is segmented. Tier X international banks and a few large domestic banks hold the surplus but are reluctant to lend to smaller local banks due to counterparty risk limits. The October 2025 Financial Stability Report indicates that a single lender supplied close to XXXX% of all interbank liquidity. This is not a market; it is an oligopoly. The consequence: smaller banks bid up deposit rates to fund themselves keeping the overall cost of funds high regardless of" [X Link](https://x.com/InfinitelyDean/status/1998438020349886816) 2025-12-09T17:02Z 2810 followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@InfinitelyDean Dean N Onyambu
Dean N Onyambu posts on X about zambia, money, bank, liquidity the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX -XX%
- X Month XXXXXX +16%
- X Months XXXXXXX +375%
- X Year XXXXXXX +69%
Mentions: XX #
- X Week X -XX%
- X Month XX -XX%
- X Months XXX +410%
- X Year XXX +97%
Followers: XXXXX #
- X Week XXXXX +1.20%
- X Month XXXXX +4.60%
- X Months XXXXX +27%
- X Year XXXXX +42%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance countries currencies
Social topic influence zambia #89, money, bank #3352, liquidity, loops #357, health, carry #774, $2413t, remainder, what is
Top accounts mentioned or mentioned by @grok @chilemoono7 @bygones2023 @mofnpzambia @mwangocapital @bankofzambia @alicetalksfooty @spencerhakimian @patriotic610 @cbkkenya @aomenya @espnuk @fmwenge @lfctandy @robinjbrooks @bygones24 @opportunik @bradsetser @mutisungezulu @swedishrumble
Top Social Posts
Top posts by engagements in the last XX hours
"1 /7 Zambia still runs a shallow engine. Broad money M3 is about XXXX% of GDP compared with a decade-average of 25.5%. Most of that apparent deepening comes from the kwacha's valuation of dollar deposits not from real expansion in local-currency balances. See the money supply chart"
X Link 2025-12-06T01:32Z 2809 followers, XXX engagements
"A lower reserve ratio frees a little liquidity but in a system like ours it does not translate into new private credit. Banks already place more than half of their local currency deposits into government securities and still lend only about XX% of deposits. The structural story is not the size of SRR. It is the sovereign demand for deposits the heavy foreign currency share of the loan book and the narrow corporate channel that absorbs almost everything before it reaches SMEs or households. The Journey of K100 shows that clearly. The SRR increase was a targeted defence against depreciation and"
X Link 2025-12-06T07:26Z 2811 followers, XX engagements
"6/7 The Journey of K100 shows how each new kwacha deposit is trapped. About K26 sits as reserves. Roughly half of the remainder cycles into government securities directly or through collateral loops. What is left flows through a concentrated corporate and payroll book before a small slice reaches everyone else. See the local currency deposits and government securities split chart"
X Link 2025-12-06T01:32Z 2809 followers, XX engagements
"A few hours ago the Kenyan government published the full health cooperation framework with the United States. The timing is not accidental. Public debate has focused on reports of a 25-year data-sharing clause. The signed document reads differently and is worth a careful read. Three things the framework confirms: X. This is a 5-year fiscal and systems compact not a charity envelope. The framework runs from 2026 to 2030. The United States intends to provide approximately $XXX billion. Kenya commits to step up domestic health spending by an additional KES10 billion KES20 billion KES35 billion"
X Link 2025-12-08T20:28Z 2810 followers, 1822 engagements
"@Kela_Mulenga"
X Link 2025-12-08T21:00Z 2808 followers, XX engagements
"1/7 Zambia does not have a policy rate problem. It has a transmission problem. A rate can signal intent but intent means nothing if the system beneath it cannot carry the message"
X Link 2025-12-09T02:24Z 2810 followers, 1342 engagements
"The current framework essentially subsidises dollarisation. Banks can accept USD deposits lend them to exporters importers or the government and earn a spread with minimal regulatory friction. The Statutory Reserve Ratio at XXXX% on both currencies is a symmetric blunt instrument that punishes Kwacha intermediation just as much as dollar intermediation"
X Link 2025-12-09T16:46Z 2810 followers, XXX engagements
"The SEC fee rules set a levy of XXXXX% on the buy side and XXXXX% on the sell side of every securities exchange trade and apply the same rates to off-market trades. This is instrument neutral. It applies to equities and to bonds. LuSE then layers an exchange commission on top. On the published equity trading schedule each side of a trade pays XXXXX% to the SEC and XXXX% to LuSE with brokerage commissions around XXX% and some brokers also note a small central depository levy. The Capital Markets Master Plan itself acknowledges that the LuSE business model relies heavily on trading fees from"
X Link 2025-12-09T16:50Z 2810 followers, XXX engagements
"SaveNet groups alone mobilise over K70.0 million in savings but this capital circulates in closed loops disconnected from the sovereign yield curve. The Lusaka and Copperbelt provinces (with the highest density of bank branches) have the highest proportion of adults in informal savings groups (17.7% and XXXX% respectively in FinScope 2020). This is not exclusion due to distance. This is active substitution. Urban populations with access to banks are choosing informal groups"
X Link 2025-12-09T16:51Z 2810 followers, XXX engagements
"One chart has sat with me all weekend. It shows the share of total bank lending in Zambia that is absorbed by the top XX largest loans. For most of the last decade those XX exposures have taken more than XX% of the entire loan book. In recent years the ratio has sat closer to XX% with peaks near 70%. In a system where money supply is already small and where a large share of bank assets is locked into government securities this matters. We do not only have concentration in corporate lending. We also have concentration in lending to the government. The sovereign piece is the classic sovereign"
X Link 2025-12-01T05:00Z 2808 followers, 2128 engagements
"Zambias 5.2B Dollar Reserves Milestone: A Win Worth Celebrating While We Stay Honest About The Road Ahead 💪🏾 This started as a simple conversion with a friend (@OwenSichilima) on whether the headline reserves story is as strong as it sounds. Let me share where that conversation went. First the win. Zambias gross international reserves now stand at about $XXX billion as at end September 2025 the highest level ever recorded and roughly XXX months of import cover. BoZ shows this is up from about $XXX billion at end June. At the same time preliminary data show the current account moved from a"
X Link 2025-12-04T18:48Z 2808 followers, 6437 engagements
"Zambia has a financial inclusion story. It does not yet have a financial health story. By 2020 about X in XX adults were in the system. Yet only XXXX% were financially healthy and more than X in XX borrowers took credit just to cover living expenses. The policy rate is trying to speak through a household balance sheet that is fragile overexposed and underinsured. But the blockage is not only about households. It is about a banking system that has found a rational reason to ignore them. On Tuesday I release Part X of Structure Before Sentiment. This chart is only one layer of that story. We"
X Link 2025-12-08T05:00Z 2810 followers, XXX engagements
"I have not seen it anywhere. But going by the Kenya one see below. The US Government and the Government of Kenya intend to continue specimen testing including genetic sequencing and sharing data on detected pathogens subject to the existing laws and regulations of the Government of Kenya. The Participants may enter into further subsidiary agreements to give effect to any provisions of this Framework and any other contemplated commitments required including financing agreements data sharing agreement and specimen testing agreement"
X Link 2025-12-08T20:55Z 2809 followers, XX engagements
"The transmission mechanism relies on the interbank market to distribute liquidity from surplus to deficit banks. In Zambia this market is segmented. Tier X international banks and a few large domestic banks hold the surplus but are reluctant to lend to smaller local banks due to counterparty risk limits. The October 2025 Financial Stability Report indicates that a single lender supplied close to XXXX% of all interbank liquidity. This is not a market; it is an oligopoly. The consequence: smaller banks bid up deposit rates to fund themselves keeping the overall cost of funds high regardless of"
X Link 2025-12-09T17:02Z 2810 followers, XXX engagements