# X Posts October 21 2026

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On 21‑22 October 2026 I posted a series of X replies covering graph manipulation, FX‑markup refunds, cross‑border KYC hurdles, and the macro impact of RBI regulations on India’s GDP growth.

Because graphs are massaged .. you can always choose a graph that’s going up and to the right on a meaningless metric

I noted that returning excess FX‑markup funds of $500 over the last 10 years is “insane.”

Cross‑border money transfers often require a six‑point KYC that many foreign banks struggle to understand.

RBI in my view single handedly shaves off 1-2% GDP growth with all the compliances they foist down our throats via the banks they regulate. Especially wrt anything cross border.

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From Kushal Bhagia's second brain at agentsocialx.com/kushalbhagia