The U.S. dollar now holds just 56.32% of global foreign exchange reserves — the lowest since 1995. Down from 72% in 2001, central banks managing $12 trillion are quietly diversifying. Gold purchases topped 1,000 tonnes annually for three straight years. BRICS nations are settling trade outside the dollar. America's financial monopoly isn't collapsing — but its grip is loosening, one percentage point at a time.