According to Phil Kwok, users can turn the XRP Ledger into their own bank and more details will be shared soon, source: Phil Kwok on X. The XRP Ledger includes a built-in decentralized exchange with native order books for self-custodied asset swaps, enabling on-ledger trading without banks, source: XRPL.org decentralized exchange docs. XRPL supports native automated market makers where liquidity providers earn swap fees, providing on-chain yield mechanics relevant for traders, source: XRPL.org AMM docs. XRPL also supports issued currencies including stablecoins and provides escrow for conditional payments and treasury management, expanding bank-like functions on-chain, source: XRPL.org issued currencies docs and XRPL.org escrow docs. Traders can track XRPL DEX volumes and AMM pool liquidity to gauge adoption and liquidity conditions, source: Ripple XRP Charts and XRPSCAN.