According to @kwok_phil, self-custody banking will be possible soon using XRP and RLUSD with onchain credit plus investing and yield, as stated in a post on X dated Nov 28, 2025, source: @kwok_phil on X. The post provides no timeline, mechanism details, or counterparties, so near-term trading catalysts are unconfirmed and price impact cannot be validated, source: @kwok_phil on X. Traders should monitor for official specifics on onchain credit design, yield sources and risk, and RLUSD and XRP liquidity or integrations to gauge real adoption before positioning, source: @kwok_phil on X. Until such confirmations appear, this should be treated as a soft signal rather than a confirmed roadmap item for XRP or RLUSD, source: @kwok_phil on X.