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.

According to @Nick_van_Eck, Agora is partnering with @hizonpm and the Mu team to launch institutional-grade onchain credit products with stated capacity in the billions, indicating large-scale credit liquidity entering DeFi rails (source: @Nick_van_Eck on X). The announcement specifies product type (institutional onchain credit) and scale (“capacity in the billions”), which traders can monitor for effects on DeFi credit spreads, stablecoin utilization, and yield opportunities upon launch disclosures (source: @Nick_van_Eck on X). Near-term trading focus includes tracking the launch for details on chain selection, pool structure and tranching, underwriting standards, target APYs, and access controls to assess risk-adjusted returns and liquidity depth (source: @Nick_van_Eck on X).

According to Pedro Gomes, an X post on Nov 12, 2025 highlighted a 'huge step toward crypto becoming a full‑fledged payments platform available to everyone with onchain credit,' referencing an external update by @sprinter_ux for more details. Source: Pedro Gomes on X, Nov 12, 2025; link to @sprinter_ux post. The post itself does not name a product, protocol, token, or integration, so no immediate trading conclusions can be drawn from this item alone. Source: Pedro Gomes on X, Nov 12, 2025. Traders focused on onchain credit and Web3 payments should monitor the linked @sprinter_ux thread for official specifics before positioning, as the author directed attention there. Source: Pedro Gomes on X, Nov 12, 2025; link to @sprinter_ux post.