In fact, I have followed not only the ANN topic of Xcash, but also the Discord channel, and Twitter of X-cash to be able to most fastly catch news of Xcash project.
I wish that the testing phase will pass with successful results and news will be released in the February.
NO ETA for the launching of the X-BANK, the team need to make some several tests before the X-bank actually release into the public. Let's wait and keep your eyes on announcement from X-cash.