Encrypt credentials when loading from team config

[traeok]

Is your feature or enhancement request related to a problem or limitation? Please describe

It would be nice to encrypt credentials when reading them in from the credential vaults.
Consider using XOR if possible as bitwise operation is faster than base64.

Describe your enhancement idea

Encrypt credentials as part of reading them from team config (loading process)

Describe alternatives you've considered

Provide any additional context

[github-actions]

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