diff --git a/src/test/rpc/AccountLines_test.cpp b/src/test/rpc/AccountLines_test.cpp
index dc00183bad..c87f5bd1cc 100644
--- a/src/test/rpc/AccountLines_test.cpp
+++ b/src/test/rpc/AccountLines_test.cpp
@@ -3,6 +3,7 @@
 #include <test/jtx/Env.h>
 #include <test/jtx/TestHelpers.h>
 #include <test/jtx/amount.h>
+#include <test/jtx/credentials.h>
 #include <test/jtx/deposit.h>
 #include <test/jtx/escrow.h>
 #include <test/jtx/flags.h>
@@ -32,6 +33,7 @@
 #include <cstddef>
 #include <optional>
 #include <string>
+#include <utility>
 #include <vector>
 
 namespace xrpl::rpc {
@@ -517,6 +519,71 @@ public:
             rpc::makeError(RpcInvalidParams)[jss::error_message]);
     }
 
+    void
+    testMarkerNewObjectTypes()
+    {
+        // Regression: pagination across account_lines / account_offers /
+        // account_channels must not reject a marker whose SLE is a
+        // Credential (or any post-2023 owner-directory entry).
+        testcase("Marker on new owner-directory entry types (Credential)");
+
+        using namespace test::jtx;
+
+        // Walk the owner directory via `rpcMethod` at limit=1 and return
+        // the total number of paged calls plus whether the RPC ever
+        // returned "invalidParams" during pagination.
+        auto walkPages = [](Env& env, Account const& account, char const* rpcMethod) {
+            std::optional<std::string> marker;
+            int iterations = 0;
+            bool hitInvalidParams = false;
+            for (int guard = 0; guard < 20; ++guard)
+            {
+                json::Value params;
+                params[jss::account] = account.human();
+                params[jss::limit] = 1;
+                if (marker)
+                    params[jss::marker] = *marker;
+                auto const resp = env.rpc("json", rpcMethod, to_string(params))[jss::result];
+                ++iterations;
+                if (resp.isMember(jss::error))
+                {
+                    hitInvalidParams = resp[jss::error].asString() == "invalidParams";
+                    break;
+                }
+                if (!resp.isMember(jss::marker))
+                    break;
+                marker = resp[jss::marker].asString();
+            }
+            return std::pair{iterations, hitInvalidParams};
+        };
+
+        for (char const* rpcMethod : {"account_lines", "account_offers", "account_channels"})
+        {
+            Env env(*this);
+
+            Account const alice{"alice"};
+            Account const issuer{"issuer"};
+            env.fund(XRP(10000), alice, issuer);
+            env.close();
+
+            auto const usd = issuer["USD"];
+            env(trust(alice, usd(200)));
+
+            for (int i = 0; i < 4; ++i)
+            {
+                env(credentials::create(alice, issuer, std::string("Cred") + std::to_string(i)));
+            }
+            env.close();
+
+            auto const [iterations, hitInvalidParams] = walkPages(env, alice, rpcMethod);
+            BEAST_EXPECTS(!hitInvalidParams, rpcMethod);
+            // 1 trust line + 4 credentials — pagination walks all owner-dir
+            // entries regardless of which the RPC includes in its results.
+            BEAST_EXPECTS(
+                iterations == 5, std::string(rpcMethod) + ": " + std::to_string(iterations));
+        }
+    }
+
     void
     testAccountLinesWalkMarkers()
     {
@@ -625,8 +692,8 @@ public:
         env(ticket::create(alice, 2));
 
         // Add another trustline for good measure
-        auto const btCbecky = becky["BTC"];
-        env(trust(alice, btCbecky(200)));
+        auto const btcBecky = becky["BTC"];
+        env(trust(alice, btcBecky(200)));
 
         env.close();
 
@@ -1325,6 +1392,7 @@ public:
         testAccountLines();
         testAccountLinesMarker();
         testAccountLineDelete();
+        testMarkerNewObjectTypes();
         testAccountLinesWalkMarkers();
         testAccountLines2();
         testAccountLineDelete2();
diff --git a/src/test/rpc/RPCHelpers_test.cpp b/src/test/rpc/RPCHelpers_test.cpp
index 25368235a3..ac57f4e2ac 100644
--- a/src/test/rpc/RPCHelpers_test.cpp
+++ b/src/test/rpc/RPCHelpers_test.cpp
@@ -5,8 +5,12 @@
 #include <xrpl/json/json_value.h>
 #include <xrpl/protocol/ErrorCodes.h>
 #include <xrpl/protocol/LedgerFormats.h>
+#include <xrpl/protocol/SField.h>
 #include <xrpl/protocol/jss.h>
 
+#include <set>
+#include <string>
+
 namespace xrpl::test {
 
 class RPCHelpers_test : public beast::unit_test::Suite
@@ -66,10 +70,40 @@ public:
         BEAST_EXPECT(result.second == 0);
     }
 
+    void
+    testOwnerDirNodeFieldsCoverage()
+    {
+        // Every UINT64 sf*Node field must be classified: either it is an
+        // owner-directory page hint (rpc::isOwnerDirNodeField()) or it
+        // belongs to a book directory (exclusion set below). Adding a new
+        // sf*Node UINT64 without updating one of these lists trips this
+        // test.
+        testcase("Owner-directory Node fields coverage");
+
+        // Book-directory page hints, not owner-directory. sfBookNode: offer
+        // book. sfNFTokenOfferNode: NFT bid/ask book.
+        std::set<SField const*> const nonOwnerDirNodes{
+            &sfBookNode,
+            &sfNFTokenOfferNode,
+        };
+
+        for (auto const& [_, sf] : SField::getKnownCodeToField())
+        {
+            if (sf->fieldType != STI_UINT64 || !sf->getName().ends_with("Node"))
+                continue;
+            BEAST_EXPECTS(
+                rpc::isOwnerDirNodeField(*sf) || nonOwnerDirNodes.contains(sf),
+                "sf" + sf->getName() +
+                    ": add to kOwnerDirNodeFields (owner-dir page hint) "
+                    "or to nonOwnerDirNodes (book-dir).");
+        }
+    }
+
     void
     run() override
     {
         testChooseLedgerEntryType();
+        testOwnerDirNodeFieldsCoverage();
     }
 };
 
diff --git a/src/xrpld/rpc/detail/RPCHelpers.cpp b/src/xrpld/rpc/detail/RPCHelpers.cpp
index 18a6863b40..c51b35abbe 100644
--- a/src/xrpld/rpc/detail/RPCHelpers.cpp
+++ b/src/xrpld/rpc/detail/RPCHelpers.cpp
@@ -14,13 +14,13 @@
 #include <xrpl/beast/utility/Journal.h>
 #include <xrpl/beast/utility/instrumentation.h>
 #include <xrpl/core/ServiceRegistry.h>
+#include <xrpl/ledger/ReadView.h>
 #include <xrpl/protocol/AccountID.h>
 #include <xrpl/protocol/Asset.h>
 #include <xrpl/protocol/ErrorCodes.h>
 #include <xrpl/protocol/Indexes.h>
 #include <xrpl/protocol/Issue.h>
 #include <xrpl/protocol/KeyType.h>
-#include <xrpl/protocol/Keylet.h>
 #include <xrpl/protocol/LedgerFormats.h>
 #include <xrpl/protocol/PublicKey.h>
 #include <xrpl/protocol/RPCErr.h>
@@ -66,38 +66,47 @@ getStartHint(SLE::ConstRef sle, AccountID const& accountID)
     return sle->getFieldU64(sfOwnerNode);
 }
 
+namespace {
+
+// UINT64 sf*Node fields that record a page number in an owner directory.
+// Keep in sync with sfields.macro; the xrpl.rpc.RPCHelpers test enforces it.
+constexpr std::array<SField const*, 9> kOwnerDirNodeFields{
+    &sfOwnerNode,
+    &sfLowNode,
+    &sfHighNode,
+    &sfDestinationNode,
+    &sfIssuerNode,
+    &sfSubjectNode,
+    &sfSponseeNode,
+    &sfLoanBrokerNode,
+    &sfVaultNode,
+};
+
+}  // namespace
+
+bool
+isOwnerDirNodeField(SField const& field)
+{
+    return std::ranges::contains(kOwnerDirNodeFields, &field);
+}
+
 bool
 isRelatedToAccount(ReadView const& ledger, SLE::ConstRef sle, AccountID const& accountID)
 {
-    if (sle->getType() == ltRIPPLE_STATE)
-    {
-        return (sle->getFieldAmount(sfLowLimit).getIssuer() == accountID) ||
-            (sle->getFieldAmount(sfHighLimit).getIssuer() == accountID);
-    }
-    if (sle->isFieldPresent(sfAccount))
-    {
-        // If there's an sfAccount present, also test the sfDestination, if
-        // present. This will match objects such as Escrows (ltESCROW), Payment
-        // Channels (ltPAYCHAN), and Checks (ltCHECK) because those are added to
-        // the Destination account's directory. It intentionally EXCLUDES
-        // NFToken Offers (ltNFTOKEN_OFFER). NFToken Offers are NOT added to the
-        // Destination account's directory.
-        return sle->getAccountID(sfAccount) == accountID ||
-            (sle->isFieldPresent(sfDestination) && sle->getAccountID(sfDestination) == accountID);
-    }
-    if (sle->getType() == ltSIGNER_LIST)
-    {
-        Keylet const accountSignerList = keylet::signerList(accountID);
-        return sle->key() == accountSignerList.key;
-    }
-    if (sle->getType() == ltNFTOKEN_OFFER)
-    {
-        // Do not check the sfDestination field. NFToken Offers are NOT added to
-        // the Destination account's directory.
-        return sle->getAccountID(sfOwner) == accountID;
-    }
+    // Marker validator for account_lines / account_offers / account_channels
+    // pagination: probes each owner-directory page-hint field on `sle` and
+    // returns true iff `sle`'s key is present on that page in `accountID`'s
+    // owner directory. Bounded by kOwnerDirNodeFields.size() ledger reads.
+    auto const ownerDir = keylet::ownerDir(accountID);
 
-    return false;
+    auto const pageContainsKey = [&](std::uint64_t node) {
+        auto const page = ledger.read(keylet::page(ownerDir, node));
+        return page && std::ranges::contains(page->getFieldV256(sfIndexes), sle->key());
+    };
+
+    return std::ranges::any_of(kOwnerDirNodeFields, [&](SField const* field) {
+        return sle->isFieldPresent(*field) && pageContainsKey(sle->getFieldU64(*field));
+    });
 }
 
 HashSet<AccountID>
diff --git a/src/xrpld/rpc/detail/RPCHelpers.h b/src/xrpld/rpc/detail/RPCHelpers.h
index 1d527742b0..adafcf4af3 100644
--- a/src/xrpld/rpc/detail/RPCHelpers.h
+++ b/src/xrpld/rpc/detail/RPCHelpers.h
@@ -14,6 +14,7 @@
 #include <xrpl/protocol/ErrorCodes.h>
 #include <xrpl/protocol/LedgerFormats.h>
 #include <xrpl/protocol/PublicKey.h>
+#include <xrpl/protocol/SField.h>
 #include <xrpl/protocol/STLedgerEntry.h>  // IWYU pragma: keep
 #include <xrpl/protocol/SecretKey.h>
 #include <xrpl/protocol/Seed.h>
@@ -60,6 +61,17 @@ getStartHint(SLE::ConstRef sle, AccountID const& accountID);
 bool
 isRelatedToAccount(ReadView const& ledger, SLE::ConstRef sle, AccountID const& accountID);
 
+/**
+ * @brief Checks whether an SField is a UINT64 sf*Node owner-directory
+ *        page-hint field probed by `isRelatedToAccount`.
+ *
+ * @param field The SField to test.
+ * @return true if the field is one of the owner-directory page-hint
+ *         fields, false otherwise.
+ */
+bool
+isOwnerDirNodeField(SField const& field);
+
 /**
  * @brief Parses an array of account IDs from a JSON value.
  *