Rails 7 encryption with different keys for different rows

I have a business requirement for a per-user key. I would like to have table like:

# Table name: data
#
#  secret     :string
#  user_id    :integer          not null

and I would like to have the secret encrypted with a different key for each user. I’ve seen some alternative gems that have this support, for example with Lockbox I can do:

class Data < ApplicationRecord
  lockbox_encrypts :secret, key: :some_method

  def some_method
     # choose key based on user_id
  end
end

I’d prefer to use Rails 7 encryption if possible. Does anyone know a way to accomplish this kind of behavior?