According to Bitcoinist, the XRP Ledger Foundation has designed quantum-resistant accounts using ML-DSA-44, a lattice-based signature scheme approved by the U.S. National Institute of Standards and Technology (NIST) in 2024. Users can add the new quantum-resistant signing key and disable the original elliptic-curve key without paying extra transaction fees. Account addresses and balances would remain unchanged, with no need to move funds.

The proposal addresses the threat posed by quantum computers potentially breaking current cryptography. Every time an account signs a payment, its public key becomes visible; a sufficiently powerful quantum computer could later recover the private key from that data. Network testing and formal migration studies are planned for the first half of 2027, with further development and auditing expected through 2028. Ripple has separately targeted a full quantum transition by 2028.

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