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Ripple has unveiled a four-stage plan to make the XRP Ledger quantum-resistant by 2028, addressing long-term risks of future decryption attacks.
Ripple has launched a four-stage infrastructure roadmap to secure the XRP Ledger (XRPL) against potential quantum computing threats by 2028 [2]. The initiative addresses the "harvest now, decrypt later" risk, where attackers collect encrypted blockchain data today to compromise it once advanced quantum machines become available [2].
| At a glance | |
|---|---|
| Target Completion | 2028 |
| Upgrade Phases | 4 |
| Primary Risk | Quantum decryption of public keys |
| Core Strategy | Hybrid cryptographic rollout |
The transition is designed as a long-term infrastructure overhaul rather than an immediate patch [2]. Ripple’s plan begins with an emergency response strategy for a "Quantum-Day" scenario, followed by testing quantum-resistant algorithms in early 2026 [2]. By late 2026, the network intends to run new cryptographic systems alongside existing ones to evaluate performance impacts [2]. The final phase, scheduled for 2028, involves a full migration to post-quantum signatures [2].
To maintain network stability during this transition, Ripple is utilizing a hybrid rollout approach [2]. By running legacy and new cryptographic systems simultaneously, developers can quantify the performance trade-offs associated with quantum-resistant signatures, which are typically more resource-intensive [2]. The project is currently collaborating with Project Eleven to conduct validator-level experiments and develop custody prototypes [2].
The XRPL possesses built-in features that may simplify this migration compared to other blockchain networks [2]. The ledger supports native key rotation, which allows users to refresh cryptographic keys without needing to create new accounts [2]. Additionally, the network’s deterministic key generation is designed to handle security upgrades with minimal user inconvenience [2].
While the threat is not immediate, the nature of the XRPL—where every signed transaction reveals a public key—creates a growing attack surface as quantum capabilities evolve [2]. Ripple is also investigating the use of zero-knowledge proofs to facilitate the secure migration of funds should current cryptographic standards fail [2].
The move places the XRPL among the first blockchain networks to establish a cohesive, long-term roadmap for quantum readiness. Whether this proactive infrastructure shift influences broader industry standards remains the primary question as other networks continue to define their own quantum strategies [2].
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Ripple Treasury is working with major financial institutions including JPMorgan, Goldman Sachs, and the SWIFT network to facilitate corporate payments. As of September 2026, the platform manages corporate treasury functions for 1,100 clients and is scheduled to be presented at the Sibos 2026 conference.
The number of active accounts on the XRP Ledger fell by 23% in the first half of 2026, a trend observed across most major blockchains during that period. While some users may have exited the market, the data does not definitively prove whether the decline is due to retail users leaving or institutional traders consolidating multiple wallets into fewer accounts.
As of Q2 2026, the average value of tokenized assets and RLUSD stablecoin balances held on the XRP Ledger totaled $4.26 billion. This figure includes $3.72 billion in tokenized Treasury bills and fund shares, alongside $539 million in RLUSD stablecoin balances.