XRP Quantum Risk Remains with Only 0.03% Supply Vulnerable

• XRP faces minimal quantum risk, with only a tiny fraction of wallets exposing public keys to threats.
• XRPL’s key rotation feature helps users stay protected, though full quantum resistance still needs upgrades.
• Post-quantum testing on XRPL shows progress, but larger signatures may impact speed and efficiency.

XRP users face very little risk from quantum computing, according to XRP contributor Vet. Only 0.03% of XRP is in dormant wallets with exposed public keys. Most accounts are active, regularly updating their cryptographic keys. As quantum computing research speeds up, these risks have become important for investors and developers to understand.

In a post on X, Vet said about 300,000 XRP accounts, holding 2.4 billion XRP, have never made a transaction. Their public keys are therefore unknown and remain safe from quantum threats. 

Only two wallets, each holding 21 million XRP, have exposed keys. “Dormant vulnerable XRP whales are almost nonexistent,” Vet noted, pointing out a clear difference with Bitcoin, where old large holdings expose public keys.

Quantum Readiness and Ledger Mechanics

The XRP Ledger (XRPL) uses an account-based system, which allows users to change their signing keys without moving their funds. Vet said, “the XRP Ledger is account-based and allows for signing key rotation.” Still, this approach isn’t fully safe against quantum attacks, and new post-quantum algorithms will be needed for full protection.

Experts added that a recipient’s public key stays safe until they send a transaction. Vet explained, “it gets exposed to the account the transaction is coming from (signed by). The receiver is fine as long as they haven’t had a transaction signed.” This helps protect new wallets but requires users to be careful when sending funds.

Industry Concerns and Post-Quantum Efforts

Grayscale Research warned that Google Quantum AI’s March 2026 findings could let Shor’s algorithm break Bitcoin’s encryption. Meanwhile, the XRP Ledger is testing post-quantum cryptography. 

Its AlphaNet testnet added CRYSTALS-Dilithium (ML-DSA) to secure transactions and consensus. These new signatures are larger, which increases transaction sizes and slows processing.

The XRPL now has over 7.76 million active addresses, with about 1.13 million dormant wallets holding small balances. Dormancy has stayed steady at 3.8%–4.1%, keeping overall exposure low. As a result, XRP faces far less quantum risk than Bitcoin, while developers continue improving hybrid cryptography and other safety measures.

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