The XRP Ledger has set out a plan to protect accounts from future quantum computers, allowing users to add quantum-resistant signing keys without paying higher transaction fees. The design, in the XRP Ledger Foundation's 2027 protocol roadmap updated on 4 November, would let account owners add a new key and switch off the original one, [CoinDesk](https://www.coindesk.com/tech/2026/11/10/xrp-ledger-maps-out-quantum-proof-accounts-with-no-extra-fees-for-users) reported on 10 November 2026. ## How the quantum-proof accounts work The new key uses ML-DSA-44, a signature scheme approved by the US National Institute of Standards and Technology (NIST) in 2024 to withstand quantum attacks. The key and signature together take 3,732 bytes, compared with 105 bytes for a regular payment, or about 3.6 kilobytes of extra data per protected transaction. Despite that, the proposal keeps the base transaction fee unchanged, leaving network operators to absorb the additional storage cost. ## A staged path to 2028 Ripple is targeting a full transition to quantum-resistant technology by 2028. The Foundation has scheduled a migration study for the first half of 2027, with development and auditing to follow in late 2027 or 2028. Its roadmap sets aside $215,000 to $255,000 for review and auditing of the amendment, plus 640 hours of development work, [CryptoNews](https://cryptonews.net/news/altcoins/33728100/) reported. ## Still a proposal, not a live feature The upgrade remains a draft. Technical fixes and network testing are unfinished, and no quantum-resistant account feature is live on the main network today. The Foundation stressed that quantum computers do not currently pose a practical threat to the ledger's security. The plan, reported on 10 November 2026, aims to close the risk before it becomes urgent.