Ripple’s escrow accounts are among the wallets that might not be as secure as they seem. A new analysis of every account on the XRP Ledger found that multi-signature wallets—including those linked to Ripple—hold 36.60 billion XRP, which is over 36% of the total supply. However, these wallets aren’t automatically protected against future quantum threats without proper key management.
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The analysis was done by XRPL validator Vet, who examined all 7,810,364 accounts on the XRP Ledger. Based on that review, 23.16 billion XRP is currently in wallets considered safe from quantum attacks. That’s about 27% of all accounts—roughly 2.13 million wallets. Two things make them safe: either the wallets have never signed a transaction (so their public key has never been exposed), or the account holders rotated their keys and disabled master keys as an extra security step. The first group makes up over 24% of accounts, while the second, more deliberate group accounts for 2.65%.
The logic is simple. When a wallet signs a transaction, its public key becomes visible on the ledger. A powerful enough quantum computer could theoretically use that public key to work backward and figure out the private key. Wallets that have never signed anything don’t have that exposure.
Did a Full History deep dive on all 7.8M XRP Accounts for Quantum Threat exposure targeting dormant accounts. Genesis XRP accounts, the Satoshi Era equivalent, is 0.02% of all XRP supply that is dormant and exposed. Exposed supply increases as dormancy thresholds are lowered.… https://t.co/AxINT1RaXV pic.twitter.com/QvZD8zBCNg — Vet (@Vet_X0) April 29, 2026
Dormant Accounts Raise Hard Questions
On the other side, 76.82 billion XRP spread across 5.6 million accounts is considered exposed. But Vet noted that 96% of that amount belongs to users who are still active—people who can move their funds to safer addresses when needed. The bigger problem is dormant accounts. Wallets that have been inactive for five or more years hold 2.94% of the total XRP supply, which is 3.83% of all exposed XRP. At the extreme end, accounts with no activity since before 2014 represent just 0.02% of total supply. Reports say that group includes only 14,710 accounts, compared to 1.33 million in the five-year inactive category.
For context, Vet pointed to Bitcoin, where holdings tied to Satoshi Nakamoto make up about 5% of total supply—much of which may never be moved. No one knows why dormant wallets were abandoned. Lost keys, forgotten accounts, and personal circumstances all play a role. That uncertainty makes them the hardest part of the quantum exposure problem.
A 2028 Deadline Already In Motion
The XRP Ledger currently uses Ed25519 and secp256k1 cryptographic standards. Both are still secure today, but could become vulnerable as quantum computing advances.
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Ripple has laid out a four-phase plan to make the network fully quantum-resistant by 2028. Early testing of new systems is already happening, with updates to the main network planned for later phases. The long-term fix for exposed wallets is expected to involve quantum-resistant encryption that lets users move funds to better-protected addresses. That works for people who still have access. For those who don’t—whether due to lost credentials or other reasons—the exposure may be permanent.
Featured image from ForkLog, chart from TradingView
Frequently Asked Questions
Here is a list of FAQs about the news that over 23 billion XRP are now quantumsafe written in a natural tone with clear answers
BeginnerLevel Questions
Q What does quantumsafe mean for XRP
A It means those XRP are stored in wallets using special cryptography that is believed to be resistant to attacks from future quantum computers Regular crypto could be broken by a powerful enough quantum machine
Q Is this a new feature that Ripple just added
A No This analysis shows that many existing XRP wallets were already created using a specific type of cryptography that happens to be quantumresistant It wasnt a new software update its a discovery about the current network
Q Does this mean XRP is now 100 safe from quantum computers
A Not entirely It means a large portion of the circulating supply is stored in wallets that are much harder for a quantum computer to crack Other wallets using older cryptography are still vulnerable
Q Why does 23 billion XRP matter Is that a lot
A Yes The total supply of XRP is 100 billion So 23 billion is a significant chunkroughly 23 of all XRP that could ever exist
Q Do I need to do anything to make my XRP quantumsafe
A It depends on how you store it If your wallet uses an older address format you might need to migrate to a newer quantumresistant wallet in the future Check with your wallet provider
IntermediateLevel Questions
Q How did the analysis determine that 23 billion XRP are quantumsafe
A The analysis looked at the cryptographic signature schemes used by each wallet on the XRP Ledger Wallets using the Ed25519 scheme were counted as quantumsafe while those using the older ECDSA scheme were not
Q Whats the difference between Ed25519 and ECDSA in terms of quantum resistance
A Ed25519 is based on elliptic curves that are currently believed to be harder for quantum computers to break than the older ECDSA However neither is fully quantumproof yetEd25519 just offers a stronger buffer against nearterm