XRPL validator Vet recently reviewed the 7.8 million $XRPwallets, assessing how they might be affected by future quantum computing risks.

He examinedthe full history of 7,810,364 accounts on the $XRPLedger. His findings showthat 23.16 billion $XRPis currently held in wallets that areconsidered safe from quantum threats.

Key Points

• Vetreviewed 7,810,364 $XRPaccounts, identifying 23.16 billion $XRPas currently quantum safe.
• About76.82 billion $XRPacross 5.6 million accounts is exposed, but96% belongsto active users.
• Wallets inactive for 5+years hold 2.94% of supply, while pre-2014 accounts make up just 0.02%.
• 27.21% of accounts (2.13 million wallets) are quantum safe, mainlydue to notransaction history or key rotation.

What Makes a Wallet Safe?

Vet stressed that a wallet’s safety depends on whether it has ever signed a transaction. If it hasn’t, its public key stays hidden, which makes it harder for a quantum computer to attack.

Based on this, he found that a large share of $XRPalready sits in protected accounts. He also pointed out that the long-term solution will likely involve new quantum-resistant encryption, which will allow users to move their funds into safer wallets.

However, not everyone will be able to do that. Some users may have lost access to their wallets, forgotten their keys, or simplybe unable to act due to personal situations.Those accounts could remain at risk in the future.

Dormant $XRPWallets

According to Vet, dormant walletswere the most difficult part of the issue. Notably, active users can movetheir funds without much trouble, but inactive accounts are harder to deal withbecause no one knows why they have been left untouched.

This raises an important question for the community: should those funds remain exposed, or should there be a way to protect them?

He then assessed all 7.8 million accounts and their activity and found that 76.82 billion $XRP, spread across 5.6 million accounts, is considered exposed when looking atthe full history alone.

However, 96% of that exposed $XRPbelongs to active accounts, meaning those users are still engaged and likely to move their funds when needed.

When Vet broke the data downby time, he found that wallets inactive for at least 5 years hold 2.94% of the total $XRPsupply, or 3.83% of exposed $XRP.At the far end, accounts that have not been active since 2013 make upjust 0.02% of the total supply, or 0.03% of exposed $XRP.

He noted that this pattern follows a long-tail distribution, with 1.33 million accounts in the 5+ year group compared to just 14,710 accounts from before 2014.

For context, the XRPL validator compared this to Bitcoin, where early holdings linked to Satoshi make up about5% of total supply, much of which may never moveto safer addresses.

Safe and Exposed $XRPSupply

Vet’sfindings show that 27.21% of all XRPL accounts, or about2.13 million wallets, holding 23.16 billion $XRP, are currently safe from quantum threats.He divided these into two main groups.

Of this category, 24.56% of accounts are safe because they have never signed a transaction. Meanwhile, 2.65% of the accounts are safe because they have taken extra steps by rotating keys and disabling their master keys.

He also highlighted 242 multi-signature wallets that togetherhold 36.60 billion $XRP, which is36.6% of the total supply.These include major wallets such as Ripple’s escrow accounts.

Despite this, he stressed that multi-signature walletsare not automatically safe. They still require proper key management and regular updates to stay protected.

Looking atthe earliest accounts, often compared to Bitcoin’s early-era wallets, he found they represent only 0.02% of the total $XRPsupply that is both inactive and exposed.He also noted that exposure increases as more recently active accounts are included, which shows the importance of ongoing activity and maintenance.

Overall, the 23.16 billion $XRPidentified as safe belongs to wallets that either never revealed their public keys or have already taken steps to improve their security.

Four-Phase Roadmap to Quantum Resilience

Right now, the $XRPLedger usesstandard cryptographymethods such asEd25519 and secp256k1, which couldbecome vulnerable in the future but remain safetoday.

To prepare for this, Ripple has already set out a plan. Earlier this month, they introduced a four-phase roadmapto make the network fully ready for quantum threats by 2028. Work is already in progress, including early testing of new systems, while later stages will bring updates to the main network.