31B XRP sits on quantum-exposed keys Will holders swap keys before 2028?

31.4B $XRP in the top 1000 accounts sits on exposed keys from past signatures.

The XRPL Foundation plans ML-DSA-44 quantum-resistant keys in its 2027 roadmap with no base fee increase. Migration study is set for H1 2027, full transition by 2028.

Existing key rotation already works.

Active holders like exchanges will swap once available; true dormant exposed whales hold only ~21M XRP. Quantum computers unlikely before late 2020s, so yes, most holders will migrate in time before real risk hits now.

(Source: Miracles, CoinMarketCap)